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Samenvatting verzekering voor ondernemingen
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Samenvatting van de powerpoints van verzekeringen voor ondernemingen. Deel aansprakelijkheid van Meneer Verhaeghe.
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Verzekeringen ondernemingsrisico’s:Aansprakelijkheid
Johan Verhaeghe
Financie- en verzekeringswezen 3e j
AJ 2021-2022
,Inhoudsopgave
Overzichtstabel Risico’s ............................................................................................................................................... 5
1. Inleiding.................................................................................................................................................................... 6
1.1 Risicoanalyse ......................................................................................................................................................6
1.1.1 Aansprakelijkheidsrisico ............................................................................................................................6
1.2 Gelding van het verzekeringscontract in de tijd ................................................................................................8
1.2.1 De ontwikkeling van een schadegeval ......................................................................................................8
1.2.2 Verzekeringsproblematiek ........................................................................................................................9
2. Burgerlijke aansprakelijkheid uitbating ................................................................................................................. 16
2.1 Voorwerp van de dekking ............................................................................................................................... 16
2.1.1 Basis: aansprakelijkheid die voortvloeit uit Art. 1382 ev BW ................................................................ 16
2.1.2 Drie verschillende dekkingen ................................................................................................................. 16
2.1.3 BA uitbating ............................................................................................................................................ 17
2.2 Gedekte schade............................................................................................................................................... 17
2.2.1 Ten gevolge van een gedekt schadegeval .............................................................................................. 17
2.3 Verzekerden .................................................................................................................................................... 18
2.4 Bespreking van bijzondere situaties ............................................................................................................... 18
2.4.1 Schade aan de privéwoning en werken voor rekening van de verzekeringnemer ............................... 18
2.4.2 Schade door ontleend of gehuurd personeel ........................................................................................ 19
2.4.3 Schade aan ontleend of gehuurd personeel .......................................................................................... 19
2.4.4 Schade door onderaannemers ............................................................................................................... 19
2.4.5 Schade door uitgeleende aangestelden ................................................................................................. 20
2.4.6 Schade door uitgeleende dieren en voorwerpen .................................................................................. 21
2.4.7 Schade door brand, vuur of ontploffing, rook, water ............................................................................ 21
2.4.8 Pollutie .................................................................................................................................................... 22
2.4.9 Burenhinder ............................................................................................................................................ 22
2.4.10 Zelfrijdende werktuigen en motorrijtuigen ......................................................................................... 23
2.4.11 Schade aan voertuigen en goederen van het personeel ..................................................................... 23
2.4.12 Diefstal door aangestelden .................................................................................................................. 24
2.5 Verzekeringsgebied ......................................................................................................................................... 25
2.6 Uitsluitingen .................................................................................................................................................... 25
2.7 Verzwaring van het risico ............................................................................................................................... 27
2.8 Verzekerde bedragen ...................................................................................................................................... 27
2.9 Bepaling van de verzekeringspremie .............................................................................................................. 27
2.10 Vrijstelling ..................................................................................................................................................... 28
3. Toevertrouwde goederen...................................................................................................................................... 30
3.1 definitie ........................................................................................................................................................... 30
3.2 Praktijk ............................................................................................................................................................ 30
3.3 Schade aan toevertrouwde goederen ............................................................................................................ 31
3.4 Uitsluitingen .................................................................................................................................................... 32
3.5 Verzekeringsgebied ......................................................................................................................................... 33
3.6 Gedekte schade............................................................................................................................................... 33
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,4. Productaansprakelijkheid en burgerlijke aansprakelijkheid na levering .............................................................. 35
4.1 Probleem ......................................................................................................................................................... 35
4.2 Juridische basis ............................................................................................................................................... 35
4.2.1 Extra contractuele aansprakelijkheid ..................................................................................................... 35
4.2.2 Contractuele aansprakelijkheid .............................................................................................................. 36
4.2.3 Objectieve aansprakelijkheid ................................................................................................................. 42
4.3 Verzekering BA na Levering ............................................................................................................................ 44
4.3.1 Wat dekt de verzekering?....................................................................................................................... 45
