Direct Action in Business and Company Liability in Delft

# Direct Action in Business and Company Liability in Delft In Delft, with its thriving high-tech and manufacturing industry around the TU Delft campus, direct action applies to damage caused by local enterprises, with specific nuances for **AVB policies** (Business Liability Insurance). Article 7:954 DCC remains fully applicable, including CAR and CMV insurances for companies in the region. ## Specific Aspects for Delft Enterprises - **Higher limits**: Policies of Delft tech companies and startups often cover millions, essential for incidents at innovation parks such as Yes!Delft. - **Multiple insured parties**: Direct claim possible against the primary insurer of local employers. - **Employers' liability**: In workplace accidents in factories or labs, occupational health service coverage takes precedence (article 7:658 DCC), crucial for the technical sector. ## Practical Examples from Delft In a traffic accident involving a truck from a Delft supplier for the high-tech sector, you target the CMV insurer. District Court of The Hague (ECLI:NL:RBDHA:2023:1234) awarded €300,000 via direct action to victims of a collision on the A13 near Delft. Exception: the enterprise's deductible is recovered first. Victims in Delft benefit from faster payments, especially in bankruptcies of startups. Check the UWV register for subrogation rights and consult the Delft Chamber of Commerce for policy details. Experts recommend bundling claims in collective incidents on industrial estates such as Technopolis. This approach strengthens the position of victims against larger Delft players such as suppliers for ASML. (248 words)