fbpx
Skip to main content
Lowest price warranty
High package discount
Largest offer
Help with damage
Personal contact
100% independent
Lowest price warranty
Largest offer
Direct response
High package discount
Help with damage
Personal contact
100% independent

50 yr expertise

Trade and services

Insurance for the trade and services

✔️ Specialized in insurance ✔️ The best premium ✔️ The best conditions ✔️ Assistance with damage

This sector can be divided into:
Retail

Look at

staff and labour

Look at

Business services

Look at

Facility management

Look at

Financial services

Look at

Insurance for the commercial and service sector : Protection for a diverse and dynamic industry

Introduction

The trade and services sector is a crucial pillar of the global economy and includes a wide range of businesses ranging from retail, wholesale and logistics to consultancy, marketing and financial services. These companies are exposed to a range of risks depending on their activities, the products and services they offer, and the locations in which they operate. To protect their assets, employees and customers, it is essential that companies in the trading and services sectors have the right insurance in place. In this article we discuss the most important insurance policies for companies in this sector, as well as the risks they protect against.

  1. Business liability insurance ( AVB )

Business liability insurance protects companies against claims arising from property damage or personal injury caused by their business activities. In the trade and services sector, such claims can arise from accidents on company premises, errors in delivered products or services, or damage caused during transport. An AVB is an essential basic insurance for companies in this sector.

  1. Professional liability insurance ( BAV )

A BAV covers financial claims resulting from errors, omissions, negligence or incorrect advice in the performance of professional services. Examples of claims in the trading and services sector include incorrect financial advice, incorrect marketing strategies or the loss of confidential customer data. An EGM is crucial for protecting the financial stability of companies in this sector.

  1. Buildings and inventory insurance

Buildings and inventory insurance other unforeseen events. This can be particularly important for businesses in the trading and service industries , where valuable and irreplaceable items, such as supplies or equipment, can be damaged or lost.

  1. Business interruption insurance

Business interruption insurance protects companies against loss of income and additional costs that arise as a result of interruption of business activities due to, for example, fire, flood or storm damage . This can be particularly important for companies in the trading and services sectors , where such events can have significant implications for business operations and profitability.

  1. Transport insurance

Transport insurance is of great importance for companies in the trading sector that are involved in the transport of goods This insurance covers the financial consequences of loss or damage to goods during transport , whether by road, rail, sea or air. It helps businesses minimize the financial impact of lost or damaged goods and provides peace of mind for both the shipper and recipient.

  1. Cyber ​​insurance

In the digital age, businesses in the commerce and services sectors increasingly rely on technology and data to run their operations. Cyber ​​insurance protects companies against the financial consequences of cyber incidents , such as data breaches, ransomware attacks or loss of confidential information. With cyber insurance, companies can cover the costs of crisis management, data recovery and defending against third-party claims.

  1. Employee insurance

As in other sectors, companies in the trade and services sector insurance covering their employees. This may include:

a. Workers' Compensation Insurance : This insurance protects companies against claims from employees who claim they have suffered injury or illness as a result of their work. This is particularly relevant in the trade and service industries , where employees may be exposed to hazardous conditions, such as in warehouses, during transportation or when working with sensitive information.

b. Sickness absence insurance : This insurance covers the costs of continuing to pay the salaries of employees who are ill and cannot work. This can be especially important for smaller companies in the trading and services sectors , where an employee's long-term absence can have a significant impact on business operations.

  1. Legal expenses insurance

Legal expenses insurance helps companies in the trade and service sector with the costs of legal advice and assistance in disputes relating to their business activities. This can range from disputes with suppliers and customers to conflicts over labor issues, intellectual property or regulations.

Conclusion

For companies in the trading and services sectors, it is crucial to have the right insurance in place to protect their operations, investments and employees against unforeseen risks. By investing in a comprehensive insurance package specifically tailored to the unique needs of this sector, companies can focus on providing high-quality products and services to their customers, knowing they are protected against potential setbacks. It is therefore advisable to work with a specialist insurance advisor to ensure that all relevant risks are adequately covered.

It is also important to regularly review and update insurance coverage as the risks faced by companies in the trading and services sectors can change as their businesses grow, technology evolves and regulatory landscapes shift. By remaining proactive and adapting to these changes, businesses in the trading and services sectors can continue to grow and prosper, while protecting their assets and workforce.

