Business liability insurance To compare

💰

Lowest Price Guarantee

🏛️

Real Estate Specialists

👤

Personal Advice

🛡️

Damage Assistance

✓

100% Independent

Real Estate Insurance

All Insurance for Your Real Estate

Specially compiled for landlords, investors and property managers.

🏢

Building insurance

Covers damage to your property due to fire, storm, water and burglary. Specially for rented real estate.

⚠️ Standard building insurance is NOT sufficient for rental!

🛡️

Liability O/G

Protects against claims in the event of damage to third parties due to your property. Up to €2.5 million coverage.

→ Liability of the landlord

⚠️ Art. 6:174 BW: owner liable for defects!

👔

Directors' liability

Personally protects directors/managers of real estate companies.

→ Directors' liability O/G

🪟

Glass insurance

Covers damage to windows, display cases and glass doors. Quick repair in case of breakage.

🌿

Environmental damage insurance

Covers remediation costs for soil or water contamination, asbestos, leaking tanks.

→ Environmental damage O/G

📦

Inventory / Tenant interest

Insure furnished rentals and inventory in rented properties.

→ Inventory & Tenant Interest

Property types

Insurance Per Property Type

We insure all types of real estate. Click on your property type for specific information.

🏠

Investment property

Rented properties

🎓

Student house

Room rental for students

🛏️

Room rental

Multiple tenants

🏨

Hotel

Hotel buildings

🍽️

Catering premises

Restaurant, cafe, bar

Office building

Office buildings

🏛️

Canal house

Monumental real estate

🏰

National monument

Protected heritage

🏡

Second home

Recreational rental

🌴

Holiday home

Rental to tourists

🏭

Shed

Industrial sheds

🏗️

Collective building

Multi-tenant business building

🚗

Garage

Garage boxes

🧱

Foundation

Foundation problems

🏬

Apartment

Rented apartments

📞

Other Type?

Call us for advice

⚠️

NB: Rental Risks

🚫

Standard Building Insurance Not Sufficient

Many private policies exclude rentals or limit coverage. Do you rent without reporting this? Then compensation for damage may be refused!

📋

Liability Art. 6:174 BW

As the owner, you are liable for damage caused by defects in your property. A roof tile on someone's head can lead to claims of hundreds of thousands of euros.

🏠

Report vacancy

Coverage may be limited if the property remains vacant for more than 2-3 months. Always report vacancies to your insurer. There are special vacancy policies.

🎓

Student rental Higher Premium

Renting to students or renting rooms involves higher risks. Higher premiums often apply and additional preventive measures are required.

Overview

All Real Estate Insurance

Request a quote → Call: 072 - 509 24 56

Why Finass

Why Choose Us?

💰

Lowest Price Guarantee

Do you find the same insurance cheaper elsewhere? Then you will get the difference back.

🏛️

Real Estate Specialists

We know the specific risks of rented real estate and investment properties.

👤

Personal Advice

Your regular advisor knows your portfolio and provides tailor-made advice.

🛡️

Damage Assistance

In the event of damage, we are on your side and help with the settlement.

📊

Portfolio Management

Multiple buildings? We provide clear portfolio management.

📋

Reconstruction Value Check

We check whether your properties are correctly insured at the correct value.

✓

100% Independent

We are not tied to one insurer and advise in your interests.

🎓

50+ Years of Expertise

More than 50 years of experience in property insurance. We know the market.

Real Estate Insurance Package

Combine all insurance policies for your real estate portfolio and benefit from a package discount.

✓ Up to 20% package discount
✓ Buildings + Liability + Glass
✓ Environmental damage + Director's liability
✓ One policy for multiple properties
✓ Clear portfolio management
✓ Annual review of reconstruction values

Request a quote →

20%

Package discount possible

FAQ

Frequently Asked Questions

No, a standard private home insurance policy often offers no or limited coverage for rental. Many insurers even explicitly exclude rental. You need specific property insurance that takes into account rental risks and liability as a landlord.

