Liability
- Damage to third parties
- Employers' liability
- Care, custody and control as an extension
Insurance packages
A package is not a discount but a structure: all sections rest on one survey, one policy schedule and one renewal date, so that no gap remains between them.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
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The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert.nl or call 072 - 509 24 56 and we will take it from there.
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your activities
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
An insurance package is a policy on which several sections are placed: liability, buildings or business contents, business interruption, sickness absence, motor vehicles. The difference from separate policies does not lie in the description of cover for each individual section. That is often word for word the same as the standalone version. The difference lies at the edges: one declaration of activities, one claims history, one renewal date and one claims handler who sees the whole file.
There is a downside that is rarely mentioned. Because the package rests on one declaration, the duty of disclosure under Article 7:928 of the Dutch Civil Code works across the whole package too. If you conceal something about your activities at the outset, the insurer can rely on Article 7:930 of the Dutch Civil Code in respect of every section affected by that information, not just the section where the loss falls. The same applies to cancellation after a claim: insurers usually cancel the package, not one part of it.
A package is therefore mainly worthwhile if your sections touch each other, care, custody and control, tenant's improvements, work after completion, staff road risk. If your risks are independent of one another, a package mainly buys you administrative convenience. We set the package structure alongside the separate policies you have now and show at which seams something genuinely connects in your situation.
Independent, personal, sorted quickly
We compare your insurance package across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
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What do insurance packages cover?
The structure of the cover in three parts, with an overview per situation below.
Assets and continuity
Business contents, goods and lost turnover during downtime.
- Business contents at replacement value as new
- Goods at cost price
- Business interruption or additional costs
Staff
Sickness absence, accidents and the traffic risk.
- Continued pay for 104 weeks
- Group personal accident
- WEGAS for traffic risks
What is covered
| Situation | AVB | BAV | Cyber |
|---|---|---|---|
| Injury to a visitor or customer | Yes | No | No |
| Damage to a client's property | Sometimes | No | No |
| Financial loss caused by an advisory or calculation error | No | Yes | No |
| Downtime after a ransomware attack | No | No | Yes |
| Data breach involving personal data | No | Sometimes | Yes |
| Damage to property in your care | No | No | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
What does your premium depend on?
- Number and type of sections. Each section has its own rate. The number of parts also determines the discount band.
- Description of activities. One description works through into all sections and determines the risk class of the whole.
- Turnover and payroll. The usual calculation basis for the liability and staff sections.
- Sums insured per section. Rebuild value, business contents value and the claim limit are set separately.
- Extensions chosen. Care, custody and control, tenant's improvements, glass or business interruption raise the premium of the section concerned.
- Claims history and excess. A claim on one section is taken into account at renewal in the assessment of the whole package.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
The seams, not the sections, are the argument
With separate policies, gaps arise at the transitions. Liability insurance excludes damage to property in your care; business contents insurance covers only your own property. What a client left with you for safekeeping falls exactly in between. In a package, a borderline case like that is identified at the survey and assigned to one section. That assignment is the work. The discount is secondary.
One declaration means getting the declaration right once
The description of activities on the policy schedule determines what is covered in every section. If you expand with a new service, a second location or installation work on site, that affects the liability section, the business contents section and the business interruption section at the same time. Report a change like that in writing. A package running on out-of-date information is no safer than separate policies; it is simply wrong on more points at once.
What a package does not solve
A package covers no more than the sum of its sections. Intent remains excluded under Article 7:952 of the Dutch Civil Code, motor vehicle damage stays outside the liability section, fines and administrative sanctions are never insurable, and loss that arose before the start date falls outside the cover. Late notification remains a problem too: Article 7:941 of the Dutch Civil Code applies per section and is not softened across the package.
A package discount does not make up for the wrong section
The discount rises with the number of parts, and that tempts you to include what you do not need. A section you never call on rarely earns back the discount it produces. Judge each part on its own: is the sum insured right, is the excess correct, and does this section cover a risk you actually run? Only then do you add up the discount.
Frequently asked questions
This is what people ask us most.
Can I cancel one section without ending the whole package?
Usually yes, but it affects the discount band: if you drop below the number of parts your discount is based on, the premium of the remaining sections rises. So never cancel a part without asking for the new package premium. Where the insurer cancels after a claim, it usually concerns the entire package.
Does the duty of disclosure work differently for a package than for separate policies?
In essence no, but the reach is greater. You make one declaration that carries all the sections. If it turns out afterwards that the declaration was incorrect or incomplete, the insurer can rely on Article 7:930 of the Dutch Civil Code in respect of every section that would have been affected by the missing information: even if the loss falls in a completely different section.
Does a package also give me one claims handler?
With one insurer it does, and for related losses that is the practical advantage. A fire in your premises affects buildings, business contents, business interruption and possibly liability all at once. If that runs through one file, there is no discussion about which policy carries which part. With separate policies at different companies, that split has to be fought out first.
Is a package also suitable if I have no staff?
Then the staff section falls away and you are usually left with liability, business contents and possibly business interruption. With two or three sections the administrative advantage is small and the discount band is low. In that case we compare explicitly with separate policies, because a specialist standalone policy for one risk sometimes gives better conditions than the same section within a package.
Every situation is different. For these situations we have a separate page.
- A package policy or separate policies as a self-employed professionalSections, renewal, coherence
- The personal insurance packageOne policy schedule, sections, package discount
- Insurance package for self-employed professionals in ITBAV, cyber, equipment
- Insurance for postal and parcel servicesVolume, loss, liability
- Insurance package for self-employed professionals in constructionAVB, tools, your own income
- SME package: sections without gaps between the policiesOne policy, no seams, one file
- Compare personal insurance packagesOne policy schedule, package discount, one point of contact
- VvE packageOne policy, all sections, one file
- Compare exclusive insurance packagesOne policy, one point of contact ·. A valuation as the basis
Read more
Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.