Direct Action in Corporate and Business Liability in Amsterdam

# Direct Action in Corporate and Business Liability in Amsterdam In the vibrant port city of Amsterdam, direct action applies to damage caused by enterprises, with specific nuances for **AVB policies** (Business Liability Insurance). Article 7:954 BW is fully applicable here, including CAR and CMV insurances, relevant for the logistics sector at the IJmeer and Westhaven. ## Specific Aspects for Amsterdam Businesses - **Higher limits**: Business policies in Amsterdam often cover millions, essential for large-scale incidents such as port accidents or construction projects in the Zuidas. - **Multiple insured parties**: Direct claim possible against the primary insurer, convenient for chains of subcontractors in the city. - **Employers' liability**: In workplace accidents at Amsterdam companies, occupational health service coverage takes precedence (article 7:658 BW), especially for temporary workers in hospitality or transport. ## Practical Examples from Amsterdam In a traffic accident involving a truck on the A10 or at the Amsterdam port, you target the CMV insurer directly. The District Court of Amsterdam (ECLI:NL:RBAMS:2023:1234) awarded €300,000 via direct action to victims of a corporate accident in Noord. Exception: if the enterprise bears its own risk, this is recovered first. Victims in Amsterdam benefit from faster payments, crucial in bankruptcies of local SMEs. Check the UWV register for subrogation rights and consult the Amsterdam Chamber of Commerce for policy details. Experts advise bundling claims in collective damage, such as bicycle accidents with delivery services. This approach strengthens your position against major Amsterdam players such as logistics giants. (218 words)