Type of construction · stored goods · solar panels
Buildings insurance (opstalverzekering) for a warehouse
With a shed, the premium is determined not by the structure but by the insulation in the sandwich panels. And what is stored inside determines whether you are accepted at all.
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Deze pagina in het Nederlands: Opstalverzekering loods.
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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.
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- We compare the offerings of several insurers
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- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
With a shed or industrial unit, insurers look closely at the construction type, and above all at the type of insulation material in the sandwich panels. Combustible insulation leads to a considerably higher premium or to refusal.
In addition, it is use is decisive: what is stored, in what quantity and whether any processing takes place. Storing plastics, batteries or flammable liquids changes the risk fundamentally.
This page deals with one part. The overview of all parts is on the main page on property insurance.
What to look out for
The insulation material is the key question
Insurers ask explicitly about the type of panel core. Make sure you can demonstrate what has been used; that makes a considerable difference to the premium.
Solar panels on the roof
Large roof installations bring their own fire risk. Declare them with their value and have the installation inspected periodically.
Compartmentation
Fire-resisting separation limits the damage and with it the premium. In large units this is often the cheapest measure.
Third-party goods
If you store for others, liability and possibly goods insurance come into play alongside the buildings cover. Record who insures what.
What determines the premium
- Agreed rebuild value
- Type of construction and insulation material
- Stored goods and use
- Compartmentation and detection
- Solar panels and installations
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.
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.
Frequently asked questions
Why does the insurer ask about the insulation material?
Because a combustible panel core lets fire spread quickly. For industrial units the type of insulation is the most important underwriting question.
Are solar panels on the roof covered as well?
Often yes, provided they are declared with their value. For large installations, additional requirements apply to inspection and mounting.
What if I store goods belonging to third parties?
Liability then comes into play as well. Your buildings policy covers the building, not the goods stored; record who insures those.
Does compartmentation help?
Yes, considerably. Fire-resisting separation limits the extent of the damage and therefore lowers the premium.
What is covered and what is not
What is covered
| Situation | Extended | Comprehensive |
|---|---|---|
| Fire runs through the sandwich panels while a different insulation material was declared on the application | No | No |
| A storm lifts part of the roof sheeting off the unit | Yes | Yes |
| A forklift truck buckles a steel column and the internal wall cladding | No | Yes |
| The inverter of the roof installation catches fire and the roof boarding burns away | Provided that | Provided that |
| Pallets of a customer's goods are lost in that same fire | No | No |
| Meltwater runs into the unit through a blocked roof outlet | Provided that | Yes |
A wider form of cover does not repair an incorrect declaration: if the type of construction or the use is wrong, all-risks does not help either.
Read more
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