Liability, damage and insurance

Liability arising from tort

Lawyers and legal experts in liability law

Have you suffered damage from or caused to another party without a contract? Our lawyers and (corporate) legal experts advise on and litigate matters concerning non-contractual liability (Article 6:162 of the Dutch Civil Code) – from international corporations to the baker on the corner.

  • We worked for, among others:
  • MKBjuristen.nl partner
  • MKBjuristen.nl partner
  • MKBjuristen.nl partner
  • MKBjuristen.nl partner

Liability arising from tort

The unlawful act is also referred to as extra-contractual liability. In principle, civil law grants anyone who suffers damage due to the conduct of another a right to claim compensation for that damage. The unlawful act has a number of conditions, namely:

  • The conduct (acting or failing to act) must be unlawful
  • The unlawful act must be attributable to the perpetrator
  • There must be damage
  • There must be a causal link between the conduct and the damage

We have the knowledge and expertise to assume diverse roles: from advice to dispute resolution. We have an experienced team of lawyers and legal experts in the field of liability law. Contact us to discuss the possibilities.

The five requirements of a tort (Article 6:162 of the Dutch Civil Code)

The legal basis for non-contractual liability is found in Article 6:162 of the Dutch Civil Code. Anyone who commits an unlawful act against another that can be attributed to him is obliged to compensate the damage suffered by the other as a result. In case law and literature, five requirements are distinguished that must all be fulfilled before a claim succeeds:

  • Unlawfulness – an infringement of a right, an act or omission contrary to a statutory duty, or conduct contrary to what is proper in social interaction according to unwritten law (the standard of care).
  • Attributability – the act must be capable of being attributed to the perpetrator, on the basis of fault or on the basis of a cause that is for his account pursuant to the law or generally accepted views.
  • Damage – actual damage must have been suffered (financial loss or other disadvantage).
  • Causal link – there must be a causal link between the conduct and the damage.
  • Relativity – pursuant to Article 6:163 of the Dutch Civil Code, there is no obligation to pay compensation when the violated norm does not extend to protection against the damage as suffered by the injured party.

If one of these requirements is missing, the claim fails. For both an international corporation and the baker on the corner, it therefore pays to have it assessed early on whether all elements are demonstrable. Our lawyers and in-house counsel map out this analysis in detail, from both the perspective of the injured party and the defendant.

Grounds for justification: when is conduct not unlawful after all?

In itself harmful conduct is not unlawful if a ground for justification exists. Examples include self-defense, force majeure, a statutory provision, a valid official order, or consent from the injured party. Anyone being sued would do well to investigate whether such a ground removes the unlawfulness. Invoking a ground for justification is often the difference between full liability and no liability; a careful legal assessment is decisive in this regard.

Strict liability: liable without fault of one's own

In addition to the fault-based liability under Article 6:162 of the Dutch Civil Code, the law recognizes a range of strict liabilities: cases in which one is liable without contributory negligence needing to be established. The Civil Code regulates, among other things:

  • liability for subordinates and non-subordinates (Articles 6:170 and 6:171 of the Dutch Civil Code);
  • liability for defective goods and structures (Articles 6:173 and 6:174 of the Dutch Civil Code);
  • liability for animals (Article 6:179 of the Dutch Civil Code);
  • product liability (Article 6:185 et seq. of the Dutch Civil Code).

This is relevant for entrepreneurs: an employer or company can be held liable in this way for damage caused by personnel, company assets, or products. We assess which regime applies and which defenses are available.

Contributory negligence and damage mitigation

Even if the unlawful act has been established, the full amount of the damage does not always have to be compensated. Pursuant to Article 6:101 of the Dutch Civil Code (contributory negligence), the obligation to compensate is reduced when the damage is partly the result of a circumstance attributable to the injured party. In addition, the injured party has an obligation to mitigate their damage. These legal doctrines often provide the party being sued with scope to significantly reduce the compensation.

Compensation for unlawful act

If the claim is successful, there is a right to compensation pursuant to Section 6.1.10 of the Dutch Civil Code (Article 6:95 et seq.). Compensation is due for both pecuniary damage suffered (such as incurred loss and lost profits) and – in cases designated by law – other disadvantage, such as non-pecuniary damage. In practice, the extent of the damage and the method of assessment are often the focal point of the dispute. The settlement of damages and the substantiation of a claim are discussed in more detail on our page Damages & Compensation Claims.

Statute of limitations: don't wait too long

A claim arising from a tortious act is subject to a statute of limitations. Pursuant to Article 3:310 of the Dutch Civil Code, a limitation period of five years applies from the date the injured party became aware of the damage and the liable person, with an absolute term of, in principle, twenty years following the damage-causing event. Anyone who waits too long risks the claim becoming unenforceable. Timely interruption and action are therefore essential; we monitor the time limits and draft a letter to interrupt the limitation period where necessary.

