Structures on the site
- Fire, explosion and lightning strike
- Storm and hail damage to roofs
- Damage from forced entry to buildings
- Fixed installations and pipework
Campsite and park · season · business interruption
Buildings insurance (opstalverzekering) for a leisure business
A leisure business rarely consists of a single building. The reception, sanitary block, catering area, shed and rental accommodation each have their own use and therefore their own risk on the policy.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Opstalverzekering voor een recreatiebedrijf.
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.
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.
In brief
At a campsite, holiday park or day leisure business, the buildings policy insures the buildings: the reception and canteen, the sanitary block, the catering area, stores and workshops, and the fixed installations such as electrics, water supply and heating. Site features such as hard surfacing, lighting and fencing can be included as well. Movable property — kitchen equipment, furniture, play equipment, machinery — belongs on the business contents and goods insurance.
Rental accommodation needs attention. Fixed chalets and holiday homes on foundations are often regarded as buildings, while static caravans and movable units are treated by many insurers as movable property or under a separate section. If they belong to guests, those guests insure them themselves and your only interest is your liability as the possessor of the structure (Article 6:174 of the Dutch Civil Code).
The business activity on the policy has to cover the full use. A park insured as a camping site but which also runs a restaurant, a swimming pool and a rental fleet has been incompletely declared. That touches Article 7:928 of the Dutch Civil Code and Article 7:930 of the Dutch Civil Code. See also business buildings insurance.
What is insured at a leisure business?
The policy consists of the buildings, the consequential loss during the season and separate sections such as glass.
Business interruption
The loss of turnover when you cannot open, or can only open in part, in the high season.
- Ongoing fixed costs
- Extra costs to stay open
- An indemnity period geared to the season
- Always separate cover
Glass
Breakage of glass in the catering area, reception, sanitary block and rental accommodation.
- Glass breakage whatever the cause
- Emergency sealing after breakage
- Restricted outside the season
- Greenhouses and domes often excluded
What is covered
| Situation | Basic | Extended |
|---|---|---|
| Fire in the sanitary block | Yes | Yes |
| Storm damage to roofs and canopies | Yes | Yes |
| Frost damage to pipes outside the season | Provided that | Provided that |
| Loss of turnover in the high season | No | Provided that |
| A guest's static caravan | No | No |
| Settlement of the site or foundations | No | No |
Exactly which perils and which exclusions, limits and excesses apply is set out in the policy conditions and the insurance card (verzekeringskaart).
Four points for leisure businesses
These subjects determine whether the policy actually pays on a claim during the season.
Report all activities, not just the main one
Leisure businesses grow organically: the campsite gains a restaurant, the park a wellness area, the riding stable a function room. Every activity has its own fire and liability risk. If the policy states only the original business activity, the risk has been assessed incompletely. Under Article 7:928 of the Dutch Civil Code you have to report this, and under Article 7:930 of the Dutch Civil Code the insurer can reduce or refuse the payout where it has been concealed. Update the description each year.
Outside the season there is a vacancy
A park that is closed from November to March stands empty in the insurer's eyes. There is no supervision, a leak or frost damage is only discovered weeks later and the chance of burglary and vandalism rises. Most policies limit the cover during that period to fire, storm and explosion or set conditions: draining the pipes, switching off installations and a demonstrable inspection round. Record what you agree and keep a logbook.
What is not covered
Excluded from cover are, among other things business downtime without separate business interruption cover, settlement, subsidence and damage to foundations, defects caused by deferred maintenance and wear and tear, and design faults, for example to a canopy or play feature you built yourself. Intent and recklessness on the part of the insured are excluded under Article 7:952 of the Dutch Civil Code. Damage connected with use that differs from the declared trade description is also a ground for refusal in its own right, and guests' property is never covered by your buildings policy.
Business interruption works differently in a seasonal business
In a leisure business the loss is not spread evenly over the year: a fire in February costs little turnover, the same fire in June costs a whole season. So choose an indemnity period that runs at least through the following high season, because rebuilding with a permit procedure rarely makes the next summer. Support the turnover figures with the monthly figures from previous years, so that no argument arises about the period lost when you claim.
What does your premium depend on?
- Described business activity and activities — catering and wellness count heavily
- Number and construction type of the structures — masonry, timber or prefabricated
- Rebuild value per building — the basis of calculation
- Seasonal closure and supervision — vacancy increases the risk
- Prevention — firefighting equipment, electrical inspection, alarm
- Cover chosen — business interruption, glass, excess
Insurers weigh these details differently. That is why comparing pays off.
How we arrange it
- You request a quoteWe take stock of your situation, risk 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.
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.
Frequently asked questions
The questions we are asked most often about this.
Do static caravans and chalets fall under buildings insurance?
That depends on the construction and the ownership. A chalet or holiday home standing permanently on foundations is often classed as buildings. A movable static caravan usually counts as movable property and calls for a separate section or policy. Accommodation owned by guests is insured by them; you cannot include it on your policy.
Am I liable if a guest falls because of a loose paving slab?
Possibly. As the possessor of the structure you are liable under Article 6:174 of the Dutch Civil Code for damage caused by a defective building or site feature. That liability does not run through the buildings insurance but through public and employers' liability insurance (AVB). For a leisure business with a lot of visitors, that cover is at least as important as the buildings cover itself.
Is the swimming pool insured?
A fixed, in-ground pool with its associated plant room is usually insured as buildings or a site feature, provided you have declared it and included it in the sum insured. Inflatable and above-ground pools count as business contents. The plant itself, such as pumps, filters and dosing equipment, often falls under business contents or under separate machinery breakdown cover.
What happens with frost damage during the winter closure?
Frost damage to pipes is usually only covered if you took reasonable measures: draining the pipes or heating the building sufficiently. Many policies include an express clause about this for the period the business is closed. If you cannot show that you carried out the measures, the damage is often not paid or only paid in part.
Can I put all the buildings on one policy?
Yes, that is usual for leisure businesses. The schedule states for each building the use, the construction type and the sum insured. That makes clear which building carries which rate and prevents a catering area or store added later from remaining uninsured. Report new build and alterations straight away, even for a simple shed.
Read more
Similar pages
- Business buildings insurance (opstalverzekering) for your premises
- Buildings insurance (opstalverzekering) for your business premises
- Buildings insurance (opstalverzekering) for property owners
- Buildings insurance (opstalverzekering) through Allianz — compare & calculate your premium
- Why buildings insurance (opstalverzekering) is essential for your second home
- What does buildings insurance (opstalverzekering) cover and what does it not?
- Buildings insurance (opstalverzekering) for hotels
- Buildings insurance (opstalverzekering) for schools
Also relevant
Have your park reviewed?
Request a quote without obligation; we will go through all the buildings, the trade description and the seasonal conditions with you.
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 written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.