{"id":19873,"date":"2025-05-03T13:16:56","date_gmt":"2025-05-03T11:16:56","guid":{"rendered":"https:\/\/vanpasse.nl\/?p=19873"},"modified":"2026-09-14T18:51:38","modified_gmt":"2026-09-14T16:51:38","slug":"corporate-liability-insurance-zzp","status":"publish","type":"post","link":"https:\/\/vanpasse.nl\/en\/kennisbank\/verzekeringen\/bedrijfsaansprakelijkheidsverzekering-zzp\/","title":{"rendered":"Business liability insurance zzp: is it necessary?"},"content":{"rendered":"

What is corporate liability insurance?<\/strong><\/h2>\n

Public liability insurance (AVB) can cover liability for personal injury and property damage caused by your business activities. For pure financial loss resulting from professional errors, professional indemnity insurance is often required. Occupation-specific policies may differ from this. Therefore, check the insured activities, limits, and exclusions; the product name alone does not tell the whole story.<\/p>\n

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Is corporate liability insurance mandatory?<\/strong><\/h2>\n

For self-employed professionals, there is no general statutory public liability insurance requirement. However, a client, trade association or quality mark may make appropriate insurance a condition. Check which coverage and insured amounts are required. See the explanation of AVB at Ondernemersplein<\/a>.<\/p>\n

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Who is this insurance important for as a self-employed person?<\/strong><\/h2>\n

Public liability insurance is especially important for sole traders who work physically on clients' premises or get to work with tools, materials or installations. Consider professions in construction, maintenance, assembly, engineering and landscaping. But entrepreneurs who provide training or guidance on location also run a risk if damage occurs to a client during their activities. Assess what amount of damage you can bear yourself and which insurance suits those activities.<\/p>\n

In healthcare<\/strong><\/h3>\n

For healthcare work, check cover for professional errors and medical procedures as well as property damage and personal injury, and check the institution\u2019s requirements. Have the insured activities explicitly confirmed. A general description of public liability cover is insufficient.<\/p>\n

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What does business liability insurance cover and what doesn't?<\/strong><\/h2>\n

Three situations make clear what you need to check:<\/p>\n