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Business insurance

This information is provided by

Netherlands Enterprise Agency, RVO

Business insurances cover risks that you run as a result of having a company. In the Netherlands, you are not obliged to insure against these risks. However, some insurances are compulsory.

Compulsory insurances

You must have these insurances:

  • Third party car insurance (according to the Dutch Motor Insurance Liability Act, WAM) if you use and/or own motor vehicles
  • Buildings insurance (opstalverzekering) if you own a commercial building or other immovable property (your mortgage lender requires this insurance)
  • Professional indemnity insurance (Beroepsaansprakelijksheidsverzekering, BAV) or business liability insurance (Bedrijfsaansprakelijkheidsverzekering, AVB) for some professions (required by the professional association)

Voluntary insurances

You can insure voluntarily for professional risks, for instance:

Closing down your business

If you close down your business, you need to decide whether you have to cancel all or some of your (business) insurances.

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This information is provided by

Netherlands Enterprise Agency, RVO
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