Liability
- Damage to third parties
- Employers' liability
- Care, custody and control as an extension
Glass insurance for property
With let property the first question is not what is covered, but who has to insure the glass under the lease.
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Work out for yourself what it would cost.
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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
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
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- Help with claims
In brief
There is no general rule for glass in let property. For commercial premises the standard lease models usually place the glass with the tenant, but that is contractual and not a rule of law: the parties may agree otherwise. For residential property glass repair falls in principle among the minor repairs for the tenant's account, following Article 7:217 of the Dutch Civil Code and the decree made under it.
In a portfolio all of this gets mixed up. Contracts from different years, buildings in mixed use, a property you took over with sitting tenants: the division differs from one property to the next. As long as nobody records it, it only emerges after a breakage that the tenant assumed you had arranged it and you assumed the opposite.
This page is about the contract and portfolio side. If you want to know what technically falls within the cover, which glass counts and how repairs are paid for, see glass insurance for property.
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What does glass insurance for property 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 buildings and total glass area. The size of the portfolio and the combined glass area form the basis of calculation.
- Use of each property. Shop, office, hospitality or residential: the mix in your portfolio determines the average risk.
- Vacancy in the portfolio. Buildings without a tenant increase the risk of vandalism and call for a separate arrangement.
- Division with tenants. Whether you include tenants' glass or only the glass that is contractually yours.
- Claims history across the portfolio. Insurers look at the number of breakages per year across the whole, not per building.
- Excess per event. A higher excess keeps small panes out of the policy and dampens the premium across many properties.
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.
Record for each building who insures
Go through your leases and note for each property who insures the glass and up to what amount. For commercial premises that obligation usually sits with the tenant. For residential property it follows from Article 7:217 of the Dutch Civil Code that minor repairs are for the tenant. Where an old contract departs from that, the old contract prevails. Put the result into a single overview, so that after a breakage it is immediately clear who reports it.
One cover across the portfolio calls for an up-to-date address list
If you insure the glass of several buildings on one policy, the address list is the heart of the contract. A building you have bought but not yet added is not covered; a building you have sold you go on paying for. Report purchases and sales, divisions into flats and changes of use to the insurer. A building standing empty temporarily between two tenants also deserves a separate notification.
Insured twice does not mean paid twice
If the tenant has taken out glass cover themselves and you also include the glass on your policy, there is double insurance. Article 7:961 DCC then governs the division between the insurers, and Article 7:960 DCC provides that you never receive more than the loss. So you pay two premiums for one payment. Agree who insures the glass when the lease is entered into.
Divided property, the VvE and your owner's interest
If you own flats in a divided building, the VvE usually insures the common facade and glazing. What you have installed in your own part (a new shop frontage, a draught lobby, a glass internal wall) is your owner's interest and falls outside the joint policy. Check the deed of division regulations before you take out additional cover.
Frequently asked questions
This is what people ask us most.
Who insures the glass, the tenant or the landlord?
That follows from the lease. For commercial premises the standard models usually place the glass with the tenant. For residential property glass repair falls in principle among the minor repairs for the tenant, following Article 7:217 of the Dutch Civil Code. Agreements that depart from this prevail. So read the contract before you take out a policy yourself for glass that is not contractually yours.
Do I have to report a newly purchased building?
Yes. On a portfolio policy the address list is decisive. A building that is not on it is not insured, even though the policy runs on as normal. So report purchases, sales, divisions into flats and any change of use or tenant. We keep track of those changes, so that no uninsured period arises between completion and the building being added.
What if my tenant also has glass cover?
Then there is double insurance. The two insurers divide the loss between them under Article 7:961 DCC, but you never receive more than the actual loss. That follows from Article 7:960 DCC. So two premiums are paid for one payment. Agree who insures the glass when the lease is signed and record it in writing.
How does it work with divided property and a VvE?
The VvE usually insures the building including the common glazing. What you have installed within your own flat, such as a new frontage or a glass draught lobby, falls outside it and is your owner's interest. Ask for the policy and the deed of division regulations and insure only the difference, so that you do not end up insured twice.
Every situation is different. For these situations we have a separate page.
- Buildings insurance (opstalverzekering) and commercial buildings insurance (gebouwenverzekering): the same or not?The main page
- Glass insurance: types of glass and equivalent repairLease, shop windows, emergency boarding
- Glass insurance for businessesShop window, lease, emergency boarding
- Compare glass insuranceLease, glass area, emergency boarding
- Glass insurance for propertyLet buildings, who pays, emergency boarding
- Glass insurance for a VvECommon glass, private windows, emergency boarding
- Glass insurance for offices, flats and homes that are letLetting, common glass, breakage
- Glass insurance for propertyBreakage, facade and roof, let property
- Buildings insurance for propertyPortfolio, loss of rent, vacancy
Read more
Within Opstalverzekering gebouwenverzekering
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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.