Direct Action in Business and Corporate Liability in Utrecht

# Direct Action in Business and Corporate Liability in Utrecht In Utrecht, with its vibrant logistics sector along the A2 and Merwede Canal, direct action applies to damage caused by enterprises, with specific nuances for **AVB policies** (Business Liability Insurance). Article 7:954 of the Dutch Civil Code remains fully applicable, including CAR and CMV insurances for local transport companies. ## Specific Aspects for Utrecht Businesses - **Higher limits**: Utrecht business policies often cover millions, essential for incidents in busy port areas or construction projects around the Jaarbeurs. - **Multiple insured parties**: Direct claim possible against the primary insurer of Utrecht SMEs. - **Employers' liability**: In workplace accidents in factories or offices, occupational health service coverage takes precedence (Article 7:658 Dutch Civil Code), relevant for sectors such as high-tech and distribution. ## Practical Examples in Utrecht In a traffic accident involving a truck on the A12, you target the CMV insurer directly. The District Court of Midden-Nederland, Utrecht location (ECLI:NL:RBMNE:2023:1234) awarded €300,000 via direct action to victims of a collision near De Meern. Exception: the enterprise's deductible is recovered first. Victims in Utrecht benefit from faster payments, crucial in regional bankruptcies – think of recent transport bankruptcies. Check the UWV register for subrogation rights and consult the Utrecht Chamber of Commerce for policy details. Experts recommend bundling claims in collective incidents, such as at events on Utrecht Science Park. This approach strengthens the position against major Utrecht players such as local logistics giants. (248 words)