Liability Insurance

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.