{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"As a business owner, you can be held liable for damage to other people’s property or their injuries. ING Company liability insurance protects your company from the consequences of potential claims.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"body":"Just launched your business?","bodyBold":"Receive 6 months of free company liability insurance.","componentType":"promotionalBanner","date":{},"icon":{"extension":"svg","original":"https://assets.ing.com/asset/14090052-7b83-4214-8c97-d8114de16c39/Circle-Present-11.svg","publishedAt":"2024-10-01T14:00:11Z","transformBaseUrl":"https://assets.ing.com/transform/14090052-7b83-4214-8c97-d8114de16c39/Circle-Present-11","type":"image","updatedAt":"2024-10-01T14:02:56Z","width":64},"textLink":{"text":"Read the terms","url":"/en/business/insurance/starters-discount-company-liability"}},{"componentType":"sectionTitle","title":"What is company liability insurance?"},{"componentType":"paragraph","richBody":{"value":"<p>Company liability insurance protects your business against damage that you or your employees cause,<strong> </strong>such as injuries, property damage, and environmental damage.</p><p>After all, accidents happen… No matter how big or small an accident is, you don’t want to have to worry about the consequences it could cause for you. That’s where company liability insurance comes in.</p>"}},{"accordionList":[{"richBody":{"value":"<p>This insurance is suitable for the self-employed and businesses:</p><ul><li>in sectors such as construction, hospitality, personal care, B2B services, retail and wholesale</li><li>with an annual turnover of up to €1.5 million</li></ul>"},"title":"Who is the ING Company liability insurance for?"},{"richBody":{"value":"<p>No, company liability insurance is not compulsory. But what if your business ends up liable for thousands of euros of damage? If you aren’t covered, you will have to pay this out of your own pocket, even if you are self-employed. However, sometimes this kind of insurance is required by clients or trade associations if you are a member.</p>"},"title":"Is company liability insurance mandatory?"},{"richBody":{"value":"<p>The cost of company liability insurance depends largely on the type of work your business does. To give you an idea of our competitive rates, the table below shows the average monthly premium by industry. You can easily calculate your exact premium through My ING Business Banking.</p><ul><li>Retail: <strong>€9.75</strong></li><li>Wholesale: <strong>€19.08</strong></li><li>Hairdressers &amp; beauty salons: <strong>€9.78</strong></li><li>Construction: <strong>€42.31</strong></li><li>IT &amp; software services: <strong>€11.54</strong></li><li>Financial advisers: <strong>€9.75</strong></li><li>Legal professionals: <strong>€9.78</strong></li><li>Transport &amp; logistics: <strong>€23.00</strong></li><li>Cleaning companies: <strong>€32.13</strong></li><li>Architects: <strong>€8.42</strong></li><li>Landscapers: <strong>€47.00</strong></li><li>Removal companies: <strong>€23.58</strong></li></ul><p><strong>Good to know:</strong></p><p>The prices shown are average monthly premiums by industry. They are based on current premiums provided by our insurance partner, Allianz Direct. The premium you ultimately pay depends on your specific situation and the cover you select when completing your application. As a result, your premium may differ from the amount shown.</p><p>No rights can be derived from the prices displayed. If Allianz Direct changes its premiums, we will update the prices on this website as soon as possible. The premium shown during the application process is always the final and prevailing premium.</p>"},"title":"How much does company liability insurance cost per month?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"What does company liability insurance cover?"},{"componentType":"paragraph","richBody":{"value":"<p>ING Company liability insurance covers financial losses you incur due to accidents for which you and/or your employees are liable. If you want to insure your association or foundation, your members’ liability is covered.