Why get construction liability insurance zzp?
An accident is in a small corner. And the likelihood of such accidents is greater in the construction industry. Maybe you knock over a pile of tiles, or accidentally break a piece of wall. You may even cause injury to another. This is mildly incredibly annoying. But it can get worse. Do you cause damage to or by another person? Then there is a possibility that you may be held liable for the damages suffered.
Willt you protect yourself as much as possible from such costs? Then take out liability insurance zzp for the construction industry. This liability insurance is specially applied to self-employed construction workers.
The benefits of self-employed construction liability insurance
Specific coverage
Workplace risks and accidents are inherent in the construction industry. For example, your belongings and those of another may be damageddamaged or be stolen. It is important that these risks be covered as well as possible. Hereat is liability insurance tailored to the construction is very convenient.
Financial
As a (starting) self-employed person youe you may not have the financial means to meet large financial burdens. On top of this, damage claims often come unexpectedly. You do not plan for damage to property or injury to others.. Do you want to avoid surprises? Then it is also very convenient from a financial point of view to have liability insurance. So you are certain that such incidental costs are covered.
Peace and security
Causing damage to your own belongings is already very annoying. Causing damage to someone else's belongings (or even body) is often even worse. And as if this is not bad enough, you also run the risk of a damage claim. The costs involved can be enormous. You may lie awake nights worrying about such issues: how will you pay the claim? How will you ensure that the damage is compensated as much as possible? Tricky questions... Fortunately, a little less tricky with good liability insurance. With it, you are covered for damages: it cushions the financial blow in most cases.
What is covered in this liability insurance for self-employed construction workers?
Basically, all damages to third parties caused by you as a self-employed person are covered. Have you broken things or caused injury? Then this will be compensated by your insurer. Of course, the damage or injury must not have been caused intentionally. In such cases of fault, the coverage is void.
Exceptions
As indicated, your coverage lapses for intentionally inflicted damage. Often, policy terms also contain some more specific provisions.
For example, there must be no damage from sexual acts, possession or use of a firearm, and the insured must be a resident of the Netherlands. Often damage caused by motor vehicles, boats and airplanes is also not covered. This is because you usually need to take out separate insurance for these.
Is there any of these exceptions? Then your insurance will not pay out. Therefore, make sure that this is never the case. Please note that the listed exceptions are not exhaustive.
Calculating your liability insurance premium
You can easily calculate your premium with Alpina. All you have to do is fill in the requested data for this. Here you enter what kind of insurance you want, your personal information and the amount you want to be insured for. Have you done this? Then you will immediately see your premium per month appear on your screen.
Taking out liability insurance zzp construction? This is possible at Alpina
Take out your liability insurance now directly with Alpina. Easily calculate your premium yourself and then request a quote without obligation. Do you have any questions about your liability insurance? Please feel free to contact our customer service.
Calculate directly the premium of a ZZP insurance package!
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