Solutions
Liability insurance for freelancers and self-employed persons in the media sector
As a specialist insurance partner for the media, we have developed a unique liability insurance policy that meets the needs of self-employed professionals and freelancers active in this sector.
Liability insurance for freelancers and self-employed persons in the media sector is a product offered by insurance company Zurich Insurance.
Van Dessel Insurance Brokers is the leading insurance partner for everyone who is active in the Belgian media landscape. As a founding member of the Media Insurance Network, we are also active on the international stage. Thanks to the broad experience that we have built up over the years, we know the needs in the sector like no other. We have translated our know-how into a unique insurance product that perfectly meets the needs of freelancers in the media sector.
Unique liability insurance for media freelancers
Our liability insurance is the most comprehensive on the market and provides protection for professional liability, Civil Liability After Delivery, Civil Liability Operation (extra-contractual liability) and Entrusted Goods. Our insurance product is the ideal solution for all freelancers and consultants in the media sector who do not have their own staff:
- in facility services: sound, light, stage and set construction, ...;
- for professions related to recording (editing, production, etc, ...);
- in advertising activities.
Our specific extensions make the difference
Our insurance solution is unmatched as a result of thespecific extensionsthat we can offer thanks to our expertise and scale:
- automatic cover for drones (small aircraft in conformity with the legislation),
- extended cover for entrusted goods (equipment belonging to third parties/client in use),
- worldwide cover (excluding the United States and Canada),
- Professional liability guarantee including invasion of privacy, slander, defamation and libel.
What does this liability insurance cost?
Our exclusive liability insurance is very affordable. You can choose between two formulas which differ in the amount of insured capital:
| Guarantee | Option 1 | Option 2 |
|---|---|---|
| Civil Liability Operation | €1.500.000 | €2.500.000 |
| Professional Liability and/or Civil Liability After Delivery | €250.000 | €500.000 |
| Trusted goods to work on and with | €25.000 | €50.000 |
| Legal aid (after a covered claim in Civil Liability policy) | €25.000 | €25.000 |
| Annual premium (taxes and expenses included) | €736,05 | €976,40 |
Take out your policy immediately
Please complete this form to take out your liability insurance right away:
More information
Full details and the terms and conditions of this product can be found in the following documents:
Delen
Liability insurance for freelancers and self-employed persons in the media sector (insurer: Zurich Insurance)
Liability insurance for freelancers and self-employed persons in the media sector is a product offered by insurance company Zurich Insurance.
Brief Description of the Coverages Offered
For detailed information on the rights and obligations of the insurance company and the insured, please refer to the IPID sheet and the general and/or special terms and conditions of the selected insurance product.
Business Civil Liability insurance
Business Civil Liability
Cover for your civil liability for damage caused to third parties during the operation of the insured activities.
Insured damage:
- Physical damage
- Material damage
- Non-material consequential loss
- Purely non-material damage
extended to: damage caused by, among other things:
- Fire, flames, smoke, explosion and water
- Accidental environmental damage
- Nuisance from neighbours (art. 544 of the Civil Code)
- Subcontractors (personal liability remains excluded).
Entrusted Goods
Cover for your civil liability for damage to goods entrusted to the insured for work.
Insured damage:
• Material damage
• Non-material consequential loss
Civil Liability After delivery or after completion of works
covers the contractual and extra-contractual civil liability of the insured company for damage to third parties caused by products after delivery or by works after their completion, within the framework of the declared activity.
Insured damage:
- Physical damage
- Material damage
- Non-material consequential loss
Legal assistance
- Civil recourse against third parties
- Criminal defence of the insured person
- Inability of third parties
- Administrative assistance
Professional indemnity insurance
What is insured?
Damage to your client or others that occurs as a result of a professional error committed by you. Incorrect advice that you have given is also covered. Your insured sum is stated on the special conditions attached to the policy.
Who are insured?
In addition to your company, errors by your employees, temporary staff, interns and volunteers are also insured. A company that you engage to do something for you is also covered.
Legal help
The costs of legal assistance, criminal proceedings or disciplinary proceedings are insured.
These costs are only reimbursed if the damage is insured and we have given permission for the costs to be incurred.
Option: run-off cover
Does someone hold you liable after terminating the insurance for a professional error made before the end date? Then that is insured.
