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A client wants proof of business liability insurance in the Netherlands. We introduce the advisor who reads that demand against your contract and your work.
You know what you are and are not covered for before you sign. Our associated company, a separate licensed advice firm, arranges the insurance. We take on the tax that follows.
Advice only
You get advice, you decide
EN · NL
advice in both languages
Fixed fee
agreed in writing up front
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We check every page for accuracy, timeliness and relevance. Each one is written and reviewed by our qualified advisors, so the information stays clear, complete and correct.
Read our editorial standardsWhat it covers
An AVB is the Dutch business liability policy. It covers damage your business causes to other people or their property. Think of a client tripping over your equipment on site. It also covers damage caused by your products and damage to buildings you work in.
Just as important is where it stops. Wrong advice and damage to your own things sit outside it. So does redoing your own work. Environmental damage, intent and motor vehicles stay outside as well. Equipment you rent or borrow is usually excluded too. The first three surprise people most, because they sit closest to everyday work.
The law requires almost none of this cover. A client, supplier or trade body can still demand it in a contract. That difference decides what you need, so the advice starts there.
Where to start
The three starting points we see most. A different one? Ask Kim
The clause names a cover and an amount. You find out whether that demand is normal and which product answers it.
See how we workExisting coverHas your work changed since you bought it? You find out whether the cover still reaches your clients and your workplaces.
See the policy reviewAVB or BAVProfessional liability usually means a BAV, not an AVB. You find out which one your contract means.
See the differenceThe owner asking about liability usually has a tax or pension question waiting too. One conversation can reach all three. See tax advice for entrepreneurs
The AVB-BAV line
An AVB pays for injury to people and damage to things. A BAV pays for pure financial loss from professional advice or mistakes. That is the damage an AVB never touches.
Contracts often say professional liability while the work is mostly hands-on, or the other way round. So the advice starts at the clause and the work, not at the product name.
For five professions the law requires a BAV. The five are named in the FAQ below. The exact duty sits in each profession's own rules. For everyone else it is a choice that follows the work you do.
Cover also stops at a territory. Your own terms state your tier. Dutch policies commonly run in three tiers. These are the Netherlands, Europe and worldwide excluding the United States and Canada. Work for a foreign client can fall outside your tier. You get that confirmed before you sign anything.
You send the clause or the cover you hold. We listen to how and where you work.
AVB, BAV or both, with the exclusions and territory that matter for your work.
Advice work only starts once you have the cost on paper. You decide if it is worth it.
From here our associated company takes over: they advise on the insurance, arrange it and take it out with you.
A configurator prices a dropdown choice in minutes and that speed is real. What it cannot tell you is whether the cover answers the clause in front of you.
Book a free call. Your demand and any cover you hold are checked against each other. If it fits, you keep it as is. You're not committing to anything.
What's included
A dedicated advisor
A fixed fee before any work starts
Help in English or Dutch
“A clause tells you how much cover to buy, never which risk you carry. I put both on the table before advice starts.”
Kim van der Manden
Your advisor
You speak directly with one dedicated advisor who reads your situation and stays your contact afterwards.
Pricing
You hear what the advice costs before any work starts. Advice on and arrangement of this insurance follow.
For a new contract demand
One conversation about the clause your client sent.
For cover you already hold
Your current AVB read against your contracts and clients.
For a business without cover yet
From your actual risk to a cover you understand.
TaxSavers does not sell insurance.
Cover for your own income when you cannot work is a different product. See disability cover
This advice is given and the insurance arranged by our associated company. Their remuneration for it is a commission inside the insurer's premium. You hear this amount before the advice starts, as part of the same price agreement. The tiers above set what the advice covers, not a separate TaxSavers bill. TaxSavers charges nothing for the insurance and receives no fee or commission for it.
What we hear most from business owners. Yours not here? Ask Kim
Insurance advice is provided by our associated company A&H Finance. Kim works there and advises you. They arrange the insurance and invoice you. Your agreement for this advice is with them and they are responsible for the service. TaxSavers introduces you and is not a party to that agreement. Do you have a complaint about the advice? Raise it with them first. If you do not reach a solution together, you can take it to Kifid. They are registered there and have accepted binding advice, so a Kifid ruling binds them.
Reviews
Professional and fast. We had a positive experience with Tax Savers.
Enormously well helped by Kaylee and the BelastingBespaarders team, everything was clearly explained and guided. I was able to fully hand off my tax return without any hassle!
Kind staff, they’re very communicative, informative, and friendly.
