Why take out zzp liability insurance for the construction industry?
An accident can happen at any time. And the likelihood of such accidents is higher in the construction industry. Perhaps you knock over a pile of tiles, or accidentally break a piece of wall. It could even be that you cause injury to another person. This is, to put it mildly terribly annoying. But it can get even worse. Did you cause damage to or at someone else? Then there is a possibility that you will be held liable for the damage suffered.
WilDo you want to protect yourself as much as possible from such Costs? Then take out a liability insurance zzp for the construction industry. This liability insurance is specially applied for self-employed persons in the construction industry.
The advantages of zzp liability insurance for the construction industry
Specific coverage
Risks and accidents at work are inherent to the construction industry. Your belongings and those of others can be damaged.d or stolen. or stolen. It is important that these risks are covered as well as possible. Hereat is liability insurance tailor-made for the construction is very convenient.
Financial
As a (starting) self-employed person youyou may not have the financial means to bear large financial burdens. On top of that, damage claims often come unexpectedly. You do not plan for damage to property or injury to others.. Do you want to avoid surprises? Then it is also very convenient from a financial point of view to have liability insurance. That way, you are be sure that such incidental costs are covered.
Peace and quiet
Causing damage to your own property is already very annoying. Causing damage to other people's belongings (or even body) is often even worse. And as if this is not bad enough, you also run the risk of a damage claim. The costs involved can be enormous. You can lie awake at night worrying about such problems: how are you going to pay the claim? How do you ensure that the damage is compensated as far as possible? Difficult questions... Fortunately, a good liability insurance policy makes them a little less difficult. This covers you for the damage: in most cases, this cushions the financial blow.
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What is covered in this liability insurance for self-employed persons in the construction industry?
In principle, all damage to third parties caused by you as a self-employed person is covered. Have you broken things or caused injury? Then your insurer will compensate you for it. Of course, the damage or injury must not have been caused intentionally. In such cases of guilt, the coverage is not applicable.
Exceptions
As indicated, your cover will lapse in the event of deliberately inflicted damage. Often, policy conditions also contain more specific provisions.
For example, there must be no damage caused by sexual acts, the possession or use of a firearm and the insured must reside in the Netherlands. Often, damage caused by motor vehicles, boats and aircraft is not covered either. For this you usually have to take out a separate insurance.
Are there any of these exceptions? Then your insurance will not pay out. Make sure that this never happens. Please note: the list of exceptions is not exhaustive.
Calculating your premium for liability insurance
You can easily calculate your premium with Alpina. All you have to do is fill in the requested data for this. Here you enter what kind of insurance you want, your personal information and the amount you want to be insured for. Have you done this? Then you will immediately see your premium per month appear on your screen.
Taking out liability insurance zzp construction? This is possible at Alpina
Take out your liability insurance now directly with Alpina. Easily calculate your premium yourself and then request a quote without obligation. Do you have any questions about your liability insurance? Please feel free to contact our customer service.
Calculate the premium of a ZZP insurance package directly!
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