Risk review
- Activities and clients' requirements
- Staff, hired-in workers and subcontracting
- Equipment, stock and locations
Review · insured capacity · sums insured
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.
Deze pagina in het Nederlands: Zakelijke verzekeringen op maat voor uw bedrijf.
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.
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
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.
Three steps determine what your policies look like.
Your activities, contracts and possessions determine which covers make sense.
The sums insured and limits are evidenced for each part.
What changes in your business has to change on the policy schedule too.
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.
Two points that determine whether your package stands up when you claim.
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 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).
Insurers weigh these details differently. That is where your saving is.
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.
This is what people ask us most.
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.
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.
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.
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.
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.
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.
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Finass Verzekert is een handelsnaam van Finass Advies B.V.
KvK-nummer 37131781
Maandag - Vrijdag: 09:00 - 17:00
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