Professional liability insurance (BAV).

As an accountant, you always want to give good advice. Yet something can go wrong. For example, if a client suffers damage and holds you liable. Or if documents are submitted too late. In such situations, professional liability insurance helps. With professional liability insurance you are protected against claims and you are not alone when necessary.

Professional liability insurance for lawyers covers various professional risks. You are insured for client damages arising from negligence, error, omission or inadvertence. In short: protection against the risks you may encounter as a lawyer.

As a physical therapist, you carry a lot of responsibility. You help clients recover from injuries and other complaints, but misdiagnosis or treatment can lead to physical and financial damage. In that case, you can be held liable. Professional liability insurance protects you from high, unexpected costs, whether you are self-employed or run a practice.

As a healthcare provider, your main goal is to provide good care, but mistakes or conflicts can never be completely avoided. An incorrect diagnosis, treatment or advice can lead to high damage claims or legal problems. With professional liability insurance you are insured against these risks, so you can work with certainty and focus entirely on your clients.

For whom.

The insurance is especially important for self-employed healthcare professionals, often caregivers who visit clients in their homes. Think of general practitioners, physiotherapists, maternity care and district nurses. Coverage is tailored by insurers to the risks of your profession. For example, a general practitioner carries more ultimate responsibility than a district nurse.

What is covered?

The insurance covers both intangible damage (such as damage due to misdiagnosis) and financial damage, such as unnecessarily expensive treatment. Damage can be caused by yourself or your employees.

Why close?

• Often required by clients such as hospitals or home care organizations
• Prerequisite for membership in professional associations
• General terms and conditions usually provide insufficient protection
• Protects your assets from professional misconduct

Are you employed?

If you work in health care but are not an owner, you do not have to purchase professional liability insurance yourself. Your employer is responsible for this.

As a dentist, you often work on complicated treatments in which mistakes can never be completely ruled out. If something goes wrong in a diagnosis or treatment, the damage can be extensive and a client can hold you liable. With professional liability insurance, you are insured against mistakes made by yourself or your employees, you avoid unexpected costs and you can fully focus on your practice.

As a psychologist, you work carefully to ensure the mental health of your clients, but mistakes can never be completely eliminated. A misdiagnosis or misjudgment by you or your staff can lead to high claims and liability. With professional liability insurance, you are protected against these costs and can move your practice forward with more certainty and less risk, with coverage that matches the professional risks of psychologists.

Something can always go wrong when designing a house. A mistake in a calculation or design can lead to high costs or even construction problems. If a client holds you liable for this, claims for damages can be substantial. With professional liability insurance for architects, you are insured against such risks and unexpected costs, so you can work on your projects with more security and confidence.

If you work in IT, you know that a small mistake by you or your employees in software or hardware can have major consequences. One wrong code or malfunction can shut down business processes and lead to high damage claims from clients. With professional liability insurance for ICT, you are insured against these risks and can do your job with more certainty.