Buildings insurance (opstalverzekering) for a multi-tenant business building
In a multi-tenant business building, the premium is set not by the average risk but by the heaviest tenant. One spray shop among ten offices lifts the whole property into a different class.
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- We compare the offerings of several insurers
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- Switching arranged
- Help with claims
In brief
In a multi-tenant business building, a changing group of businesses rents space in one building. Insurers assess the property on the heaviest activity carried out in it, not on the average.
On top of that, changes of tenant and partial vacancy are a constant factor. You must be able to report both, and both affect the cover.
This page deals with one part. The overview of all parts is on the main page on property insurance.
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Get coveredWhy 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.
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.
What to look out for
Keep an up-to-date list of tenants
Insurers want to know what activities take place. An out-of-date list is a problem when you claim.
Set out restrictions in the tenancy agreement
Exclude fire-hazardous activities contractually if your policy assumes they do not occur. Otherwise you carry the risk of your tenant's choices.
Compartmentation between units
Fire-resisting separation between units limits damage to one tenant and noticeably lowers the premium.
Partial vacancy
Report vacant units. Where a substantial percentage is vacant, insurers adjust the conditions.
What determines the premium
- Agreed rebuild value
- Heaviest tenant activity
- Compartmentation and detection
- Number of units and vacancy rate
- Construction type and year of construction
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
Why does the heaviest tenant count?
Because fire does not respect tenancy boundaries. Insurers assess the building on the riskiest activity carried out in it.
Do I have to report changes of tenant?
Yes, certainly where the activity changes. A new tenant with a different business can change the risk profile of the whole property.
What does compartmentation do to the premium?
It lowers it noticeably, because the maximum loss stays limited to one unit instead of the whole building.
What about vacant units?
Report them. Where vacancy is substantial, insurers restrict cover or set requirements for security and inspection.
Every situation is different. For these situations we have a separate page.
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