Making High Risk Occupations More and More Difficult to Ensure

People with a high-risk occupation may increasingly purchase insurance against damage or liability. This is what the professional association of financial advisers, Adfiz,

says. Because of the problems, people are less and less secure, especially in the taxi sector and recycling companies, says Enno Wiertsema. According to him, it is not only because they find no insurer, but also because of high premiums or limited coverage.

Financieele Dagblad reported that roofers, taxi drivers, ranchers and midwives found it difficult to find insurance. can close.

The Dutch Association of Insurers has noticed this too, but sees no trend. Nevertheless, the professional association says that with a variety of occupational groups, a solution is sought to keep costs manageable. According to the union, agreements have already been concluded with waste treatment companies and roofers

Competition

According to Wiertsema of Adfiz, competition between insurers is also required, including from foreigners. In addition, he said, insurers should be more accountable for their responsibilities. This could be organizations of employers and politics. The government could help through less stringent regulation.

But the Dutch Association of Insurers believes that there is sufficient competition. According to the alliance, the insurance problems of risky professions are varied. For midwives, for example, the premium has gone up because more and more are being asked by patients if something goes wrong. Insurers also argue that, according to the new European rules, they must hold more capital.

The auto insurance is not profitable

The latter also confirms Ron Gardenier, president of the Dutch Association of Insurance Companies approved. This association represents three billion euros in premiums and members can take out insurance on behalf of insurers via consultants who work for a client.

According to Mr. Gardenier, the insurance of commercial vehicle fleets and the rental market are particularly important. According to Gardenier, this market has not been profitable for years. In addition, insurers must maintain capital through the new European rules. "It weighs right now that you suffer from a loss of one year on these insurances."

According to him, the business car market is harder to secure because the ever better technology in the car leads to higher claims. In addition, tuition fees have been increased and compensation for injuries that can no longer be cared for has increased due to the increase in the age of retirement. "The only solution is to increase premiums and see how to reduce damage costs," says Gardenier.

The recycling and agriculture sector is difficult to secure

According to Adfiz, there are also difficulties in insuring agricultural enterprises. This confirms Cumela Verzekeringen, specializing in insurance for businesses in the green, field and infrastructure. Cumela subscribes to insurance policies from other insurers. This is becoming increasingly difficult for some sectors. According to director Ralph de Hart, there are insurers who no longer subscribe to non-life insurance policies for agricultural businesses.

Recycling companies are also virtually uninsurable. For example, Cumela failed to obtain a new building hall containing a crusher while she was a well-known contractor

. According to De Hart, companies that cut and recycle green also suffer from uninsurability. He expects a lot more problems with companies active in the recycling or maintenance of public green spaces. In De Hart's view, insurers must be aware of their social responsibility

. The Dutch Association of Insurers stresses that insurers have no obligation to accept and that "the sector has suffered a lot and insurers are critically watching the portfolio".