What is AVB insurance?
The insurance that matters most of all, and the easiest one to forget to ask about.
AVB stands for aansprakelijkheidsverzekering voor bedrijven — business liability insurance. It's what covers a tradesperson if their work causes real damage: a drilled pipe that floods a floor, a dropped tool that cracks a tile, a wiring mistake that trips the whole building's fuse box.
Without it, if something goes wrong, you'd be relying entirely on that one person's personal ability to pay for the damage out of pocket — which, for a one-person business (see: ZZP'er), can mean nothing happens at all.
Why this matters more than it sounds like it should
Most of the time nothing goes wrong, which is exactly why this check gets skipped — right up until the one time it does. A €45/hour painting job and a €4,500 water damage claim are not the same category of risk, and AVB is the only thing standing between those two numbers if a mistake happens inside your home.
How Klussen Fixer uses this
Every klusser uploads proof of their AVB policy during sign-up, reviewed by an admin alongside their KvK registration before the account is approved. It's one of exactly two documents checked before anyone is allowed to send a quote on the platform — on purpose, because it's the one that actually matters if something breaks.
Related reading
Ready to get help with your home?
Post your job for free and compare quotes from KvK-verified, English-speaking klussers.