Calculate your package yourself here


Read More ... Trade and Services

✔️ Specialized in insurance ✔️ The best premium ✔️ The best conditions ✔️ Assistance with damage

Healthcare and wellness

Insurance for the healthcare and welfare

This sector can be divided into:
healthcare

Look at

Welfare

Look at

Personal care

Look at

Insurance for the Healthcare and Social Care : An Essential Guide

The healthcare and welfare sector is an important pillar of society and plays a crucial role in ensuring the health and well-being of the population. In this sector, different types of insurance necessary to cover the various risks that healthcare providers and institutions face. This article provides an overview of the most important insurance policies relevant to this industry and how they help protect both healthcare providers and patients.

  1. Professional liability insurance

In the healthcare and social care sector , the chance of making mistakes or causing harm to patients is unavoidable. Professional liability insurance protects healthcare providers against the financial consequences of such errors. This insurance covers the costs of legal defense and any damages resulting from a lawsuit. It is essential for doctors, nurses, physiotherapists, psychologists and other healthcare professionals to protect themselves and their practice.

  1. Business liability insurance

This insurance protects healthcare institutions against claims arising from injuries or material damage that occurs on their premises or during the provision of services. Consider, for example, a patient who trips and falls in a hospital, or a visitor who is injured by a defective medical device. Business liability insurance covers the costs of legal defense and any damages.

  1. Inventory and goods insurance

Healthcare and human services organizations often have expensive equipment and supplies that are critical to delivering care. Inventory and goods insurance protects against loss, theft or damage to these valuable assets. This allows healthcare institutions to quickly replace their equipment and supplies and ensure continuity of care.

  1. Business interruption insurance

This insurance covers loss of income as a result of a covered event, such as fire, storm or water damage. It is crucial for healthcare institutions to resume business activities as quickly as possible after a disaster. With business interruption insurance , healthcare providers can cover the costs of temporary housing, replacement equipment and other necessary expenses to restore business operations.

  1. Cyber ​​insurance

The digitalization of healthcare has led to an increased reliance on electronic medical records and sensitive patient data. This makes the sector vulnerable to cyber attacks and data leaks. Cyber ​​insurance protects healthcare institutions against the financial consequences of such incidents, such as legal costs, damages, reporting costs and the costs of crisis management.

  1. Directors liability insurance

This insurance protects directors, directors and managers of healthcare institutions against personal liability for errors and negligence in their management and supervisory tasks. It covers legal defense costs and any damages that may arise from lawsuits, making it an important insurance policy for both nonprofit and commercial healthcare organizations.

  1. Employee insurance

Employers in the healthcare and welfare sector must also take out the correct insurance for their staff. This includes disability insurance, health insurance and accident insurance. These insurance policies provide financial protection for employees who become ill, injured or disabled as a result of their work.

Conclusion

Insurance is an essential part of the healthcare and social care sector , as it protects both healthcare providers and patients against the financial consequences of unforeseen circumstances. It is important that healthcare organizations and professionals conduct a thorough risk assessment and obtain appropriate insurance to protect their practices and reputation. By planning ahead and investing in the right insurance , healthcare providers can focus on delivering high-quality care to their patients and contributing to a healthy and resilient society.


Read More ... Healthcare and Welfare

Tourism, recreation, catering

Insurance for the tourism, recreation, catering

✔️ Specialized in insurance ✔️ The best premium ✔️ The best conditions ✔️ Assistance with damage

This sector can be divided into:
Tourism

Look at

Recreation

Look at

catering industry

Look at

Insurance for the tourism, leisure and hospitality sectors : Protection for a thriving and resilient industry

Introduction

The tourism, leisure and hospitality sector is a dynamic and fast-growing industry that employs millions of people worldwide. This sector includes a wide range of businesses, such as hotels, restaurants, travel agencies, theme parks and event venues . To protect these companies and their activities against unforeseen risks, it is essential to have the right insurance. In this article we discuss the most important insurance policies for businesses in the tourism, leisure and hospitality sectors , as well as the risks they protect against.

  1. Business liability insurance (AVB)

Business liability insurance protects companies against claims arising from property damage or personal injury caused by their business activities. In the tourism, recreation and hospitality sectors, such claims can arise from accidents on company premises, food poisoning or incidents during events. An AVB is an essential basic insurance for companies in this sector.

