WBTR verzekering voor bestuurders online premie 2021

De Wet bestuur en toezicht rechtspersonen (WBTR) heeft effect op de verzekeringen van bestuurders. In deze wet zijn er regels opgesteld over taken, bevoegdheden, verplichtingen en aansprakelijkheid. De WBTR verzekering moet er voor zorgen dat bestuur en toezicht van verenigingen en stichtingen verbetert. Met deze wet hoopt de overheid voorkomen dat wanbestuur, onverantwoordelijk financieel beheer, zelfverrijking, misbruik van posities en andere ongewenste activiteiten verenigingen en stichtingen schaden.

Vanaf 1 juli 2021 moeten alle stichtingen en verenigingen aan deze nieuwe wet voldoen. Door procedures en verantwoordelijkheden met elkaar te bespreken en vast te leggen, komt er meer transparantie en wordt wanbestuur lastiger. Want misschien lijkt het niet vaak voor te komen, ‘vriendjespolitiek’ of ‘een greep uit de kas’ is een welbekend fenomeen in de bestuurscultuur. Met deze wet wil de overheid meer grip te krijgen op bestuurders die bewust of onbewust dit wanbeleid voeren.

Bestuurdersaansprakelijk stichting/vereniging

WBTR verzekering diverse partijen

  • Bestuursleden van verenigingen en stichtingen.
  • Betaalde bestuurders en vrijwilligers.
  • Van belangen- en beroepsorganisaties tot gezelligheids- en lotgenotenverenigingen.
  • Sport, welzijn, cultuur, goede doelen, enzovoorts…
  • Kleine en grote verenigingen/stichtingen.
  • Nationaal, regionaal en lokaal.

Hoofdelijke aansprakelijkheid WBTR verzekering

Voordat de WBTR kwam, was een bestuurder ook aansprakelijk maar de wet is nu veel strenger geworden. Een WBTR verzekering is dus zeker op zijn plaats. Je kunt immers persoonlijk aansprakelijk worden gesteld als er wat misgaat bij de vereniging of stichting, dat geldt ook voor daden van medebestuursleden. Het kan grote persoonlijke gevolgen hebben als dit gebeurt bij financiële transacties. Hierbij maakt het niet uit of je een betaalde bestuurder bent of een vrijwilliger. Door de vereniging in te richten volgens de WBTR, verklein je de kans dat er wat misgaat en met een WBTR verzekering is de kans op vervelende persoonlijke consequenties vrijwel nihil.

Voorkomen aansprakelijkheid

[Lees meer…] overWBTR verzekering voor bestuurders online premie 2021

PEPP pensioen – Te koop voor Europeanen vanaf maart 2022.

De Raad van de Europese Unie (EU) heeft op 14 juni 2019 ingestemd met het Pan Europees Persoonlijk Pensioenproduct (PEPP) het PEPP pensioen. Hiermee komt een nieuw aanvullend product voor vrijwillige pensioenopbouw in de derde pijler. (Let op PEPP niet verwarren met Pandemic Emergency Purchasing Programme)

PEPP Pensioen – goed nieuws

PEPP Pensioen
  • Het geeft een ruimere keuze aan Europeanen die willen sparen voor hun pensioen met deze “pan-Europees pensioenproducten” (PEPP Pensioen).
  • Waardoverdrachten tussen lidstaten worden vergemakkelijkt.
  • Europeanen zijn minder afhankelijk van de eigen wettelijke regels van EU-landen.
  • Belemmeringen voor beleggings­fondsen weg nemen.

Meer concurrentie door PEPP pensioen

Het doel van dit product is om meer concurrerende producten op de Europese pensioenmarkt te krijgen. Door de concurrentie te vergroten, krijgen consumenten meer keuzemogelijkheden. Tegelijkertijd heeft de EU een belang bij het overhevelen van spaartegoeden van burgers naar beleggingen voor een langere termijn om hiermee de economie op de lange termijn op peil te houden.

Nederlandse pensioenregels blijven gelden

De wetgeving van de individuele landen blijft van toepassing. Dus ook voor Nederlanden de verplichte pensioenopbouw bij de verschillende BPF’s. Ook voor bedrijven die wel die vrijheid hebben om een eigen collectieve pensioenregeling te starten, zal er weinig veranderen. Individuele werknemers kunnen met het PEPP Pensioen dus wel zelf gaan bijsparen.

