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Home Business Liability Insurance

Business liability insurance

With business liability insurance, you are insured for damages caused while working.

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All about business liability insurance

If you accidentally make a mistake at work, this can result in a nasty claim for damages. Unfortunately, you are not insured for this with private liability insurance (AVP). To be insured anyway, you can take out business liability insurance. With a business liability insurance you are insured for damages that are caused during work. For example when you drop a cup of coffee over the laptop of a customer. Or when a pot of paint falls over the beautiful wooden floor.

The coverage of a business liability insurance is similar to a Private Liability insurance, but for your company.

What is the difference between business liability insurance and professional liability insurance?

Business liability insurance is often confused with professional liability insurance. Professional liability involves, for example, giving incorrect or incomplete information, or giving incorrect advice. If damage occurs as a result, you are not insured for this with business liability insurance. For this, you need professional liability insurance.

With a professional indemnity insurance you insure financial damage that your client suffers due to a professional misconduct for which you are liable. A professional liability insurance is especially relevant for entrepreneurs who give advice in their work, such as consultants, architects, ICT-consultants or engineers.

Is business liability insurance mandatory?

No, business liability insurance is not mandatory. Nevertheless, it is wise to look into such insurance. After all, an accident is in a small corner and it is not nice if you have to pay for the financial consequences of damage yourself. In addition, suppliers or clients increasingly do not want to do business if someone is not insured. Many entrepreneurs therefore choose to take out liability insurance for their company anyway.

What is not insured with business liability insurance?

With a business liability insurance you are not insured for professional liability. For this you need to take out professional liability insurance. Items that you have 'under supervision' are not insured. Think for example of a kitchen or bathroom that you have to install. If this is damaged when you are responsible for it, it is not covered under a business liability insurance. Always check the policy conditions to see if there are more situations in which the insurer does not provide coverage. This may differ per insurer.

Corporate Liability Insurance ZZP

As a ZZP it is also wise to take out liability insurance. With a liability insurance ZZP you are insured if you, as an entrepreneur, cause damage to another person or if your work causes injury to another person. Business liability insurance Z ZP is a good way to cover yourself for liability damages. With liability insurance for ZZP'ers, expenses resulting from the damage will be reimbursed by the insurer. You are also insured for damages caused by an intern or a temporary worker employed by you.

Take out business liability insurance

You can purchase your business liability insurance easily and quickly at Alpina.nl . By entering your details you will be shown a premium calculation. Check your details and request a final quote. You can also take out the insurance directly online.

Compare business liability insurance

At Alpina.nl you can easily take out liability insurance for your business online. You can make a premium calculation in advance. You do this by filling in some information about your company. You will then receive a premium calculation. This way you will know approximately what you will pay in insurance premium per month. Is it still not entirely clear or would you like to consult with an insurance specialist? Then please contact us. You can reach us by phone from Monday to Friday at 088 - 6883700. You can also always send us a message via chat, WhatsApp or Messenger.

Is the premium calculation clear and would you like to take out the insurance? Then you can do so directly online. You can also request the final offer before taking out the insurance. This will then be sent to you as soon as possible.

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