K Knowledge HF-D8.7-006 cross-sector 8 skills

Insurance and liability awareness

Knows which risks the organisation is insured for and what liability arises from damage, and acts accordingly in incidents.

How hrmforce measures this

Test of declarative job knowledge, usually assembled per client.

Level	Behaviour at this level
N1 Guided	Reports damage and incidents according to the fixed procedure and records the facts and the time. works under supervision and follows instruction · routine, one variable at a time · own task
N3 Proficient	Assesses at an incident whether cover exists, involves the insurer and limits further damage. sets own approach and seeks input proactively · several variables, some ambiguity · own team or process
N5 Leading	Determines the insurance portfolio and risk acceptance of the organisation and negotiates the policies with insurers. sets the standard and the policy · strategic, under high uncertainty · organisation, value chain or profession

N2 and N4 are deliberately not anchored. Raters place them between the anchors, following the O*NET convention.

These skills inherit the assessment route and the behavioural anchors of this construct.

T	Skill	Definition	Demand outlook 2026 to 2030
K	Assessing insurance cover Insurance cover	Checks in the policy which damage is covered, which exclusions apply and what deductible applies.	stable
K	Assessing liability Liability assessment	Determines whether the organisation is liable for damage and on which ground this rests.	stable
K	Knowing general liability insurance General liability insurance	Knows what general liability insurance covers for damage to persons and property.	stable
K	Knowing professional indemnity insurance Professional indemnity	Knows the cover for damage from professional errors and the role of the policy conditions.	stable
K	Reporting a claim to the insurer Claim notification	Reports an incident in time with the required details and evidence to insurer or broker.	stable
K	Indemnity and limitation of liability Indemnity clause	Recognises and assesses indemnities and limitations of liability in contracts.	stable
K	Identifying and insuring risks Risk identification	Maps business risks and determines which are insured, borne or avoided.	stable
K	Building a claim file Claim file	Records facts, photographs, correspondence and cost overviews of an incident in an orderly file.	stable