Count on €25 to €75 per month for a single-rental home. The premium depends on reconstruction value, location, type of tenant (private, student, company) and selected coverage. Package discounts of up to 20% are possible for multiple properties.

Yes, according to Article 6:174 of the Dutch Civil Code, you as the owner are liable for damage caused by a defect in your property (strict liability). Think of a roof tile blowing away that causes injury. O/G liability insurance protects you against claims up to €2.5 million.

Vacancy entails additional risks (burglary, vandalism, neglect). Many policies limit coverage for vacancy for longer than 2-3 months. Always report vacancies to your insurer. Special vacancy policies are available.

Yes, this is often advantageous for a real estate portfolio. You get a package discount of up to 20%, one point of contact and clear management. Properties can easily be added or removed. We advise on the best construction for your situation.

Yes, renting to students or renting rooms involves higher risks (more intensive use, more residents, fire safety). Higher premiums often apply and additional prevention measures are required such as smoke detectors and fire extinguishers.

Damage due to covered causes (fire, water) is insured, even if the tenant is responsible. Damage due to neglect, normal wear and tear or intentional destruction is usually not covered by home insurance. You can recover this from the tenant or guarantor.

Yes, absolutely! Are you renting out your home without reporting this? In the event of damage, payment may then be refused due to increased risk. Always report rentals to your insurer within 2 months, or take out specific property insurance immediately.

Request a Free Quote

Receive personal advice about the best insurance for your real estate portfolio.

HOA Compare insurance policies

Protect your apartment complex and homeowners' association board with the right insurance. Building and liability are mandatory. We advise your homeowners' association about all coverage.

9.5

Customer appreciation

50+

Years of Expertise

Compulsory Insurance

125K

Homeowners' Associations in the Netherlands

💰

Lowest Price Guarantee

🏢

VvE Specialists

👤

Personal Advice

🛡️

Damage Assistance

✓

100% Independent

VvE Insurance

All Insurance for your homeowners' association

Two insurance policies are mandatory. There are also important additional insurance policies.

🏢

Building insurance

Covers damage to the apartment complex due to fire, storm, water, burglary and more.

⚠️ Legally required according to the deed of division!

🛡️

Liability

Covers damage to third parties caused by the building, such as roof tiles blowing away.

→ Liability VvE

⚠️ Legally required since model regulations 1983!

👔

Directors' liability

Personally protects homeowners' association directors against claims for errors or negligence.

→ Directors' liability

💡 Protect your private assets as a director!

⚖️

Legal aid

Legal assistance in conflicts with contractors, members or other parties.

→ Legal assistance VvE

📋

Other Insurance

Additional coverage for specific risks of your homeowners' association.

📦

HOA Package

Combine all insurance policies and benefit from a package discount and overview.

→ HOA Insurance Package

💰 Up to 15% package discount!

View package →

Overview

All homeowners' association insurances

More about Owner's Interest →

Premises / Building

OBLIGED

🛡️

Liability

OBLIGED

👔

Directors

Recommended

🪟

Glass

Optional

⚖️

Legal aid

Optional

🌿

Environmental damage

Optional

🏠

What is Owner's interest?

Owner's interest are all improvements that an apartment owner has made after the original completion. These are not automatically covered by the homeowners' association building insurance!

The appraisal report often contains a 'provisional item' for a standard finishing level. Are your adjustments more expensive? Then you may be underinsured. More than half of the homeowners' association directors and owners are not aware of this.

Solution: The owner's interest can be insured collectively via the homeowners' association, or individually by each owner separately. We are happy to advise you on the best option for your situation.

Examples of Owner's Interest:

🍳 New or improved kitchen
🚿 Renovated bathroom
🪵 Expensive floors (parquet, tiles)
🏗️ Plastered walls and ceilings
🚪 Sliding doors to balcony
⚡ Extensive electricity
🌡️ Underfloor heating

Checklist

Who Insures What?

