Let buildings · who pays · emergency boarding
Glass insurance for property
With let property the first question is not whether glass is insured, but who insures it. The lease determines that, and it is by no means always clearly stated there.
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Deze pagina in het Nederlands: Glasverzekering vastgoed.
Calculate your premium or request a quote
Without obligation; a reply within one working day.
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 your own premium with the calculator.
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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.
In brief
Glass breakage in a let building can sit with the owner or with the tenant. What applies follows from the lease; in many contracts glass is an obligation of the tenant, in others of the landlord.
For an owner with several buildings, collective glass cover is almost always cheaper and simpler than arranging it property by property or tenant by tenant.
This page deals with one part. The overview of all parts is on the main page on property insurance.
What to look out for
Record who insures it
Uncertainty leads to a gap: both parties assume the other has arranged it. Set it out expressly in the lease.
Collective cover for the portfolio
One glass cover across all properties is cheaper and saves administration when tenants change.
Emergency boarding matters for shops
For retail premises, speed is the whole point. Ask about the guaranteed response time of the boarding-up service.
Signage and advertising
Film, the business name and signage on the pane are not covered as standard. Usually those are the tenant's concern.
What determines the premium
- Number of panes and surface area
- Type of glass — insulating, toughened or laminated
- Type of properties — shop, office or home
- Location
- 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.
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.
Frequently asked questions
Who insures the glass in a let building?
That follows from the lease. In many contracts it sits with the tenant, in others with the landlord. Set it out expressly.
Is collective cover cheaper?
With several properties it almost always is, both in premium and in administration when tenants change.
Are the vehicle graphics covered as well?
Usually not as standard, and it is generally the tenant's concern. On a large shop window it can be a considerable amount.
How quickly is a broken pane boarded up?
That depends on the emergency service. For retail premises the response time is the most important part of the policy.
What is covered and what is not
What is covered
| Situation | Glass cover | Buildings insurance (opstalverzekering) |
|---|---|---|
| A shop window is broken during an attempted burglary at night | Yes | No |
| Rain comes in through the broken window and the floor warps | No | Yes |
| Hail smashes the roof light on the flat roof | Provided that | Yes |
| There is condensation between the panes of the insulating glass in an office frontage | No | No |
| A tenant runs a pallet truck into the frontage and shatters it | Yes | No |
| The contractor breaks a pane during a facade renovation | Provided that | No |
Who pays the premium follows from the lease; what is paid out follows from the policy, and the two do not automatically match.