Assembly and dismantling · glass and terrace · short trading season
Insuring a beach pavilion for the season through OOM Verzekeringen
A seasonal pavilion exists for only part of the year. It is precisely the weeks in which it is put up, taken down and stored that fall outside cover on most policies.
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- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Een strandpaviljoen voor het seizoen 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
We place business through OOM Verzekeringen among others and compare more than thirty insurers objectively. For pavilions that are put up and taken down each year we look for insurers that can work with a seasonal arrangement. A year-round pavilion is assessed quite differently. The general set-up and the difference between the two forms are set out on the page buildings insurance for beach pavilions and in the overview insurance for beach pavilions.
What sets it apart is the seasonal cycle. In spring the structure is placed on piles or a concrete base, the glazing is fitted, the kitchen connected and the terrace laid out. In autumn it all comes off again and disappears into a shed. On almost every policy, damage during assembly, dismantling, lifting and transport is excluded, and the period in storage often falls outside cover as well or calls for a separate arrangement. This is not a marginal case: it is precisely when large glass panels and roof sections are being placed that damage occurs. Have it recorded who covers which phase, you or the contractor.
This is also a hospitality business with a kitchen. The fire load of a fryer and an extraction system is the same as in a canal-side building, but here it sits in a timber structure with no neighbours and limited access for the fire service. For the fittings you need a business contents insurance, for injury to guests and staff a liability insurance, and for the loss of the weeks in which you earn your annual turnover a business interruption insurance.
This page deals with one situation. The full overview is on Compare buildings insurance (opstalverzekering).
What to look out for
Four points where a seasonal pavilion differs from fixed hospitality premises.
The period of cover must match
If your policy runs from 1 April to 1 October while you start building in March and are still dismantling in November, there are two uninsured margins. Agree a period of cover that includes the construction weeks, or arrange separate erection cover for that phase. Check as well whether the foundations, the piles and the concrete base are insured all year round, because they stay behind on the beach.
Glass, terrace and awnings
The large glazed fronts are the most expensive and most vulnerable part. Glass breakage is often excluded on a buildings policy and calls for a separate glass insurance. For terrace furniture, parasols, windbreaks and awnings, damage by storm and wind to items situated outside is usually not covered. Build into your working practice that loose items are brought inside when wind is forecast, and record that this was done.
Evacuation instructions and anchoring
In severe weather warnings the local authority, the water board or the beach operator issue instructions on securing or clearing the site. Insurers tie cover to those instructions. If an instruction is not followed and the terrace blows away, the claim will be declined. damage by flooding, spring tides and the overtopping or failure of a sea defence is excluded as standard, as is deterioration of the structure through salt and wind-blown sand.
Loss of turnover does not fit into six months
If the pavilion burns down in July, the season is over and rebuilding will not follow until the spring. Business interruption cover with a short indemnity period is no help then: you lose not six weeks but the rest of the summer and the run-up to the following season as well. Calculate the period on the basis of construction time, permits and the point at which you can open again. The cost of cancelling bookings and events falls outside it as well.
What does your premium depend on?
- Length of the season: the number of months the structure is in place
- Method of construction and anchoring: timber frame on piles or a heavy concrete structure
- Area of glazing: this determines the glass section
- Kitchen and cooking method: deep fryers and extraction determine the fire load
- Rebuild and fitting-out value: the basis for buildings and business contents separately
- Storage out of season: where the dismantled sections are kept and how they are secured
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | During the season | During assembly, dismantling and storage |
|---|---|---|
| A fire starts in the fryer on a busy summer evening | Yes | No |
| A glass panel breaks as it is lifted into place by crane in March | No | Provided that |
| A break-in at the shed where the dismantled sections spend the winter | No | Provided that |
| The piles and the concrete base are damaged by a winter storm while the pavilion is dismantled | No | Provided that |
| A burst pipe floods the kitchen floor during the season | Yes | No |
| At spring tide the sea overtops the defence and undermines the structure | No | No |
Make the period of cover match the construction weeks and report the storage address separately, otherwise you are left with two uninsured margins each year.
Frequently asked questions
This is what people ask us most.
Is the assembly in spring insured?
Usually not on the ordinary policy. Assembly, dismantling, lifting and transport are excluded events. If you work with a contractor, that phase may fall under their erection cover; have this confirmed in writing before the first panel is placed. If you do the work yourself, separate erection cover is needed, otherwise you bear any damage in those weeks entirely yourself.
What happens to the items in winter storage?
Dismantled sections, furniture and equipment are away from the risk address and therefore do not fall under the pavilion policy. Report the storage address separately and check whether cover applies there for fire, water and theft. If the storage provider only rents out space, it is rarely liable for your property; read the conditions of the storage contract.
I have a temporary permit for the site. Does that matter?
Yes. An insurer wants to know whether the pavilion may be rebuilt after a total loss. If the site permit expires within a few years or renewal is uncertain, that affects the basis of settlement: rebuild value or sale value. The non-renewal of a permit is not itself an insured peril and so never gives rise to a payment.
Who is liable if a guest falls on the terrace?
As the operator you must, under Article 6:162 of the Dutch Civil Code, provide a safe situation: level decking, lighting after dark, no trailing cables. As the owner of the structure, Article 6:174 DCC also applies to defects in the construction. Both claims run through public and employers’ liability insurance (AVB) and not through the buildings or business contents cover.
Read more
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