4.3.2 Wie zijn de verzekerden? ....................................................................................................................... 46
4.3.3 Wie zijn de derden? ................................................................................................................................ 47
4.3.4 Verzekerbare schade .............................................................................................................................. 47
4.3.5 Territoriale geldigheid ............................................................................................................................ 47
4.3.6 Verzekerd bedrag ................................................................................................................................... 47
4.3.7 Uitsluitingen ............................................................................................................................................ 48
5. Aansprakelijkheid van aannemers en architecten ................................................................................................ 50
5.1 Verzekering voor alle bouwpartners tijdens de bouwperiode........................................................................ 50
5.2 Overlapping met lopende verzekeringen? ...................................................................................................... 50
5.3 Combinatiepolis .............................................................................................................................................. 51
5.4 Verzekeringstermijnen .................................................................................................................................... 51
5.5 Zaakverzekering .............................................................................................................................................. 52
5.6 Aansprakelijkheid ............................................................................................................................................ 52
5.7 Uitsluitingen .................................................................................................................................................... 53
6. Objectieve aansprakelijkheid voor brand en ontploffing ..................................................................................... 54
6.1 Welke inrichtingen zijn verplicht om deze verzekering af te sluiten? ............................................................ 54
6.2 Bewijslast ........................................................................................................................................................ 54
6.3 Rechtstreekse vordering ................................................................................................................................. 54
6.4 Te verzekeren bedragen ................................................................................................................................. 54
6.5 Uitgesloten begunstigden ............................................................................................................................... 55
6.6 Vrijstelling ....................................................................................................................................................... 55
6.7 Attest ............................................................................................................................................................... 55
7. Beroepsaansprakelijkheid...................................................................................................................................... 56
7.1 Probleemstelling ............................................................................................................................................. 56
7.2 Definitie ........................................................................................................................................................... 56
7.3 Structuur van de verzekeringen ...................................................................................................................... 57
7.4 Schade ............................................................................................................................................................. 57
7.5 Wie is verzekerd? ............................................................................................................................................ 58
7.6 Totstandkoming van het contract .................................................................................................................. 58
7.7 Premiebepaling ............................................................................................................................................... 58
7.8 Vrijstellingen ................................................................................................................................................... 58
7.9 Voorbeelden .................................................................................................................................................... 59
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,8. Aansprakelijkheid van vrijwilligers ........................................................................................................................ 60
8.1 Vrijwilliger ....................................................................................................................................................... 60
8.2 Wie mag vrijwilliger zijn.................................................................................................................................. 60
8.3 Aansprakelijkheid ............................................................................................................................................ 60
8.4 Verzekering ..................................................................................................................................................... 61
9. Aansprakelijkheid maatschappelijke lasthebbers ................................................................................................. 62
9.1 Soorten rechtspersonen .................................................................................................................................. 62
9.2 Soorten vennootschappen en verenigingen ................................................................................................... 62
9.3 Organieke structuur van een vennootschap en een vereniging ..................................................................... 63
9.4 Rechtspersonen kunnen zelf geen handelingen stellen.................................................................................. 64
9.5 Beperkingen van de aansprakelijkheid ........................................................................................................... 65
9.6 Indien de lasthebber zich niet aan zijn opdracht heeft gehouden ................................................................. 65
9.7 Indien de bestuurder een handeling heeft gesteld die aan derden schade heeft toegebracht ..................... 65
9.8 Inhoud van de verzekering .............................................................................................................................. 66
9.8.1 Verzekeringsnemer................................................................................................................................. 66
9.8.2 Verzekerden ............................................................................................................................................ 66
9.8.3 Verzekeringswaarborg ............................................................................................................................ 66
9.8.4 Niet gedekt ............................................................................................................................................. 67
9.8.5 Premiebepaling ....................................................................................................................................... 67
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, Overzichtstabel Risico’s
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