Zakelijk • Vastgoed • building insurance for shop premises
Building insurance for retail premises – buildings insurance for retail and retail spaces
A shop premises is een waardevolle bedrijfsasset en vaak een cruciale schakel in uw omzet. Immediately building insurance for a retail property (also building insurance) verzekert u het gebouw zelf: muren, dak, vloeren, fundering en fixed installations. Zo bent u beschermd tegen de financiële impact van fire, storm, water damage, burglary and vandalism .
Finass Verzekert is a specialist in this industrial buildings and commercial real estate. Wij vergelijken meerdere verzekeraars en stemmen dekking en voorwaarden af op uw winkeltype (retail, speciaalzaak, franchise, winkelcentrum), locatie, Bouwaard en preventie. U ontvangt een helder voorstel met de best value for money .
Insuring shop premises in brief
Immediately building insurance for shop premises verzekert u het gebouw en vaste zaken. This is de basis om uw investering te beschermen en uw bedrijfscontinuïteit te borgen.
Main features
- Coverage for building damage caused by, among other things, fire, storm, water damage (policy dependent), burglary and vandalism .
- Co-insure fixed installations (electricity, pipes, central heating, ventilation) and often also solar panels (if specified).
- Extra relevant for retail: glass/fronts, prevention requirements, closing times and security.
- Optional: loss of rent (loss of rental income) and AOG (real estate liability).
We check the rebuilding value, coverage, deductible and clauses, so that you will not be faced with any surprises.
Why insure your retail property with building insurance?
Protection of a large investment
Schade aan het gebouw kan direct leiden tot hoge herstelkosten. Met een Building insurance dekt u – binnen de polisvoorwaarden – kosten voor herstel of herbouw.
Retail risks: facade, burglary and vandalism
Winkelpanden hebben vaak een glazen gevel/pui, drukbezochte ligging en fixed installations. Dat verhoogt risico’s op braakschade en vandalisme, vooral buiten openingstijden.
Continuity and rental security
In the event of major damage, a retail space may be temporarily unusable. This is possible for landlords loss of rent (optioneel) A belangrijk onderdeel zijn om huurinkomsten te beschermen.
✔ Insures your building shop premises
✔ Coverages tailored to retail and location
✔ Optional: loss of rent, glass and AOG
Who is retail property insurance suitable for?
Entrepreneurs (own building)
- own storefront for retail or specialty stores;
- shop in the city center, community center or shopping street;
- franchise or formula, with permanent establishment and installations;
- need for certainty in the event of disasters.
Property owners (rental)
- rented retail space or shopping strip;
- commercial real estate as an investment;
- combination with rent loss coverage;
- portfolio of multiple properties.
Management & mixed use
- property managed by manager;
- mix of shop and storage/workspace (situation-dependent);
- multiple units with different tenants;
- additional acceptance requirements possible per sector.
Coverage of building insurance for shop premises
Building insurance covers it building and vaste onderdel and . Hieronder de meest voorkom and de dekkingsonderdel and op hoofdlijn and . Exacte dekking hangt af van verzekeraar and polis.
Building and fixed parts
- walls, roof, floors and structure;
- foundation and (fixed) extensions;
- window frames, doors and fixed facades;
- permanent finish that belongs to the building.
fixed installations
- electricity, meter cupboard and cabling;
- pipework, central heating/heat, ventilation;
- fixed cooling/heating installations (depending on the policy);
- solar panels and charging points (if specified).
Covered events (example)
- fire, explosion, lightning;
- storm and hail;
- water damage due to pipe breakage/leakage (policy dependent);
- burglary damage (burglary) and vandalism;
- collision/collision (e.g. vehicle against facade).
Reconstruction value and (under)insurance
The payment for major damage is strongly related to the rebuilding value and uw verzekerde som. Wij lett and op:
- correct reconstruction value (value meter/appraisal);
- indexation and current construction costs;
- clauses regarding underinsurance and deductible.
What is often not or only partially insured?
- overdue maintenance and wear and tear;
- damage caused by intent/recklessness;
- damage due to long-term leakage without intervention;
- inventory/stock (different coverage is appropriate for this);
- flooding from the sea/major rivers is often excluded or limited (depending on the policy).
We make exclusions and points of interest clear in advance.
Typical risks for shop premises (retail)
Glass and facade
- large windows/shop windows increase the risk of glass damage;
- forced entry damage to window frames and doors;
- consider glass coverage if this is not included as standard.
Fire and installation risk
- electricity, lighting, (sometimes) cooling installations;
- cooking/preparation corner at some retail concepts;
- maintenance and inspections reduce risk and improve acceptance.
Water damage and consequential damage
- leakage through roof, gutters or pipes;
- water damage can lead to closure and loss of turnover;
- Timely notification prevents aggravation and discussions.
