Business contents
- Fire, smoke and water
- Burglary and theft
- Storm and rainfall
- Vandalism
Compare business contents insurance
Business contents insurance is a simple policy with two awkward questions: what are your business contents really worth, and who insures the floor, the kitchen and the partition walls you installed yourself?
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
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
Business contents insurance covers your business assets against fire, storm, water, burglary and vandalism. business contents covers machinery, furniture, computers, tools and equipment; goods covers your trading stock, raw materials and semi-finished goods. The two are often insured on one policy with a separate amount for each part.
Cover is provided on the basis of replacement value as new: the amount needed to buy an item of the same kind and quality new. There is a limit to that, though. As soon as the market value of an item falls below roughly 40 per cent of the new value, most insurers pay at market value. That also applies to items you no longer use or that have been withdrawn from your business.
The element that is consistently forgotten is tenant's improvements: everything you as a tenant have had installed in the premises that has become fixed to the structure. That is not business contents, nor does it fall under your landlord's buildings policy.
Independent, personal, sorted quickly
We compare your business contents insurance 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.
Business contents insurancePhoto coming soon
ComparePhoto coming soon
Get coveredPhoto coming soon
What does business contents insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Goods
Trading stock, raw materials and semi-finished goods, with their own sum insured.
- Seasonal increase possible
- The value fluctuates
- Spoilage sometimes separate
Tenant's improvements
What you as a tenant installed yourself and which has become fixed.
- Floors and ceilings
- Kitchen and bathroom fittings
- Partition walls and lighting
What is covered
| Situation | Covered |
|---|---|
| Fire or water damage to your machinery | Yes |
| Burglary with signs of forced entry | Yes |
| The floor and kitchenette you installed | Sometimes |
| Stock that is higher during the peak than the sum insured | Sometimes |
| A machine that fails from within | No |
| Money in the till and negotiable paper | 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?
- Sum insured for business contents and goods: the main basis for calculation
- Sector and risk class: catering and production weigh more heavily than office work
- Construction type of the building: brick, timber or sandwich panels
- Security: approved locks, alarm with a monitoring centre
- Fire prevention: firefighting equipment, compartmentation, inspections
- Excess and extensions
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.
Underinsurance is calculated proportionately, even for small claims
If your business contents are insured for half their actual value, even a claim of two thousand euros is paid only in half. So it affects not only the major fire but precisely the small claims you did expect to be paid. Check the sum insured each year, certainly after investing.
The 40% line between new value and market value
Replacement value as new applies as long as the market value is reasonably close to it. If the market value falls below roughly 40 per cent of the new value, most insurers pay at market value. For older machinery that means a considerably lower payment than the sum insured suggests. So do not let old equipment run automatically in a new-value calculation.
Tenant's improvements belong separately on the policy
If you have laid a floor, fitted a kitchenette or put up walls in rented premises, that is tenant's improvements. It is not business contents, because it is fixed, and it does not fall under the landlord's buildings policy, because he did not pay for it. Without a separate section it is uninsured, and it easily runs into tens of thousands of euros.
Machinery breakdown is something other than business contents
Business contents insurance covers external perils. If a machine fails from within — inherent defect, a short circuit, an operating error — that is machinery breakdown and that is separate cover. In manufacturing businesses that is the difference between an insured and an uninsured standstill.
Frequently asked questions
This is what people ask us most.
What counts as business contents and what as goods?
Business contents are your business assets: machinery, furniture, equipment and tools. Goods are your trading stock, raw materials and semi-finished goods. Each gets its own sum insured, because the value of stock fluctuates more.
Will I be paid the replacement value as new?
In principle yes. But as soon as the market value falls below roughly 40 per cent of the new value, most insurers pay at market value. That also applies to items you no longer use.
What are tenant's improvements?
Everything you as a tenant have had installed in the premises and which has become fixed: floors, ceilings, a kitchenette, bathroom fittings, partition walls. It is not business contents and it does not fall under your landlord's buildings insurance. Declare it separately.
What happens with underinsurance?
Then payment is made proportionately. If you are insured for half, you are paid half of every claim, however small. Have the sum insured checked periodically, certainly after investments or alterations.
Is my stock covered during the peak as well?
Only if you arrange it. If your stock fluctuates sharply, agree a seasonal increase; otherwise you are underinsured in precisely your busiest weeks.
Is cash included?
No. Money and negotiable paper are excluded on business contents insurance. There is separate money insurance for that, which also covers transport to the bank.
Every situation is different. For these situations we have a separate page.
- Business contents insurance for dental practicesTreatment units, X-ray, delivery time
- Business contents insurance for gymsEquipment, wear and tear, inspection
- Business contents insurance for beauty salonsEquipment, products, fit-out
- Business contents insurance for physiotherapy practicesTreatment couches, exercise room, equipment
- Business contents insurance for the hospitality sectorKitchen equipment, spoilage, fire risk
- Business contents insurance for warehousesRacking, stock, sprinklers
- Commercial business contents insuranceBusiness assets, goods, extensions
- Insuring business contents, goods and tenant's improvementsBusiness contents, goods, tenant's improvements
- Tenant's improvements and business contents in propertyWhat you had installed, outside the buildings policy, declaring it
Insurers we compare
A selection. Which insurers appear in your comparison depends on your situation and the cover you choose.
Read more
Similar pages
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. Last updated on .
The information on this page is general in nature and is not personal advice.