Yes. For certain publicly accessible establishments, this insurance is legally required. Without a policy, you risk sanctions and personal liability.
Antilope De Bie Printing
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Objective liability insurance - fire & explosion
Certain businesses pose an increased risk to the public. Consider the risk of fire or explosion in buildings accessible to the public. In such cases, as an operator, you are legally required to compensate victims, even if you have not made a mistake.
The objective liability insurance for fire and explosion protects your business against the financial consequences of such claims and ensures that victims are compensated quickly and properly.
What is objective liability insurance?
The objective liability insurance is a legally required insurance for operators of publicly accessible establishments, such as hospitality venues, shops, sports centers, cinemas, and other locations where the public is present.
If a fire or explosion causes damage to visitors, you are automatically objectively liable. Victims do not have to prove fault.
This insurance covers the physical and material damage of third parties, regardless of your liability.
What are the benefits?
Covers physical, material, and immaterial damage to visitors after fire or explosion.
Covers your legal liability, even without proven fault.
Covers high compensation claims that could financially threaten your business.
Who is this insurance for?
This insurance is mandatory for operators of publicly accessible establishments, including:
- Hospitality businesses (restaurants, cafés, hotels)
- Shops and commercial enterprises
- Sports and fitness centers
- Cultural centers, cinemas, and event halls
- Healthcare facilities
- Office and commercial buildings with public reception
Are you unsure whether your activity falls under the legal requirement? Van Dessel will advise you clearly and accurately on this matter.
What is covered and what is not?
What is covered?
- Covers bodily injury, property damage and consequential financial loss suffered by visitors following a fire or explosion
- Compensation in accordance with the statutory limits
What is not covered?
- Damage to your own building or its contents
- Damage unrelated to fire or explosion
- Contractual liabilities beyond the statutory legal framework
- Damage caused intentionally
How much does this insurance cost?
The premium depends on various factors, such as:
- The type of activity
- The surface area of the building
- The number of visitors
- The risk profile of your establishment
- The preventive measures you take
Because this concerns a legally regulated insurance, the coverages and minimum capital requirements are set. Nevertheless, a customised approach remains important.
Van Dessel analyses your situation and provides correct and compliant coverage at a market-based premium.
Stories from our customers
Groep Steylaerts
Patrick Steylaerts: “Wij hebben het volste vertrouwen in onze verzekeringspartner Van Dessel.”
Germo bvba
Bram Gers: "Vooral het maatwerk is de reden waarom ik met Van Dessel in zee ben gegaan."
Van Wellen Group
Tom Bolsens: "We waren verrast dat er uit zo'n kleine hoek dreiging kon komen."
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 business is required to have mandatory insurance? Or would you like your current policy reviewed?
Our specialists guide you from analysis to subscription. You will receive clear advice, without unnecessary complexity.
Request a quote today or contact us for personal advice.
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