Gross profit
- Fixed costs continue
- Profit margin you lose
- Update annually
Additional costs insurance
Additional costs insurance pays not for what you lose, but for what it costs you extra to keep going. In the conditions those two quantities are tied to each other.
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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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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
This cover is not a sector variant but a different way of calculating. Where business interruption insurance starts from a standstill and pays the lost gross profit, additional costs insurance assumes that you carry on and pays the extra price of doing so: a temporary location, hired plant, subcontracting or extra transport.
The heart of it lies in one clause. Most policies pay additional costs up to the amount of business interruption loss you prevent by incurring them. If you want to spend more than the loss you save by doing so, you need a version in which that limitation has been removed. It is precisely on this point that products differ, so have it confirmed in advance.
What still applies: there must be covered material damage to your own property underlying it, repair of the damaged object itself runs through another policy, and costs incurred after the indemnity period ends are no longer paid.
Independent, personal, sorted quickly
We compare your business interruption 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 does additional costs insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Indemnity period
Calculate back from full turnover, not from the rebuild value.
- Clearance and permits
- Rebuilding and fitting out
- Winning customers back
Alternative
The additional costs of not standing still.
- Temporary location
- Outsourcing to third parties
- Often cheaper
What is covered
| Situation | Business interruption | Additional costs |
|---|---|---|
| Downtime after a fire at your premises | Yes | Yes |
| Loss of turnover after water damage | Yes | Yes |
| Additional costs to keep going elsewhere | No | Yes |
| Failure of a supplier | Sometimes | Sometimes |
| Digital downtime without physical damage | No | No |
| Loss of turnover due to lower demand | 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 additional costs. Based on what your fallback scenario realistically costs, not on your turnover.
- Indemnity period chosen. The period within which additional costs incurred still qualify for payment.
- Availability of a fallback location or replacement equipment. The sooner and the closer you can go somewhere else, the lower the expected additional costs.
- How far your activity is tied to a location. A production line or a kitchen is hard to move; office work or storage often is not.
- Whether or not a version without the savings limitation is taken. Cover that pays additional costs above the loss prevented is more expensive.
- Excess and prevention measures in place. Waiting period in days, fire detection, firefighting equipment and compartmentation all count.
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.
Your additional costs are set against the loss you prevent
The usual arrangement is that additional costs are paid up to the amount of business interruption loss you avoid by incurring them. If moving elsewhere costs more than the turnover it saves, the excess remains for your account, unless a version without that limitation is insured. This is where products differ most from one another. Work your fallback scenario through in advance and ask the insurer to confirm this clause in writing.
Only costs you would not otherwise have incurred
Costs that were running anyway do not count: the salaries of your own people and the rent of your own premises are not additional costs. What you save through the standstill is set off; Article 7:960 of the Dutch Civil Code does not allow the payment to leave you better off. If you buy replacement equipment instead of hiring it, usually only the hire equivalent is paid, because the residual value stays with you.
Repair of the damaged object falls outside this
This policy pays the extra price of keeping going and not the repair. The building runs through the business buildings insurance, the fit-out through the business contents insurance and a defective machine through the machinery breakdown insurance. Penalties, contractual damages and claims from customers also stay outside. Without those underlying covers you are still empty-handed after a fire.
Period, event and cause limit the payment
The indemnity period starts with the material damage and runs until the agreed period has passed; costs after that are no longer paid, even if you are still working elsewhere. The sum insured applies per event and not per year. And the cause must be covered material damage: a cyber incident, a failure in the electricity network or a supplier who does not deliver does not set the cover in motion.
Frequently asked questions
This is what people ask us most.
What is the difference from business interruption insurance?
Business interruption insurance pays the gross profit you lose while you are at a standstill. Additional costs insurance assumes that you keep going and pays what that costs extra: a temporary location, hired plant or subcontracting. If you cannot move elsewhere, for example with a production line or a restaurant, business interruption cover remains the right form.
Can I combine the two forms?
Yes. Additional costs is often a section on the business interruption policy and can also be taken out separately. Double payment is excluded: what you receive in additional costs reduces the loss of turnover you can claim on top. Article 7:960 of the Dutch Civil Code underlies this. So have both sums set in relation to each other.
Is the rent of a temporary location paid in full?
What is paid is the difference from what you would have paid without the damage, and only within the indemnity period. If the rent on your own premises runs on, that part does not count as an additional cost. Fitting-out costs that retain a residual value are often paid only in part. Record in advance which fallback location you have in mind.
Does the cover apply to a cyber attack or a power cut?
No. This form too requires covered material damage to your own property as the cause, such as fire, storm or water damage. A ransomware attack, a failure at your hosting provider or a network outage without fire or a lightning strike falls outside. For that risk cyber insurance or a separate section is needed.
Every situation is different. For these situations we have a separate page.
- Compare business interruption insuranceThe main page
- Business interruption insurance for healthcareClients, location, continuity
- Business interruption insurance for logisticsWarehouse, systems, customers
- Business interruption insurance for business servicesFallback, data, clients
- Business interruption insurance for construction firmsPlant, projects, wage costs
- Additional costs insurance: carrying on at an alternative locationKeeping going, additional costs, cheaper
- Business interruption insurance for paramedical practicesOne-person practice, equipment, fallback
- Business interruption insurance for the hospitality sectorLicences, fit-out, winning customers back
- Business interruption insuranceGross profit, indemnity period, material damage
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. Last updated on .
The information on this page is general in nature and is not personal advice.