Liability insurance
What is liability insurance?
Liability insurance is insurance that pays for injury and property damage if the insured causes damage to others. For example, if you accidentally break someone else's laptop or you trip and take another person with you who breaks their hip as a result, this is covered by liability insurance if you are found liable.
Why do you need liability insurance there?
If you cause damage, by law you are liable for that damage. Therefore, you are responsible for ensuring that the damage is repaired. With this insurance, if you are found liable, the insurer will (partially) compensate you for the damage. If you do not have liability insurance, you must pay for the damage yourself. How much you have to pay depends on the type of damage. A minor damage, such as a knocked over vase, is usually manageable. But if someone is seriously injured because of your actions, the amount payable may be high. If the amount rises too high, you may not be able to pay it yourself and end up in financial trouble. To avoid this, you can get liability insurance.
Compare Insurance
Almost all insurers in the Netherlands offer liability insurance. So you have a lot of choice in this, but what should you pay attention to when comparing the different and many providers? Is looking at the amount of the premium enough? To compare insurance policies, you should certainly not only look at the amount of the premium. When taking out insurance, the amount insured is premium determinant. In addition, you can determine the amount of the deductible when taking out insurance, this also determines the amount of the premium.
What exactly is covered?
This insurance covers damage that you or another insured person causes to property (property damage) and persons (personal injury) and for which you can be held legally liable. If you have liability insurance you are not only covered yourself, but the following persons are also co-insured:
- You and your family, including resident parents, lodgers and staff
- Minor children, even if they do not live at home
- Children of full age if they live at home or are away for study
- Damage to belongings of others
- Pets
- Your movable or immovable property
The coverage is very broad. You are insured worldwide. For example, if you cause a damage while on vacation abroad, you and your family members are also covered.
Frequently asked questions about liability insurance
Many people think that liability insurance is compulsory. However, this is not the case. Liability insurance is often confused with third-party insurance. WA means Third Party Liability. This insurance is compulsory, but it covers damage to motor vehicles.
Insurance for individuals (AVP) is not mandatory. However, insurance is recommended because it can save a lot of money in situations where you are held liable when you have caused damage.
Liability insurance is not an expensive policy. For a few euros a month, you already have coverage. The cost of this insurance does depend on a number of factors, such as age, family composition and the amount of the deductible. A single person without children is cheaper than a family with children. The insurer naturally looks at the risk of damage. Children are a risk factor here, as they are often rambunctious and unpredictable.
Damage you or your family members cause to others for which you are liable is covered by liability insurance. damage caused by pets is also covered.
We cannot just point out the best insurance for you. It depends entirely on your personal situation. For example, student liability insurance is not always necessary. If you have insurance with family coverage, the children listed on the policy are co-insured, even if they start studying. Coverage continues as long as your child continues to study. However, most insurers do have a maximum age limit of 27. Once the student is older, separate insurance must be purchased.
As a ZZp'er it is wise to take out liability insurance for ZZP . As a ZZP worker, you will more than once find yourself in situations that can cause damage to third parties. Taking out a ZZP insurance policy is a good way to cover yourself for unexpected situations. Liability insurance for ZZP-ers covers the financial consequences of your wrong actions. See what insurance for a self-employed person costs here.
Your pets fall under the coverage of the liability insurance. You are therefore insured against damage caused by your pet.
Yes, liability insurance covers you at home and abroad. Each insurer may differ for which countries this applies or whether it is global coverage.
Third-party insurance is compulsory when you have a car or scooter. This insurance reimburses the damage that you cause to another person. With a liability insurance, you cover the damage that is caused to another person without the intervention of a motor vehicle. The liability insurance excludes damage caused by a motor vehicle.
Business insurance
In addition to insurance for individuals, business liability insurance also exists. Business insurance does not cover damages that you or your co-workers cause as a business. For this you can take out business liability insurance. With a business insurance you are insured for damages caused during your work. If you own a painting company and accidentally drop a pot of paint on a customer's carpet, you are insured.
Insurance for a child
As a parent, do you have liability insurance with family coverage? In most cases, your children are then co-insured until age 23 or 27. Your children must be living at home or living away from home to study. If your child marries, then your child must take out their own insurance.
Insurance for a family
With family liability insurance, not only you but also the members of your family are insured in case of damage. Within family coverage, damage to third parties caused by lodgers is also covered. If lodgers cause damage to your own belongings, this will not be compensated. In case of family expansion, it is important to take a critical look at the insurance as well. The same applies in the event of divorce, cohabitation and when the children leave home. As long as your children are not listed on the policy, for example, they are not co-insured.
Insurance for a child
As a parent, do you have liability insurance with family coverage? In most cases, your children are then co-insured until age 23 or 27. Your children must be living at home or living away from home to study. If your child marries, then your child must take out their own insurance.
Insurance for a family
With family liability insurance, not only you but also the members of your family are insured in case of damage. Within family coverage, damage to third parties caused by lodgers is also covered. If lodgers cause damage to your own belongings, this will not be compensated. In case of family expansion, it is important to take a critical look at the insurance as well. The same applies in the event of divorce, cohabitation and when the children leave home. As long as your children are not listed on the policy, for example, they are not co-insured.
Customers about liability insurance
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