Liability
- Damage to third parties
- Employers' liability
- Care, custody and control as an extension
Tenant's improvements and business contents in property
As a tenant you insure three different things on three different bases: your business contents, your stock and whatever you had fixed to a building belonging to someone else.
- several insurers compared objectively
- 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 insurance covers your loose business equipment, usually at replacement value as new. Your trading stock is paid on a different basis, namely cost price. And the tenant's improvements (floors, walls, kitchenette, lighting, cabling) belong to neither, because they are fixed to the building and therefore legally belong to the owner.
That is precisely where the trap lies. Your landlord's buildings policy was taken out on the premises as he handed them over to you, and your business contents insurance relates to movable property. Anyone who does not declare the fit-out separately discovers after a fire that two insurers are pointing at each other while the bill for the fit-out lands with you.
This is the tenant's side of the matter. If you are in fact the owner of the premises and want to know what happens to your tenant's fit-out, see tenant's improvements in property.
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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.
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What do tenant's improvements and business contents cover in property?
The structure of the cover in three parts, with an overview per situation below.
Assets and continuity
Business contents, goods and lost turnover during downtime.
- Business contents at replacement value as new
- Goods at cost price
- Business interruption or additional costs
Staff
Sickness absence, accidents and the traffic risk.
- Continued pay for 104 weeks
- Group personal accident
- WEGAS for traffic risks
What is covered
| Situation | AVB | BAV | Cyber |
|---|---|---|---|
| Injury to a visitor or customer | Yes | No | No |
| Damage to a client's property | Sometimes | No | No |
| Financial loss caused by an advisory or calculation error | No | Yes | No |
| Downtime after a ransomware attack | No | No | Yes |
| Data breach involving personal data | No | Sometimes | Yes |
| Damage to property in your care | No | 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. The replacement value of your business equipment is the largest basis of calculation on this policy.
- Nature and value of the stock. Flammable, perishable or theft-prone goods are assessed differently from bulk materials.
- Extent of the tenant's improvements. The amount you had spent on fixed fit-out yourself is put on the policy schedule as a separate item.
- Construction type of the premises let. The structure, roof covering and fire compartmentation of the building determine the fire risk to your property.
- Security. Burglary resistance of the facade and doors, alarm response and camera surveillance weigh in acceptance.
- Business interruption indemnity period. How long payment for the standstill continues is your own choice and feeds straight through into the premium.
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.
Business contents at replacement value as new, stock at cost price
Your machinery, furniture and equipment are usually replaced with new items. Your stock is not: it is paid for at what you paid for it, without the margin you would have made on it. That lost margin is business interruption and belongs in different cover. If you work with strong seasonal peaks, agree a stock clause, otherwise you are underinsured in your busiest weeks.
Tenant's improvements is the item nobody declares
Suspended ceiling, poured floor, partition walls, kitchen unit, data and distribution board, air conditioning: in business premises that comes to a substantial amount together. What you took over from the previous tenant counts too, because from the takeover it is your interest. Put the fit-out on a list with handover photographs when you take occupation and declare the total separately alongside your business contents and goods.
What is in your care is not yours and usually not covered
Customers' goods in for repair or storage, consignment stock and leased equipment are somebody else's property. On liability insurance, items in your care are excluded as standard; care, custody and control cover is needed for that. And on your goods policy they only appear if you have expressly declared them. Take stock of what belongs to third parties and is structurally at your premises.
After a fire, what counts is not only what is gone but how long you are shut
Your rent carries on, your staff stay employed and your customers do not wait. A business interruption insurance absorbs the lost gross profit during an agreed indemnity period. If you choose it too short, payment stops before you are running again. What falls outside is the loss of turnover that only arises after that period because customers have by then gone elsewhere.
Frequently asked questions
This is what people ask us most.
What exactly counts as tenant's improvements?
Everything you as a tenant had fixed to the premises let and which cannot be taken away without damage when you leave: floors, partition walls, ceilings, kitchen, bathroom fittings, fixed lighting, cabling and climate installations. Free-standing cupboards, computers and machinery are not tenant's improvements but business contents. The distinction determines on which policy and on which basis the loss is paid.
On what value is my stock paid?
At cost price, so what the goods cost you, including the costs of getting them in. The profit margin you would have made on them is not included. That runs through business interruption cover. For semi-finished goods, the cost price plus the processing costs up to the moment of the loss applies. Declare seasonal peaks in advance.
Is the fit-out I took over from the previous tenant included?
Only if you have declared it. Through the takeover it has become your tenant's improvements, even though you had nothing installed yourself and none of it appears in your own building file. Insurers pay for what is on the policy schedule. So add the fit-out you took over to your own alterations and declare the total.
Are customers' goods held at my premises covered?
Not automatically. Third-party property in your care falls outside both liability insurance and goods cover as standard. Care, custody and control cover is needed, or a separate declaration of third-party goods on your policy. Keep track of how much belonging to customers is with you on average and at most. That amount determines which solution fits.
Every situation is different. For these situations we have a separate page.
- Compare business contents insuranceThe main page
- Tenant's improvements in propertyWhat the tenant installed, outside the buildings policy, declaring it
- Insurance for warehousesStorage, third-party goods, fire
- Insuring business contents, goods and tenant's improvementsBusiness contents, goods, tenant's improvements
- Business contents and goods for self-employed professionalsWorkplace, stock, working from home
- Commercial business contents insuranceBusiness assets, goods, extensions
- Business contents insurance for officesEquipment, data, home workstations
- Business contents insurance for shopsShop fittings, stock, season
- Business contents insurance for hairdressing salonsChairs, wash units, stock
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.