Zakelijke verzekeringen • Bedrijfspand & vastgoed • business building insurance
Business building insurance – your business premises and commercial building are properly insured
A business premises or commercial building is vaak één van de grootste investeringen in uw onderneming. Immediately business building insurance (also building insurance or commercial buildings insurance mentioned) you insure the property yourself – the muren, daken, vloeren, foundation en vaste installaties – against damage caused by brand, storm, Water damage, inbraak, vandalisme en andere onverwachte gebeurtenissen.
Finass Verzekert compares for you several commercial building insurers and states one tailor-made commercial buildings insurance samen, passend bij uw branche, bouwaard, rebuilding value en risicoprofiel. Zo bent u zeker van goede voorwaarden én een scherpe premie.
Business building insurance in brief
Immediately business building insurance you assure it business premises itself: de constructie en alles wat vastzit aan het gebouw. Denk aan muren, daken, ramen, vloeren, fundering en vaste installaties. Zonder deze Insurance kunnen de herstelkosten na brand of storm uw bedrijf zwaar treffen.
Protect your business premises against:
- Fire and explosion damage (fire, lightning strike, explosion).
- Storm and hail damage on the roof, facade, windows and siding.
- Water damage due to leaks, precipitation and outflowing tap water (depending on the policy).
- Burglary, theft and vandalism with damage to doors, windows and the building.
- Collision or collision against the building (for example by vehicles).
Finass Verzekert compares the business building insurance bij meerdere verzekeraars, zodat u voor uw business premises de best and most competitive premium with appropriate conditions.
Why commercial building insurance is indispensable
Protection of a large investment
Your business premises is vaak het onderpand voor de financiering en een essentieel onderdeel van uw bedrijfsvoering. Brand, storm of waterschade kan grote financiële gevolgen hebben. Met een business building insurance dekt u de kosten voor repair or rebuildso that your business can continue.
Condition of bank or landlord
With commercial mortgages, banks almost always require that you have a commercial buildings insurance sluit. Ook verhuurders kunnen eisen dat de opstaldekking goed is geregeld. Met een business building insurance voldoet u aan deze voorwaarden én voorkomt u discussies bij schade.
Peace of mind and continuity
If things go wrong, you want to move on quickly. Good home insurance ensures that repair costs and emergency facilities be reimbursed. In combination with a business interruption insurance the loss of turnover can also be absorbed. This is how you monitor the continuity of your company.
✔ Financial security in case of damage to your business premises
✔ Often required by bank, landlord or investor
✔ Indispensable basis within a complete package business insurance
What does commercial buildings insurance cover?
A business building insurance covers damage to the building itself and everything there permanently connected is. The precise coverage and exclusions vary per insurer; that's why independent advice important.
Building and construction
- walls, floors, ceilings and roofs;
- fixed facade cladding, windows, doors and frames;
- extensions and extensions, sheds, sheds and halls;
- foundation (often co-insured, depending on the policy).
Terraces, boundary fences and paving may also be (partially) insured.
Fixed installations and facilities
- central heating system, air conditioning and ventilation;
- electrical installations and distribution cabinets;
- lifts, roller gate installations and overhead doors;
- Solar panels and charging stations that are attached to or on the building (if specified).
Loose inventory and stock fall under a separate category inventory and goods insurance.
Insured events (example)
- fire, explosion and lightning;
- storm, hail and precipitation (according to policy conditions);
- water damage due to leakage and tap water;
- burglary damage, vandalism and collision;
- induction damage due to lightning strike (policy dependent).
What is often not or only partially insured?
- damage by overdue maintenance or construction defects;
- damage by illegal activities (e.g. hemp cultivation);
- damage by war, earthquakes or nuclear reactions;
- loss of turnover or profit (business interruption insurance necessary);
- damage to inventory and stock (own policy).
Finass Verzekert checks your policy coverage, exclusions and special clauses.
Reconstruction value, new value and reconstruction
The payment in case of damage is linked to the rebuilding value of your property:
- what will it cost to rebuild your building in the same condition;
- indexation based on construction cost development;
- agreements about underinsurance (guarantee against underinsurance where possible);
- compensation of clean-up and remediation costs (for example after fire).
