There are many insurance scheme is available
In the Netherlands, many people take out a so-called Aansprakelijkheidsverzekering (Liability Insurance).Third-party insurance (aansprakelijkheid), or liability insurance, protects you if your cleaner drops your precious china, or your child spills grape juice on your neighbour’s oriental carpet. More than 95 percent of the Dutch population has this insurance, and it is often included in combination packages for either homeowners or tenants. You can compare Dutch liability insurances online
It is not uncommon that Dutch residents also have legal insurance (Rechtbijstandverzekering), guaranteeing (cheaper) access to legal advice. It insures against costs of lawsuits and personal and labour disputes.
Ongevallenverzekering (accident insurance) insures against bodily injury or death because of an accident and the expenses entailed in these events. These kinds of insurances will pay out a lump sum amount if you or a family member become(s) permanently disabled, lose(s) body parts or die(s) as a result of an accident.