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Common misconceptions about liability law

Mr. Vincent BestersDecember 22, 2025
Common misconceptions about liability law

Many misconceptions exist around liability law. These can lead entrepreneurs to take unnecessary risks or act incorrectly in a conflict.

"With a BV I am always protected"

This is a persistent misconception. Although a BV provides protection, a director can still be held personally liable in cases of seriously culpable conduct.

"My insurance covers everything"

Insurance policies have limitations, exclusions and deductibles. Moreover, they often do not cover purely contractual disputes.

"Without a contract I am not liable"

Even without a contract, liability can exist, for example in case of an unlawful act or hazardous conduct.

"Liability can always be excluded"

Not all liability can be excluded. Legal limits and reasonableness and fairness play a major role in this.

Why these misconceptions are dangerous

Entrepreneurs who rely on incorrect assumptions run the risk of being confronted unprepared with claims. The main risks are:

  • ✓ Insufficient legal protection in advance
  • ✓ Incorrect assessment of liability risks
  • ✓ Ill-considered responses to liability claims
  • ✓ Missed opportunities to limit liability

Conclusion

Liability law is a daily reality for entrepreneurs. By knowing the risks, having contracts in order and seeking legal advice in time, you prevent costly proceedings.

Doubts about your liability position?

Do you have doubts about your liability position or do you recognize these misconceptions? Get advice from a specialist.

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