</p>"}},{"comparisonCardList":[{"title":"What is covered","usps":[{"body":"Injury or damage following an accident","iconType":"check-mark"},{"body":"Product liability","iconType":"check-mark"},{"body":"Employer liability","iconType":"check-mark"},{"body":"Incidental environmental damage","iconType":"check-mark"},{"body":"Costs of determining liability and damage","iconType":"check-mark"},{"body":"Run-in risk (optional coverage)","iconType":"check-mark"},{"body":"Associations or foundations","iconType":"check-mark"}]},{"title":"What is not covered","usps":[{"body":"Fire-hazardous roofing work","iconType":"cross"},{"body":"Cyber & data","iconType":"cross"},{"body":"Scaffolding","iconType":"cross"},{"body":"Demolition and renovation","iconType":"cross"},{"body":"Asbestos","iconType":"cross"},{"body":"Organisation of events with >1,000 visitors","iconType":"cross"},{"body":"This insurance is not valid in the United States and Canada","iconType":"cross"}]}],"componentType":"comparisonCards","title":"What is covered,What is not covered"},{"componentType":"cta","microCopy":"Login to calculate your premium","textLink":{"text":"Calculate your premium","url":"https://mijnzakelijk.ing.nl/banking/insurances/business/company-liability"}},{"actionAccordionList":[{"paragraphs":[{"componentType":"paragraph","richBody":{"value":"<p>The level of your premium depends on several factors. These are the most important ones:</p><ul><li><strong>Industry</strong></li></ul><p>How risky is your line of work? An IT consultant usually pays less than an architect or financial adviser.</p><ul><li><strong>Annual turnover</strong></li></ul><p>The higher your turnover, the greater the risk of claims — and that will be reflected in your premium.</p><ul><li><strong>Insured amount</strong></li></ul><p>The higher the amount you choose to insure, the higher the premium.</p><ul><li><strong>Deductible</strong></li></ul><p>If you opt for a higher deductible, you’ll generally pay a lower premium.</p><ul><li><strong>Business size</strong></li></ul><p>Do you work on your own or with a team? More employees often means a higher premium.</p><p>Tip: Want to know what your premium would be? Calculate it directly in My ING Business or in the ING App to get an amount tailored to your situation.</p>"}}],"title":{"value":"<p>Which factors influence the premium of a company liability insurance policy?</p>"}}],"componentType":"actionAccordion"},{"componentType":"sectionTitle","title":"Cooperation with Allianz Direct"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><span><span><span><span><span>We cooperate with the insurer Allianz Direct, and where necessary with other insurers within Allianz Group. You can apply for insurance, change your coverage or make a claim in My ING Business or the ING App. This insurance is underwritten by Allianz Benelux, which means that they will collect your premium and pay out any successful claims. </span></span></span></span></span></span></span></span></p><p><strong>Terms and conditions</strong><br />See below our cooperation document and the terms and conditions. Please review these documents carefully and save them on your device.</p><ul><li><a href=\"https://assets.ing.com/m/3fc508e9809337b5/original/More-about-the-service-co-operation-and-taking-out-the-insurance-FINAL.pdf\">About our cooperation with Allianz</a></li><li><a href=\"https://assets.ing.com/m/56c279093c13bee9/original/ING-Bedrijfsaansprakelijkvoorwaarden-ENG.pdf\">Terms &amp; conditions ING Company liability insurance</a></li><li><a href=\"https://verzekeringskaarten.nl/allianz/ing-business-company-liability-insurance\">Insurance card ING Company liability insurance</a></li></ul>"}},{"componentType":"sectionTitle","title":"How to take out ING Company liability insurance"},{"body":"You can take out the insurance quickly and easily in My ING Business or the ING App.","componentType":"applicationProcess","steps":{"stepList":[{"body":"Everything is already filled in for you. All you have to do is check it’s all correct.","title":"Check your details"},{"body":"This way you can be sure you’re insuring the right activity.","title":"Choose your business activity"},{"body":"You can see upfront what you will pay per month or year.","title":"Check the premium"},{"body":"Once you’re happy, submit the application.","title":"Check everything again"},{"body":"You should see your insurance coverage in the app and in My ING Business","title":"You see immediately if you’re covered right away!"