Zakelijk • Horeca • building insurance for catering premises
Building insurance for catering premises – building insurance for your restaurant, café or hotel
Being in the hospitality industry fire, water and burglary damage reële risico’s. In een drukke keuken, met frituurinstallaties, elektrische apparatuur, koelingen en veel bezoekers kan schade snel ontstaan. Immediately building insurance for your catering premises – also catering building insurance genoemd – you assure it gebouw zelf tegen schade door brand, storm, waterschade, inbraak en vandalisme.
Finass is insured specialist in catering insurance and takes care of one tailor-made catering building insurance. Wij stemmen de dekking af op uw type horecabedrijf, keuken, installatie, ligging en veiligheidsmaatregelen. Eén aanspreekpunt voor uw horecapand, inventaris, goederen en Business damage.
Building insurance for catering premises in brief
Immediately building insurance for catering premises you assure it building itself: de constructie en alles wat vast zit aan het pand. Denk aan muren, vloeren, daken, gevels, ramen, fundering en vaste installaties. De Insurance is afgestemd op de specifieke fire and damage risks in the catering industry.
Important features
- Coverage for fire and explosion damage (kitchen, fryer, electricity, short circuit).
- Coverage for storm and hail damage on roof, facade and windows.
- Water damage due to leakage, burst pipes and defective installations (depending on the policy).
- Burglary and vandalism with damage to doors, windows and the building.
- Compensation of repair and clean-up costs after a covered event.
Finass Verzekert compares your building insurance for catering premises bij meerdere verzekeraars en kiest samen met u de beste combinatie van premie, Conditions en preventie-eisen.
Why building insurance for your catering property is indispensable
High risk of fire damage in the catering industry
Catering kitchens work with open flame, hot oil, deep fryers and powerful equipment. Een kleine fout of technische storing kan al snel tot brand leiden. De schade kan groot zijn: aan het building, installaties en soms ook naastgelegen panden. Een goede catering building insurance is then crucial.
Continuity of your catering business
Uw gebouw vormt samen met inventaris en personeel de basis van uw onderneming. Zonder goed verzekerd Catering premises is het lastig om na een grote schade to reopen soon. De Building insurance dekt de schade aan het pand. In combinatie met een Business interruption insurance for the catering industry voorkomt u oOK verlies aan omzet.
Condition of bank, landlord and suppliers
Mortgage lenders and investors almost always require one building insurance for the catering premises. Ook bij huur kan de verhuurder voorwaarden stellen aan de opstal- en Contents insurance. Met een goede opstalverzekering voldoet u aan deze eisen en weet iedere partij waar hij aan toe is bij schade.
✔ Protection against fire, storm, water, burglary and vandalism
✔ Suitable for the risks of catering (kitchen, installations, guests, terrace)
✔ Part of a complete catering insurance package
For whom is buildings insurance for catering premises suitable?
Owners of catering properties
For example:
- owners of restaurants, bistros and cafes;
- owners of cafes, bars and grand cafés;
- owners of snack bars, lunchrooms, ice cream parlors;
- owners of buildings in which catering establishments are operated.
Catering companies with their own premises
As an entrepreneur, do you own the building in which you operate your catering business? Then you insure:
- It building with building insurance for catering premises;
- The Inventory with inventory/goods insurance;
- your income with one Business interruption insurance for the catering industry.
Real estate owners who rent to catering establishments
It is also for property owners who rent properties to catering companies catering building insurance suitable:
- one or more rented catering properties in the portfolio;
- combination of catering on the ground floor and living above;
- agreements about tenant interests and inventory in rental contracts.
What does building insurance for a catering property cover?
The building insurance for catering premises dekt schade aan het gebouw zelf en alles wat daar vast mee is verbonden. Inventaris, voorraden en geld verzekert u aanvullend. Hieronder de hoofdlijnen van de catering building insurance.
Building and construction
- walls, floors and ceilings;
- roof, roofing and gutters;
- windows, doors, frames and siding;
- extensions and extensions, terraces and permanent awnings;
- foundation (policy dependent).
Fixed installations and facilities
- central heating installation, ventilation and climate systems;
- electrical installation, distribution box and wiring;
- elevator, refrigeration and freezing installations that count as buildings;
- solar panels and charging stations fixed on or attached to the building (if specified).
Kitchen equipment and furniture are usually covered by inventory insurance, not by buildings.