  1. Professional liability insurance ( BAV )

A BAV covers financial claims resulting from errors, omissions, negligence or incorrect advice in the performance of professional services. Examples of claims in the tourism, recreation and hospitality sector include incorrect travel advice, careless organization of events or the loss of confidential customer data. An EGM is crucial for protecting the financial stability of companies in this sector.

  1. Buildings and inventory insurance

Buildings and inventory insurance other unforeseen events. This can be particularly important for businesses in the tourism, leisure and hospitality sectors , where valuable and irreplaceable objects, such as works of art or historical artefacts, can be damaged or lost.

  1. Business interruption insurance

Business interruption insurance protects companies against loss of income and additional costs that arise as a result of interruption of business activities due to, for example, fire, flood or storm damage . This can be particularly important for businesses in the tourism, leisure and hospitality sectors , where such events can have significant impacts on business operations and profitability.

5.  Cancellation insurance

Cancellation insurance is essential for companies in the tourism, leisure and hospitality sectors that organize events such as conferences, weddings or festivals. This insurance provides cover for the financial consequences of canceling, postponing or interrupting an event due to unforeseen circumstances, such as bad weather, illness of artists or speakers, or damage to the location.

  1. Employee insurance

As in other sectors, companies in the tourism, recreation and hospitality sectors take out insurance covering their employees. This may include:

a. Workers' Compensation Insurance : This insurance protects companies against claims from employees who claim they have suffered injury or illness as a result of their work. This is particularly relevant in the tourism, leisure and hospitality sectors , where workers may be exposed to hazardous conditions, such as in kitchens, when operating attractions , or during the set-up and breakdown of events .

b. Sickness absence insurance : This insurance covers the costs of continuing to pay the salaries of employees who are ill and cannot work. This can be especially important for smaller businesses in the tourism, leisure and hospitality sectors , where an employee's long-term absence can have a significant impact on business operations.

  1. Legal expenses insurance

Legal expenses insurance helps companies in the tourism, recreation and hospitality sectors with the costs of legal advice and assistance in disputes relating to their business activities. This can range from disputes with suppliers and customers to conflicts over labor issues, regulations or licensing.

Conclusion

For companies in the tourism, leisure and hospitality sectors, it is crucial to have the right insurance in place to protect their operations, investments and employees against unforeseen risks. By investing in a comprehensive insurance package specifically tailored to the unique needs of this sector, companies can focus on delivering exceptional experiences and services to their customers, knowing they are protected against potential setbacks. It is therefore advisable to work with a specialist insurance advisor to ensure that all relevant risks are adequately covered.

Calculate your package yourself here


Read More ... Tourism, Recreation, Horeca

✔️ Specialized in insurance ✔️ The best premium ✔️ The best conditions ✔️ Assistance with damage

Business insurance packages

PASSENGER CAR

Compare & close

 business insurance policies   online or  request a quote from
Finass Verzekert Check the premiums and different options here:

Business insurance packages .

Business insurance packages .

BUSINESS INDUSTRY

Insurance in the right sector

Look at

See which insurance policies are useful in your industry.

BUSINESS INDUSTRY

Insurance in the right sector

Look at

OTHER INSURANCE

For all your other insurance, private or business, you can always call, app or email us.

CONTACT

Free, non-binding advice in the field of insurance.

Why would it be better to be insured with us?

  • 25 years of experience 
  • Personal contact
  • We are there for the customer 
  • We compare the best insurers

ABOUT US

Read More ... Business Package Insurance

Cookie policy

Finass Insures

1. The use of cookies

Www.finassverzekert.nl uses cookies. A cookie is a simple small file that is sent with pages from this website and/or Flash applications and is stored by your browser on the hard drive of your computer, mobile phone, smart watch or tablet. The information stored therein can be sent back to our servers on a subsequent visit.

 

The use of cookies is very important for the proper functioning of our website, but cookies of which you do not immediately see the effect are also very important. Thanks to the (anonymous) input from visitors, we can improve the use of the website and make it more user-friendly.

2. Consent to the use of cookies

Your consent is required for the use of certain cookies. We do this by means of a so-called cookie banner.   

