A client wants proof of business liability insurance in the Netherlands. We read that demand against your contract and your work.
We advise on your insurance. We take on the tax that follows.
Advice first
You decide what happens next
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What it covers
An AVB 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. AVB is short for aansprakelijkheidsverzekering voor bedrijven, the Dutch business liability policy that contracts name.
Just as important is where it stops. Wrong advice and damage to your own things fall 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 coverDid you buy it before you moved or before your work changed? The question is whether the cover still reaches your clients and your workplaces.
See the policy reviewAVB or BAVProfessional liability usually means a BAV, short for beroepsaansprakelijkheidsverzekering. You find out which one your contract means.
See the differenceThe owner asking about liability usually has a tax question waiting too. We pick that up after the insurance advice. 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 a BAV is mandatory: financial advisors, lawyers, accountants, civil-law notaries and architects. Each profession's own rules set out the exact duty. 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. A policy from your home country rarely meets a Dutch clause by itself.
You send the clause or the cover you hold. We listen to how and where you work.
We tell you what the written advice covers before it starts. You decide if you want it.
Your advisor names AVB, BAV or both. You hear the exclusions and territory that matter for your work.
Our associated company A&H Finance then arranges the insurance and takes it out with you.
“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 Bijl
Your advisor
You speak directly with one dedicated insurance advisor who reads your situation and stays your contact afterwards.
We give the insurance advice. The application and closing run through our associated company. Kim works there and advises you. Our associated company arranges the insurance. Do you have a complaint about the advice? Raise it with us first. If we cannot agree, you can take it to Kifid, the Dutch financial complaints body. A Kifid ruling is binding.
Bring the contract. You hear whether the clause needs a closer reading.
Send the clause as a photo. You hear what the next step is.
Ask for Kim and describe the work you do.
Pricing
Pick the line that matches your situation. Each one shows what you talk through with your advisor. The first call is free.
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 clause and your actual risk to a cover you understand.
TaxSavers does not sell insurance.
An AVB pays nothing on death. Cover for your own income when you cannot work is a different product. See disability cover
We give this advice. Our associated company arranges the insurance. The tiers above set what each conversation covers.
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.
Reviews
Very helpful, had a great experience talking with Daniele and Nadya for understanding my options and guiding me with the tax return. Highly recommended!
Great support all around, very flexible and suypportive in explaining the whole process.
Excellent service! Very professional and great client service. Highly recommend TaxSavers
What we hear most from business owners. Yours not here? Ask Kim
Book a free call. Your demand and any cover you hold are checked against each other. If it fits, you keep it as is.
What's included
A dedicated advisor per field
Advice that starts from your contract
Help in English or Dutch
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