[Lees meer…] overPEPP pensioen – Te koop voor Europeanen vanaf maart 2022.

WBTR bestuurdersaansprakelijkheidsverzekering online premie 2021

Hoe ziet de bestuurdersaansprakelijkheidsverzekering eruit na de invoering van de WBTR? De Wet bestuur en toezicht rechtspersonen (WBTR) moet er voor zorgen dat bestuur en toezicht van verenigingen en stichtingen verbetert. In de wet zijn er regels opgesteld over taken, bevoegdheden, verplichtingen en aansprakelijkheid. Met deze wet wil de overheid voorkomen dat wanbestuur, onverantwoordelijk financieel beheer, zelfverrijking, misbruik van posities en andere ongewenste activiteiten verenigingen en stichtingen schaden.

‘Een greep uit de kas’ en ‘vriendjespolitiek’ komt vaker voor dan velen denken, deze wet moet daar verandering in brengen. Door procedures en verantwoordelijkheden met elkaar te bespreken en vast te leggen, komt er meer transparantie en wordt het lastiger voor wanbestuur. Vanaf 1 juli 2021 moeten alle stichtingen en verenigingen aan deze nieuwe wet voldoen.

Bestuurdersaansprakelijk stichting/vereniging

WBTR bestuurdersaansprakelijkheidsverzekering partijen?

  • Bestuursleden van verenigingen en stichtingen.
  • Betaalde bestuurders en vrijwilligers.
  • Kleine en grote verenigingen/stichtingen.
  • Nationaal, regionaal en lokaal.
  • Van belangen- en beroepsorganisaties tot gezelligheids- en lotgenotenverenigingen.
  • Sport, welzijn, cultuur, goede doelen, enzovoorts…

Schadevoorbeelden WBTR bestuurdersaansprakelijkheidsverzekering

[Lees meer…] overWBTR bestuurdersaansprakelijkheidsverzekering online premie 2021

Bestuurdersaansprakelijkheid BV 7 onprettige voorbeelden

Voorbeelden bestuurdersaansprakelijkheid

Bestuurdersaansprakelijkheid BV lijkt risicoloos. Immers de rechtspersoon beschermt de bestuurder of DGA. Maar dat blijkt niet het geval. Er is ook een Bestuurdersaansprakelijkheid BV als er sprake is van onbehoorlijk bestuur of vanwege andere oorzaken die in de wet staan omschreven.

Bestuurdersaansprakelijk premie berekenen BV

1. Het reclamebureau – Bestuurdersaansprakelijkheid BV

Een reclamebureau, een BV, verzorgde een reclameactie van een wasmiddelenproducent. De respons op deze actie was veel groter dan verwacht. Derhalve waren de kosten ook aanmerkelijk hoger dan door het bureau was voorgerekend. Omdat de bestuurder zich volledig met de bedrijfsvoering en dit contract had bezig gehouden werd hij na het faillissement van de BV persoonlijk in privé aansprakelijk gehouden voor het restant van de vordering. De Bestuurdersaansprakelijkheid BV kreeg zo een vervelend slot voor de DGA.

[Lees meer…] overBestuurdersaansprakelijkheid BV 7 onprettige voorbeelden

Inventory and goods insurance online premium application


Inventory

This insurance covers damage to your inventory due to, for example, fire, water or theft. Inventory is all movable property necessary to exercise the profession, business or activities.



Goods

This insurance covers damage to your (commercial) goods due to, for example, fire, water or theft. With this you insure, among other things, raw and auxiliary materials, semi-finished products, end products intended for sale, goods in progress and packaging, or goods stored in the store(s). The insured amount is based on the puchasing value of all your goods (ex VAT) . Always choose the maximum amount that can be present at the location.

Tenant interest

If you are a tenant, this will insure the modifications that you have made to the building yourself.

Glass insurance

If you are a tenant, you insure breakage of glass in the building, glass in counters, display cases, mirrors and vending machines. It is insured if damage is caused by an “event” that affects the glass from the outside and the inherent defect of the glass or its mounting material.

Computer and electronic insurance

This insurance covers damage to computer equipment, peripherals, such as printers and modems. As well as other electronic devices such as copiers and telephone systems. The insured amount is divided into hardware, software, data and any additional costs.