Covered events (example)
- fire, explosion and lightning;
- storm and hail damage;
- water damage due to leaks and precipitation (according to policy conditions);
- burglary and vandalism, including burglary damage;
- collision or impact (e.g. car against facade).
What is often not or only partially insured?
- damage by overdue maintenance or construction defects;
- damage by illegal activities in the building;
- major flooding due to certain primary flood defenses;
- consciously reckless action or intent;
- loss of turnover (this is business interruption insurance necessary).
Finass Verzekert assesses your policy exclusions, clauses and prevention requirements specifically for the catering industry.
Reconstruction value and underinsurance
The building insurance is linked to the rebuilding value of your catering premises:
- what will it cost to rebuild the building in the same condition;
- indexation to move with construction costs;
- possible guarantee against underinsurance during appraisal;
- reimbursement of clearing and remediation costs (for example after fire).
Specific risks of a catering property and how building insurance deals with them
Kitchen and frying risk
There is a risk in the kitchen grease fire and smoke damage high. Many insurers therefore impose requirements on:
- professional extraction systems and regular cleaning;
- periodic maintenance of frying and baking installations;
- presence of suitable extinguishing agents.
Refrigeration, freezers and technology
Failure of refrigeration or freezers can also result in food spoilage Water damage to arise. The building insurance:
- often covers damage to the building due to leaks;
- can cover damage caused by defective installations (depending on the policy);
- can be supplemented with coverage for goods and business interruption.
Guests, terrace and opening hours
The catering industry has a lot of guests coming in and out, often until late. This increases the chance of:
- glass breakage and damage to facade or entrance;
- damage due to vandalism or fights;
- damage to terraces and fixed parasols/canopies.
We ensure that your building insurance for catering premises fits these practical situations.
How much does building insurance cost for a catering property?
The premium of one building insurance for catering premises depends on, among other things rebuilding value, type horeca, bouwaard, locatie en beveiliging. Below are some indicative premium examples based on catering properties.
Premium examples for building insurance for catering premises (indicative)
| Type of catering premises | rebuilding value | Bouwaard | Indication of premium per month* |
|---|---|---|---|
| Restaurant / cafe | €600,000 | StA | ± € 124.33 |
| Cafeteria / snack bar | €260,000 | StA | ± €21.03 |
*These are sample premiums, exclusief assurantiebelasting en afhankelijk van dekking, own risk, preventie en verzekeraar. Aan deze voorbeelden kunnen geen rechten worden ontleend. Voor uw horecapand maken wij graag een customized quote.
Important premium factors
- type of catering industry (restaurant, café, snack bar, hotel, etc.);
- reconstruction value and surface area of the building;
- year of construction, type of construction and roofing;
- location (center, rural area, detached, row property).
Safety and prevention
- fire protection (extinguishing agents, detection, compartmentalization);
- cleaning extraction ducts and maintenance installations;
- burglary protection (locks, alarm, camera surveillance);
- closing procedures and staff training.
Policy choices and package discount
- standard, extended or all-risk building coverage;
- height of it own risk per damage;
- combination with inventory, goods and business interruption insurance;
- see you 15% package discount with multiple catering insurance policies through Finass Verzekert.
Would you like to know what your building insurance for catering premises costs?
Question one non-binding premium indication and comparison.
Request a quote for building insurance for catering premises
Combine buildings insurance for catering premises with other catering insurance policies
Inventory and goods insurance for the catering industry
Your building insurance covers the building. For inventory and stock is separate insurance required:
- kitchen equipment, bar, furniture, terrace furnishings;
- stocks of food, drinks and other goods;
- damage due to fire, water, burglary and vandalism.
Business interruption insurance for the catering industry
After fire or water damage, you may (temporarily) not be able to receive guests. The business interruption insurance:
- reimburses missed gross profit/sales after a covered event;
- covers ongoing fixed costs (rent, interest, salaries);
- helps you financially to be able to continue with your catering company.
Liability and other catering coverage
- Corporate liability for damage to guests and third parties;
- Legal expenses insurance in case of conflicts (e.g. suppliers, staff);
- Money and insurance for cooling damage (policy dependent);
- any additional coverage such as cyber or events.
Finass Verzekert is happy to provide a complete catering insurance package along with maximum benefit.
Frequently asked questions about building insurance for catering premises
What exactly is buildings insurance for catering premises?