3. Types of cookies and their purposes

We use the following types of cookies:

 

- Functional cookies: these allow us to make the website function better and make it more user-friendly for the visitor. For example: we store your login details or what you have put in your shopping cart.  

- Anonymized analytical cookies: these ensure that an anonymous cookie is generated every time you visit a website. These cookies know whether you have visited the site before or not. A cookie is only created on the first visit, the existing cookie is used on subsequent visits. This cookie is for statistical purposes only. The following data can be collected:

  • the number of unique visitors
  • how often users visit the site
  • which pages users view
  • how long users view a particular page
  • at which page visitors leave the site 

- Analytical cookies: these ensure that a cookie is generated every time you visit a website. These cookies know whether you have visited the site before or not. A cookie is only created on the first visit, the existing cookie is used on subsequent visits. This cookie is for statistical purposes only. The following data can be collected, such as:

  • which pages you have viewed
  • how long you stayed on a particular page
  • at which page you left the site

- Own tracking cookies: this allows us to learn that in addition to our website, you have also visited the relevant other website(s) from our network. The profile created as a result is not linked to your name, address, e-mail address and the like, but only serves to tailor advertisements to your profile so that they are as relevant to you as possible. We ask your permission for these cookies. These cookies will therefore not be placed without your permission.                                                                                                       

- Tracking cookies from others: these keep track of which pages you visit on the internet in order to build your personal profile. This profile is not linked to your name, address, e-mail address and the like as known to us, but only serves to tailor advertisements to your profile so that they are as relevant to you as possible. We ask your permission for these cookies. These cookies will therefore not be placed without your permission.   

- Social media-related cookies: social media such as Facebook and LinkedIn register which articles and pages you share via their social media sharing buttons. They may also contain tracking cookies that monitor your surfing behavior on the web.

- Site improvement cookies/optimization cookies: these allow us to test different versions of a web page to see which page is visited best.

4. Your rights regarding your data

You have the right to inspect, rectify, limit and delete personal data. You also have the right to object to the processing of personal data and the right to data portability. You can exercise these rights by sending us an email at bram@finass.nl. To prevent abuse, we may ask you to identify yourself adequately. When it comes to accessing personal data linked to a cookie, we ask you to send a copy of the cookie in question. You can find this in the settings of your browser.

5. Block and delete cookies

You can easily block and delete cookies yourself at any time via your internet browser. You can also set your internet browser in such a way that you receive a message when a cookie is placed. You can also indicate that certain cookies may not be placed. For this option, see the help function of your browser. If you delete the cookies in your browser, this may have consequences for the pleasant use of this website.
 

Some tracking cookies are placed by third parties who, among other things, show you advertisements via our website. You can delete these cookies centrally via youronlinechoices.com

 

Please be aware that if you do not want cookies, we can no longer guarantee that our Website will work properly.

It may be that some functions of the site are lost or you may no longer be able to visit the website at all. In addition, refusing cookies does not mean that you will no longer see advertisements at all. The advertisements are then no longer tailored to your interests and can therefore be repeated more often. How you can adjust your settings varies per browser. If necessary, consult the help function of your browser, or click on one of the links below to go directly to your browser's manual.

6. New developments and unforeseen cookies

The texts of our website can be adjusted at any time due to ongoing developments. This also applies to our cookie statement. Therefore, please review this statement regularly to stay informed of any changes.

 

Blog articles may use content that is hosted on other sites and accessed on www.finassverzekert.nl by means of certain codes (embedded content).

Consider, for example, YouTube videos. These codes often use cookies. However, we have no control over what these third parties do with their cookies. It may also happen that cookies are placed via our websites by others, of which we are not always aware. Do you encounter unexpected cookies on our website that you cannot find in our overview?
Let us know via bram@finass.nl. You can also contact the third party directly and ask which cookies they place, the reason for this, what the lifespan of the cookie is and how they have guaranteed your privacy.

7. Concluding remarks

We will have to adjust these statements occasionally, for example when we adjust our website or change the rules regarding cookies.

You can consult this web page for the latest version. If you have any questions and/or comments, please contact bram@finass.nl.

For questions, product information or information about the website itself, please contact: Bram Van der Veldt, Bram@finass.nl.

This cookie statement applies since February 16, 2023.


Read More ... Cookie Policy