Volunteers · canteen · hire to third parties
Insuring a clubhouse through OOM Verzekeringen
A clubhouse is run by people who do it alongside their jobs. That is the heart of the risk: heavy use, changing supervision and a canteen that is open in the evening.
- 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: Een clubgebouw verzekeren via OOM Verzekeringen.
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.
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
Finass acts as an intermediary for the range offered by OOM Verzekeringen and by more than thirty other companies. For club buildings we look at parties used to premises without commercial operation but with many visitors. The choice follows from the construction, the use and the canteen, not from a fixed preference. For the structure of the cover, the buildings insurance is the starting point. If the building stands on a holiday park, look also at the buildings insurance for a holiday business.
What distinguishes a clubhouse is that it is run by volunteers. They open and close, work behind the bar, do minor maintenance and switch the heating off afterwards. That is not a criticism, but it does mean that fixed procedures are lacking. Insurers therefore ask about key management, about who supervises at night and about the condition of the electrical installation. The association's liability for volunteers' mistakes runs through Article 6:162 of the Dutch Civil Code and, for people working under its direction, through Article 6:170 of the Dutch Civil Code. Those claims belong on a liability insurance for an association.
As possessor of the building, the association is liable under Article 6:174 of the Dutch Civil Code for damage caused by a defect: a loose roof sheet, a sunken paving slab at the entrance, a stand that gives way. That applies even where nobody did anything wrong. Board members also run a personal risk in the event of improper management. For that there is directors' and officers' liability insurance. The buildings policy covers neither.
This page deals with one situation. The full overview is on Compare buildings insurance (opstalverzekering).
What to look out for
Four points on which associations regularly come unstuck when they claim.
The canteen is a hospitality risk
A fryer, a grill, an extractor hood with grease build-up and refrigeration running day and night: that is the same fire load as a small hospitality business. Insurers set requirements on cleaning the extraction duct, on a fire blanket or extinguishing system and on switching off equipment after closing. Fire caused by an inadequately cleaned grease extraction system is a classic ground for refusal, as is damage from an appliance left switched on.
Hire to third parties changes the policy
Many associations hire out the hall for parties, meetings or a course. That is a different use from association activity and must be reported under Article 7:928 of the Dutch Civil Code. Damage caused by hirers is also often covered only to a limited extent, and wilful damage by visitors is regularly excluded. For a one-off large event, a events insurance the appropriate route.
Contents are not included
Buildings cover concerns the building. Furniture, sound equipment, sports equipment, trophy cabinets and the beer dispensing system fall outside it and require a separate business contents section with a realistic sum. Bear in mind as well the belongings of members kept in the building: those are not the property of the association and do not fall under your policy. Set out in the internal rules that you do not accept responsibility for them.
Out of season it stands empty
A clubhouse barely used from November to March goes for months without supervision. Where a building actually stands empty, insurers often limit cover to fire, storm and explosion and drop burglary, water damage and vandalism. Frost damage to pipes that have not been drained is usually excluded where the building is left unheated. Agree who inspects during that period, and record those visits.
What does your premium depend on?
- Construction type and roof covering: masonry with a hard roof covering weighs differently from timber or thatch
- Presence of a canteen or kitchen: deep fryers and extraction determine the fire load
- Intensity of use: evening use, weekend use and hire to third parties
- Rebuild value: the basis for the buildings cover
- Location and supervision: a building at a remote sports complex is more attractive to thieves
- Security and inspection of installations: burglary provisions, smoke detection and the condition of the electrics
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Basic | Extended |
|---|---|---|
| Fire spreads from the equipment shed next to the clubhouse | Yes | Yes |
| A storm tears the roof sheets off the changing rooms | Yes | Yes |
| Burglars force the back door midweek and strip out the beer dispensing system | No | Provided that |
| A burst pipe in the changing room lets water run for a whole weekend | No | Yes |
| The sound system turns out to have disappeared after an evening the hall was hired out | No | No |
| The timber window frames have rotted after years without repainting | No | No |
Choose the perils on the basis of what can happen in the evening and out of season, because that is when nobody is in the building.
Frequently asked questions
This is what people ask us most.
Who is liable if a visitor trips over a loose paving slab?
The association, as possessor of the building and the grounds. Article 6:174 of the Dutch Civil Code places that liability with the possessor, even where nobody was negligent. This claim does not fall under the buildings policy but under liability insurance for the association. Keep a log of inspections and repairs, because that is the first thing asked for in injury claims.
Are volunteers covered?
For liability usually yes, provided the policy names volunteers as insured; check that expressly. For injury to the volunteer themselves it is different: that falls under employers' liability, where the duty of care in Article 7:658 of the Dutch Civil Code can also apply through paragraph 4 to people who are not employees. Many local authorities also have a collective volunteers' scheme; check whether it applies to you.
The building stands on land owned by the local authority. What does that mean?
Under a ground lease or a right of superficies you own the building and not the land. You then insure the building, and the local authority insures nothing. Check in the deed whether there is an obligation to rebuild and whether the building passes to the local authority when the right ends. That determines whether rebuild value or market value is the right basis.
Does every loss have to be reported, even a small one?
Report a loss as soon as you know of it. Article 7:941 of the Dutch Civil Code requires this and also requires you to cooperate with the investigation. In an association with changing board members that often goes wrong: someone notices a leak, does not report it, and months later the damage is far greater. Appoint one contact person to pass notifications on.
Read more
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