A building insurance for catering premises is a Building insurance die specifiek is afgestemd op de risico’s van een horecapand. U verzekert het gebouw zelf – muren, daken, vloeren, ramen, fundering en vaste installaties – tegen schade door onder andere fire, storm, water, burglary and vandalism. Inventaris, voorraden en omzetverlies verzekert u apart.
Is building insurance for a catering property mandatory?
Legal is one building insurance for catering premises usually not immediately mandatory. Putting it into practice banks when financing a catering property and often also landlords and investors deze verzekering wél verplicht. Zonder opstalverzekering zijn de financiële gevolgen van brand of storm nauwelijks op te vangen. In de horeca is een goede Building insurance daarom feitelijk onmisbaar.
What is the difference between buildings and inventory at a catering company?
The buildings is the catering building itself: the building and everything that is rock-solid. The Inventory betreft de zakelijke inrichting, zoals keukenapparatuur, bar, meubilair, kassa’s en decoratie. Uw Building insurance dekt het gebouw, uw inventaris- en goederenverzekering dekt de zakelijke inboedel en voorraad.
Is fire damage from the kitchen covered by home insurance?
Yes, fire damage to the building door een brand in de keuken valt in principe onder de opstalverzekering, zolang de oorzaak binnen de dekking valt en aan de preventie-eisen is voldaan (bijvoorbeeld schoonmaak afzuigkanaal, onderhoud installaties). Schade aan keukenapparatuur valt meestal onder de inventarisverzekering, omzetverlies onder de business interruption insurance.
Are my cooling and freezing installations included in the building insurance?
Dat hangt af van de constructie en polis. Installaties die als onderdeel van het building worden gezien, kunnen onder de building insurance for catering premises vallen. Losse apparatuur valt doorgaans onder de inventarisverzekering. Schade door uitval van koelingen en het bederven van voedsel vraagt vaak om een aanvullende dekking (bijvoorbeeld goederen-/koelschade). Finass Insures beoordeelt dit graag voor u.
Is loss of turnover due to fire in my catering premises also reimbursed?
No, loss of turnover is not covered by building insurance. There is one for that Business interruption insurance for the catering industry nodig. Die keert – onder Conditions – de gemiste brutowinst en doorlopende vaste lasten uit na een gedekte gebeurtenis, bijvoorbeeld een brand in uw horecapand.
Does a higher premium apply to catering properties than to regular business premises?
In the catering industry, the risk of fire damage is often higher than in other industries. That's why the premium and prevention requirements voor een Catering premises soms strenger. Factoren zoals type keuken, frituurinstallaties, sluitingsbeleid en brandpreventie spelen hierbij een rol. Tegelijkertijd zijn er specifieke horecaproposities waardoor u toch scherp verzekerd kunt zijn.
What happens to my building insurance if my catering premises is (temporarily) vacant?
Bee vacancy verandert het risico en gelden andere Conditions. U bent dan verplicht de leegstand te melden. De verzekeraar kan de dekking aanpassen (bijvoorbeeld minder gevaren verzekeren) of aanvullende eisen stellen (bijvoorbeeld extra controle en beveiliging). Soms is tijdelijk een aparte leegstanddekking nodig.
What information is required for a quotation for building insurance for catering premises?
For a good and competitive quote, we ask, among other things:
- address, type of catering business (restaurant, café, hotel, snack bar, etc.);
- year of construction, type of construction, roof covering and surface area of the building;
- reconstruction value (or appraisal report) of the catering property;
- information about kitchen, installations and fire prevention;
- location characteristics (center, residential area, rural area);
- desired coverage, deductible and any additional insurance (inventory, goods, business interruption).
On this basis, Finass Verzekert compares different options building insurance for catering properties en ontvangt u A duidelijk voorstel.
Would you like to take out building insurance for catering premises? Request a customized quote
Do you want your Catering premises – restaurant, café, bar, snack bar, hotel or other catering facility – good and competitively priced insurance? Finass Verzekert helps you with one tailor-made building insurance for catering premises, tailored to your building, kitchen, prevention and ambition.
Request a quote for building insurance for catering premises
Would you prefer direct personal contact? Call 072 – 509 24 56 or email to info@finass.nl. Wij Thenken graag met u mee over The beste building insurance for your catering premises en een compleet catering insurance package.
