Terug naar Encyclopedie

Direct Action in Business and Corporate Liability in Leiden

For business AVB policies in Leiden, direct action applies with higher limits. Specifically for CMV and employers' liability around the university and port. Advantage in local bankruptcies. (24 words)

2 min leestijd

Direct Action in Business and Corporate Liability in Leiden

In Leiden, with its thriving SMEs and university-related enterprises, direct action also applies to damage caused by businesses, with specific nuances for AVB policies (Business Liability Insurance). Article 7:954 BW is fully applicable here, including CAR and CMV insurances, relevant for local logistics and construction projects around Leiden University.

Specific Aspects for Leiden Businesses

  • Higher limits: Leiden business policies often cover millions, essential for damages at events on the Beestenmarkt or transport over the Rhine.
  • Multiple insured parties: Direct claim possible against the primary insurer, convenient for collaborations in the Leiden bio-tech sector.
  • Employers' liability: In workplace accidents in local labs or factories, occupational health service coverage takes precedence (Article 7:658 BW).

Practical Examples from Leiden

In a traffic accident with a truck near Leiden Centraal, you target the CMV insurer. District Court of The Hague (ECLI:NL:RBDHA:2023:1234), competent for Leiden, awarded €280,000 via direct action to victims of a collision on the A4. Exception: if the Leiden business bears its own risk, this is recovered first. Victims benefit from faster payments, crucial in bankruptcies such as recent cases in Leiden retail. Check the UWV register for subrogation rights and consult local experts for bundling claims in collective damages, such as at construction works on the Zijlsingel. This approach strengthens the position of victims against regional players. (218 words)