{"id":1018,"date":"2026-08-16T09:00:00","date_gmt":"2026-08-16T09:00:00","guid":{"rendered":"https:\/\/declaer.com\/product-liability-your-file-determines-your-coverage\/"},"modified":"2026-08-21T14:52:15","modified_gmt":"2026-08-21T14:52:15","slug":"product-liability-your-file-determines-your-coverage","status":"publish","type":"post","link":"https:\/\/declaer.com\/en\/product-liability-your-file-determines-your-coverage\/","title":{"rendered":"Product liability: your file determines your coverage"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"wat\">What product liability is<\/h2>\n\n<p class=\"cap wp-block-paragraph\">Product liability is strict liability. If a defective product causes damage, the manufacturer is liable for it, regardless of whether they are at fault. In the Netherlands, this rule is set out in Article 6:185 of the Civil Code, which is based on European legislation.  <\/p>\n\n<p class=\"wp-block-paragraph\">This is a different regime than ordinary breach of contract. The injured party does not need to prove negligence, only the defect, the damage, and the causal link between them. Your diligence is therefore no defense; your product determines the outcome.  <\/p>\n\n<p class=\"wp-block-paragraph\">Liability insurance covers this risk. The premium usually depends on your turnover and your industry. The coverage depends on what is stated in the policy.  <\/p>\n\n<h2 class=\"wp-block-heading\" id=\"nieuw\">What changes as of December 9, 2026<\/h2>\n\n<p class=\"cap wp-block-paragraph\">Directive (EU) 2024\/2853 replaces the 1985 regulation. The old directive will be repealed effective December 9, 2026, but remains applicable to products placed on the market before that date. Member States must transpose the new rules by that date at the latest.  <\/p>\n\n<p class=\"wp-block-paragraph\">Consequently, two regimes will exist side by side, separated by the date the product was placed on the market. For your file, this means: record when a product was first placed on the market, as that determines which law applies. <\/p>\n\n<p class=\"wp-block-paragraph\">Furthermore, the directive was drafted with a view to products that have become technically more complex. One of the reasons was that injured parties have difficulty gathering evidence in the case of new technology. <\/p>\n<div class=\"declaer-block dc-kader let\">\n\t<b>Record the date of placement on the market<\/b>\n\t<p>In the future, this date will determine which regime a claim falls under. Therefore, register per article number when the product first came onto the market. Keep that date with the file. This is a small administrative step with significant consequences in the event of a dispute.   <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\" id=\"software\">Software is now considered a product<\/h2>\n\n<p class=\"cap wp-block-paragraph\">The directive clarifies that software is a product for the purposes of strict liability. This applies regardless of the method of delivery or use, whether the software is on the device, available via a network, or provided from the cloud. <\/p>\n\n<p class=\"wp-block-paragraph\">Mentioned are, among others, operating systems, firmware, computer programs, applications, and artificial intelligence systems. Software integrated as a component in another product is also covered. <\/p>\n\n<p class=\"wp-block-paragraph\">If you sell a device with an app or firmware that you have developed, this is no longer a marginal issue in your file. A defect in that software can lead to the same liability as a defect in the housing. <\/p>\n\n<h2 class=\"wp-block-heading\" id=\"dekking\">Why your file determines your coverage<\/h2>\n\n<p class=\"cap wp-block-paragraph\">In the event of a claim, your insurer assesses not only the damage but also your documentation. If it proves to be incomplete or invalid at the time of the loss, they may refuse coverage. The premium you have been paying for years does not change that.  <\/p>\n\n<p class=\"wp-block-paragraph\">This makes the file more than just an obligation to the regulator. It is also the piece of evidence with which you demonstrate to your insurer that you placed the product on the market lawfully. <\/p>\n\n<p class=\"wp-block-paragraph\">The practical test is simple. Could you, today and without preparation, provide the declaration, the file, and the test reports for your best-selling product? If not, your coverage is less certain than your policy suggests.  <\/p>\n<div class=\"declaer-block dc-vraagblok vraag\" id=\"vraagblok\" id=\"vraagblok\">\n\t<h3>Is your file resistant to a claim?<\/h3>\n\n\t\t\t<p class=\"intro\">Briefly let us know which product is involved. We will contact you regarding what we can do and the associated costs. <\/p>\n\t\n\t\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f828-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"828\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/en\/wp-json\/wp\/v2\/posts\/1018#wpcf7-f828-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"828\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.7\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f828-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/fieldset>\n<div class=\"fields\">\n\t<div class=\"f\">\n\t\t<p><label for=\"fprod\">What is it about?<\/label><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"product\"><textarea cols=\"40\" rows=\"3\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea wpcf7-validates-as-required\" id=\"fprod\" aria-required=\"true\" aria-invalid=\"false\" name=\"product\"><\/textarea><\/span>\n\t\t<\/p>\n\t\t<p class=\"hint\">If it concerns a product, briefly mention what it is and what it does.\n\t\t<\/p>\n\t<\/div>\n\t<div class=\"f\">\n\t\t<p><label for=\"ftel\">Phone number <span class=\"opt\">(optional)<\/span><\/label><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"telefoon\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-text wpcf7-validates-as-tel\" id=\"ftel\" autocomplete=\"tel\" aria-invalid=\"false\" value=\"\" type=\"tel\" name=\"telefoon\" \/><\/span>\n\t\t<\/p>\n\t\t<p class=\"hint\">Only fill this in if you prefer to be called.\n\t\t<\/p>\n\t<\/div>\n<\/div>\n<div class=\"wpcf7-turnstile cf-turnstile\" data-sitekey=\"0x4AAAAAAEXslTtRW_5QjcKe\" data-response-field-name=\"_wpcf7_turnstile_response\"><\/div>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner btn btn-primary\" type=\"submit\" value=\"Send my question\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\" id=\"wie\">Who can be held liable<\/h2>\n\n<p class=\"cap wp-block-paragraph\">Not just the factory. Anyone selling a product under their own brand is considered a manufacturer. The importer who brings the product into the Union can also be held liable. Your position in the supply chain determines your risk, not the question of who actually made the product.   <\/p>\n\n<p class=\"wp-block-paragraph\">For private labels and imports, that is the decisive point. You are not just buying stock; you are buying the liability along with it. The price of the product says nothing about the extent of that risk.  <\/p>\n\n<h2 class=\"wp-block-heading\" id=\"fout\">What goes wrong in practice<\/h2>\n\n<p class=\"cap wp-block-paragraph\">We encounter three situations most frequently: a policy that runs for years without the documentation ever being tested; a file that still refers to an older version of the product; or a declaration of conformity that does not name all applicable legislation.   <\/p>\n\n<ul class=\"wp-block-list\">\n\n<li><b>Documentation never tested.<\/b> You pay a premium for coverage where the condition has not been verified.<\/li>\n\n\n<li><b>File lags behind the product.<\/b> After a design change, the evidence refers to a version you no longer sell.<\/li>\n\n\n<li><b>Incomplete declaration.<\/b> If an applicable act is missing, you are declaring less than you are selling.<\/li>\n\n\n<li><b>Software overlooked.<\/b> Firmware and apps will explicitly belong to the product as of December 2026.<\/li>\n\n<\/ul>\n\n<h2 class=\"wp-block-heading\" id=\"doen\">What you need to arrange<\/h2>\n\n<p class=\"cap wp-block-paragraph\">Test your documentation before you need it. Take your three best-selling products and check whether the declaration, the file, and the reports match what is currently in the box. Then, record for each article when it was first placed on the market.  <\/p>\n\n<ol class=\"wp-block-list\">\n\n<li>Check for each top product whether the declaration, file, and test reports are up to date and belong together.