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Liability insurance is valuable, but it is no substitute for good general terms and conditions. Your terms and conditions cover much more than liability — and it is precisely by contractually limiting your liability that you keep your claims and premiums manageable.
Insurance does not cover everything
Liability insurance offers protection, but it has limits: a deductible, exclusions, maximum coverage amounts, and conditions you must meet. Moreover, your premium increases if you claim frequently. Insurance covers the consequences, but does not prevent liability.
General terms and conditions limit liability in advance
In your general terms and conditions, you limit liability within legal limits, for example to the invoice amount, and exclude indirect damages. By doing so, you reduce the claim facing you (and your insurer). This keeps your risk and premium manageable — something insurance alone does not do.
Terms and conditions regulate much more than liability
Your general terms and conditions go beyond liability: payment terms and interest, delivery times, retention of title, force majeure, intellectual property, and disputes. Insurance offers no solution for any of these subjects. Without terms and conditions, you fall back on the statutory standard, which often turns out to be less favorable.
Insurance and terms and conditions, strong together
The best protection is the combination: good general terms and conditions that cover and limit your risks in advance, with appropriate insurance that covers the rest. One does not replace the other.
Frequently Asked Questions
Do I still need general terms and conditions if I am insured?
Yes. Insurance does not cover everything and has an excess and exclusions. Terms and conditions limit your liability in advance and regulate much more.
What do general terms and conditions regulate besides liability?
Including payment and interest, delivery times, retention of title, force majeure, intellectual property and disputes.
Do the terms and conditions help my premium?
Indirectly, yes: by limiting your liability, you reduce claims, which keeps your risk and premium manageable.
Ensure you are well covered for your liability?
Our legal experts draft strong general terms and conditions and perform a terms and conditions scan. View our contract lawteam or schedule a free consultation.