Office risk
With this insurance policy, you are insured when you are held liable for damage caused by you or your employees.
With this cover, you are insured if someone holds you liable for damage to their belongings that you or your employee has caused.
Option: Business Civil Liability, Entrusted Goods, Legal Assistance
Optionally, Business Civil Liability insurance, Entrusted Goods insurance and/or Legal Assistance insurance can be added to the policy.
Option: Retroactive cover
If someone holds you liable for a professional error committed before taking out this policy, then you are insured for this, insofar as you were not already aware of this professional error.
The term of retroactive cover and the insurance premium for this are determined upon taking out the contract.
Option: Cyber
An optional Cyber insurance policy can be linked to certain Professional Indemnity policies.
The insured limit, conditions and premium are determined upon taking out the contract. This cover can only be added under certain conditions and for certain professions.
Brief Description of the Major Risks NOT Covered by the Insurance
For detailed information on the rights and obligations of the insurance company and the insured, please refer to the IPID sheet and the general and/or special terms and conditions of the selected insurance product.
Business Civil Liability insurance
Main exclusions common to all guarantees
- Intent or serious misconduct, as set out in the General Terms and Conditions
- Fines
- Damage caused by acts of war, lockout, riot, terrorism or sabotage
- Damage caused by the presence or spread of asbestos
- Professional Indemnity
Main exclusions in Business Civil Liability
- Damage caused by delay, non-performance or poor performance of contractual obligations
- Objective liability in the event of fire or explosion
- Damage resulting from the liability referred to in the Act on compulsory insurance for motor vehicles
Main exclusions from the cover of entrusted goods
- Loss or damage due to theft, disappearance or shortage
- Damage to goods manufactured, sold or delivered by the insured company or its subcontractors, in the event of the installation of these goods
- Purely non-material damage
Main exclusions in Civil Liability after delivery
- Damage to defective products or works
- Ineffectiveness, purely non-material damage
- Pure inefficiency
- Costs for withdrawal and investigation
- Costs for removal, relocation, replacement, repair or reimbursement
Professional indemnity insurance
Damage caused intentionally or that occurs as a result of a crime is not insured.
Cost overrun
This insurance does not cover the damage in connection with exceeding cost budgets and delivery dates.
Intent, fraud and property crimes
Damage caused intentionally, or which is the result of fraud or property crimes such as theft, fraud or forgery.
Retroactive cover
Does someone hold you liable after the start date of the insurance for an error that you committed before the start date? Then that is not insured.
Retroactive cover can optionally be insured under this policy.
Director's liability
Liability in one’s capacity of director or supervisory director is not covered. Re-delivery of a product or service, damage or costs incurred to subsequently deliver the service are not covered.
Re-delivery of a product or service
Damage or costs incurred to subsequently provide the service are not covered.
General Terms and Conditions and Contractual Documents
The IPID sheet Business Civil Liability insurance (Information document on insurance product) can be found here.
The IPID sheet Professional indemnity insurance (Information document on insurance product) can be found here.
The general terms and conditions of this insurance product can be found here.
It is essential that you review these documents before giving your approval to the financial product or signing it. The documents are available via the above links or can be requested from our office.
Legal Information and Complaints Management
The insurance contract is governed by Belgian law.
Origin of the product developer: product offered by Zurich Insurance Plc, Belgian Branch, Da Vincilaan 5, 1930 Zaventem.
Location where you can get a quote together with a calculation of the premium: Insurance Office Van Dessel NV, Misstraat 112, 2590 Berlaar.
The term of the product is one year. At expiry, the contract shall be tacitly renewed on a yearly basis, unless notice of termination is given by one of the parties at least 3 months prior to the expiry date via registered letter, bailiff's writ or by handing over the letter of termination against acknowledgement of receipt.
Any complaint regarding this offer or the insurance contract can be addressed to the internal complaints department of Insurance Office Van Dessel NV, Misstraat 112, 2590 Berlaar, info@vandessel.be.
If you disagree with the outcome of the complaint handling, you can submit a complaint to the VZW Insurance Ombudsman, square de Meeûs 35, 1000 Brussels Tel No: 02/ 547 58 71; Fax No: 02/ 547 59 75; info@ombudsman-insurance.be; www.ombudsman-insurance.be. Complaints must be submitted in writing. Submitting a complaint does not affect the policyholder's right to take legal action.