<\/li>\n\n\n<li>Register the date of first placement on the market per article number.<\/li>\n\n\n<li>Identify which products contain software or firmware and who supplies them.<\/li>\n\n\n<li>Read in your policy which conditions are set for documentation.<\/li>\n\n\n<li>Schedule a fixed time each year to compare the file against the current product.<\/li>\n\n<\/ol>\n\n<p class=\"wp-block-paragraph\">For the insurance aspect itself, we refer you to your own advisor. We assess the documentation on which that coverage is based. <\/p>\n<div class=\"declaer-block dc-artikel-verder verder\">\n\t<div class=\"k\">Further reading<\/div>\n\t<div class=\"verder-l\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/declaer.com\/wat-moet-er-in-mijn-technisch-dossier\/\">\n\t\t\t\t<div>\n\t\t\t\t\t<div class=\"on\">Technical File<\/div>\t\t\t\t\t<div class=\"tl\">What should be in a technical file?<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<span class=\"go\" aria-hidden=\"true\">&rarr;<\/span>\n\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/declaer.com\/conformiteitsverklaring-wat-is-het-eigenlijk\/\">\n\t\t\t\t<div>\n\t\t\t\t\t<div class=\"on\">Declaration<\/div>\t\t\t\t\t<div class=\"tl\">The Declaration of Conformity Explained<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<span class=\"go\" aria-hidden=\"true\">&rarr;<\/span>\n\t\t\t<\/a>\n\t\t\t<\/div>\n<\/div>\n<div class=\"declaer-block dc-artikel-dienst adienst\">\n\t\t<span class=\"ae-vlak\" aria-hidden=\"true\"><svg viewBox=\"0 0 480 246\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M115.316 1.01978C135.658 1.01978 151.512 4.90926 162.879 12.6868C174.246 20.1651 183.071 30.1857 189.353 42.7493V5.95533H249.479V33.0754C243.459 39.9242 238.222 47.381 233.794 55.4485L233.768 55.4944L233.744 55.5383C222.618 76.1682 217.258 98.5011 217.636 122.296C217.866 146.061 224.267 168.706 236.591 190.051C240.5 196.823 244.797 203.159 249.479 209.052V239.281H190.699V201.142C184.417 214.304 175.443 224.923 163.776 232.999C152.409 241.076 136.256 245.115 115.316 245.115C94.0779 245.114 74.6343 239.73 56.9854 228.961C39.6356 217.893 25.7256 203.236 15.2559 184.989C5.08526 166.442 0 145.951 0 123.516C1.05102e-05 106.765 2.99109 91.06 8.97363 76.4026C14.9563 61.4458 23.1826 48.4325 33.6523 37.3645C44.1221 25.9974 56.2378 17.1737 69.998 10.8919C84.0573 4.31094 99.1632 1.01982 115.316 1.01978ZM125.188 55.762C112.326 55.762 100.958 58.903 91.0869 65.1848C81.5146 71.1675 74.0358 79.2437 68.6514 89.4143C63.2669 99.5849 60.5752 110.803 60.5752 123.068C60.5753 134.734 63.267 145.802 68.6514 156.272C74.0358 166.442 81.5147 174.668 91.0869 180.949C100.958 187.231 112.326 190.372 125.188 190.372C138.649 190.372 150.166 187.381 159.738 181.399C169.61 175.117 177.238 166.891 182.622 156.72C188.007 146.549 190.699 135.481 190.699 123.516C190.699 111.251 188.006 100.034 182.622 89.8635C177.238 79.693 169.61 71.4667 159.738 65.1848C150.166 58.903 138.649 55.762 125.188 55.762Z\" fill=\"currentColor\"\/><path d=\"M249.479 185.145C249.105 184.518 248.734 183.888 248.367 183.252C237.15 163.823 231.439 143.46 231.232 122.163C230.877 100.608 235.704 80.5505 245.713 61.9915C246.901 59.8265 248.157 57.7096 249.479 55.6389V185.145Z\" fill=\"currentColor\"\/><path d=\"M413.921 228.597C393.197 240.563 372.166 246.315 350.83 245.853C329.493 245.392 309.859 239.802 291.927 229.085C274.105 217.959 259.585 202.682 248.367 183.252C237.15 163.823 231.439 143.46 231.232 122.163C230.877 100.608 235.704 80.5505 245.713 61.9915C255.981 43.2826 271.219 28.0945 291.426 16.4282C311.632 4.76197 332.145 -0.690843 352.963 0.0698457C374.041 0.680961 393.565 6.67901 411.537 18.064C429.618 29.0403 444.268 44.2432 455.485 63.6726C457.13 66.5223 458.721 69.5762 460.257 72.8345C461.792 76.0928 463.273 79.5554 464.7 83.2223L313.539 170.495C323.269 180.766 334.577 187.191 347.463 189.768C360.609 192.195 373.787 189.595 386.999 181.967C398.398 175.386 406.746 167.112 412.045 157.144C417.603 147.027 420.469 136.737 420.645 126.273L479.171 133.415C478.469 150.745 472.405 168.062 460.98 185.366C449.555 202.67 433.869 217.081 413.921 228.597ZM316.673 61.9532C304.238 69.1324 295.786 79.021 291.315 91.619C286.845 104.217 286.699 117.427 290.879 131.248L390.747 73.5893C381.465 64.095 369.973 57.9499 356.269 55.1539C342.825 52.2084 329.626 54.4748 316.673 61.9532Z\" fill=\"currentColor\"\/><\/svg><\/span>\n\t\t<div class=\"adienst-in\">\n\t\t<p class=\"adienst-kop\">Test your file before it counts<\/p>\n\t\t<p>We check whether your declaration, file, and reports match the product you are selling today. We supplement what is missing. Fixed price in advance.  <\/p>\n\t\t<a href=\"https:\/\/declaer.com\/en\/our-services\/\" class=\"btn btn-onink\">View our services <span class=\"a\" aria-hidden=\"true\">&rarr;<\/span><\/a>\t<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>What product liability entails, what changes as of December 9, 2026, why software is now considered a product, and why your file determines your coverage.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[1],"tags":[],"onderwerp":[35],"class_list":["post-1018","post","type-post","status-publish","format-standard","hentry","category-niet-gecategoriseerd","onderwerp-supervision"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Product liability: your file determines your coverage<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/declaer.com\/en\/product-liability-your-file-determines-your-coverage\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Product liability: your file determines your coverage\" \/>\n<meta property=\"og:description\" content=\"What product liability entails, what changes as of December 9, 2026, why software is now considered a product, and why your file determines your coverage.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/declaer.com\/en\/product-liability-your-file-determines-your-coverage\/\" \/>\n<meta property=\"og:site_name\" content=\"Declaer | Product compliance as it should be.\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-16T09:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-21T14:52:15+00:00\" \/>\n<meta name=\"author\" content=\"Hoort\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Hoort\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/declaer.com\\\/en\\\/product-liability-your-file-determines-your-coverage\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/declaer.com\\\/en\\\/product-liability-your-file-determines-your-coverage\\\/\"},\"author\":{\"name\":\"Hoort\",\"@id\":\"https:\\\/\\\/declaer.com\\\/en\\\/#\\\/schema\\\/person\\\/9fc017d17c231600d7aa730f57ff4cc1\"},\"headline\":\"Product liability: your file determines your coverage\",\"datePublished\":\"2026-08-16T09:00:00+00:00\",\"dateModified\":\"2026-08-21T14:52:15+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/declaer.com\\\/en\\\/product-liability-your-file-determines-your-coverage\\\/\"},\"wordCount\":810,\"publisher\":{\"@id\":\"https:\\\/\\\/declaer.com\\\/en\\\/#organization\"},\"articleSection\":[\"Niet-gecategoriseerd\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/declaer.com\\\/en\\\/product-liability-your-file-determines-your-coverage\\\/\",\"url\":\"https:\\\/\\\/declaer.com\\\/en\\\/product-liability-your-file-determines-your-coverage\\\/\",\"name\":\"Product liability: your file determines your coverage\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/declaer.com\\\/en\\\/#website\"},\"datePublished\":\"2026-08-16T09:00:00+00:00\",\"dateModified\":\"2026-08-21T14:52:15+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/declaer.com\\\/en\\\/product-liability-your-file-determines-your-coverage\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/declaer.com\\\/en\\\/product-liability-your-file-determines-your-coverage\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/declaer.com\\\/en\\\/product-liability-your-file-determines-your-coverage\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/declaer.com\\\/en\\\/home\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Product liability: your file determines your coverage\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/declaer.com\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/declaer.com\\\/en\\\/\",\"name\":\"Declaer | Product compliance as it should be.\",\"description\":\"Declaer regelt productcompliance van begin tot eind: CE-markering, GPSR, EPREL, testen, FCC en UKCA. 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