Business contents
- Chill and freezer rooms
- Slicing and processing machines
- Counter and till system
- Usually at replacement value as new
Business contents and goods insurance for a butcher's shop
In a butcher's shop the largest loss rarely lies in the furniture, but in the refrigeration and the stock that depends on it. Each of those calls for its own section.
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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
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- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
Business contents insurance covers the business assets of your butcher's shop: chill and freezer rooms, counters, slicing machines, mincers, vacuum packing equipment, scales, till system and furniture. The goods are the stock: meat, cooked meats, spices, packaging and returnable containers. Business contents are usually paid at replacement value as new, goods at cost or replacement value. The profit margin on spoiled stock does not fall under damage to property but under business interruption.
If you rent the shop or the production space, you do not insure buildings but tenant's improvements: everything you had structurally installed yourself. In a butcher's shop that is often substantial: a chilled room, wall finishes meeting hygiene requirements, floor drains, extra electrics for the machines and an extraction system. That investment does not appear on the owner's buildings policy and must go on your policy as a separate sum.
The risk that sets a butcher's shop apart from an ordinary shop is spoilage through refrigeration failure. That is usually not included in the basic cover, but is a separate section with its own conditions: a minimum duration of the fault, a working alarm on the cold room and sometimes a requirement about the maintenance contract. See also insurance for the butcher's shop.
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What is covered?
The business contents, the stock and the refrigeration damage section are separate items on the policy.
Goods and spoilage
Meat, cooked meats and packaging, including damage from refrigeration failure.
- Payment at cost price
- Spoilage via a separate section
- Requirement on fault duration and alarm
- Seasonal peaks can be included
Tenant's improvements
The structural installations you put into the premises let yourself.
- Chilled rooms and walls
- Floor drains and floor coating
- Extra electrics and extraction
- Not on the owner's policy
What is covered
| Situation | Basic | Extended |
|---|---|---|
| Fire damage to machinery and counter | Yes | Yes |
| Theft of business contents after forced entry | Provided that | Yes |
| Spoilage through failure of the cold room | No | Provided that |
| A chilled room you installed | Provided that | Yes |
| Loss of turnover while closed | No | Provided that |
| Wear and tear of an old compressor | No | No |
Which perils are covered and which exclusions, limits, waiting periods and excesses apply is set out in the policy conditions and the insurance card (verzekeringskaart).
What does your premium depend on?
- Described business activity and activities: sales, production or catering
- Sums insured: business contents, stock, tenant's improvements
- Value of the refrigeration plant: rooms, compressors, alarm
- Construction type and location: shop unit or detached
- Security: locks, an alarm and a monitoring centre
- Excess: different for each section
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, risk and 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 butcher's shops
Four points that determine whether the damage to refrigeration and stock is paid for.
The declared trade must cover the whole business
A butcher's shop that only sells is a different risk from one that slaughters, smokes, deep-fries or prepares meals itself. A catering arm or a sales van also belongs on the policy. If you insure as a shop while production and smoking actually take place, the fire risk has been wrongly assessed. Article 7:928 of the Dutch Civil Code requires you to provide that information. If you conceal it, payment can be Article 7:930 of the Dutch Civil Code be reduced or refused.
Spoilage cover has its own conditions
The chill and freezer damage section covers spoilage of stock through an unforeseen fault in the installation or through a power cut. Insurers attach conditions to it: a fault must usually last a minimum number of hours, the room must be fitted with a temperature alarm and there must be a maintenance contract or periodic check. Failure through a general power cut outside your premises is by no means always included. Read this section word for word before you sign.
What is not covered
Excluded from cover are, among other things business downtime without separate business interruption cover, damage caused by wear, ageing and deferred maintenance to compressors and installations, and defects arising from construction or design faults. Damage caused by intent or recklessness on the part of the insured is excluded under Article 7:952 of the Dutch Civil Code. Also outside: spoilage because a door was left open, gradual loss of quality, money without a separate section, and damage connected with use that differs from the declared trade.
Business interruption weighs more heavily than the stock
A butcher's shop closed for three months loses not only its stock but also its customer base. business interruption cover pays the continuing costs and the lost gross profit during the indemnity period chosen. Set that period generously: besides rebuilding or refitting, you need new equipment with delivery times, and an inspection by the NVWA before you may reopen. Support your turnover with monthly figures, so that no argument arises when you claim.
Frequently asked questions
This is what people ask us most.
Is spoilage of meat automatically included?
No. Chill and freezer damage is almost always a separate section with its own conditions and its own limit. What is covered is usually spoilage through an unforeseen fault in your own installation; failure of the public supply is not always included. Also note the minimum duration of the fault and the requirement that the room has a working temperature alarm.
What if the compressor of my cold room fails?
Damage from within to the installation itself, such as a burnt-out motor or a seized bearing, falls under machinery breakdown and not under ordinary business contents cover. Wear and tear and age are also excluded as standard. If you want to cover that risk, separate machinery breakdown cover is needed; you deal with spoilage of the stock through the refrigeration damage section.
I rent my shop. What do I insure myself?
The owner insures the building. You insure your business contents, your stock and the tenant's improvements: the chilled room, hygienic wall finishes, floor coating, floor drains, extraction and extra electrical circuits you had installed yourself. Go through the invoices for the work and put that total on the policy as a separate sum, otherwise that investment stays uninsured.
How do I set the sum insured for stock?
Work from the highest stock you hold in a year, not the average. In a butcher's shop the weeks around the holidays and the barbecue season are decisive. If the actual stock at the time of a loss is higher than the sum insured, payment is proportionate. Discuss a temporary increase for the peak period if appropriate.
Is a sales van included?
The van itself is not. That calls for its own vehicle or plant insurance. The business contents and stock you carry in it sometimes fall under an extension to the business contents insurance, but often only up to a limited amount and with requirements about locking the van. Always report the use of a sales van in advance.
Every situation is different. For these situations we have a separate page.
- Compare business contents insuranceThe main page
- Insuring business contents, goods and tenant's improvementsBusiness contents, goods, tenant's improvements
- Business contents insurance for the hospitality sectorKitchen equipment, spoilage, fire risk
- Business contents insurance for restaurantsKitchen, fit-out, spoilage
- Business contents insurance for bakeriesOvens, flour dust, refrigeration
- Business contents and tenant's improvements in let propertyOwner's interest, tenant's improvements, business contents
- Business contents insurance for pubs and barsBeer dispense, glassware, the small hours
- Business contents insurance for practice premisesEquipment, at home, standstill
Read more
Is your butcher's shop properly insured?
Request a quotation without obligation. We go through business contents, stock, refrigeration damage and tenant's improvements with you.
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 (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.