Third Party Liability & Traffic Accidents Insurance
You are insured for damage that your employee causes to a third party with the e-bike, as well as for personal injury of the employee themselves. In short: as an employer, you enjoy excellent risk coverage for your company and for your employees.
Civil Liability coverage
You are insured for damage that an employee causes to a third party as driver of the e-bike and for which the employer can be held liable.
This damage is excluded from the Business Liability Insurance (Bedrijfsaansprakelijkheidsverzekering, AVB). Why is this excluded? The e-bike is seen as a motor vehicle and any damage caused to third parties by a motor vehicle is excluded from the AVB.
Traffic Accidents insurance
The employee is insured for permanent injury or death caused by a traffic accident with the e-bike and will be paid a compensation amount for this.