Liability
- Damage to third parties
- Employers' liability
- Care, custody and control as an extension
Site · guests · season
Insurance for the leisure sector
A leisure business earns its annual turnover in a few months, which is why the indemnity period on business interruption cover matters more here than in almost any other sector.
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- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Verzekeringen voor de recreatiesector.
Calculate your premium or request a quote
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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 your own premium with the calculator.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your activities
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Campsites, holiday parks, marinas, group accommodation and day attractions share one feature: most of the turnover falls between the May half-term and September. A fire in June therefore costs not two months of turnover but a whole year, and sometimes two, because rebuilding and reopening are rarely completed within one season. Anyone who simply takes the standard indemnity period on business interruption cover is insuring a risk that does not fit their calendar.
There is also a great deal of capital outdoors: sanitary blocks, reception, restaurant, play facilities, jetties, barriers, lighting, charging points and the electricity network across the whole site. Storm, lightning strikes and vandalism in the low season hit precisely those items. On ordinary business contents cover they are rarely listed in full.
This page describes the package as a whole. If you only want to know how liability towards visitors works, read liability in leisure and tourism. If you combine leisure with a hospitality function, tourism, leisure and hospitality is the more suitable starting point.
What does insurance for the leisure sector cover?
The structure of the cover in three parts, with an overview per situation below.
Assets and continuity
Business contents, goods and lost turnover during downtime.
- Business contents at replacement value as new
- Goods at cost price
- Business interruption or additional costs
Staff
Sickness absence, accidents and the traffic risk.
- Continued pay for 104 weeks
- Group personal accident
- WEGAS for traffic risks
What is covered
| Situation | AVB | BAV | Cyber |
|---|---|---|---|
| Injury to a visitor or customer | Yes | No | No |
| Damage to a client's property | Sometimes | No | No |
| Financial loss caused by an advisory or calculation error | No | Yes | No |
| Downtime after a ransomware attack | No | No | Yes |
| Data breach involving personal data | No | Sometimes | Yes |
| Damage to property in your care | No | 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.
Match the indemnity period to seasons, not to months
Business interruption is paid over a period chosen in advance. For a seasonal business a period covering two seasons is often more realistic than the standard period, because permits, demolition and rebuilding on a leisure site take time and bookings are made a year ahead. Work from the spread of turnover across the year and not from a monthly average; in this sector that average does not exist.
Site facilities belong on the policy expressly
Barriers, lighting columns, jetties, electrical cabinets, wifi installations, charging points and the paving fall between buildings and business contents and are therefore often forgotten. After a storm it turns out that the sanitary block was insured and the infrastructure around it was not. Walk the site once a year and update the figures; we build that into the valuation and the sums insured.
Peak staffing and the payroll
In season you work with school students, agency workers and sometimes volunteers. For injury to them the employers' liability in Article 7:658 of the Dutch Civil Codeapplies, which also covers hired-in staff. If you only report the permanent payroll, the premium basis is too low and the insurer can correct proportionally when you claim. Report the peak staffing in advance instead of recalculating afterwards.
What is not covered
The following are generally outside the cover: loss of turnover through bad weather or disappointing bookings, because business interruption requires physical damage as its cause; damage to static caravans and boats belonging to guests, unless care, custody and control is included; damage through deferred maintenance to jetties and bank revetment; and frost damage to pipes in buildings not drained down in the low season. Gradual deterioration is outside it as well.
What does your premium depend on?
- Type of leisure business — A campsite, holiday park, marina, group accommodation or day attraction each has its own damage profile.
- Annual turnover and seasonal pattern — Not only the level but also the spread across the year determines the business interruption basis.
- Business interruption indemnity period chosen — The most important choice on this package; a longer period raises the premium but covers the seasonal risk.
- Sums insured for buildings, business contents and site facilities — Including jetties, lighting and installations outside the buildings.
- Payroll including seasonal staff — Peak staffing counts towards liability, sickness absence and accident cover.
- Prevention and claims history — Fire compartmentation, lightning protection, CCTV and earlier claims all count towards the rate.
Insurers weigh these details differently. That is why comparing pays off.
How we arrange it
- You request a quoteWe take stock of your activities, turnover and 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.
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.
Frequently asked questions
The questions we are asked most often about this.
Why is a standard business interruption period not enough here?
Because the loss is not spread evenly across the year. If the reception burns down before the season, you miss the whole peak and the next one only comes after rebuilding. Rebuilding on a site with permits and nature conservation values also takes longer than premises on an industrial estate. We work out the period from your own spread of turnover.
Are guests' static caravans and chalets insured as well?
No, they belong to the guest and belong on their own policy. Only where you let them or have them under management does your cover come into play, and then often through the care, custody and control section of the liability insurance. Record in writing who insures what; otherwise, after a storm, an argument arises about dozens of items at once.
What should I do with the site out of season?
Report vacancy or partial closure, because that changes the risk and often affects the burglary and frost clauses. Drain down water pipes, switch off installations and keep supervision demonstrable. If you fail to report it, the insurer can rely on Article 7:928 of the Dutch Civil Code and reduce the payout.
Is a package better than separate policies?
In this sector usually yes, because the losses hang together: a storm hits the buildings, the site facilities, guests' belongings and that season's bookings all at once. On a single review the sections join up and there is one file instead of several insurers pointing at each other. We compare both set-ups on premium and conditions.
Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
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 .
The information on this page is general in nature and is not personal advice.