Company information




General information about inventory and goods insurance

The inventory and goods insurance is for companies or institutions with inventory or companies that are in possession of merchandise such as end products and raw materials.
The tenants’ interest insurance is for tenants who have made changes and / or extensions to or in the rented building.

Features of an inventory and goods insurance

inventaris en goederen verzekering
  • Coverage against common events
  • Inventory and / or goods that are temporarily elsewhere in the Netherlands are insured
  • Clearance costs are insured
  • When you have a tenant interest insurance, they also cover the costs of emergency facilities.

Goods are insured for their market value, i.e. the purchase price and the delivery costs.

Tenant’s interest insurance

With the Tenant’s Interest Insurance you are insured against the financial consequences of damage to the changes and improvements made to a rented building. With the tenants’ interest insurance you are also insured against the material costs caused by, for example:

  • Storm
  • Vandalism

Glass is not part of the tenant’s interest. This risk is often co-insured in addition to the inventory and goods insurance.

What does inventory and property insurance cover?

The inventory and / or goods are insured for damage as a result of, for example:

  • Fire
  • Water (precipitation and tap water)
  • Theft

They often count sun blinds, antennas and illuminated signs as inventory insurance. There is no cover for damage caused by, for example, an earthquake or flood.

Audio with tips before applying for an insurance (in Dutch)

Own risk inventory and goods insurance

A general own risk often applies to this inventory and goods insurance, with due observance of the following
1. A deductible of € 500 applies for every compensation owed. However, in some cases, provisions and / or amounts can deviate from this insurance. See the information of the specific insurance for this.
2. Per claim, the (highest) own risk amount is only deducted once, even if more than one insurance policy is involved in that claim.

What is inventory?

All movable property that serves to exercise the profession, the company or the activities, as described in the inventory and goods insurance, including mopeds, antennas, sun blinds and illuminated signs.
The items listed below are not considered as inventory.

What is not inventory?

a. Private household effects.
b. Goods, including raw and auxiliary materials, semi-finished products, end products that are
intended for sale, goods in progress and packaging.
c. Money and valuable paper.
d. Motor vehicles (except mopeds), including loose parts and accessories thereof.
e. Caravans and trailers, both including loose parts and accessories thereof.
f. Vessels, including loose parts and accessories thereof.
g. Third-party goods.
h. Computer and other digital information files, as well as software, except standard software.

Therefore, these items cannot be insured on the inventory and goods insurance and must be insured otherwise.

Insured damage causes on inventory and property insurance

  • Fire Fire, as stated in Chapter Further descriptions. Damage resulting from the proximity of uninsured items affected by fire is covered.
  • Fire extinguishing Fire fighting and resulting damage.
  • Lightning Strike Lightning Strike. Damage resulting from the proximity of uninsured items struck by lightning is also covered.
  • Induction / Over-voltage Induction and over-voltage, both due to lightning.
  • Explosion Explosion, as stated in Chapter Detailed descriptions. Also covered is damage resulting from
    a. total or partial destruction of insured items by explosion or
    b. the proximity of uninsured items that are destroyed by an explosion.
  • Air traffic Air traffic, as stated in Chapter Further descriptions.
  • Storm Wind force, at a wind speed of at least 50 km per hour (wind force 7). Damage caused by objects that fall over during a storm and / or fly through the air is covered.
  • Precipitation Precipitation (including rain, snow, hail or melt water) and / or sewage water
    • a. unforeseen entered the building and / or
    • b. accidental flow from indoor drain pipes. Not covered is damage:
    • c. penetrated by precipitation and / or sewage through open windows or doors;
    • d. by groundwater;
    • e. by breaking through walls;
    • f. due to lack of building maintenance.
  • Heavy local rainfall Water, unforeseen entering the building, due to heavy local rainfall, as stated in Chapter Detailed descriptions. Not covered is damage caused by water after a dike breach or through cracks, holes and other damage to flood defenses.
  • Snow pressure The pressure that snow and / or ice exert on the outside of the building.
  • Water accumulation The pressure that an accumulation of rain and / or melt water exerts on the roof of the building.
  • Water / steam
    • a. Water and / or steam that unexpectedly flowed from a water supply, central heating, air conditioning or sprinkler installation.
    • b. Water that has unexpectedly flowed from supply and discharge pipes and / or appliances that are connected to these installations.
    • c. Water that has overflowed from these installations and / or appliances.
  • Aquarium Water, unexpectedly flowing from an aquarium. Also covered is damage to the items listed below.
    • a. The contents of the aquarium.
    • b. The aquarium itself by breakage.
  • Waterbed Water, unexpectedly flowing from a waterbed.
  • Theft Theft or attempted theft, only if committed by someone who has entered the building from the outside by forcible entry, is damage covered on an inventory and property insurance policy.
  • Vandalism Vandalism, only if committed by someone who has entered the building from the outside through burglary.
  • Riots / riots / uprisings This is understood to mean incidental manifestations of violence (not including rowdiness and vandalism).
  • Violent robbery / extortion Robbery and extortion, both using or threatening to use physical violence against any person.
  • Collision Collision with a building.
  • Fallen / spilled cargo Cargo of vehicles or vessels that has fallen off or flowed out of it as a result of a collision or collision.

