Aansprakelijkheid

Ask our team of experts for information

  • A team of more than 100 experts at your service
  • Over 30 years of experience
  • Offices in Antwerp, Ghent, Brussels and Hasselt
  • This field is for validation purposes and should be left unchanged.

One of the basic principles of our legal system is that whoever causes damages to someone else as a result of his mistake or negligence must also be responsible for the compensation of these damages. No company escapes this universal rule. After all, entrepreneurs are only human, and people sometimes make mistakes…

Fortunately, it does not always have to go this way, but sometimes the financial consequences of such mistakes can be so great that the survival of your company is jeopardized.

It is therefore critical to protect your company from this risk.

That is possible, provided you have sound liability insurance tailored to your company.

Various insurance solutions include:

Business operations civil liability

This basic insurance covers the civil, non-contractual liability that your company may incur for the damage caused to third parties by and during the operation of the company.

Covered damage is the physical damage, material damage and immaterial consequential damage.

Civil liability for damage to entrusted objects

A possible extension of the Business Operations civil liability consists in covering your liability for damage caused to objects or goods owned by third parties and entrusted to your company for inspection, maintenance, repair or any other processing.

In addition to insuring damage to objects entrusted to you to work on, you can also insure yourself for damage caused to:

  • equipment or tools temporarily borrowed or rented by your company for use as a work tool, or in summary the goods entrusted to you to work with, goods or objects of which your company is a holder, owner or custodian under any other title.
  • Covered damage under this guarantee is the material damage and also (usually) the immaterial consequential damage.

Civil liability after delivery/after execution of the work = product liability

This insurance covers the civil liability of your company for damage due to an error or defect in the delivered products or executed works and caused by and after delivery of these goods or after execution of these works.

Covered damage under this guarantee is contractual and non-contractual liability, physical and/or material damage as well as immaterial (consequential) damage.

Professional liability

Your company can also be liable if it does not or insufficiently meet its professional obligations. If your customer suffers damage due to, for example, an incorrect calculation, or incorrect advice in financial services, then there is a good chance that your company will be held liable for this.

This insurance covers the civil liability of the company, both non-contractual and contractual, as a result of damage caused to third parties by professional mistakes.

Due to the increasing growth of independent interim managers, we have developed an insurance package for the interim management agencies affiliated with FEDERGON, which covers the liability and risks of the interim manager.

Feel free to contact us if you are interested in this tailor-made solution, or download our brochure here.

Objective liability for fire or explosion

This separate insurance is required by law to be taken out by natural or legal persons who operate a business or organize activities in ‘publicly accessible establishments’.

Such establishments are listed in a Royal Decree. These include dance facilities, cinemas, theatres and cultural centres, stadiums, stations and airports.

Objective liability means that the victim need not prove an error on the part of the operator or establishment.

Directors & officers liability (D&O)

As a director of a company, you are the face of the company, but you also risk being personally liable in the event of alleged errors or negligence.

This can range from claims by the tax authorities, social security or other administrative authorities, to a co-director or shareholder who accuses you of maladministration, to a discriminated employee who holds you liable for the policy. This also applies not only to errors that you make yourself but also to those of your co-directors.

In addition, the claims are often substantial and can be recovered in full from the private assets of the directors. Without adequate insurance, you risk total personal bankruptcy.

With a Directors & Officers liability, or D&O policy, you not only enjoy immediate assistance and defence of your interests, your insurer is also responsible for any compensation for the damage itself.

Hoe kunnen we uw onderneming helpen?

  • Occupational accidents
  • Excess
  • Accidents in private life
  • Accidents to self-employed persons 24/24
  • Hospitalization
  • Group insurance – employees
  • IPT – managers
  • POZ – self-employed persons without a company
  • VAPZ – all self-employed persons
  • Pension savings – all self-employed and employees
  • Guaranteed wage or benefit in the event of incapacity for work
  • Material damage – the ‘fire insurance’
  • Business interruption
  • Machinery breakdown
  • Assembly and testing
  • Construction all risk
  • Electronics
  • Theft
  • Money and valuables
  • The compulsory third party liability insurance for motor vehicles
  • The other non-compulsory insurances to supplement the third party liability
  • The (partial) comprehensive insurance
  • The insurance for the driver or occupants
  • Legal assistance insurance
  • Assistance insurance
  • Business operations civil liability
  • Civil liability for damage to entrusted objects
  • Civil liability after delivery/after execution of the work = product liability
  • Professional liability
  • Objective liability for fire or explosion
  • Directors & officers liability (D&O)
  • P&I
  • Hull & Machinery
  • Builders’ Risk
  • Cargo insurance
  • CMR
  • Crisis management 24/24 and 7/7,
  • (forensic) IT professionals,
  • Specialized legal assistance for any breach of privacy and GDPR legislation.
  • Credit
  • Fraud
  • Security and warranty insurance
  • W&I
  • Company legal assistance
  • Environmental liability
  • Recall and product contamination
  • Decennal / Ten-year liability in construction
  • Art and valuable objects
  • Reizen individueel / collectief
  • Kidnap & ransom
  • Political risks
  • Events
  • Travel assistance
  • Other events?
Stop!

risk analysis
Through mutual consultation, we map the bottlenecks within the company. Based on this, we provide a tailor-made solution

prevention management
We detect potential risks and provide a global prevention policy adapted to the company in which you operate.

Customers we enjoy working for

We use cookies or similar technologies (e.g. pixels or social media plug-ins) to optimise your user experience on our website, among other things. In addition, we wish to use analytical and marketing cookies to personalise your visit to our website, to send targeted advertisements to you, and to give us more insight into your use of our website.

Do you consent to our use of cookies for an optimal website experience, so that we can improve our website and surprise you with advertisements? Then confirm with ‘OK’.

Conversely, would you like to set specific preferences for different types of cookies? This can be done via our Cookie Policy. Would you like more information about our use of cookies or how to delete cookies? Please read our Cookie Policy.