Liability

List of things that are insured:

1. Personal Liability (Homeowners or Renters Insurance)

Covers injuries to others or damage to their property that you or your family members cause.
Example: A guest slips and falls at your home, or your child accidentally breaks a neighbor's window.

2. Auto Liability Insurance

Covers damages or injuries you cause to others in a car accident.
Example: You rear-end another vehicle, causing damage to their car and injuring the driver.

3. Pet Liability Insurance

Covers damages or injuries your pet causes to others.
Example: Your dog bites a neighbor, or your cat damages someone's property.

4. Umbrella Liability Insurance

Provides additional coverage beyond the limits of your home or auto insurance policies.
Example: You are sued for a significant amount after an accident, and your auto insurance doesn't fully cover it.

5. Professional Liability Insurance (Errors & Omissions)

Covers claims made against you for errors or omissions in your professional work.
Example: A client sues you for negligence or mistakes in your work, resulting in financial loss.

6. Product Liability Insurance

Covers damages or injuries caused by a product you manufacture or sell.
Example: A product you sell causes injury to a customer, and they sue you for damages.

7. Landlord Liability Insurance

Covers liabilities associated with renting out property.
Example: A tenant or visitor is injured on your rental property due to a hazard you failed to address.

8. Tenant Liability Insurance

Covers damage to the rented property or injuries to others caused by the tenant.
Example: A fire starts in your apartment and spreads to other units, causing damage.

9. Watercraft Liability Insurance

Covers damage or injuries caused by your boat or other watercraft.
Example: You accidentally collide with another boat, causing injury to the other boat’s occupants.

10. Bicycle Liability Insurance

Covers damage or injuries caused by your bicycle.
Example: You accidentally run into a pedestrian while cycling, causing injury.

11. Cyber Liability Insurance

Covers liabilities related to data breaches or cyber attacks.
Example: A data breach occurs at your business, and customers’ personal information is compromised.

12. Personal Injury Liability Insurance

Covers claims for personal injuries like defamation, slander, or invasion of privacy.
Example: Someone sues you for making false statements that harm their reputation.

13. Liquor Liability Insurance

Covers liabilities associated with serving alcohol, particularly in businesses.
Example: A patron becomes intoxicated at your bar and causes an accident afterward, and you are held responsible.

Health Insurance Policies

Dutch public health insurance policy

For internationals, their partners and children, that are (self-) employed in The Netherlands

Private student health insurance policy

For internationals coming to The Netherlands for study, an internship or to work as an au-pair

Private temporary health insurance policy

For internationals that need a temporary health coverage in The Netherlands and/or other Schengen countries