With Professional/ Business Liability Insurance (AVB) you are insured against the risk of liability when you, your employees, or your products cause damage to others. You may then be liable.

Professional  /business liability  concerns  damage  that you or your employees, company, products or services cause to others. With  professional liability,  the damage is always directly related to your profession. You make a professional error that causes damage.

With Professional Liability, you are responsible for the consequences of errors in your work or the work of your employees. And business liability occurs if you or one of your employees causes damage or injury to persons, resulting in financial consequences.