Prevention requirements for inventory and goods insurance

Prevention facilities that meet the following conditions:
a. The risk class has been determined by a BORG or a VEB security company on the basis of the ‘Improved Risk Class Classification’ (VRKI).
b. All security measures associated with the risk class have been carried out by or on behalf of this security company.
c. If an intrusion detection system is part of the security measures, it will be maintained on
in the manner agreed with the installer.
d. All security measures can function properly at all times.
For almost all insurers, The CCV is the institute where risk classifications are determined

Prevention regulations
As long as the insured or his staff are not present in the secured business premises, the following measures need to be taken to qualify for a claim from an inventory and goods insurance:
e. All security measures are correct and fully in use / applied.
f. If an intrusion detection system is present, it is correctly and fully armed.

VVE Pand verzekering (aansprakelijkheid) pakketpremies 2021

Een VVE Pand verzekering (aansprakelijkheid) verzekert schade die door onroerend goed toebrengt aan anderen. Deze verzekering wordt afgesloten door de eigenaar van het onroerend goed. Het is dus een belangrijke zakelijke verzekering voor pandeigenaren.

Deze VVE Pand verzekering (aansprakelijkheid) is dus specifiek voor eigenaren van zakelijke panden of VVE’s.

VVE pakket verzekering premie berekenen [Lees meer…] overVVE Pand verzekering (aansprakelijkheid) pakketpremies 2021

Pension management in 13 professional steps

Pension management start after our work related to pension advice for employers. Management of a collective pension scheme is, even for professionals, a complex and often intensive process. After all, the employer has a statutory pension duty of care to meet the many – often legal – requirements. Pension management is a crucial part of a solid employee Benefit scheme.

Pension defined contribution premium online

Pension Management and liability

Organizing pension management for employees is a difficult and tedious job for any company, HR department or accountant. Mistakes can become major problems due to the strict Dutch Pension Act. We take care with solid pension management, the responsibility and the financial liability. With a tight organization, professional knowledge and logistical knowledge about the activities at pension insurers, an employer gets the legal and administrative security.

13 pension management activities

pension management
  1. Guiding the entry and exit of employees. As an employer, you do not want to be confronted with administratieve pension matters. However, handling this correctly is crucial because of the serious risks if the requirements of, for example, timely registration are not met.
  2. Administrative support and control of individual pension benefit transfers. Some employees want to know what the advantages and disadvantages are. This is their right, but a company often lacks the practical knowledge to settle this efficiently. The pension providers usually only provide basic logistic information.
  3. Adjusting the pension scheme to salary changes. Our experience is that for every 10 employees there is one case that requires technical attention. Pension management filters out the difficult situations.
  4. Personal changes on an individual level. Change of address, another partner, children, value transfers, incapacity for work, etc. Passing on the pension management change is often only a fraction of the time investment. Personal guidance and explanation is often rightly experienced as necessary.
  5. Legal consequences of legislative changes. Over the past 10 years there have been changes almost monthly that sometimes had far-reaching consequences. The change in the standard retirement age to 68 years was such an adjustment.
  6. Financial cost control pension contract. Once a pension provider has been chosen, there is a constant need to limit costs. Pension management ensures a certain control over those costs.
  7. Insurance consequences or product changes. Does the new product features of a collective pension scheme still match the pension commitment? Without control, the responsibility for good pension management lies with you as an employer.
  8. Coordination of pension consequences of retirement, incapacity for work and death of an employee. At that unexpected moment, immediate pension management action is necessary, but especially careful guidance is guaranteed with our pension-management.
  9. Information from, and preparation of, Works Council meetings. For a well-prepared employer, a pension plan through correct pension management does not have to be a problem. We provide substantiation and guidance through thorough pension management.
  10. Give assistance with pension texts employment/labor contracts. It is often a surprise when the intended pension plan, the commitment in the employment contract, the employee handbook and the Pension 1-2-3 information for the employee are aligned. Pension management arranges this synchronization.
  11. Administrative logistics around policies, pension agreements and administration agreements. We help with clear logistics, archiving and reporting through professional pension management.
  12. Providing information to the payroll administrator. Calculating the correct personal contribution sometimes turns out to be quite a challenge for even a experienced payroll administrator.

