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In brief
With office premises the value lies not only in the structure but in the installations: climate control, lifts, data facilities, access control and lighting. Those belong to the structure and count towards the rebuild value.
Offices usually have large areas of glass. Glass cover is often a separate module, and with insulating or laminated glass the costs and delivery times are considerable.
This information is general in nature and is not personal advice. What is actually covered, including exclusions 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.
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Yes, climate control, lifts and fixed facilities belong to the structure. They do have to have been included in the rebuild value.
Is glass covered as standard?
Often as a separate module. With large areas of glass that is a substantial item, partly because of the delivery time for insulating glass.
What falls under the tenant's interest?
Partition systems, a kitchenette, floor finishes and other facilities the tenant installed. They insure those on their business contents policy.
Is failure of the server room covered?
Not on the buildings policy. That is a risk for the tenant, to be covered with electronics or cyber insurance.
What is covered and what is not
What is covered
Situation
Extended
Comprehensive
The lift installation suffers water damage after a burst pipe in the shaft
Yes
Yes
A cleaning trolley smashes the glass partition in the entrance
No
Yes
During building work, a fitter drills through a pipe in the floor
No
Yes
After years, an insulating facade pane shows condensation between the panes
No
No
The partition systems and the kitchenette the tenant installed burn out
No
No
Copper pipework and cabling are stolen from the plant room
Provided that
Provided that
All-risks mainly adds the unforeseen damage that arises during use and refurbishment; the exclusions for wear and tear and inherent defect remain in both forms.
