We will explain it to you in detail below!
What is covered by this insurance?
Business liability insurance provides coverage for when you’re liable for damage to a
person or other people's belongings, including the stuff you work with that belongs to your client.
What is not covered by this insurance?
This insurance doesn’t cover any damages to your personal belongings, or if a motor
vehicle was involved, like a car. Check out the terms and conditions for a complete
overview!
Examples that are covered:
- You are working in a warehouse during a job, and are moving boxes. You briefly place a box in a random spot. Another employee is also lugging, does not see your box and trips. That person has to go to the emergency room. (Covered: personal injury)
- You arrive back at the collection point of your job on your E-bike. You dismount and put the bike on its stand. At least, that's what you thought. It was not firmly on the ground, and it falls against a parked car. There is now an ugly scratch in there. (Covered: other people's stuff & E-bike that meets all requirements)
- You work at a festival checking tickets. A disagreement breaks out, and while you jump into action mode to resolve it, the scanning device you borrow from your client has fallen. You stepped on it and the screen is broken (Covered: opzicht).
Examples that aren't covered:
- You are on your way to deliver something. You have to swerve and fall off your bike. Fortunately, you are not injured, but your brand new trousers are broken (not covered: own belongings).
- You are on the road as a battery swapper with your client's van. While parking the van, you fail to see a bollard, and drive a big dent in the car. (Not covered: motor vehicles)
- In the warehouse, a colleague is harassing you all the time. At some point you get fed up, and say something about it. The person is clearly on the warpath, and an argument breaks out. You punch him hard and break his nose (Not covered: intentional).