In a practice, the problem is not the purchase price but replaceability: equipment ordered to specification and calibrated is not back in place within a week.
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Work out for yourself what it would cost.
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We compare the offerings of several insurers
An adviser checks whether the cover suits your activities
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
The business contents of a practice consists of examination and treatment equipment, the treatment chair or examination couch, a steriliser, the fridge for medication, the IT hardware and the fit-out of the reception and waiting room. The goods are consumables and medication. The amount is often modest. The consequences of failure are not.
That is where a practice differs from a shop or office. Equipment is installed, connected and calibrated, and the delivery time for a replacement unit often runs into weeks or months. The policy pays for the property, not for the time during which you cannot treat patients. Also ask expressly whether recalibration and any required inspection after a loss are included in the payment; that is not a given.
Outside the cover remain: records, software and the cost of entering data again, medication that spoils after refrigeration failure without the spoilage section, patients' property in the waiting room, and wear and tear or inherent defect of equipment. If you work from home, declare that activity to your home insurer as well; that touches on Article 7:928 of the Dutch Civil Code.
What does business contents insurance cover for practices?
The structure of the cover in three parts, with an overview per situation below.
Your business assets
Business contents
Machinery, equipment, furniture and fixed fittings.
At replacement value as new
Fire, water and burglary
Tenant's improvements separately
Stock
Goods
Trading stock, raw materials and finished products.
Purchase value or cost price
Declare seasonal peaks
Spoilage as an extension
Optional
Extensions
What is excluded as standard.
Third-party property
Money and securities
Business interruption
What is covered
Situation
Business contents
Goods
Fire and smoke damage
Yes
Yes
Burglary with signs of forced entry
Yes
Yes
Water damage from a burst pipe
Yes
Yes
Customers' property being worked on
No
No
Spoilage due to refrigeration failure
Sometimes
Sometimes
Wear and deferred maintenance
No
No
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Delivery time determines the loss, not the purchase price
A made-to-order unit that has been set up and calibrated is not replaced from stock. Between the loss and restarting sit the quotation, delivery, installation and inspection. Match your business interruption insurance to that real timescale and not to a standard period. With the property cover, also ask whether the costs of reinstallation, recalibration and any mandatory inspection after a loss are included.
The fridge with medication and vaccines
A practice keeps products that only remain usable within a narrow temperature band. Spoilage is not an automatic part of the cover but a separate section, with requirements: a temperature alarm, a minimum duration of failure and demonstrable temperature records. Also note the difference between a fault in your own fridge and a failure of the public supply. Not every policy covers both situations.
A practice at home or in rented premises
Business assets do not fall under private home contents insurance, even if the treatment room is the former study. Declare the practice activity to your home insurer, otherwise an undeclared business activity also affects your household cover. If you rent premises, the fit-out you had installed yourself is your tenant's improvements and belongs on the policy as its own amount.
What is not included
Patient records, software and the hours spent entering data again are not property. There is data or cyber cover for that. Patients' property in the waiting room falls outside, as do wear and tear and inherent defect of equipment and spoiled medication without the section. Report claims within the period stated in the conditions and keep the faulty equipment until the loss adjuster has seen it (Article 7:941 of the Dutch Civil Code).
What does your premium depend on?
Nature of the equipment and delivery time. Specialist units with long delivery times weigh more heavily than standard business contents.
Share of electronics. Whether you take separate electronics cover alongside the property cover changes both premium and cover.
Type of location. An independent practice building, a health centre or a space in your own home.
Medication refrigeration and spoilage section. The presence of refrigerated products, temperature monitoring and the spoilage cover chosen.
Security and access. Alarm, medicine cabinet and who has access to the building outside practice hours.
Tenant's improvements and excess. The sum insured for the fit-out and the excess per event.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
You request a quoteWe take stock of your situation, your risk and your 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.
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.
Does the policy also pay for the weeks I cannot treat patients?
No. Business contents insurance pays for repair or replacement of the property itself. The turnover you lose while waiting for a replacement unit falls under business interruption. Choose an indemnity period there that matches the delivery time of your equipment, including installation and inspection. With specialist units that period is usually longer than owners assume in advance.
Is medication in the fridge included?
Only with the spoilage section. It sets requirements about temperature monitoring, alarms and the minimum duration of failure, and often distinguishes between a fault in your own fridge and an external power cut. Record the temperature demonstrably. Without logging it cannot be established afterwards how long and how far the temperature rose.
My practice is in my home. Is that sufficiently covered?
Not with home contents insurance alone. That covers private belongings. Your equipment, instruments and stock are business assets and fall outside. Take out commercial business contents insurance for them and declare the practice activity to your home insurer. An undeclared business activity is a well-known ground for refusing a claim for damage to the home itself.
Are lost patient records paid for?
Not by this insurance. Data is not property. The hardware is paid for, the reconstruction of records is not. There are cyber and data covers for that, which can also include the costs of recovery, forensic investigation and notifying those affected. Also make sure you have a back-up off the premises, because otherwise a fire hits the server and the back-up in one go.
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.
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