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
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
A fire watch supervises hot work, mans manhole watches and carries out follow-up checks after welding, grinding and burning. Your liability arises from your duty of care: you were appointed to control precisely this risk.
In an industrial environment, fire damage is rarely limited to the part that burns. Consequential loss and stoppage of production quickly run into millions, and clients therefore require high sums insured.
The structure of the cover in three parts, with an overview per situation below.
The basics
Liability
Damage and injury because the supervision fell short.
Fire after hot work
Injury to staff on site
Damage to the building
What it turns on
Duty of care
You were appointed to control precisely this risk.
Follow-up watch period
Extinguishers on site
Release after a check
Industry
High limits
What clients require by contract.
Millions per claim
Refineries and production sites
Ask for the requirement in advance
What is covered
Situation
Covered
A fire starts during the watch
Yes
Damage to plant caused by that fire
Yes
Injury to bystanders
Yes
The client's production standstill
Sometimes
Leaving before the end of the follow-up watch period
No
Working without a valid work permit
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Your logbook is your defence
Record the start, the follow-up watch period, the extinguishers used and the moment of release. Without a logbook, a discussion about supervision is lost before it starts.
Keeping to the follow-up watch period
Most fires start after the work has finished, during the follow-up watch period. Leaving before the end of it is the classic culpable mistake.
High limits on industrial work
At refineries and production sites, clients require sums insured in the millions. Ask for the requirement before you tender.
Work permits and certification
VCA and a valid work permit are almost always a condition of acceptance and the first thing asked about when there is a loss.
What does your premium depend on?
Annual turnover or payroll: the main basis for calculation
Type of locations: construction, industry or petrochemicals
Number of fire watch staff
Sum insured per claim
Certification and training
Claims history
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.
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.
You can be, if you fell short in your duty of care: leaving too early, insufficient extinguishers or no follow-up watch. Your logbook determines how that discussion goes.
What sum insured do clients ask for?
On industrial and petrochemical work often several million per claim. The requirement is set out in the contract or the specification.
Is consequential loss covered?
Property damage and injury fall under the AVB. A production standstill is pure financial loss and calls for separate arrangements.
What documents does the insurer ask for?
VCA certification, training certificates and the work permits for each project.
Which sum insured do clients require?
That is set out in the contract or specification and varies widely by sector. In industry and petrochemicals it is often several million per claim. Ask for the requirement before you tender.
What is the difference between the AVB and the BAV?
The AVB covers damage to property and injury to people. The BAV covers pure financial loss: financial disadvantage caused by an error, without anything being broken or anyone being injured. In downtime and delay claims, that is the difference that counts.
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.
