Risk review
- Activities and clients' requirements
- Staff, hired-in workers and subcontracting
- Equipment, stock and locations
Business insurance tailored to your company
A tailored package starts with your activities, not with a list of products. Below you can read which details determine the cover and where each business policy stops.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
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.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
Tailored means three things: the description of business activity matches what you actually do, the sums insured are evidenced and the excesses match what you can carry yourself. It is on those points that standard packages most often come unstuck, not on the premium.
We start with a review: which work do you carry out, under what contracts, how many staff and hired-in workers, what equipment and what stock, and how long can you stand still. From that it follows which covers are needed: liability, business contents and goods, business interruption, legal expenses, sickness absence and vehicles.
Then we test the assumptions. Is the business contents value still right after an investment? Is work abroad included? Does the policy show care, custody and control cover if you work with other people's property? And what stays outside the cover? You would rather hear that in advance than at the first claim.
Insurance that matches your sector
Every sector carries its own risks. We translate those into cover that genuinely fits what you do day to day, rather than a standard package that just happens to apply to your business too.
SectorsPhoto coming soon
TailoredPhoto coming soon
CoverPhoto coming soon
How a package is put together
Three steps determine what your policies look like.
Sums and limits
The sums insured and limits are evidenced for each part.
- Business contents and goods value
- Limit per claim and per year
- Indemnity period for business interruption
Maintaining the policy
What changes in your business has to change on the policy schedule too.
- Reporting changes in activities
- Annual review of the sums
- Support when you claim
What is covered
| Situation | Standard package | Bespoke |
|---|---|---|
| Insured capacity matched to the work you actually do | Provided that | Yes |
| Sums insured tested against business contents and turnover | Provided that | Yes |
| Work or supply abroad | No | Provided that |
| Care, custody and control: damage to someone else's property in your charge | No | Provided that |
| Fines and penalty payments from a regulator | No | No |
| Loss already known about when you applied | No | No |
What is actually covered is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive before you take out cover.
What does your premium depend on?
- Activities: business activity and risk class
- Turnover and payroll: the basis for many covers
- Sums insured: business contents, goods, limits
- Excess: higher risk, lower premium
- Prevention: security, fire and back-ups
- Claims history: the number and nature of claims
Insurers weigh these details differently. That is where your saving is.
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.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
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.
What a tailored approach does and does not solve
Two points that determine whether your package stands up when you claim.
Giving correct information is your own responsibility
We ask the questions, the answers come from you. Under Article 7:928 of the Dutch Civil Code you have to disclose, when taking out the policy, everything relevant to the assessment of the risk: activities, claims history, earlier refusals and any criminal record. If that information turns out to be incorrect, the insurer can reduce or refuse the payment (Article 7:930 of the Dutch Civil Code).
A tailored approach moves the limits, it does not erase them
A tailored package still has fixed exclusions. Not covered are intent and wilful recklessness (Article 7:952 of the Dutch Civil Code), fines and penalty payments, wear, deferred maintenance and gradually operating influences, and the redoing or refunding your own work. Contractual liability going further than the law, and loss already in issue when the policy was taken out, also stay outside the cover. Report a claim as soon as reasonably possible (Article 7:941 of the Dutch Civil Code).
Frequently asked questions
This is what people ask us most.
What do you need from me for a quote?
A description of your activities, the Chamber of Commerce number, the annual turnover and payroll, an indication of the business contents and stock value, and the requirements set by clients or a landlord. If you already have policies, the policy schedules are useful: with them we compare cover and exclusions instead of just the premium.
Can I take out covers separately or does it have to be a package?
Either is possible. A package gives one start date, one policy schedule and usually a package discount. Separate policies give more freedom to switch part by part. More important than the form is that no gap falls between the policies, for instance between liability, care, custody and control and the cover on your equipment.
What happens if my business grows?
Report the change. More turnover, extra staff, new premises or new activities change the risk and therefore the cover. Insurers often work with an adjustment based on actual turnover or payroll. Without a report, a claim may fall outside the insured capacity or above the limit.
Do you also help when I claim?
Yes. We take the notification, check which policy the loss falls under and stay in contact with the claims handler. Always report a loss as soon as possible and gather evidence: photographs, quotations, correspondence and, for theft, a police report. Late notification can adversely affect the handling and the payment.
Every situation is different. For these situations we have a separate page.
- Business interruption insurance by sectorThe main page
- Business insurance at a glanceLiability, assets, continuity
- Business insurance by sectorInsured capacity, sector, risk class
- The process operator and their insuranceProcess industry, 6:162 BW, care, custody and control
- Insurance for media and journalismPublication risk, AVB, cyber
- Zip insurance: what does it mean?Confusion over names, compulsory, recommended
- What you may expect from Finass VerzekertAdvice, intermediation, claims support
- Personal insurance with FINASS VerzekertHome, motoring, liability
- Working with us as a business, organisation or referrerObjective analysis, a fixed point of contact, AFM 12016589
Want your package reviewed?
Request a quote without obligation. We check cover, sums and exclusions.
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 compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.