How does the Brexit affect product liability?
Due to the Brexit GreaterBritain no longer belongs to the European Union. If you import goods from Great Britainthen has consequences for your business. The information below applies from January 1, 2021.
Products traded within the EU traded, must comply with EU product directives. Manufacturers must be able to prove that a product complies with the rules. They do this by placing a so-calledhe CE mark. For the schades caused by defective products are caused, the European manufacturer is liable.
Who is responsible?
When a manufacturer is not (no longer) in de European Union, it becomes a different story. In that case, the importer is liable before the law, because it is then seen as manufacturer. In addition, the importer is also the first point of contact for the Dutch authorities who do checks on product safety.
Looking to get business liability insurance? Calculate your premium!
Because due to the Brexit a British manufacturer is no longer based in the EU, product liability also shifts. The importer based in the Netherlands is there as of January 1 2021, fully liable for ensuring that products are safe and free of defects.
Consequences of the Brexit
The legal risks and consequences of doing business with British suppliers have increased significantly due to Brexit. It is therefore important to pay attention to a number of key issues, namely: whether you are certain that the products you import from the UK are safe, and whether the supplier affixes a CE marking to the products. You may be able to agree with the supplier that they are liable to you for any damages that may need to be paid. But be careful! Product liability applies for up to 13 years after a product has been put into circulation. There is a good chance that in 13 years, you may no longer have contact with the supplier.
When it comes to insurance, you should ask yourself the following: Does your current insurance policy cover product liability? If not, are you willing to purchase coverage for this or to assume this additional liability yourself, with the potential financial consequences that entails?
What does business liability insurance cost?
What liability insurance costs depends, among other things, on the type of business you have and the turnover you make. On Alpina.nl you can calculate an indication of the monthly premium online. To do this, you enter a number of details about your company, such as the industry in which you operate and how many employees you have. You will then be shown an overview of insurers with corresponding premiums.
Frequently asked questions about an AVB
Is business liability insurance mandatory?
No, business liability insurance is not mandatory. Nevertheless, suppliers or clients increasingly do not want to do business if someone is not insured. Therefore, many business owners choose to take out liability insurance for their business anyway.
Why purchase business liability insurance?
A workplace accident is in a small corner. We have some examples for you:
- A customer slips on the newly mopped floor of your office and breaks a leg in the process
- An employee accidentally drops a roof tile while repairing a roof. A passerby is hit who is injured and suffers permanent injuries
- While working in a client's home, you accidentally bump into a very expensive vase, causing it to fall to pieces
Is an AVB also for self-employed workers?
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.
Take out business liability insurance on Alpina.nl
Do you want to be properly insured for business liability damages? Then take out business liability insurance online immediately! Do you still have questions or would you like to consult with one of our insurance specialists before taking out the policy? They will be happy to help you! You can reach us by phone from Monday to Friday from 8 a.m. to 6 p.m. at 030 - 6883700. Of course, you can also send us a message via chat, WhatsApp or Messenger at any time.
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