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.
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.
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.
This insurance is mandatory for operators of publicly accessible establishments, including:
Are you unsure whether your activity falls under the legal requirement? Van Dessel will advise you clearly and accurately on this matter.
The premium depends on various factors, such as:
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.
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.
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.
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.
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.
Did you not find the answer to your question or would you like to discuss your situation with a specialist? Our colleagues are happy to help you.