Customized quotation

A pension plan gives every company the opportunity to tailor an employment condition as part of all rewards. Fine-tuning pensions as terms of employment is a good opportunity to ensure that the wishes of the employer and the employee are aligned. You can then determine which pension insurer has a direction that suits your own wishes. The prices and conditions sometimes differ greatly. The (price of) services are also a element not to be forgotten.

Audio (in Dutch)

The Dutch pension building. 10 minutes. Link and download

Stakeholders pension management

Pension management is also a labor-intensive process for professionals. After all, the employer has a duty of care that must meet many legal requirements. The circle of stakeholders is growing:

  • Tax authorities;
  • The pension provider;
  • The participants;
  • The accountant;
  • The pension advisor;
  • HR department or payroll clerk;
  • The shareholders.

Example of activities

We are happy to relieve the employer’s duty of care for pension management. Examples of pension management activities that we can take care of:

  • Substantive control of pension scheme against legislation and regulations
  • Checking the pension documents of the pension provider and employer
  • Information provision of relevant product and legislative changes to the employer (e.g. 68 years old – the emotion and the facts)
  • Registration and deregistration of participants
  • Annual and interim salary changes
  • Changes to the civil status of participant
  • Assessment of surviving relatives criterion
  • Processing parental leave scheme
  • Report termination of partnership or cohabitation
  • Reporting and supervising incapacity for work
  • Change investment choice
  • Report the death of the participant and support benefits
  • Financial settlement on retirement
  • Participants 30% ruling assistance
  • Supervising non-contributory entitlements ex-participant
  • Supervision of pension requirements Medical Examinations Act
  • Progress control of the activities of pension providers
  • Coordination with accountant, office management and-or payroll adminstrator.
  • Adjust pension scheme through standard legislation and regulations
  • Value transfer counselling individual participants
  • Adjustment of pension scheme due to irregular laws and regulations
  • Textual assistance (employment contract, personnel guide, etc.)
  • Advice implementation agreement, starting letter and pension regulations
  • Information to the participant in the event of divorce
  • Verification of waivers
  • Assistance with tax matters and legal liabilities
  • Pension helpdesk for participants (Or other personal assistance)

Pension management costs

We do not receive any pension commission from insurers. All our activities are documented in advance and invoiced afterwards in mostly fixed rates. No unexpected bills. We are independent of pension insurers, so we work 100% for those who pay our bill. Pension management varies in costs for companies between € 10 and € 25 per employee per month. These costs depend on whether a standard or comprehensive service is provided.

Disability insurances

Pension management is often accompanied by specific other employment conditions such as absenteeism insurances of disability insurances. In addition, synchronization will be of great importance in order not to cause conflicts from these employment conditions towards employees. We allow the conditions to connect seamlessly from pension management to these additional employment conditions. Naturally, a connection is sought with the information as laid down in the employment contract and the personnel guide / commitment.

(Sickness) absenteeism and pension management

Sickness absence has an important influence on pension management activities in several respects. To what extent will the premium have to be paid? (UWV info) How is care leave handled and what happens if the absenteeism changes from sick leave to incapacity for work? Are there any consequences for the progress of pension accrual? At what time will the pension insurer be informed and which administrative route must be followed? Here, too, a connection is sought with the information as recorded in the employment contract and the personnel guide / commitment.

