What does AVB insurance cover?
Liability Insurance for Business (AVB) covers damages caused while working. With this insurance you are insured for damage to others or belongings to others caused by you or your products. For example, if you are a painter and accidentally drop a pot of paint on your customer's laminate floor. Or if a product you have delivered causes damage. The coverage of an AVB insurance is similar to an Individual Liability Insurance (AVP), but for your business.
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When to purchase AVB insurance?
As soon as you start your business, you probably delve into various insurance policies. Although many business owners often forget about it, the AVB is an important insurance policy. During your work, things can always happen that cause accidental damage to the client or client 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 insurance policies available when you start your business, you may want to look into an AVB.
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Frequently asked questions about AVB insurance
Is an AVB mandatory for self-employed workers?
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.
What does an AVB not cover?
Of course, some things are also excluded from coverage. Damage to yourself or your business is not covered in most cases. The same goes for damage or costs incurred to redeliver your product or service. In addition, environmental damage on your premises and environmental damage that occurs slowly (think of an oil tank that has been leaking for years) is not covered. Items that you have "in custody" are also not insured. This concerns items that you have to install, such as a kitchen or bathroom. The moment damage occurs to this, it is 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 also not covered by business liability insurance.
These are the most common exceptions to coverage. Always check your insurer's policy conditions to see what exceptions they have.
What does an AVB 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.
Why purchase AVB insurance?
We are increasingly hearing 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 damages that you cause as a company. A damage can be quite expensive. Imagine that the billboard you have outside your store is blown against a parked car. The car has a lot of damage. Collision damage can cost you a lot of money, costs you will have to pay without liability insurance. Without insurance, you run the risk of not being able to pay the high damage claim. Especially if you are not a larger business owner but a small self-employed person, this can be a problem.
Who is AVB insurance for?
An AVB is for both ZZP'ers and SMEs. For example, do you have your own practice as a coach or beautician? Or do you work as a ZZP in the construction industry? Then taking out an AVB can be a wise choice. Imagine painting a client's hair and accidentally spilling 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 occurs then. That is why an AVB is a good addition to the insurance package for every ZZP'er or SME.
Take out AVB insurance directly through Alpina
Being properly insured at work? Then take out AVB insurance immediately. With us you can easily calculate the premium. After entering a few details about your company, you will receive an overview of all insurance policies that fit your needs, including the corresponding premiums. You can then request a final quote 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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