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In the course of your business activities, you are constantly at risk of inflicting damage on third parties. A good liability insurance policy is therefore essential, especially since both the number of claims and the amounts claimed have not stopped rising in recent years.
 

Why choose Van Dessel?

 
  • Traditional liability insurance policies are rarely adapted to the specific situation of your company. But with our tailored policies, you can find peace of mind.
  • We pay close attention to sublimits and the scope of insured capital.
  • We provide a large range of cover not offered elsewhere.
  • Civil liability for business operations   
    • Civil liability insurance for business operations provides basic cover with respect to liability for damage to third parties. This includes physical, material and immaterial damage caused during the exercise of business activities by staff, the company building and site, and equipment.
  • Civil liability after delivery
    • A civil liability after delivery policy is a useful add-on to civil liability insurance for business operations. It covers damage to third parties for which you are liable as a result of the products you have supplied or the work you have carried out. Errors in manufacture, installation or repair fall under this cover.
  • Professional liability
    • Professional liability insurance covers you for damages resulting from specific professional errors (mistakes, incorrect calculations, incorrect or incomplete advice, negligence, etc.). For service providers active in the legal, financial or medical sectors in particular, professional liability insurance is a must. IT consultants and architects also stand to benefit from such a policy. This insurance is even obligatory for certain regulated professions.
  • Directors' liability
    • As director of a company, you may personally be held liable (with your personal assets) for errors you make in the exercise of your duties as director. An incorrect investment decision, late submission of or failure to submit annual accounts and lack of or insufficient insurance cover are just some examples of claims for which you can be held liable by shareholders and third parties. Directors' liability insurance, also referred to as D&O (Directors' & Officers' Liability), helps you limit the financial risks of your role as director or manager.
  • Employers' liability
    • Employers' liability insurance protects your company against the potentially severe financial consequences of employment-related errors, such as discrimination, sexual harassment and unfair dismissal.
  • Strict liability
    • In the event of fire or an explosion in a publicly accessible establishment, victims can demand compensation from the operator, even if there is no evidence that they are at fault. That is why operators of certain establishments (hotels, youth hostels, sports halls, cultural centres, educational institutions, retirement homes, large catering businesses, etc.) are legally obliged to take out strict liability insurance.
  • All risks construction insurance
    • Construction projects involve a large number of different parties, such as contractors, architects, property developers and so on. This means that, in the event of a claim, it is highly likely that there will be discussions, postponement of construction and long and complex procedures. All risks construction insurance covers the construction work during the entire construction phase against damage and theft, and insures all parties together under one policy, meaning that when claims arise, there is no discussion as to the amount and distribution of compensation.
  • Ten-year construction insurance
    • After completion of a construction or renovation project, the contractor, property developer, seller and architect remain liable for errors and severe defects in the building (cracks in the walls, damp, etc.) for a period of ten years. Ten-year construction insurance covers the costs of repairs and prevents lengthy discussions about the distribution of the cost of claims.
  • Environmental liability
    • Due to the increasing stringency of environmental legislation and the growing pressure on businesses to be socially responsible, more and more companies are taking out insurance to cover environmental liability. This allows them to protect themselves in the event of any environmental damage they may cause (pollution, damage to biodiversity, etc.).
  • Recall and contamination
    • Contaminated products and recalls: the worst nightmare of any producer, distributor or retailer. It not only costs a great deal of money, but also brings with it negative publicity, reputational damage, loss of customers and a drop in sales figures. In order to insure yourself against this kind of damage, you will need recall and contamination insurance as an add-on to your civil liability insurance policy.
  • Logistics policy
    • If you are expanding your transport company's operations to include logistical services, you will need broader liability insurance.
  • CMR
    • This transport liability insurance protects you, as a haulier, against the risk of damage to or loss of goods, theft and late delivery. Find out more about CMR insurance.