Objective liability insurance for fire and explosion
This insurance covers the sometimes enormous risks of fire or explosion.
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Compulsory insurance
This insurance is compulsory if your organisation uses (rents, leases or owns) a building that is accessible for members, employees or the public, or when they organise activities in the public space where there may be a danger of fire or explosion.
The insurance ensures that victims of any damage don’t have to prove that the organisation has been negligent in any way, in order to claim coverage for their physical injuries.
Not the same as fire insurance
Fire insurance usually only covers damage to buildings and material.
Fire and explosion objective liability insurance also covers physical injury without the victims having to prove that the manager of the building or organiser has been negligent.
Who takes out the insurance?
The insurance is taken out by the person or organisation who manages the building. Sometimes the owner has taken out this insurance, but sometimes the tenant has to take it out.
Make sure you check the lease or rental agreement and whether this risk is adequately covered by the insurance.
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