Conditions & prevention: this way your storefront remains well insured
Reporting obligation and correct description
For correct acceptance it is important that the use of the building is correct. Report, among other things:
- industry (retail, specialty store, format);
- rental or personal use;
- possible storage/workshop function;
- vacancy (also temporary) and renovations.
Incorrect reporting or failure to report may have consequences for coverage and benefits.
Prevention requirements that often come into play
- closing round and key management;
- approved locks, possibly roller shutters;
- alarm/CCTV (depending on location and risk);
- fire extinguishers and electrical safety/inspection;
- maintenance of roof/gutters and installations.
How much does building insurance cost for a retail property?
The premium depends rebuilding value, Bouwaard, locatie, gebruik/branche, preventie en gekozen dekking en eigen risico. Onderstaande voorbeeldpremies zijn indicatief.
Indicative premium examples (business buildings)
| Type of property | rebuilding value | Bouwaard | Indication of premium per month* |
|---|---|---|---|
| Catering premises (restaurant) | €600,000 | St A | ± € 124.33 |
| Shop premises (retail) | €260,000 | St A | ± €21.03 |
*Voorbeeldpremies, exclusief assurantiebelasting en afhankelijk van dekking, eigen risico en verzekeraar. Voor een winkelpand is premie sterk afhankelijk van branche, pui/glas, preventie and location. Aan deze voorbeelden kunnen geen rechten worden ontleend.
Property features
- reconstruction value and year of construction;
- construction and roofing;
- floor space and layout;
- fixed installations and sustainability (solar panels).
Location & risk
- shopping street, shopping center or detached house;
- crime/burglary risk in the area;
- glass/front surface and security;
- damage history.
Policy choices
- coverage and deductible;
- additions (glass, loss of rent, AOG);
- prevention requirements and clauses;
- package discount for multiple categories.
Curious about your premium for a retail property?
Request one immediately no-obligation quote On.
Additional insurance that often suits retail properties
Inventory/stock
The buildings insurance covers the building. For inventory and stock (stellingen, kassa’s, voorraad) past doorgaans een inventaris-/voorraadverzekering of bedrijfsverzekering (policy dependent).
Business damage (loss of turnover)
If you are temporarily unable to operate due to a covered event, you can: Business damage of een vergelijkbare dekking (policy dependent) helpen om vaste lasten door te betalen.
Loss of rent and AOG
- loss of rent: relevant for landlords of retail space.
- AOG: liability due to defects in the property.
- glass: often wise for large shop windows/fronts.
Frequently asked questions about building insurance for retail premises
What is buildings insurance for a retail property?
A building insurance for shop premises (gebouwenverzekering) verzekert het gebouw en vaste onderdelen tegen schade door onder andere fire, storm, water damage, burglary and vandalism. Het gaat om de stenen en vaste installaties, niet om voorraad en inventaris.
What is the difference between buildings and inventory/stock?
Building is the building: roof, walls, floors, foundation, fixed installations and fixed parts. Inventory/stock is what you use or sell in the store (racks, equipment, inventory). You insure this with separate coverage.
Is glass damage to the shop front insured?
This is policy dependent. Sommige polissen dekken glas standaard, andere vereisen een aanvullende glasdekking. Bij shop premisesen met grote etalages is glas vaak een belangrijk aandachtspunt.
Do I have to report the industry or use of the storefront?
Ja. Verzekeraars beoordel and risico’s mede op basis van gebruik, branche and ev and tuele opslag/werkplaatsfunctie. Ook leegstand and verbouwing kunn and meldplichtig zijn. Correct meld and voorkomt dekkingproblem and .
Can I insure rental income as a landlord of retail space?
Yes, with one rent loss coverage kunt u – onder voorwaarden – het verlies van huurinkomsten afdekken als de winkelruimte na A gedekte schade tijdelijk niet verhuurbaar of niet bruikbaar is.
What information is required for a quote on building insurance for a retail property?
For a quick and competitive quote, we usually ask:
- address, year of construction, type of construction and roofing;
- reconstruction value (value meter/appraisal if available);
- use/industry and rental/rental situation;
- surface area, layout and possible storage space;
- security and prevention (locks, shutters, alarm);
- desired coverage, deductible and additions (glass, loss of rent, AOG).
Insure shop premises? Request a no-obligation quote
Do you want your shop premises get good and competitively priced insurance? Finass Verzekert helps you with one custom building insurance for retail premises, tailored to your location, construction type, risk profile and prevention.
Request a quote for retail premises
Would you prefer direct personal contact? Call 072 – 509 24 56 or email to info@finass . nl. Wij nemen uw situatie door en adviseren de beste building insurance voor uw winkelpand.
