Clauses · prevention · risk address
Business contents and goods insurance through Klaverblad
With this policy the answer to a claim is rarely in the description of cover. It is in the clauses about locks, alarms, electrics and storage.
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Deze pagina in het Nederlands: Inventaris- en goederenverzekering via Klaverblad.
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 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.
In brief
The business contents and goods insurance covers your business assets and stock at the address stated on the policy. Finass arranges cover through providers including Klaverblad and compares that objectively with more than thirty other companies. Which provider ultimately fits best depends on your activity, your premises and the prevention measures you can demonstrate.
What determines this policy in practice are the warranty and prevention clauses. A burglary prevention clause prescribes which locks and fittings must be present; an alarm clause requires a certified system with response. An electrical clause calls for periodic inspection of the installation. A clause is not advice but a condition: if it has not been complied with at the time of the loss, the right to payment for that event lapses.
You also choose a type of cover. Basic cover is confined to fire, explosion, lightning strike, storm and aircraft. An extended form adds burglary, water, impact, smoke and vandalism. Both forms exclude the same things: inherent defect, wear and tear, gradual effects, vermin and mould, and in addition flooding from a primary flood defence, earthquake, acts of war and nuclear reactions.
This page deals with one situation. The full overview is on Compare business contents insurance.
What to look out for
Four subjects that determine whether a claim is paid or refused.
Key management and alarm response
After a burglary, insurers assess not only the traces but also whether the alarm was set and whether response was arranged. Who manages the codes, who locks up, what happens on a fault alert? Record that and update it after staff changes. A key still held by a former employee undermines the whole prevention clause.
Electrics, batteries and solar panels
A large share of business fires begins at the electrical installation. Policies therefore require an periodic inspection of the installation, often to NEN 3140, and set conditions for charging lithium batteries and for solar panel inverters. Keep the inspection reports and put right the defects found. A report without follow-up does not count as compliance.
Storage of flammable substances and waste
Clauses prescribe how far from the facade waste containers and pallets may stand and how flammable liquids are kept. Arson via a container against the facade is a common cause and at the same time the most common reason a clause has not been complied with. Smoking bans and hot work are governed in the same way.
Property temporarily elsewhere
The cover belongs to the risk address. Business contents at a trade fair, in external storage or left at a customer's premises fall outside it in principle. Some conditions have a limited extension for property temporarily elsewhere within the Netherlands, with its own maximum and a time limit. Check what that limit is before you move anything.
What does your premium depend on?
- Sum insured: business contents and stock, each with its own amount
- Activity in the premises: processes involving fire, heat or solvents
- Construction type and compartmentation: materials of walls and roof, and fire separations
- Security level: locks and fittings, alarm class and response
- Type of cover: basic perils or extended perils
- Excess per event: a higher excess lowers the premium
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Basic | Extended |
|---|---|---|
| A lightning strike sets the meter cupboard alight and the smoke spreads through the workshop | Yes | Yes |
| A storm lifts part of the roof and the stock underneath gets wet | Yes | Yes |
| Burglars take the stock away through a forced back door | No | Yes |
| A leaking pipe on the floor above soaks your showroom | No | Yes |
| Your business contents spend a week at a trade fair and are damaged there | No | No |
| An old freezer cabinet fails through inherent defect and the stock spoils | No | No |
Both forms stand or fall on the clauses about locks, alarms and electrics included on your policy schedule.
Frequently asked questions
This is what people ask us most.
What exactly is a warranty clause?
A clause in which you undertake that a particular situation is in order: an alarm class, a locking regime, an inspection. Insurers attach a sanction to it: on non-compliance there is no right to payment for damage connected with that clause. Read them at inception and report it immediately if you cannot comply, and a different arrangement can be made.
The alarm was not set during the burglary. What now?
Then the claim is in principle refused to the extent the alarm clause applies. The insurer may rely on it, even where the alarm might not have prevented the burglary. Argument can arise about whether the failing actually influenced the loss; have that assessed before you let the matter rest.
Are business contents at a trade fair or at a customer's premises insured?
Not without an additional arrangement. The policy covers the address declared; beyond that at most a limited extension for property temporarily elsewhere applies. If it concerns equipment that regularly travels, electronics or transport cover is more appropriate. Report demonstration material and trade fair stock in advance, and the size of the risk is known.
Is the sum insured adjusted automatically?
Many policies have indexation, whereby the sum insured moves each year with an index figure. That absorbs price rises, but not your own expansion. If you buy additional machinery or your stock grows, report it. Otherwise underinsurance means that even a small claim is reduced proportionately, something Article 7:960 of the Dutch Civil Code does not put right.
Read more
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