Tort, contract and liability insurance

Non-contractual liability rarely stands alone. It often runs parallel to contractual liability or plays a role in professional liability , directors' and officers' liability , or employer's liability . Furthermore, general liability insurance is of great importance to entrepreneurs : it can provide coverage for damage caused to third parties by a wrongful act. We assess not only the legal position but also whether and how the insurance should be engaged.

Our approach: from the baker on the corner to the international corporation

MKB Juristen works with mixed teams of lawyers and (corporate) legal counsel who have mastered the full scope of liability law. Whether you have suffered damage yourself due to the unlawful actions of another, or are being sued, we assume diverse roles: from advice and negotiation to conducting litigation. Our clients range from international corporations and listed companies to (semi-)governmental bodies and the small business owner around the corner. This expertise is part of our broader Liability, Damages and Insurance.

Frequently asked questions about liability arising from tort

What is the difference between tort and breach of contract?

A tort (Article 6:162 of the Dutch Civil Code) is extra-contractual: it arises without an agreement existing between the parties. Breach of contract, on the other hand, presupposes a failure to perform an existing agreement. Sometimes both legal bases coincide; we assess which route offers the strongest position.

What damages am I entitled to in the event of a wrongful act?

You may claim compensation for your pecuniary damage (suffered loss and lost profits) and, in the cases designated by law, for non-pecuniary damage. The extent must be substantiated and estimated.

Within what timeframe must I submit a claim?

In principle, a claim arising from a tortious act lapses five years after you become aware of both the damage and the liable party (Article 3:310 of the Dutch Civil Code). Therefore, do not wait too long and ensure the time limits are monitored in a timely manner.

Can I also be held liable without being at fault?

Yes. In the case of strict liability (for example, for personnel, defective goods, or products), you may be held liable without your own fault being established. It is then important to investigate which defenses and insurance coverage are available.

Mr. Jaime Boogaers
Mr. Jaime Boogaers
Corporate Law · Lawyer

In specialized legal cases, it is not just about the legal rule. It is also about evidence, timing, negotiating position, and the business implications of every step.

What we help with

We assist entrepreneurs and organizations with legal questions where careful assessment, strategy, and execution are important.

  • Assessment of your legal position
  • Analysis of contracts, decisions, correspondence, and supporting documents
  • Advice on liability, defense, and strategy
  • Drafting or reviewing legal correspondence
  • Negotiation with counterparty, trustee, shareholder or advisor
  • Guidance during escalation, proceedings, or settlement

When should you call in a specialist?

Legal assistance is particularly valuable when the stakes are high, deadlines are running, or when an incorrect response could weaken your position.

  • There is a claim, demand, or notice of liability
  • You are unsure whether to respond, negotiate, or litigate
  • There are major financial or reputational risks
  • The other party exerts pressure or uses short deadlines
  • You want to prevent a response from being used against you later
  • You want to know in advance what is legally and commercially sound

Assess first, then respond

In specialized cases, an initial response can be decisive for the subsequent course of action. An admission, incomplete explanation, or the wrong tone could be used against you later. Therefore, we first assess exactly what is being alleged, which facts have been established, which documents are missing, and which strategy aligns with your best interests.

Our approach

You will not receive an abstract legal account, but a practical assessment of your position, risks, and next steps.

01

Intake and initial assessment

We will briefly discuss the situation, the available documents, and your primary interests.

02

Analysis of position and risks

We assess your legal position, supporting documents, deadlines, and possible next steps.

03

Strategic advice

You will receive concrete advice on the best course of action: responding, negotiating, settling, or litigating.

04

Execution

We assist with correspondence, negotiation, litigation strategy, or further legal assistance.

Specialists for entrepreneurs

We combine legal analysis with practical experience in cases for entrepreneurs, directors, and organizations.

All our legal experts and lawyers possess broad knowledge of liability, damages, and insurance. In addition, they have specialized in one or more areas of focus within private law. We have organized several areas of focus into various practice groups. Each lawyer is part of one or more practice groups based on his or her specialism(s). Clients can go directly to the appropriate practice group for each case. Here, they are assisted by the lawyer or legal expert most suitable for the case. Where necessary, we draw upon the expertise and experience of our specialist colleagues from other practice groups.

Frequently Asked Questions

Frequently asked questions about liability arising from tort.

When is legal advice advisable?

Legal advice is wise as soon as pressure arises, deadlines are running, an opposing party takes a position, or when the financial or strategic interests are significant.

Can MKB Juristen also help if there is already a conflict?

Yes. We assess your legal position, advise on strategy, and can assist with correspondence, negotiation, defense, or further legal steps.

How much does specialist legal advice cost?

Specialist advice is provided on an hourly basis in principle. Where possible, we provide clarity in advance regarding the expected approach, costs, and next steps.

Can I have a no-obligation consultation first?

Yes. You can request a free consultation. We will briefly discuss your situation and indicate which course of action is likely the sensible one.

Held liable or suffered damage yourself?

Contact our lawyers and legal experts without obligation to discuss your position regarding a tort.

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Jaime Boogaers

Want to know more about our services?
Then contact our specialists.

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SME Lawyers at the Chamber of Commerce Source: Chamber of Commerce 2019
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