Which additional business coverage is in addition to the home insurance?
inventory and goods insurance
Your Inventory (furniture, equipment, machines) and goods/stock vallen niet onder de opstal. Met een aanvullende inventory and goods insurance dekt u:
- damage to inventory due to fire, storm, burglary or water damage;
- damage to stock in warehouse or store;
- any cooling damage (depending on the policy).
business interruption insurance
After significant damage to the building, you may temporarily be unable to generate revenue. A business interruption insurance:
- reimburses the lost gross profit/sales after a covered event;
- covers ongoing fixed costs;
- makes it possible to get faster operational after an emergency.
Glass, liability and cyber coverage
- Glass insurance for windows, shop windows, conservatories and skylights.
- AVB (company liability) for damage you cause to third parties.
- Cyber insurance in case of digital damage that affects your business operations.
Finass Verzekert is happy to provide one complete insurance package together around your business premises.
Who is commercial building insurance suitable for?
Entrepreneurs with their own business premises
For example:
- office buildings and multi-tenant business buildings;
- shops and retail (such as butcher, baker, retailer);
- catering premises (restaurant, café, Hotel);
- practice rooms (care, advice, accountants).
Real estate owners and investors
For owners of:
- rented business premises and shops;
- warehouses, sheds and storage halls;
- commercial real estate at home and abroad (depending on the policy);
- vacant properties awaiting sale or rental (special conditions).
Foundations, associations and SMEs
Also for:
- association buildings, clubhouses and community centers;
- sports facilities, canteens and changing rooms;
- foundations with own building;
- SMEs that want to protect their growth.
Are you unsure whether your property is covered by a business building insurance or for example a commercial real estate or homeowners' association solution fall? Finass Verzekert is happy to assist you.
How much does commercial building insurance cost?
Your premium commercial buildings insurance depends on, among other things branche, bouwaard, rebuilding value, locatie en gebruik. Below are some indicative premium examples (for illustration purposes).
Premium examples for business building insurance (indicative)
| Type of company | Reconstruction value of building | BoYouraard | Indication of premium per month* |
|---|---|---|---|
| Catering - Restaurant | €600,000 | StA | ± € 124.33 |
| Retail – Butchery | €260,000 | StA | ± €21.03 |
*The above amounts are sample premiums en afhankelijk van uw exacte situatie, gekozen dekking, own risk en verzekeraar. Aan deze voorbeelden kunnen geen rechten worden ontleend.
Factors that determine the premium
- industry and business activities;
- reconstruction value and size of the building;
- construction type (stone, steel, wood, combustible materials);
- location and environmental risk (e.g. fire or burglary sensitivity).
Safety and prevention
- presence of fire and burglary protection;
- sprinklers, fire alarm system and compartmentalization;
- closing protocol, key and access management;
- maintenance of roof, installations and electricity.
Policy choices and package discount
- standard, comprehensive or all-risk coverage;
- height of it own risk per damage;
- combination with other business insurance (AVB, inventory, business interruption);
- see you 15% package discount for several categories via Finass Verzekert.
Curious about your premium?
Question one customized quote for your commercial building insurance.
Tips for choosing commercial building insurance
1. Report the correct use of the property
Always indicate clearly how the property is used:
- office, shop, catering, production, storage, healthcare, etc.;
- any secondary activities (e.g. online store with storage);
- rental or (partial) subletting.
Use partly determines the premium and acceptance by insurers.
2. Determine a realistic reconstruction value
A reconstruction value that is too low leads to: underinsurance en een te hoge waarde betaalt u onnodig aan Premium. Maak gebruik van:
- appraisal or reconstruction value meter;
- construction drawings and recent renovation costs;
- advice from your advisor or construction specialist.
3. Coordinate buildings, inventory and business damage
Good claims handling requires a logical coherence between:
- building insurance (building);
- inventory and goods insurance;
- business interruption insurance.
Finass Verzekert looks at your total risk profile and prevents double or missing coverage.
Frequently asked questions about commercial building insurance
What exactly is commercial buildings insurance?
