Mfcttrf

Is it customary, or even expected, for employees in the Netherlands (for a Dutch company) to carry professional liability (errors & omissions) insurance?

Or are errors/omissions/mistakes caused to third parties that are created by an employee covered by the company's insurance policy?

ADDITION:

Note that the question is if employees need an insurance with regards to damages/errors/omissions they make (without malice) to third parties, like customers of the business they are employed in.

In my case, I work as an employee for company A, and company A sends me to various other businesses (B,C,D...) to work as a IT consultant. I may of course make an error and, say, wipe or corrupt B or C or D's databases or cause downtime in their servers.

I'm originally from an EU country and I know that in my country, my employer would be liable for my mistake, since, basically, as an employee I cannot refuse to work where they send me to work and my mistakes are considered part of my employer's natural business risk. So my employer's business liability insurance would cover my mistake.

I also worked in the USA, and I was once told that that's not the case for the USA, i.e. my employer's policy could very well not cover me for the mistakes I make in my job, and their customers may very well expect me to refund them.

What is the case of the Netherlands?

I live in Germany, but I am assuming that the situation is similar.

My understanding is that personal liability insurance is recommended because companies in Germany are allowed to sue you for some things that can quickly be expensive propositions. The famous example is keys... if you lose your work key, then the employer may have to change the locks for the whole building, and get new keys for everybody that works there. In Germany, your employer can sue you for this money. In fact, I think that it is kind of expected that you have such insurance.

I have never heard of this being an issue in the US. I'm not sure why that is. Perhaps an employer cannot sue the employee in the US in such a scenario.

Edit:

Perhaps I misunderstood the question. Please provide a more detailed explanation of the insurance you are talking about.