Clarity about the responsibilities of the homeowners' association and individual owners.

🏢 The VvE insures

✓
Common areas
Facades, roof, foundation, stairwells, elevators
✓
Structural parts
Load-bearing walls, floors, ceilings between apartments
✓
Common installations
Central heating boiler, pipes, sewer up to individual connection
✓
Liability VvE
Damage to third parties by the building

👤 Owner Self-Insures

✓
Contents
Furniture, clothing, electronics, personal belongings
✓
Ownership interest (optional)
Kitchen, bathroom, floors above set post
✓
Private liability
Personal liability as a resident
✓
Private legal aid
Legal assistance for private matters

🚨 Please note: Personal Liability as a VvE Director

As a director of a homeowners' association, you make decisions on behalf of the association. In case of errors or negligence, you can personally liable are asked - also as a volunteer! Your private assets are then at risk.

⚠️ Wrong decisions during major maintenance
⚠️ Negligence in repairs (e.g. leaking roof)
⚠️ Errors in contracts with contractors
⚠️ Fraud by a fellow board member
⚠️ Failure to comply with legal obligations

Protect Your Private Assets →

🛡️

Directors liability insurance

Protects your private assets in the event of personal liability as a homeowners' association director

Why Finass

Why Choose Us?

💰

Lowest Price Guarantee

Do you find the same insurance cheaper elsewhere? Then you will get the difference back.

🏢

VvE Specialists

We know the specific risks and obligations of homeowners' associations.

👤

Personal Advice

Your regular advisor knows your homeowners' association and provides tailor-made advice for your situation.

🛡️

Damage Assistance

In the event of damage, we are on your side and help with the settlement towards the insurer.

📋

Apartment clause

We ensure that your policy includes an apartment clause for extra protection.

📊

Reconstruction Value Check

We check whether your homeowners' association is correctly insured for the correct reconstruction value.

✓

100% Independent

We are not tied to one insurer and always advise in your interest.

🎓

50+ Years of Expertise

More than 50 years of experience in insurance. We know the market and the conditions.

HOA Insurance Package

Combine all homeowners' association insurance and benefit from a discount, overview and one point of contact.

✓ Up to 15% package discount
✓ Building + Liability (mandatory)
✓ Directors' liability
✓ Glass, Legal Aid, Accidents
✓ One policy, one point of contact
✓ Annual review of coverage

View HOA package →

15%

Package discount possible

FAQ

Frequently Asked Questions

A homeowners' association is legally obliged to take out two insurance policies: buildings insurance (building insurance) and liability insurance. This is stated in the deed of division and the model regulations. Without these insurances, the homeowners' association runs major financial risks in the event of damage.

An apartment clause ensures that the insurer compensates damage, even if it was caused by the fault or intent of an individual owner (such as a cannabis plantation or arson). This protects all owners from the consequences of one owner's actions. Essential for every homeowners' association policy!

Owner's interest are improvements that an owner has made after completion, such as a new kitchen, bathroom or floor. These are not automatically covered by the homeowners' association building insurance. The valuation report contains a 'provisional item'. Are your adjustments more expensive? Then you may be underinsured.

Not required, but highly recommended! HOA directors can be held personally liable for errors or negligence, including volunteer directors. This insurance protects the private assets of directors in the event of claims.

The reconstruction value is the amount needed to completely rebuild the building. This is the basis for home insurance. A professional appraisal is necessary. If you are underinsured, you will not receive the full amount in the event of damage and all owners must contribute to the shortfall.

Yes, a 'dormant homeowners' association' is also obliged to take out collective buildings insurance. Individual building insurance policies are not sufficient, because communal areas may not be covered. We are happy to advise dormant homeowners' associations about the right collective insurance.

The homeowners' association insurance is paid from the service costs that all owners pay to the homeowners' association. The members' meeting decides on the choice of insurer and coverage. The board takes out insurance on behalf of the VvE after approval of the meeting.

