No investment advice · funds and entities · referral

Property funds and insurance

Taking part in a property fund is investing. We do not hold a licence for that and we do not advise on it. We do insure the buildings, the liability and the directors of property entities.

several insurers compared objectively
9.5 customer rating for a new policy
AFM licence 12016589
Personal 072 - 509 24 56, weekdays 9–17

Deze pagina in het Nederlands: Vastgoedfondsen en verzekeringen.

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.

We compare the offerings of several insurers
An adviser checks whether the cover suits your activities
We arrange the switch, including cancellation

Request a quote

A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.

In brief

Finass Verzekert (AFM 12016589) advises and acts as an intermediary in non-life insurance. Investing falls under a different licence category: we do not give investment advice, we do not assess prospectuses and we do not act as an intermediary in participations. For that you go to a party listed in the public AFM register.

With a property fund the return is not guaranteed and you may lose all or part of your investment. If the fund uses debt finance, the following also applies: Please note: borrowing money costs money. Compare finance on the annual percentage rate and not on the monthly payment.

What we do is on the property side. A fund or manager must have the buildings insured, cover the liability as possessor and protect the board. See insurance for property and directors' and officers' liability.

Cover
Points to note
What to look out for
Frequently asked questions
Contact

Who does what: the fund, the provider or the insurer?

The division of roles in three cards, with below each task the person who carries it out.

Different licence

What we do not do

Everything to do with the investment itself.

No investment advice
No intermediary services for participations
No opinion on returns

Your checklist

What to look out for

What to check yourself before you invest.

Licence or exemption
Key information document
Costs and options for exiting

Our profession

What we do provide

The general insurance policies of the entity and its buildings.

The building on rebuild value
Liability as owner
Directors' and officers' liability

What is covered

Situation	At Finass Verzekert	With the licensed provider
Advice on taking part in a property fund	No	Yes
Assessment of the prospectus and the risk profile	No	Yes
Arranging debt finance	No	Yes
Premises insurance for the properties	Yes	No
Liability as the owner of the building	Yes	No
Directors' and officers' liability for the entity	Yes	Provided that

What is actually covered is set out in the insurer's policy conditions and insurance card (verzekeringskaart).

What participants and managers run into

Four points that are regularly overlooked in fund structures.

The policy is in the name of the wrong entity

In funds, ownership often sits in a separate company or foundation. If the policy is in the name of the manager instead of the owner, the party that suffers the loss has no insurable interest. Make sure the name on the policy and the ownership match exactly.

Property

Directors can be held personally liable

Directors of a property entity can be held personally liable by participants, tenants or a trustee in bankruptcy. Those claims do not fall under the premises or liability policy. Directors' and officers' liability insurance pays defence costs, but normally excludes intent and wilful recklessness.

Directors' and officers' liability, property

Liability as possessor stays with the owner

Within a fund structure too, 6:174 DCCapplies: the possessor of a defective structure is liable for the damage, even without any blame. Outsourcing the management does not move that liability. Arrange it as separate cover at the owner.

A changing portfolio calls for proper administration of alterations

Funds buy and sell. Every building that has not been declared is not insured, and once a building is sold your interest ends. The use of each property also determines acceptance. An incorrect declaration engages 7:928 DCC and with it the payment under 7:930 DCC.

What to look out for when comparing

Licence or exemption: check the provider in the public AFM register
Risk of losing your investment: returns are never guaranteed
Cost structure: management, purchase and performance fees
Tradability: how and when you can end your participation
Debt finance in the fund. Please note: borrowing money costs money, for a fund as well
Insurance of the properties: building, liability and directors

This overview is general in nature and is not personal or investment advice.

How it works

You choose a provider yourselfCheck the licence or exemption in the AFM register.
You read the fund documentationIt sets out the costs, the risks and the options for exiting.
We insure the propertiesThe building, the liability and, where needed, the board.
We process changesWe keep track of purchases, sales and changes of use.

Get in touch

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.

View the reviews at NH1816 · all reviews on our site

Frequently asked questions

This is what people ask us most.

Does Finass Verzekert advise on property funds?

No. Investment advice and intermediary services for participations fall under a different licence category from ours. We do not assess prospectuses and express no view on returns. We do insure the buildings, the liability and the directors of property entities.

Who has to insure a fund's buildings?

The party that owns them and therefore has the insurable interest. In funds that is often a separate company, not the manager. Put the policy in the name of that owner and note any lenders as interested parties, so that a payment after a loss ends up in the right place.

Does premises insurance cover a fall in property value?

No. General insurance pays for material damage to the property, not for economic developments such as vacancy risk, falling rents or a loss of market value. Article 7:960 of the Dutch Civil Code also prohibits a payment from putting you in a clearly better position than before the loss.

What falls outside directors' and officers' liability cover?

Normally intent, wilful recklessness, fines and claims that were already known when the cover was taken out. Claims between directors are often limited as well. Read the description of the insured capacity: it determines whether work for affiliated entities is covered.

Insurance for your property entity?

We do not advise on the investment. We do advise on insuring the buildings and the board.

Get in touch

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 written and checked by an adviser at Finass Verzekert. Last updated on 15 August 2026.

The information on this page is general in nature and is not personal advice.

Property funds and insurance

In brief

Who does what: the fund, the provider or the insurer?

What we do not do

What to look out for

What we do provide

What participants and managers run into

The policy is in the name of the wrong entity

Directors can be held personally liable

Liability as possessor stays with the owner

A changing portfolio calls for proper administration of alterations

What to look out for when comparing

How it works

Frequently asked questions

Read more

Within Financiering

Similar pages

Also relevant

Service

Insurance for your property entity?

About our service

Property funds and insurance

In brief

Who does what: the fund, the provider or the insurer?

What we do not do

What to look out for

What we do provide

What participants and managers run into

The policy is in the name of the wrong entity

Directors can be held personally liable

Liability as possessor stays with the owner

A changing portfolio calls for proper administration of alterations

What to look out for when comparing

How it works

Frequently asked questions

Read more

Within Financiering

Similar pages

Also relevant

Service

Insurance for your property entity?

About our service

Privacy Settings

Functional

Preferences

Statistics

Marketing