Works in progress
- Tools and plant insurance
- CAR or construction and erection insurance
- Environmental damage from soil pollution
Insured capacity · sector · risk class
Which business insurance you need depends mainly on your sector. The description of your activities on the policy schedule also determines what is actually covered.
Deze pagina in het Nederlands: Zakelijke verzekeringen per branche.
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
Insurers classify businesses by sector and risk class. An office with five staff, an installation firm and a hospitality business run different risks, and that works through into the cover, the requirements and the premium. The starting point is the same for everyone: a public and employers' liability insurance for injury and property damage to third parties (Article 6:162 of the Dutch Civil Code). After that it diverges.
In construction and engineering tools and plant, CAR cover for the works in progress and often environmental damage insurance are added. In business services the emphasis lies on professional indemnity and cyber. In trade, hospitality and care it is about business contents, stock and business interruption after a standstill.
What counts in every sector is the description of business activity: the sentence on the policy schedule naming your activities. Work not falling under it is not insured, even though it is the same business. On a change or extension of sector that is the first thing to be amended.
Three groups with clearly different risk profiles.
Plant, erection risk and damage to the works themselves are central.
The risk lies in mistakes in your advice and in the data you manage.
Your turnover depends on a location, business contents and goods that can be put out of action.
What is covered
| Situation | Construction and engineering | Services |
|---|---|---|
| Business liability for injury and property damage | Yes | Yes |
| Professional indemnity for advice, design or calculation | Provided that | Yes |
| CAR or erection insurance for the works in progress | Yes | No |
| Tools and plant at changing locations | Yes | No |
| Cyber cover for a data breach or ransomware | Provided that | Yes |
| Environmental damage from soil or water pollution | Provided that | No |
What is actually covered is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive before you take out cover.
Two points that keep coming back in every sector.
A policy with the insured capacity 'erection work' does not cover an advisory assignment, and 'retail' does not cover manufacturing. When you claim, the insurer looks first at that description. When you take out the policy the duty of disclosure in Article 7:928 of the Dutch Civil Codeapplies; incorrect or out-of-date information can reduce the payment or cause it to lapse (Article 7:930 of the Dutch Civil Code). If you take on a new activity, have the policy schedule amended before the work starts.
Every sector has its own limits. In construction, damage to the works themselves and subcontractors without their own cover are often excluded, and requirements apply to hot work. In services, redoing your own work and contractual penalties fall outside the cover. In trade and hospitality, gradual spoilage, refrigeration damage without a demonstrable breakdown and theft without signs of forced entry are usually excluded. Everywhere the same applies: deliberate acts and wilful recklessness are excluded (Article 7:952 of the Dutch Civil Code).
Insurers weigh these details differently. That is where your saving is.
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.
This is what people ask us most.
Because the sector determines the risk and the description on the policy schedule is the boundary of the cover. The same loss can be covered for an installer and not for an adviser. A precise declaration avoids arguments afterwards and makes sure you do not pay for risks you do not run.
Yes, provided both activities are named in the insured capacity. Insurers then work with the heaviest risk class or split the turnover. If you do not mention the second activity, losses from that part of your work fall outside the cover. Also declare seasonal work and sidelines.
Not automatically. A sector policy often fits the usual risks and requirements better, but it can also be more narrowly worded. So compare the exclusions, the limits and the excesses, not just the name of the product or the premium.
Report it to your adviser or insurer straight away. A changed activity is a change in the risk: the insurer can adjust the premium or conditions, impose additional requirements or decide not to carry the risk. Carrying on with a policy that does not name your new work means being uninsured.
Request a quote without obligation. We check the insured capacity and the cover.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
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.
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Finass Verzekert is een handelsnaam van Finass Advies B.V.
KvK-nummer 37131781
Maandag - Vrijdag: 09:00 - 17:00
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