A business building insurance is an insurance for your business premises or commercial building. U verzekert de opstal: het gebouw en alles wat daar vast aan zit, zoals muren, daken, ramen, vloeren, fundering en vaste installaties. De Insurance dekt schade door onder meer brand, storm, inbraak, vandalisme en waterschade, volgens de voorwaarden van uw polis.
Is commercial buildings insurance mandatory?
You are not always legally obliged to do so business building insurance af te sluiten. In The praktijk stellen banks when financing commercial premises and sometimes also landlords of investeerders deze Insurance wel verplicht. Onafhankelijk van verplichting is het sterk aan te raden uw pand te verzekeren, omdat de herstelkosten bij brand of storm zeer hoog kunnen zijn.
What is the difference between buildings, inventory and goods?
The buildings is het gebouw zelf en alles wat vast zit in or aan het gebouw (muren, daken, installaties). Inventory zijn de Commerciale inrichting en hulpmiddelen, zoals kantoormeubilair, machines en apparatuur. Goods zijn uw handelsvoorraad, grondstoffen en halffabricaten. Voor inventaris en goederen sluit u aparte verzekeringen af; die vallen niet standaard onder de Building insurance.
Is the foundation of my business premises also covered by buildings insurance?
In many business home insurance policies, the foundation meeverzekerd, maar dit is niet altijd automatisch het geval. Soms gelden beperkingen of bijzondere voorwaarden. Finass Insures kijkt voor u na of uw huidige of nieuwe polis funderingsschade dekt en adviseert over een passende oplossing.
Are my solar panels and charging stations included in the insurance?
Solar panels and charging stations die vast op of aan het gebouw zijn bevestigd, kunnen in veel gevallen binnen de business building insurance worden meeverzekerd, mits deze bij de verzekeraar zijn opgegeven. Zonnepanelen op een andere locatie of losstaande installaties kunnen soms apart verzekerd worden. Vermeld deze voorzieningen altijd bij de offerte-aanvraag.
I rent out my business premises. Do I also need commercial buildings insurance?
Yes. If owner-landlord bent u verantwoordelijk voor het verzekeren van de opstal. Uw huurder verzekert zelf de inventaris, goederen en Business damage. Voor rented business premises gelden soms aanvullende voorwaarden, bijvoorbeeld over gebruik of leegstand. Finass Verzekert heeft specifieke oplossingen voor verhuurd en leegstaand commercial real estate.
Am I also insured against loss of turnover with a business building insurance policy?
No, loss of turnover or loss of profit is not covered by building insurance. There is one for that business interruption insurance nodig. Deze keert (onder Conditions) de gemiste brutowinst en doorlopende kosten uit na een gedekte gebeurtenis, bijvoorbeeld brand of stormschade aan uw pand.
How do I prevent underinsurance of my business premises?
Underinsurance means that your property is insured for too low a value. To prevent this:
- let the rebuilding value determine via a reconstruction value meter or appraisal;
- report renovations and extensions to your advisor in a timely manner;
- Choose - where possible - for a policy with guarantee against underinsurance.
Finass Verzekert helps you determine a realistic sum insured and monitor it.
What information is required for a commercial building insurance quote?
For a competitive and appropriate quote, we ask, among other things:
- address and use of the building (industry, activities);
- year of construction, type of construction and surface/volume;
- indication of the rebuilding value (or a recent valuation report);
- information about installations, solar panels and charging stations;
- possible rental or vacancy;
- safety and prevention measures (fire and burglary protection);
- desired coverage, deductible and any additional insurance.
On this basis, Finass Verzekert compares different options commercial building insurance en ontvangt u A helder voorstel op maat.
Want to take out business building insurance? Request a customized quote
Do you want your business premises, office, shop, warehouse or other commercial building goed en scherp geprijsd verzekeren? Finass Insures helpt u met een tailor-made business building insurance, afgestemd op uw branche, rebuilding value, bouwaard, locatie en risicoprofiel.
Request a quote for commercial building insurance
Would you prefer direct personal contact? Call 072 – 509 24 56 or email to info@finass.nl. Wij nemen Your situatie rustig door en adviseren welke commercial buildings insurance het beste bij Your onderneming past.
