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Liability Insurance

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Liability Insurance in The Netherlands

In the Netherlands, many people take out a so-called ‘Aansprakelijkheidsverzekering’ (Personal Liability Insurance). This insurance protects a person or entity from claims initiated by another party. Although there are people in the Netherlands who think this is a compulsory insurance, it is NOT. If your rent a house  it’s mandatory in most rental agreements to have a liability insurance.

You are insured for things such as:

  • Damage to someone else or their possessions
  • Damage or loss as a result of a favour to a friend (up to €25,000)
  • Damage or loss caused by a visitor (if your visitor does not have any insurance)
  • Damage or loss caused by activities carried out by your personnel (for example your cleaner)
  • Damage or loss caused by your pet

Who is insured ?

When a person takes out liability insurance , you can choose also other family members as well. Childeren are automatically included in the policy also when the study in an other city till the age of 21 years. . Pets are also generally included but there are a lot of differences between insurance companies. Because of this, it is highly recommended to compare different liability insurers and thoroughly inspect the conditions and the policy in general.

 

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