4.0 This article applies if the Contractor and Client have not agreed in writing to take out an IDEA event insurance policy with Klap No Risk.
4.1 The Client won't be entitled to any compensation if the damage was (partly) caused because the Client didn't stick to their obligations from the agreement and/or these general terms and conditions.
4.2 The Client and/or Contractor won't be taking out an IDEA event insurance with Klap No Risk. The Client needs to make sure they have enough insurance for the event or take on the risk themselves.
4.3 The Contractor isn't responsible for any damage, unless: (i) the damage is covered by their general liability insurance (up to the maximum amount paid out by their insurance, plus the deductible), or (ii) it's due to intentional actions or gross negligence by the Contractor or one of their managers.
4.4 For any uninsured damage, the Contractor's liability is always limited to direct damage only, up to a maximum of € 25,000, unless it's caused by intentional actions or gross negligence by the Contractor or one of their managers.