Quotations and premiums

English contact form General (Third party) liability applicationform Hiscox CyberClear Insurance - online premium IT Information Technology liability premium Management Consultancy liability premium Pension defined contribution premium online Audio - Dutch Business risks and insurances Complete list - Dutch Business Insurances

Dutch Pension Advice for employers in the Netherlands

Setting up a solid pension scheme requires accurate pension advice, analysis and elaboration. Below you will find an overview of the pension advice activities that you can expect when it comes to guidance and advice in setting up a pension scheme. This dutch pension advice is entirely in accordance with the guidelines of the AFM.

The pension advice route

  1. Pension advice on the type of pension scheme
  2. Choosing the insurer and product
  3. Implementation of the pension scheme

Pension advice choices of type of pension scheme

A crucial part of good pension advice is the assessment of the elements that strongly influence the price of a pension plan. It also determines which pension rights the participants will receive. The employer can indicate which types of insurance must be added.

pension advice

The details

  1. Pension type – Defined Benefit or Defined Contribution or a combination
  2. Cohort premium percentage
  3. Retirement pension schemes;
  4. Financing of survivor’s pension and orphan’s pension;
  5. Indexing of pensions;
  6. Waiver of premium in the event of incapacity for work – disability;
  7. Additional disability cover;
  8. Conditions of the various pension systems.

Calculate pension advice yourself

Pension defined contribution premium online

Assessment of Dutch pension advice

It is nice if the pension scheme does function the way you want as an employer. Basic service of intensive pension service. More or less flexibility. Attention to the costs or more focus to the pension returns. With a good Dutch pension advice, a blueprint is drawn up in accordance to the employer’s wishes.

Some elements:

  • Opinion and wishes of the employer about the pension commitment;
  • The affordability and details of the pension costs;
  • The desired investment risks for the participants;
  • Cost fluctuations in value transfers;
  • Mandatory or voluntary collective labor agreement;
  • Mandatory or voluntary pension scheme;
  • Maximum pension and determination of standard retirement age of 68 years;
  • The Pensions Act and the associated tax legislation;
  • Work and Income Act and Equal Treatment Act;
  • etc.

Choice of insurer and product offers

Every Dutch pension advice includes an extensive professional search for the right pension insurer. Together with extensive indept analyses about the differences in costs and conditions. Both should be part of a solid pension advice.

  • Comparison of conditions;
  • Flexibility;
  • Administrative process;
  • Solvency of the insurer;
  • Profitability of pension accrual;
  • Services and support;
  • Actual interest for the accrual and pension benefit;
  • Cost and return structure;
  • Exit clauses and entry and exit risk.

Pension system & Dutch pension advice audio (in Dutch)

The Pension Building. 10 minutes. Link and download.

Implementation of the pension scheme

  • Drawing up pension regulations and pension agreement;
  • Textual assistance implementation of employment contracts and personal guide;
  • Supervision of administrative activities;
  • Checking pension documents;
  • Explanation of the pension scheme to your staff.
  • Personal Financial assistance for your staff (Additional).

Our Dutch pension advice compensation

We do not receive any pension commission from the insurers. The agreements about the manner of pension advice and the reimbursement are established in advance. It is invoiced afterwards at fixed rate. No unexpected bills. We are independent of pension insurers, so we work 100% for those who pay our bills. As an indication, you can count on a quotation price of € 2,000 to € 5,000. As an employer, you will be fully informed in writing with this pension advice.

Dutch pension advice lost in translation.

Dutch insurers tend to inform you about their insurance information and conditions only in Dutch. The information and documents are not translated due to legal reasons. Doing it this way ensures that the information is not lost in translation. Hopefully you will find a way to read the information with for example Google Translate. Of course I can give you a verbal or written summary if needed.

Example default pension

  • A defined contribution plan based on solid and transparant investment. (example calculation)
  • Plan type is a basic plan for each employee (or for a group of employees).
  • Additional insurance; Partner’s and orphan’s pension and waiver of premium in the event of disability and value transfer insurance.
  • Voluntary supplementary scheme is the additional savings option for the employee.
  • Insure fixed indexation for disability and / or death benefits.
  • Investing in the LifeCycle funds.
  • Employee’s own contribution: 2%
  • The employee always receives online insight into pension accrual via a portal.