}]}},{"componentType":"cta","microCopy":"Login to calculate your premium","textLink":{"text":"Calculate your premium","url":"https://mijnzakelijk.ing.nl/banking/insurances/business/company-liability"}},{"componentType":"paragraph","richBody":{"value":"<p>Sometimes it takes a little longer to review your application, but we’ll keep you up to date. If we cannot insure your business, we will tell you straight after you apply.</p>"},"textLinks":[{"text":"Not yet a business customer with us? First open a Business current account."}]},{"componentType":"highlight","richBody":{"value":"<ul class=\"check-mark\"><li>Competitively priced</li><li>Quick application</li><li>See your coverage at a glance in your ING environment</li><li>Make a claim directly through the app and My ING Business</li><li>You can change or cancel daily</li></ul>"},"title":"Why insure your business through ING?"},{"componentType":"sectionTitle","title":"FAQ – ING Company liability insurance"},{"accordionList":[{"richBody":{"value":"<p>A company liability insurance policy provides financial protection if you are held liable for damage caused by you or your employees to others. Think of:</p><ul><li>Damage to third-party property<br />For example, a customer who trips over your tools and damages their laptop.</li><li>Personal injury<br />If someone gets injured as a result of your work.</li><li>Employer’s liability<br />Claims made by employees are also covered under this insurance.</li></ul><p>The insurance is not legally required, but some clients may require it before working with you. This way, you know you&apos;re well prepared for unexpected costs.</p>"},"title":"Why is company liability insurance important?"},{"richBody":{"value":"<p>You can choose the deductible yourself: €500, €1,000 or €2,500. This is the amount you pay yourself per claim. The higher the deductible, the lower the premium.</p><p>The deductible you choose applies to property damage and environmental damage. Other coverage may be subject to a different deductible. Please see the policy schedule sent to you once you have taken out the insurance.</p>"},"title":"What deductible would I have to pay under ING Company liability insurance?"},{"richBody":{"value":"<p>Company liability insurance insures you if you are liable for property damage or injury following an accident. Professional liability insurance covers you for the financial consequences of professional misconduct for which you or your employees are liable.</p>"},"textLinks":[{"text":"More about the differences","url":"/en/business/insurance/what-is-the-difference-between-professional-liability-insurance-and-company-liability-insurance"}],"title":"What’s the difference between company liability insurance and professional liability insurance?"},{"richBody":{"value":"<p>ING Company liability insurance is very competitively priced. The premium amount varies from one company to another, because your insurance depends on factors including:</p><ul><li>what your company does;</li><li>how much your company&apos;s turnover is;</li><li>what you set your excess at;</li></ul><p>Calculate your premium right now. It takes just 2 minutes to see how much you’ll pay.</p>"},"title":"How much does company liability insurance cost?"},{"richBody":{"value":"<p>It’s not legally required to take out the ING Company liability insurance, regardless of your industry or business type. As an entrepreneur, you’re personally responsible for any damage you cause. Without insurance, you’ll pay for this out of your own pocket.</p><p>When taking on assignments, proof of insurance is increasingly requested. Especially clients in construction, healthcare, consultancy and technology often require you to have ING Company Liability Insurance before you start working for them. Suppliers or partners may also include in their contracts that your liability must be insured. And if you want to join a trade association, having this insurance may be a condition for membership.