Business contents
- At replacement value as new
- Fire, water and burglary
- Fixed fittings
Business contents insurance for offices
In an office the business contents are largely equipment and fittings. The value that really matters, the data on them, falls precisely outside.
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- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
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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
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
The business contents of an office consist of furniture, workstations, network equipment, servers, screens and fixed fittings. Those items are easy to count and to insure at replacement value as new. Stock hardly plays a role, so the goods item in an office often stays empty or contains only stationery.
What sets an office apart is that the carrier is cheaper than the content. A replacement server or laptop is a straightforward item; repairing or reconstructing files, records and case files is not. Those costs do not fall under business contents insurance and call for electronics or electronic equipment cover or cyber insurance.
The second point is the where the property is. Since hybrid working, a substantial part of your equipment is at employees' homes or travels in a bag. The cover of a business contents policy is tied to the address on the policy.
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What does business contents insurance cover for offices?
The structure of the cover in three parts, with an overview per situation below.
Goods
Trading stock, raw materials and finished products.
- Purchase value or cost price
- Declare seasonal peaks
- Spoilage separately
Extensions
What is excluded as standard.
- Money and securities
- Third-party property
- Business interruption
What is covered
| Situation | Business contents | Goods |
|---|---|---|
| Fire and smoke damage | Yes | Yes |
| Burglary with signs of forced entry | Yes | Yes |
| Water damage from a burst pipe | Yes | Yes |
| Customers' property being worked on | No | No |
| Spoilage due to refrigeration failure | Sometimes | Sometimes |
| Wear and deferred maintenance | No | 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. Furniture, workstations, servers and network equipment at replacement value as new, excluding data.
- Share of IT equipment. A server room or many separate workstations weighs more heavily than an office with mainly furniture.
- Tenant's improvements. Walls, ceilings, kitchenette and cabling you had installed yourself form a separate item.
- Position in the building. Ground floor, multi-tenant building with a shared entrance or a self-contained floor of your own.
- Security and access control. Locks to a given class, an alarm with a monitoring centre connection and records of access passes.
- Extension away from the premises. The number of home workstations and the limit per employee for equipment elsewhere.
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.
Data falls outside the cover
Business contents insurance pays for hardware, not for files. If a server is lost in a fire or a workstation is stolen, you are paid for the device and not for the time it takes to rebuild records, case files and configuration. For data recovery and reconstruction costs electronics insurance is needed, and where data is encrypted or stolen in an attack, cyber insurance with a section for recovery costs and notification duties.
Equipment away from the office address
Laptops, monitors, phones and docking stations at employees' homes are not at the insured address. Without an extension, theft there or in transit is not covered. Ask for a section covering equipment away from the premises, with a limit per employee and a description of what falls under it. Note the additional requirement often imposed: no equipment left visibly in a car, and a police report in the event of loss.
What is not covered
The following, among others, are outside the cover: data, software and licences, even where the equipment is paid for; theft without signs of forced entry from a multi-tenant building or a shared floor, where nobody can show how someone got in; and faults and defects without an external peril, such as a failed power supply or a defective drive. Customers' files and equipment in your care also fall outside because of the care, custody and control exclusion.
Tenant's improvements and shared spaces
Many offices are in a multi-tenant building or on a flexibly rented floor. What you had installed yourself, such as glass partition walls, suspended ceilings, a kitchenette, floor coverings and the data cabling, is tenant's improvements and belongs as a separate item on your policy. It does not fall under the owner's buildings policy. Also ask who is responsible for the security of the communal entrance, because the burglary clause on your own policy is bound up with it.
Third-party property is not included
Goods belonging to customers that you have in your care (being worked on, under repair or in storage) are not your own business contents and fall under the care, custody and control exclusion in your liability insurance. Insure them under a separate third-party property section with its own limit.
Frequently asked questions
This is what people ask us most.
Are my files included?
No. Business contents insurance covers the equipment, not what is on it. For restoring back-ups, reconstructing records and setting up systems again you need electronics insurance or cyber cover. Also check that your back-up is off the premises or off the network, because a back-up next to the server burns or is encrypted along with it.
Is the laptop of an employee working from home covered?
Not automatically. The cover applies at the address stated on the policy. Ask for an extension for equipment away from the premises, with a limit per workstation. Note the conditions for theft in transit: many insurers require a police report and exclude equipment left visibly in a car.
What are tenant's improvements in an office?
Everything you as a tenant had installed yourself that is fixed to the building: glass walls, suspended ceiling, kitchenette, floor finishes, lighting and data cabling. The landlord insures the shell, not your fit-out. Declare the amount separately and base it on the cost of having the layout built again, not on the book value left in your accounts after depreciation.
Are customers' files and equipment covered?
Not on this policy. Third-party property in your care falls outside your own business contents and runs into the care, custody and control exclusion on the public and employers' liability insurance. If you work regularly with clients' equipment or archives, have a separate third-party property section included with its own limit and a clear description.
Every situation is different. For these situations we have a separate page.
- Compare business contents insuranceThe main page
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Read more
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 (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.