Every policy is different, every type of insurance has exclusions and being double insured is not always to your advantage. Make sure that you understand what is, and is not, insured in the policy you take out.
COMPULSORY insurance for organisations:
- If you work with volunteers: civil liability insurance for volunteers.
- If you work with “verenigingswerkers” [special category in Belgium]: civil liability insurance and physical accident insurance for them.
- If you manage or use a building that is accessible by the public: objective liability insurance for fire and explosion.
- If you have employees: occupational accident insurance (please note, you do not need this type of insurance for people who work for you via the SBK or an employment agency, those agencies arrange the insurance for them).
- If you or the non-profit organisation own a vehicle: car insurance.
- Other insurance may also be obligatory depending on the activities your organisation undertakes.
Recommended insurance for organisations:
- Civil liability insurance and physical accident insurance that also covers members, participants, …
- Civil liability insurance for directors and trustees (for non-profit organisations [vzw’s] only).
Other insurance which you may need when you organise something:
- Fire insurance (buildings and/or contents insurance).
- Theft insurance for materials (owned or borrowed).
- Comprehensive insurance for materials (owned or borrowed).
- Legal insurance.
- Extra insurance when organising events such as cancellation insurance.
- Insurance for the costs of cancelling or postponing concerts, performances, productions and festivals.
- Travel insurance.
Do you have questions or do you need advice?