Liability
- Damage to third parties
- Employers' liability
- Care, custody and control as an extension
Insurance for facility services
Facilities work takes place in someone else's building: you have the keys, the codes and your client's contents all around you.
- 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 · Deutsch
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
Cleaning, window cleaning, security, reception services and grounds maintenance share one feature that shapes the policy: the property you work on and in is not yours. That makes care, custody and control not an extension but the core of your cover. A bare public and employers' liability policy specifically excludes damage to property in your custody, and that is precisely the category your work takes place in.
You also hold access. Keys, tags and alarm codes for dozens of sites sit in your office or in the van. If a key to a master suite is lost, the loss consists of rekeying the whole building: pure financial loss without anything being broken. No standard section pays for that. There is separate key loss cover for it.
If you pass work on to a subcontractor, you remain answerable to your client under Article 6:171 of the Dutch Civil Code. For mistakes by your own staff Article 6:170 DCC applies. We set your list of sites, your key management and your hired-in labour side by side and build a SME insurance package around them.
Insurance never stands alone
A mortgage, loan or investment often touches your insurance too. We look at the bigger picture and point you to the right specialist whenever something falls outside insurance itself.
FinancialPhoto coming soon
OverviewPhoto coming soon
AdvicePhoto coming soon
What does insurance for facilities services cover?
The structure of the cover in three parts, with an overview per situation below.
Assets and continuity
Business contents, goods and lost turnover during downtime.
- Business contents at replacement value as new
- Goods at cost price
- Business interruption or additional costs
Staff
Sickness absence, accidents and the traffic risk.
- Continued pay for 104 weeks
- Group personal accident
- WEGAS for traffic risks
What is covered
| Situation | AVB | BAV | Cyber |
|---|---|---|---|
| Injury to a visitor or customer | Yes | No | No |
| Damage to a client's property | Sometimes | No | No |
| Financial loss caused by an advisory or calculation error | No | Yes | No |
| Downtime after a ransomware attack | No | No | Yes |
| Data breach involving personal data | No | Sometimes | Yes |
| Damage to property in your care | No | 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?
- Number of sites managed. How many buildings you serve and how large the stock of keys and codes is.
- Type of services. Window cleaning and facade maintenance at height carry more weight than interior cleaning at ground level.
- Care, custody and control limit per event. Matched to the value of the contents at the most expensive site you attend.
- Key loss cover. Whether or not it is included, and with what limit per master suite.
- Hired-in staff. Agency workers, self-employed cleaners and subcontractors all count towards the payroll.
- Type of environment. Working in data centres, laboratories or care institutions brings higher consequential loss than office cleaning.
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.
Keys and codes are a separate type of loss
Losing a key from a master suite does not result in damaged property but in the cost of replacing cylinders throughout a building. That is pure financial loss and falls outside ordinary liability cover. Ask for key loss cover with a limit that matches the largest master suite in your portfolio, and record who holds which key.
Damage to the surface you are treating
The wrong cleaning agent on natural stone, too much pressure on pointing or an abrasive pad on coated aluminium causes damage to exactly the thing you were hired for. Damage to the item you are working on is excluded on virtually every policy, or covered only under care, custody and control, with its own limit. So work with recorded cleaning instructions for each site.
A visitor slipping on your wet floor
As soon as you mop in a public space you create a hazard you have to screen off. If the warning is missing and someone falls, injury liability follows under Article 6:162 of the Dutch Civil Code, along with an argument with the building manager about who should have cordoned off the area. Set out in your work instructions that signs stay in place until the floor is dry, and photograph that during major cleaning rounds.
Hired-in labour, agency workers and work passed on
Facilities contracts are often passed on to subcontractors or filled with agency workers. You are liable for subordinates under Article 6:170 of the Dutch Civil Code, and for non-subordinates carrying out your business activities under Article 6:171 DCC. Declare hired-in workers to the insurer. If they are left out of the declaration, the payroll figure is too low and the payment can be reduced proportionally.
Frequently asked questions
This is what people ask us most.
Is damage to my client's contents covered?
Only with a care, custody and control module. Standard liability cover excludes property in your custody, and in facilities work that is virtually everything around you. The limit has to match the most expensive site in your portfolio, not the average. Report it when you add a building with costly equipment to your list.
Who pays for rekeying after a key is lost?
Without separate key loss cover, you do. It is pure financial loss: nothing is damaged, but the master suite is no longer reliable. Liability policies do not cover that type of loss as standard. So ask expressly for this extension and match the limit to the largest master suite for which you hold keys.
Am I liable for a subcontractor I bring in?
Towards your client, usually yes. Article 6:171 of the Dutch Civil Code makes you liable for mistakes by non-subordinates carrying out work that forms part of your business activities. Your client therefore does not have to approach the subcontractor. So check whether the subcontractor has its own cover and whether your policy includes third parties you engage.
Am I covered if I work outside office hours?
Yes, provided those working hours have been declared. Evening and night work without the client's own staff present does change the risk profile: there is no supervision and access runs entirely through your keys. Insurers sometimes attach conditions to that, for instance about alarm response and recording the issue of keys.
Every situation is different. For these situations we have a separate page.
- Finance: we refer you onThe main page
- Buy-to-let mortgageInvestment property, rental income, insurance
- Financing commercial propertyAssessment, vacancy, security
- Insurance for financial service providersProfessional indemnity, cyber, financial services
- Financing property outside the bankAlternative lenders, conditions, security
- Insurance for trade and servicesStock, advice, liability
- Insurance for financial servicesDuty of care, supervision, long tail
- Insurance for property managersManagement, keys, liability
- Insurance for the rail sectorCertification, taking out of service, consequential loss
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.