Pension management

After this pension advice process you can use pension management for employers. the costs vary from € 10 per month to € 35 per month (up to 50 participants). The price depends on the size of the company’s participant base and the level of service.

Independent

pension advice

Full independence is hard to find in the Dutch pension advice world. There are only a few pension advisers who can provide pension advice completely independently of pension insurers. We have no turnover obligations and we are not part of a pension insurer. Nor are we paid by them. We can provide Dutch pension advice with only one interest in mind; that of the company who will pay our bill: the employer. The only limits that we take into account are the requirements of you as an employer and the requirements of the pension law and the Dutch regulator.

Quotations and premiums

English contact form General (Third party) liability applicationform Hiscox CyberClear Insurance - online premium IT Information Technology liability premium Management Consultancy liability premium Complete list - Dutch Business Insurances

Directeur aansprakelijk? Claim aanvallen en verweer voeren.

Wordt u als directeur aansprakelijk gesteld bij een faillissement, dan loopt hij het risico om zijn privévermogen te verliezen. Bij een directeur gaat het hier niet om een werk-directeur zonder bestuurdersverantwoordelijkheid. Het gaat om die directeuren die bij de Kamer van Koophandel staan ingeschreven als (directeur) bestuurder.

Bestuurdersaansprakelijk premie berekenen BV
directeur aansprakelijk

Bij faillissement is een DGA direct alles kwijt. Z’n sleutel mag hij of zij inleveren bij de curator. Die is de baas. Die gaat dan proberen geld te vinden. En geregeld gaan ze daarbij over (DGA) lijken. Door de DGA af te schilderen als crimineel wordt de druk verhoogd en dat levert een curator al snel een extra geldboom om de crediteuren mee te betalen.

Directeur aansprakelijk in privé is geen loos dreigement

Daarbij is het goed om te weten dat het bijzondere aan rechtspersonen in Nederland is dat zowel een natuurlijk persoon als een niet-natuurlijke rechtspersoon, meestal een BV, als directeur / bestuurder kan optreden. De (bestuurders)aansprakelijkheid bleef beperkt tot het vermogen van deze (niet-natuurlijke) rechtspersoon, meestal een BV. Een nieuwe wet heeft dat daarna voorkomen. Later gevolgd door ook  aansprakelijkheid uit hoofde van onrechtmatige daad toe te voegen.

En dus kunnen tegenwoordig de volgende zaken, met name in faillissementssituaties, leiden tot de aanname van kennelijk onbehoorlijk bestuur en wordt de directeur aansprakelijk gesteld. En dat is een risico voor het privévermogen van de directeur / bestuurder.

[Lees meer…] overDirecteur aansprakelijk? Claim aanvallen en verweer voeren.

Aansprakelijkheid bestuurders schadevoorbeelden

bca verzekering
aansprakelijkheid bestuurders

Door (kennelijk) onbehoorlijk bestuur kunnen bestuurders en commissarissen schade toebrengen aan derden. Steeds vaker worden zij daarvoor persoonlijk aansprakelijk gesteld. Deze aansprakelijkheid van bestuurders is continu in beweging en wordt steeds verder opgerekt door wetgeving en jurisprudentie.

Verzekeraars voor bestuurdersaansprakelijkheid (D&O) in Nederland bieden oplossingen voor het aansprakelijkheidsrisico dat de bestuurder loopt bij het uitvoeren van zijn of haar taak. De nieuwe voorwaarden van de verzekeraars bieden voor bijna alle denkbare financiële aansprakelijkheidsrisico’s die de bestuurder in zijn of haar privé-vermogen loopt. Daarnaast biedt de polis bescherming in de vorm van rechtsbijstand voor een breed scala aan mogelijke acties tegen de bestuurder.

Bestuurdersaansprakelijk premie berekenen BV Bestuurdersaansprakelijk stichting/vereniging

Het aantal claims voor aansprakelijkheid bestuurders neemt elk jaar toe. Met onderstaande schadevoorbeelden en premies kunt u zich een beeld vormen van dit bestuurders- en commissarissen aansprakelijkheid risico.

Audio aansprakelijkheid bestuurders

Schadevoorbeelden

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