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Best business insurer 5 years in a row

Business Liability Insurance

Business liability insurance covers damage to persons and property caused by you, your employees or your products.

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  • Legal defence expenses included as standard
  • Quick coverage, often effective immediately after application
  • Financial damage (professional liability) can be easily added to the policy
Call us: +31 55 579 8600
If you are interested in your premium, our experts are happy to help at +31 55 579 8600.
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What is business liability insurance (AVB)?

Business liability insurance (AVB) covers damages caused by you, your employees or products. This includes damage to others' property or personal injury. For example, an employee might accidentally damage an expensive painting while working at a client's location, or a fault in your product causes a fire that results in personal injury. This type of insurance is also known as commercial general liability (CGL) insurance.

If you are self-employed, get free legal support now!

Sign up for an AVB and receive €100,- off legal assistance (in Dutch), or a 30-minute free consultation with a solicitor. A perfect opportunity to review your terms and conditions. A special offer for starting solopreneurs with a business liability insurance! 

If you already have an AVB with Centraal Beheer

Our Business Liability Insurance Service Page (in Dutch) has everything you need to know about your AVB, from adjusting your insurance to direct contact with an AVB expert.

Coverage

Schade aan personen

Property damage

During a remodel, you damage a door at your client's house. 

Schade aan spullen

Personal injury

Your employee is injured while performing their duties.

Schade door producten

Product liability

You are legally liable if a defective product you sold causes damage or injury. 

Why choose Centraal Beheer's Business Liability Insurance?

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Personal contact

Our experts are available every working day to help answer your questions about business liability and offer personal attention and practical solutions.

Legal Support

If you are not liable, we will help with your defence. If you are liable, we will reimburse the damage.

Best Business Insurer

Customers have rated their contact with us as the best in the market for 5 years in a row. We scored a 7.8 in the survey held by the Dutch Association of Insurers.

What our Business Liability Insurance covers:

  • Coverage in the Netherlands and abroad (except the U.S. and Canada).
  • Property damage. For example, you have a lapse of concentration and knock over your client's new fence.
  • Personal injury. Your employee is injured while performing their duties.
  • Product liability. For example, the dormer you install is not properly sealed and causes water damage.
  • Damage caused by a family member helping out, a temporary worker, an intern or a volunteer.
  • Injury or death of an employee.
  • Damage to an employee's property.
  • Damage to yourself or your business.
  • Damages or costs incurred to redeliver your service or product.
  • Damage caused by a vessel, aircraft or motor vehicle.
  • Damage for which you are not liable as an employer, service provider, vendor or business owner.
  • Environmental damage at your business site.
The Policy Insurances (in Dutch) specify what is and is not covered by our Business Liability Insurance. The information document (in Dutch) makes it easy for you to compare our Business Liability Insurance (AVB) with other providers.

What additional coverage you can add to the AVB

Our Business Liability Insurance offers comprehensive insurance, but some industries face additional risks, or you might want to insure yourself even more extensively. If so, you can customise your insurance by opting for additional coverage to suit your business. Call +31 55 579 8600 to take out additional insurance.

Professional liability insurance protects your business against the financial consequences of professional misconduct that results in a client's financial loss, for example, when the client receives incorrect advice.
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Custody coverage applies to damage to others' property while it is in your care, as if it were your own. This is also known as 'bailee's liability' or 'custodian risk.' For example, if you rent or repair items and they become damaged while in your possession.
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With Centraal Beheer’s Good Employer Insurance (Goed Werkgeverschapverzekering), you protect your employees from the financial consequences of accidents during work and work-related activities. This helps you fulfil your duty of care.
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What does a Business Liability Insurance Cost?

The premium for business liability insurance depends on the following 4 factors:

  • The number of employees you employ.
  • Your business activity.
  • Your membership in a trade association or umbrella organisation. If you are a member of an association with which we have an agreement, you get a discount on your premium. 
  • Your gross annual revenue.
Read all about the cost of business liability insurance (in Dutch)

Frequently asked questions

Professional Liability Insurance is additional coverage to our Business Liability Insurance. The difference between business liability and professional liability (in Dutch) is the type of damages. Business liability insurance covers damage to property and people, e.g., you spill a cup of coffee over someone's laptop or a customer slips on your freshly-mopped floor. Professional liability insurance covers property damage resulting from professional mistakes for which you are liable, for example, you are an architect and an incorrect calculation halts construction, and the developer holds you liable for the resulting damages. Use our selection tool to find out exactly what insurance you need.
What insurance do I need?
Contact us as soon as possible. We are available by phone 24 hours a day, 7 days a week on +31 55 579 7777. Our claims adjuster will assess the situation and whether you are liable. If necessary, our claims expert will visit you. They will assist you and answer any questions you have. We settle the claim on your behalf.
Business liability insurance is not required by law (in Dutch). You may be required to take out insurance in certain cases, for example, the trade association you are affiliated with or a client or supplier requires you to have it. Being insured gives clients greater assurance that a claim will be compensated.
The difference between business liability insurance and employers' liability insurance is that with employers' liability insurance, there is no legal hassle about liability. With Centraal Beheer's Good Employer Insurance (in Dutch), which you take out alongside our Business Liability Insurance, you insure most employer risks related to employee accidents in one go.

Taking out Business Liability Insurance

Calculate your premium with an expert by calling +31 55 579 8600. Join over 35,000 entrepreneurs who trust us.
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Disclaimer: As a courtesy we provide you with an English translation of our website. You can and may not derive any rights, entitlements or obligations from this English translation. Our disability insurance policies are regulated by Dutch law and as such, our Dutch conditions and entitlements documents are the only legal documents from which you can derive your rights, entitlements and obligations.