Report damage immediately to the homeowners' association board or the insurer/intermediary. Ask whether you can start recovery or whether an expert must come first. In the event of major damage, the insurer will send a damage expert. Always wait with repairs until you have received approval from the insurer.

Request a Free Quote

Receive personal advice about the best insurance for your homeowners' association. We ensure that you are correctly insured.

Request a quote → Call: 072 - 509 24 56

Self-employed Compare insurance policies

Protect yourself and your company with the right insurance. Compare premiums from all providers, get personal advice and save on your business insurance.

9.5

Customer appreciation

50+

Years of Expertise

30+

Insurers

1.2M

Self-employed people in the Netherlands

💰

Lowest Price Guarantee

📋

Premium Tax Deductible

👤

Personal Advice

🛡️

Damage Assistance

✓

100% Independent

Self-employed Insurance

All Insurance for self-employed people

Choose the insurance that suits your profession and situation.

🛡️

Liability

Protect yourself against claims and damages. Often required by clients.

💡 Often required by clients!

🏥

Disability

Insure your income in the event of illness or accident. Will become mandatory from 2027-2030.

⚠️ Close now = transitional law!

💼

Company assets

Insure your tools, inventory and goods on the road.

⚖️

Legal aid

Legal assistance in conflicts with clients, suppliers or government.

→ Legal assistance self-employed

🚐

Business Vehicles

Insure your company car, van or other business vehicle.

Compare AOVs → Free AOV Advice

📦

Self-Employed Package

Combine multiple insurance policies and benefit from a package discount.

→ Self-Employed Insurance Package

💰 Up to 15% package discount!

View package →

⚠️

Mandatory AOV (BAZ) Coming!

The government is working on a mandatory Basic Disability Insurance for the Self-Employed (BAZ). This has major consequences for all self-employed people. Here are the key points:

Premium

5.4% of profit

Max. €171/month

Waiting time

2 year

Bridging the first 2 years yourself

Max. Benefit

±€2,200 /month

70% of minimum wage

📅 Expected Timeline

2025-2026

Bill treatment

2026

Transitional law reference date

2027-2030

Expected introduction

💡 Tip: Take out a private AOV now! You then have more freedom of choice (shorter waiting period, higher benefit, own profession) and you may fall under transitional law.

Popular

Most Chosen Self-Employed Insurance

🛡️

AVB

From €5/month

📋

BAV

From €10/month

🏥

AOV

From €90/month

⚖️

Legal aid

From €12/month

🧰

Inventory

From €8/month

📦

Self-Employed Package

Up to 15% discount

Professions

Insurance By Profession

Every profession has specific risks. We advise you on the best coverage.

💻

IT & Development

BAV, cyber, equipment

🏗️

Construction & Technology

AVB, CAR, tools

📊

Consultancy

BAV, legal assistance

🎨

Creative & Design

BAV, inventory

🏥

Care & Welfare

BAV, AVB, AOV

📝

Administration

BAV, legal assistance

🚚

Transport & Courier

AVB, own transport, car

📸

Media & Photography

AVB, equipment

✅ Self-Employed Insurance Checklist

⚠️

AOV (Work Disability)

Becomes mandatory! Close now = transitional law

⚠️

Liability (AVB)

Often required by clients

✓

Professional liability (BAV)

For advice and knowledge work

✓

Legal aid

Legal assistance in conflicts

✓

Inventory & Tools

For physical assets

✓

Business Car

Mandatory for commercial vehicles

Why Finass

Why Choose Us?

💰

Lowest Price Guarantee

Do you find the same insurance cheaper elsewhere? Then you get the difference back.

📋

Tax Deductible

Self-employed insurance is a business expense and is therefore deductible from your profit.

👤

Personal Advice

We know the risks of your profession and provide tailor-made advice.

🛡️

Damage Assistance

In the event of damage, we are on your side and help with the settlement.

🏆

30+ Insurers

We compare all self-employed insurers for the best coverage and price.

