Buildings insurance (opstalverzekering) for commercial property
Anyone owning more than a handful of properties loses sight of things among separate policies with different renewal dates and conditions. A portfolio policy solves that.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
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
With commercial property you place several objects on one portfolio policy: one policy, one renewal date, uniform conditions and one point of contact when you claim.
You set the sums insured with valuations per property. When you buy a property, a block clause lets it be included straight away, so that there is not a single day uninsured.
This page deals with one part. The overview of all parts is on the main page on property insurance.
Independent, personal, sorted quickly
We compare your buildings 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.
Buildings insurance
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Get coveredWhy 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.
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.
What to look out for
Uniform conditions save discussion
Separate policies with different clauses mean sorting things out when you claim. One set of conditions makes settlement predictable.
A block clause on purchase
Have it recorded that newly acquired properties are automatically included up to a certain amount, with notification afterwards.
Keeping valuations up to date
Building costs rise. Keep to a valuation schedule so that properties do not quietly become underinsured.
Loss of rent across the whole portfolio
Work out the indemnity period per property type. A commercial shed is rebuilt more quickly than a listed building.
What determines the premium
- Total valued rebuild value
- Composition of the portfolio
- Use and mix of tenants
- Vacancy rate
- Chosen modules and excess
This information is general in nature and is not personal advice. What is actually covered, including exclusions 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.
Frequently asked questions
From how many properties is a portfolio policy worthwhile?
In reality from about three to five properties. The advantage lies both in the premium and in the administration.
What is a block clause?
A provision under which newly purchased properties are automatically insured up to a certain amount, with notification afterwards.
Does every property have to be valued separately?
For the guarantee against underinsurance, yes. We draw up a schedule for that so the valuations do not all expire at once.
Can I combine different types of use?
Yes, residential, office, retail and storage can be in one portfolio. The use is still looked at for each property.
Every situation is different. For these situations we have a separate page.
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