Gross profit
- Fixed costs continue
- Profit margin you lose
- Update annually
Business interruption insurance for healthcare
A care organisation cannot close after a fire: your clients remain entitled to care, and the costs of continuing that care elsewhere run ahead of any payment.
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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
Residential care locations, day care, health centres, mental health practices and home care with a base all have one thing in common: the care has to continue, even if the building is unusable. That sets this page apart from the one-person paramedical practice, where turnover simply stops once the door closes.
Your funding also hangs on care delivered and invoiced: hours, sessions or days of residence that you charge to a health insurer, care administration office or municipality. If the location goes out of action, that output stops while salaries, rent and capital charges run on. The gross profit basis therefore lies close to your turnover.
Keep the sections apart. Rehousing and transport of clients are additional costs and not lost turnover; injury or loss suffered by clients is liability; and failure of your client record system without material damage falls outside this policy.
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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 business interruption insurance for the care sector 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?
- Gross profit from contracted care. In care that lies close to turnover, because few costs move with output.
- Nature of the location. Residential care with night cover, day care or treatment rooms alone lead to different recovery times.
- Number of locations and scope for replacement. If you can take clients in within your own organisation, that limits the loss of turnover.
- Indemnity period. Set against the recovery of the occupancy rate, not against the building time.
- Fire prevention and compartmentation. With clients who are less able to help themselves, the evacuation plan, firefighting equipment and fire separations weigh heavily.
- Excess in days and the sum for additional costs. A generous section for rehousing raises the premium, a longer waiting period lowers it.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your activities, turnover 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 practice
Four points that make the difference between a policy that pays out and one that does not.
No care delivered, no invoice
Your turnover consists of hours, sessions or days of residence invoiced. If a location goes out of action, chargeable output stops at once, while wage costs, rent and capital charges run on undiminished. The gross profit the policy pays therefore lies close to your turnover. What the cover does not solve is a subsequent adjustment or reclaim by the funding body; that is a contractual dispute and not insured business interruption loss.
Placing clients elsewhere is an additional cost
If a residential location or treatment room goes out of action, the care has to continue. Temporary accommodation, transport of clients, hiring staff and extra night shifts are additional costs and not lost gross profit. They are paid only where additional costs are insured, as a section or through separate additional costs insurance. Work out in advance what it costs to continue the care elsewhere for several months.
Loss suffered by clients falls under liability
If a client is injured in the incident or during the move, that is liability and not business interruption loss. Article 6:162 of the Dutch Civil Code applies to your own wrongful act, Article 6:170 DCC to mistakes by your staff and Article 6:174 DCC to a defective building or installation. The incident report under the Wkkgz (the Dutch care quality act) likewise concerns your liability policy and not this cover.
Occupancy sets the period, not the handover
After repair your location stands empty: clients have been placed elsewhere and staff have left or been taken on by others. It takes months before the occupancy rate is back, and that is exactly what the indemnity period is for. Outside the cover are failure of your electronic client record without material damage and closure by order of the authorities where the building and contents are undamaged.
Frequently asked questions
This is what people ask us most.
Does the policy pay for placing clients at another location?
Only where additional costs are insured. Business interruption cover pays lost gross profit; accommodation elsewhere, transport and extra staffing are additional costs. In care, continuing is the starting point, so that section often weighs more heavily here than the cover for lost turnover. Have both amounts set and recorded separately.
What is gross profit when we are funded per client?
Take the invoiced turnover and deduct only the costs that move with the number of clients, such as food, consumables and hired-in self-employed carers. Leave fixed wage costs, rent and capital charges in place, because they run on during a standstill. That leaves a high basis; do not underestimate it when applying.
Our electronic client record is down. Is that covered?
No. This insurance requires covered material damage to your own property as the cause. A failure at your software supplier, a ransomware attack or loss of the internet connection does not produce that damage. For that cyber insurance is needed, which also covers restoration of data and the notification duty.
Our medicine refrigeration failed and the stock has spoiled. What now?
The spoilage itself is loss of goods and runs through your business contents and goods insurance, possibly with a refrigeration or spoilage clause. If the care is interrupted as a result, consequential loss only comes into play where the cause is covered material damage. Report the incident immediately: Article 7:941 of the Dutch Civil Code requires you to notify in good time.
Every situation is different. For these situations we have a separate page.
- Compare business interruption insuranceThe main page
- Business interruption insurance for logisticsWarehouse, systems, customers
- Additional costs insuranceKeeping going, additional costs, cheaper
- Business interruption insurance for business servicesFallback, data, clients
- Business interruption insurance for paramedical practicesOne-person practice, equipment, fallback
- Business interruption insurance for officesFallback, data, staff
- Business interruption insurance for the hospitality sectorLicences, fit-out, winning customers back
- Business interruption insurance for agricultural businessesSeason, livestock, rebuilding
- Business interruption insurance for other sectorsGross profit, indemnity period, alternatives
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.