⚡

Quickly arranged

Immediately receive a quote, fast acceptance and insured the same day.

✓

100% Independent

We are not tied to one insurer and advise in your interests.

🎓

50+ Years of Expertise

More than 50 years of experience in insurance. We know the market.

Self-Employed Insurance Package

Combine multiple insurance policies and benefit from discounts, overview and convenience.

✓ Up to 15% package discount
✓ One contact person for questions and damage
✓ Clear administration
✓ Flexibly adapt to your situation
✓ Fiscally beneficial

View self-employed package →

Popular package from

€49/month

AVB + BAV + Legal Aid

FAQ

Frequently Asked Questions

Currently, car insurance is only mandatory if you have a company car. An AOV (BAZ) will become mandatory from 2027-2030. In addition, many clients require an AVB and/or BAV. In practice, liability insurance is often necessary to obtain orders.

AVB (liability insurance) costs from €5-15 per month. A BAV (professional liability) costs from €10-25 per month. The exact premium depends on your profession, turnover and amount insured. At Finass we compare all providers for the best price.

The mandatory AOV (BAZ) is expected to be introduced around 2027-2030. The premium will be approximately 5.4% of your profit (max €171/month), waiting period 2 years, benefit max minimum wage. Tip: take out an AOV now for transitional law and more freedom of choice.

AVB (liability) covers damage to persons or property caused by your work. BAV (professional liability) covers financial loss due to professional errors, such as incorrect advice or errors in work delivered. Builders and technicians mainly need AVB, advisors and consultants mainly need BAV.

Yes, all business insurance is tax deductible as a business expense. This also applies to the AOV premium. Depending on your income, you will get 35-52% back through your tax return. This often makes net insurance cheaper than the gross premium.

Yes, even as a starter you run risks. An AVB or BAV is often required to receive assignments. An AOV protects your income in the event of illness. In any case, start with liability insurance and consider a disability insurance now that the mandatory variant is coming.

If you are also employed in addition to your self-employed work, you are already partially insured through your employer (WIA). A franchise scheme will be introduced for the mandatory AOV (BAZ) so that you do not pay twice. Your self-employed activities must be insured separately in terms of liability.

Yes, most self-employed insurance policies can be adjusted flexibly. You can expand coverage as you grow, adjust the insured amount or add insurance. With a package you have one point of contact for all changes.

Start Comparing

Find the best insurance for your self-employed situation. Personal advice, lowest price guarantee.

Free Consultation → Call: 072 - 509 24 56

SME Compare insurance policies

Protect your business with the right insurance. Compare premiums, coverage and conditions of all specialized business insurers. Personal advice and assistance in the event of damage.

9.5

Customer appreciation

50+

Years of Expertise

25%

Package discount

30+

Insurers

💰

Lowest Price Guarantee

📦

Up to 25% Package Discount

👤

Personal Advice

🛡️

Damage Assistance

✓

100% Independent

SME Insurance

All Business Insurance

Choose the category that suits your company and immediately compare the best insurance policies.

🛡️

Liability

Protect your company against claims and damages from third parties.

🏭

Company assets

Insure your building, inventory, machines and business interruption.

🚐

Fleet & Traffic

Insure your commercial vehicles and fleet affordably.

📦

Transport & Transportation

Insure your goods en route and during transport.

👥

Personnel & Income

Protect yourself and your employees against illness and disability.

⚠️ Absenteeism insurance mandatory for staff!

⚙️

Specialist Insurance

Industry-specific insurance for special risks.

Popular

Most Chosen SME Insurance

🛡️

AVB

Company liability

📋

BAV

Professional liability

🏭

Inventory

Goods & machines

📉

Business damage

Loss of turnover

🤒

Absence

Sick staff

🚗

Business Car

Commercial vehicle

🚐

Delivery van

Bus insurance

🚛

Fleet

Multiple vehicles

⚖️

Legal aid

Legal assistance