Take out liability insurance when I go on an internship?
After years of gaining knowledge, it's time to put all your skills to the test in the field. Namely, you are going to do an internship. After an intensive search, you have finally found the internship company that fully meets your needs. Diligently you start the internship. You put in 110% effort and the internship supervisor is very satisfied.
One day, during lunch, you drop a glass to pieces. The glass breaks into tiny pieces and water is everywhere. You go around the corner to grab wipes and a dustpan and brush. During your absence, however, your colleague slips on the water and lands in the glass. With a shard in his leg and a ruined suit as a result....
Now who is liable for these damages? Is it you or is the internship company liable? And who should have taken out liability insurance for this? You or the internship company? In this blog, Alpina explains it for you.
Get liability insurance yourself or through the internship?
When you work for an employer, you are usually insured under the employer itself. This is because the employer takes out liability insurance for the entire company. Also when you are working as an intern, you fall under your employer's insurance. Unless otherwise stipulated in the internship agreement, of course... It may be that your school or study program agrees otherwise.
In any case, as an intern, you do not need to purchase your own liability insurance.
Take out internship liability insurance as an employer?
As an employer, it is important to be insured against damages. This is because you are responsible for the damages caused by your employees. When a customer or another third party suffers damage because of your employees, they will be the first to recover damages from you. Costs for damages can be high. In comparison, the amount of the premium is not quite so bad.
Work
The type of work you do plays into determining the amount of your coverage. Do you work a lot with other parties' expensive equipment or do you work from your own office? As you can imagine, if you work with equipment on location, the risk of damage is greater than if you work in the office.
Based on this, you can determine the amount you want to purchase your coverage for. Higher coverage is recommended if you and your employees work more on-site or with a lot of expensive equipment and resources.
Accident
As was described in the introduction, an accident happens in no time. It is best to be insured for that, too. However, liability insurance may have exceptions or additional clauses. You should check carefully what kind of claims will fit under the insurance and which will not. And possibly adjust your insurance accordingly.
Get your liability insurance through Alpina: simple and affordable
Are you considering taking out liability insurance? Then take it out now at Alpina! Thanks to our large number of modules, you can always choose the insurance that suits your needs. Do you have any doubts or questions about our liability insurance? Then feel free to contact our customer service team. They are ready to answer all your questions.
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