Buildings insurance (opstalverzekering) for an office building
Office premises carry a low fire risk but a high installation value. Climate control, data and security systems often represent more than the facade.
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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 page deals with one part. The overview of all parts is on the main page on property insurance.
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What to look out for
Installations in the rebuild value
Have climate control, lifts and access control included in the valuation. Without those items the sum insured is structurally too low.
Look at glass separately
Large areas of glass are expensive and have long delivery times. A separate glass policy with emergency measures is almost always sensible here.
The tenant's interest
Partition systems, a kitchenette and floor finishes installed by the tenant fall under their policy, not yours.
Server room and data risk
Failure of climate control or power in a server room is not buildings damage. Point your tenant to cyber or electronics insurance.
What determines the premium
- Valued rebuild value including installations
- Construction type and year of construction
- Fire prevention and detection
- Glass surface area
- Vacancy rate
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.
Frequently asked questions
Are the installations included?
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.
Every situation is different. For these situations we have a separate page.
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