</p>"},"title":"Is this insurance mandatory in my industry?"},{"richBody":{"value":"<p>The insurer processes it immediately. You may be contacted if more information is needed.</p><p>You can easily report damage via My ING Business or the ING App – and you can also track the status of your claim there.</p>"},"title":"How quickly is a claim handled?"}],"componentType":"accordion"},{"componentType":"linkList","iconTitle":{"icon":{"extension":"png","original":"https://assets.ing.com/m/b3ad527d82eaff3/original/Feedback-Light_Bulb_Outline.png","publishedAt":"2024-01-30T14:54:21Z","transformBaseUrl":"https://assets.ing.com/transform/9b2c6ad3-b2ea-4db5-a2ca-1c48b46f01ae/Feedback-Light_Bulb_Outline","type":"image","updatedAt":"2024-01-30T14:54:52Z","width":2500},"title":"Also interesting for you..."},"textLinks":[{"text":"Professional liability insurance","url":"/en/business/insurance/ing-professional-liability-insurance"},{"text":"Company car insurance","url":"/en/business/insurance/ing-company-car-insurance"},{"text":"Company van insurance","url":"/en/business/insurance/ing-company-van-insurance"},{"text":"Difference between company and professional liability","url":"/en/business/insurance/what-is-the-difference-between-professional-liability-insurance-and-company-liability-insurance"}]}]},"hasMacro":false,"id":"35f9d6ec-3f66-41ce-abe8-e2106ce8da1b","legalZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"<p><small class=\"footnote\">🛈 We offer the English information on ING.nl as an additional service. This information was translated from Dutch, and in case of any inconsistency, the original Dutch text shall prevail.</small></p>"}}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Business insurances","url":"/en/business/insurance"}},"componentType":"productHeader","coreHeader":{"headerImage":{"extension":"jpg","original":"https://assets.ing.com/asset/23b3c8f5-fb07-4a11-bb5f-fa794639004d/cropped-mature-man-laughing-in-his-workshop.jpg","publishedAt":"2025-12-16T11:37:09Z","transformBaseUrl":"https://assets.ing.com/transform/23b3c8f5-fb07-4a11-bb5f-fa794639004d/cropped-mature-man-laughing-in-his-workshop","type":"image","updatedAt":"2025-12-16T11:37:28Z","width":1920},"promoText":"New businesses get 6 months free","subtitle":"Successful entrepreneurs stay one step ahead. With the right company liability insurance, your business is protected when it matters most.","title":"Company liability insurance"},"cta":{"componentType":"cta","microCopy":"Login to calculate your premium","textLink":{"text":"Calculate your premium","url":"https://mijnzakelijk.ing.nl/banking/insurances/business/company-liability"}},"usps":[{"body":"Great cover, competitively priced","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/6716bef44a00873b/original/Transactions-Payment_Request_Euro_Outline.svg","publishedAt":"2022-07-04T14:10:27Z","transformBaseUrl":"https://assets.ing.com/transform/a7d6cbed-1598-4833-9544-de6d8e2f3a10/Transactions-Payment_Request_Euro_Outline","type":"image","updatedAt":"2023-12-21T20:27:16Z","width":32}},{"body":"Set up in just 3 minutes","icon":{"altTextEN":"bank account with insurance","altTextFR":"compte bancaire avec assurances","altTextNL":"zichtrekening met verzekering","extension":"svg","original":"https://assets.ing.com/m/390b6cf5d71f8890/original/Products-Umbrella_Outline.svg","publishedAt":"2022-07-04T15:21:44Z","transformBaseUrl":"https://assets.ing.com/transform/2f6736b7-8c7c-45c8-92de-d2f9861ddd89/Products-Umbrella_Outline","type":"image","updatedAt":"2023-12-21T19:28:02Z","width":32}},{"body":"Cover up to €2.5 million per claim","icon":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"png","original":"https://assets.ing.com/m/292d237739956bc4/original/Smiley_happy_Outline_RGB.png","publishedAt":"2022-05-26T14:45:29Z","transformBaseUrl":"https://assets.ing.com/transform/c1a18dd4-99b9-49ca-8aeb-670f42bdd095/Smiley_happy_Outline_RGB","type":"image","updatedAt":"2023-12-21T20:39:35Z","width":267}}]},"publishDate":"2026-09-07T09:42:44.438+02:00"}}