The business package from De Goudse
A business owner package bundles policies that each cover a different kind of risk. The gaps arise not within a section, but between property damage, liability and staff.
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- We compare the offerings of several insurers
- An adviser checks whether the cover suits your activities
- We arrange the switch, including cancellation
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- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
Finass brokers the business range of De Goudse and compares it objectively with more than thirty other insurers. A package for business owners falls into four groups. Your own property: buildings, business contents and goods and plant and machinery. Your liability towards others. Your turnover and continuing costs after an incident. And your staff: absence, injury and road use.
That four-way split is not theory. If your workshop burns down, the contents cover pays for the equipment and not for the standstill; the business interruption insurance exists for that. If a customer is injured, that is the liability cover. If an employee is off work long term, there is no indemnity policy that pays out but a sickness absence insurance which takes over your obligation to continue paying wages. Each of those situations touches a different policy.
Where a package often goes wrong is the assumption that 'everything' is in it. Cyber loss, environmental damage, professional indemnity and liability for employees on the road are by no means always included and have to be chosen separately. Go through the policy schedule section by section and, for each item missing, ask who then carries the risk. Usually the answer is: you.
This page deals with one situation. The full overview is on Compare construction all risks (CAR) insurance.
The same independent view, whatever insurer
We work with dozens of insurers and choose whichever fits your situation best — not whichever pays us the most. That means advice built around you, not around one brand.
Insurers
Independent
AdviceWhy 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.
What to look out for
Four dividing lines within a business owner package that keep coming back in claims files.
Property damage and loss of turnover are two policies
A fire, water or burglary loss produces two kinds of cost: repairing what is broken and the loss of turnover while fixed costs continue. Only the first is in the contents and buildings cover. Without business interruption cover, or without an adequate indemnity period, you carry the standstill yourself, even if the physical damage is paid in full. Calculate the indemnity period on the basis of permits, rebuilding and machinery lead times, and not on an average repair time.
Staff risk follows its own logic
During sickness the obligation to continue paying wages under Article 7:629 of the Dutch Civil Codeapplies; that is not a loss but an obligation. For injury at work it is a matter of Article 7:658 of the Dutch Civil Code, where you have to show that you met your duty of care. Under paragraph 4, that duty of care also extends to hired-in staff, agency workers and trainees working for you.
Staff on the road fall outside the AVB
An employee who takes to the road for work and suffers loss is not covered by ordinary liability cover. There are separate policies for employees using the road. The distinction between the versions is set out under WEGAS and WEGAM. For motor vehicles, the compulsory insurance of Article 2 of the Dutch Motor Insurance Liability Act (WAM).
What a package does not solve
Whatever the number of sections, administrative fines and penalty payments, intent and wilful recklessness (Article 7:952 of the Dutch Civil Code), pure financial loss without injury or property damage and damage from wear and tear or deferred maintenance stay outside the cover. A dispute with the tax authorities, a shareholder or a supplier is also not an insured event but a matter for legal expenses cover. Record for each section which risk it covers, so that you know which items deliberately remain at your own expense.
What does your premium depend on?
- Sector and activities: determines virtually every section in the package
- Turnover and payroll: the basis for liability and staff cover
- Sums insured per section: building, business contents, goods and tenant's improvements
- Number of employees: including agency workers and trainees
- Business interruption indemnity period: matched to rebuilding and delivery times
- Prevention and claims history: security, inspections and earlier notifications
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Basic package | Extended package |
|---|---|---|
| Fire in the workshop destroys your machinery and hand tools | Yes | Yes |
| You cannot produce anything for three months while rent and salaries continue | No | Yes |
| A visitor trips over a cable in your showroom and breaks a wrist | Yes | Yes |
| Ransomware encrypts your order administration and production stops | No | Provided that |
| Incorrect advice from your employee costs a client money, without anything being damaged | No | Provided that |
| Your mini excavator is stolen from the building site at the weekend | Provided that | Yes |
We set out on paper what each section contains, so that you know which items deliberately remain at your own expense.
Frequently asked questions
This is what people ask us most.
Is a package cheaper than separate policies?
Often yes in premium, through a package discount and a single administration. The drawback is the tie-in: all sections run on one contract with one renewal date, and ending one element may affect the discount on the rest. Weigh that against the option of placing specific cover, for example for construction projects, with a specialist provider.
Is CAR cover included in the package as standard?
No. Construction and installation work calls for its own project cover, either single-project or annual for all works within a defined description. A liability section covers injury and damage to third-party property, but not the works you are engaged on. Anyone who regularly takes on contract work arranges that cover separately alongside the package. Discuss for each project whether a single-project or an annual form fits.
What happens if my turnover or payroll changes significantly?
Tell us. Premiums for liability and staff cover are calculated on turnover or payroll and adjusted afterwards. More importantly: where the risk changes, such as a new activity or a different type of client base, the question of cover changes too. Changes that are not disclosed may have consequences at claim time under the policy conditions.
Am I insured myself as the owner within the package?
Not for your own income. A general insurance package covers your business, not your personal incapacity for work. For that a disability insurance is needed, possibly supplemented by accident cover. Directors and major shareholders are also not automatically covered by employee cover; have it expressly recorded who counts as an insured person.
Every situation is different. For these situations we have a separate page.