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Liability

As an entrepreneur, you face liability risks every day. A mistake, accident, damage, or claim from a customer can have significant financial consequences for your business.

With the right liability insurance, you can protect yourself against these risks. Van Dessel helps you identify your liabilities and provides a solution tailored to your activities, sector, and specific risks.

ondernemingen aansprakelijkheid

What does this insurance cluster entail?

Liability insurance protects your business when you are held legally liable for damage to third parties. This can include bodily injuries, material damage, or financial loss as a result of your activities, products, or advice.

Depending on your sector and activities, various liability risks may apply. Think of damage caused during your work, after delivery of a product, or due to a professional error.

A good coverage ensures that:

  • Compensation for damages is paid
  • Legal costsare covered
  • Your business remains financially protected

Our solutions

Which insurance solutions do we offer within this line of insurance?

Civil liability operation

Civil Liability Operation Insurance for businesses. Protect your business against third-party…

Civil liability after delivery insurance

Protect your business with a post-delivery liability insurance. Coverage for damages after…

Professional liability

Professional indemnity insurance protects your business against claims arising from professional…

Objective liability insurance - fire & explosion

Protect your business against the financial consequences of fire or explosion in publicly…

Decennial liability

Ten-year liability insurance protects you against the financial consequences of serious…

Recall & contamination insurance

Product recall and contamination insurance for manufacturers and distributors. Protect your…

Environmental liability

Environmental liability insurance for businesses. Protect yourself against remediation costs and…

CMR insurance

Protect your business against liability arising from national and international road transport with…

Liability insurance for logistics service provision

Protect your logistics business against liability risks during transport, storage and distribution.

Our promise to you

Personal & involved

a tailor-made partner

We start from your specific situation and take the time to thoroughly understand your risks, needs, and objectives. This way, you receive advice and guidance tailored to your business and everyday practice.

Expertise & experience

already 80 years in insurance

Thanks to our years of experience, we analyze your risks and insurance needs with a broad perspective. We provide a well-thought-out approach, clear solutions, and the right protection for your business.

Customization & innovation

beyond standard insurance

No standard formulas, but solutions tailored to your activities and challenges. From analysis and implementation to support in case of claims: we provide an approach that works in practice.

Would you like to receive a quote?

Do you want to know if your company is properly protected against liability risks? Our specialists are happy to review with you which coverage is relevant for your activities, contracts, and sector. 

You will receive a tailor-made proposal, clearly explained and aligned with the reality of your business. This way, you know exactly what you can count on, today and as your activities evolve. 

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Need help? Contact us.

Didn't find the answer to your question, or would you like to discuss your situation with a specialist? Our colleagues are happy to help you.

Prefer faster help? Check out our frequently asked questions.

Which liability insurance does my company need?

That depends on your activities, sector, and contractual obligations. In many cases, a combination of several types of coverage is needed to fully protect your risks.

What is the difference between Public Liability during Operation and Public Liability After Delivery?

Public Liability covers damage during your daily activities. Post-Delivery Liability covers damage that only arises after your work has been completed or your product has been delivered. 

Is liability insurance mandatory for businesses?

Some forms are legally required or strongly recommended by contract, such as in certain construction or industry situations. Others are not mandatory, but are still essential to prevent significant financial losses. 

Does a liability insurance also cover legal costs?

Often yes, but that depends on the policy and the chosen coverages. In complex cases, a separate legal assistance insurance can be an important addition.

Why is a regular evaluation of my liability insurance important?

Because legislation, case law, and your activities change. New liability rules or adjusted compensation can have a direct impact on your risks and on the protection you need.