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As an entrepreneur, you take risks. But some risks are too big to bear on your own. Not only as an entrepreneur, but also as an employer. For example, you could be held liable if an employee causes material damage to a customer or has an accident.
Any company, organisation or institution.
Premiums starting at €750.00, not including 21% insurance Tax. We can send you a quote within 1 business day, comparing 6 insurers who are specialised in your industry.
A Corporate liability insurance is not legally required. However, there are many situations where it is useful or necessary to take out such insurance. After all, everyone can make mistakes and the damage can be significant. A customer, client, or industry organisation may also require or demand this from you.
With the Corporate Liability Insurance, only damage to persons or property is insured, but not pure capital loss. Capital loss is financial damage caused by professional errors such as incorrect advice. With a Professional Liability Insurance, you are insured for this risk.
You are not obligated to adhere to specific contract terms. Deviating from these or accepting clients' delivery terms is not a problem. You do not have to submit this to us for approval. However, we do advise you to declare the general terms and conditions wherever possible, as it limits your liability towards third parties.
The insured capacity indicates the type of activities you perform. The insurer assesses the risk based on this capacity and may exclude activities in the event of a claim if they were not aware of these. It is very important that the insured capacity is described in such a way that it covers all activities. Make the description as broad as possible and check this capacity yearly.
No. Claims filed in the United States and/or Canada (or based on the law of these countries) are excluded. Insurers do not provide this coverage as standard because the damage amounts and legal assistance there are much higher than here. In some cases, we have coverage for this exclusion and can provide coverage for this jurisdiction as well.
This is damage whose cause predates the start of the insurance, but is discovered during the policy period. This so-called retroactive cover is not covered by default, but can sometimes be purchased for an additional period. This allows you to insure yourself against damages that are not yet known, but could potentially arise.
The opposite of Prior Acts Coverage: damage that manifests after the insured period has expired, but whose cause falls within that period. Again, you can insure against this ERP cover for a number of years. This is often offered by insurers after termination.
As soon as you are found liable, you should report it to us. We advise you not to admit liability immediately, but to submit it to the insurer first.
Absolutely. We are specialists in complex risks, but are happy to help you protect agains some of the more mundane corporate risks. Think of corporate insurance for buildings, inventory, transport, business damage, accidents, corporate travel and employee insurance.
We don't advise on pension and other life insurances.
Er zijn verzekeraars die dit dekken, maar niet allemaal. Kijk dus goed naar de verschillen.
De hoedanigheid geeft aan wat voor soort activiteiten je verricht. De verzekeraar schat hierop het risico in en zou werkzaamheden kunnen uitsluiten bij een schade als ze hiervan niet op de hoogte waren. Het is heel belangrijk dat de verzekerde hoedanigheid zo is omschreven sat alle activiteiten eronder vallen. Maak de omschrijving zo ruim mogelijk en controleer elk jaar of deze nog klopt.
Blue Risk Specialty Insurances helps businesses, entrepreneurs, and directors manage their risks so they can operate more freely and effectively.
+31 (0)10 311 00 19
