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Home ZZP insurances What does AVB insurance cover?

What does AVB insurance cover?

A Business Liability Insurance (AVB) covers damages caused during work. With this insurance you are insured for damage to others or belongings caused by you or your products. For example, if you are a painter and accidentally drop a pot of paint on your client's laminate floor. Or if a product that you have delivered causes damage. The coverage of an AVB insurance is comparable to a Liability Insurance for Individuals (AVP), but then for your company.

Liability insurance for companies? Calculate your premium!

AVB insurance

When to take out AVB insurance?

As soon as you start your business, you will probably familiarize yourself with various insurances. Although many entrepreneurs often forget about it, AVB is an important insurance. During your work, things can always happen that cause accidental damage to the client or the client's property. In some cases, the costs are not that high, but in the case of personal injury, the costs can be high. If you look into the different insurances that are available when you start a business, you may want to consider an AVB.

Liability insurance for companies? Calculate your premium!

Frequently asked questions about AVB insurance

Is an AVB obligatory for ZZP'ers?

No, liability insurance for companies is not compulsory. However, more and more suppliers or customers do not want to do business when someone is not insured. Therefore, many entrepreneurs still choose to take out liability insurance for their company.

What does an AVB not cover?

Of course, there are also some things excluded from coverage. Damage to yourself or your company is in most cases not insured. The same applies to the damage or costs you incur to redeliver your product or service. In addition, environmental damage at your business location and environmental damage that occurs slowly (think of an oil tank that has been leaking for years) is not insured. Items that you have 'under supervision' are not insured either. This concerns things that you have to install, such as a kitchen or bathroom. The moment damage occurs to these items, they are not covered by the AVB. Also, if your work is not to the client's satisfaction and you have to redo it, you cannot claim costs for this from your insurer. Finally, professional liability is not covered by corporate liability insurance either.

These are the most common exceptions to coverage. Always check your insurer's policy conditions to see which exceptions they apply.

What does an AVB cost?

What liability insurance costs depends in part on the type of business you have and the revenue you make. On Alpina.nl you can calculate an indication of the monthly premium online. To do so, enter some information 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.

Why take out AVB insurance?

We hear more and more that suppliers or clients do not want to do business with a company if they are not insured. More and more entrepreneurs are therefore choosing to take out AVB insurance. Many people in the Netherlands have already taken out an AVP. Unfortunately, an AVP does not cover any damage that you cause as a company. A damage can be very expensive. Imagine that the billboard outside your shop is blown into a parked car. The car suffers a lot of eye damage as a result. Blight damage can be quite costly, and without liability insurance you would have to pay for it yourself. Without insurance, you run the risk of not being able to pay the high claim. Especially if you are not a larger entrepreneur but a small independent person, this can be a problem.

For whom is AVB insurance intended?

An AVB is for both freelancers and SMEs. Do you have your own practice as a coach or beautician, for example? Or do you work as a self-employed person in the construction industry? Then taking out an AVB may be a wise choice. Imagine that you paint a client's hair and accidentally spill it on the client's clothes. Or that a client slips on the newly mopped floor in your office. You are liable for the damage that then occurs. That is why an AVB is a good addition to the insurance package for every sole trader or SME.

Take out AVB insurance directly through Alpina

Are you well insured at work? Then take out AVB insurance immediately. You can easily calculate the premium with us. After entering a few details about your company, you will receive an overview of all the insurances that fit your needs, including the corresponding premiums. You can then request a final quotation or take out the insurance directly online.

Do you still have questions about AVB insurance or would you rather consult us? Then you can always contact us. You can reach us Monday through Friday from 8 a.m. to 6 p.m. by phone at 088 - 6883712. You can also always send us a message via chat, WhatsApp or Messenger.

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