Liability
- Damage to third parties
- Employers' liability
- Care, custody and control as an extension
Types of property and their risks
With property it is not the building but the use made of it that determines which questions an insurer asks and which clauses go on the policy.
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Work out for yourself what it would cost.
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.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
A home, an office building, a shop and an industrial unit with a spray booth are four different risks to an insurer, even if the rebuild value is comparable. With homes, acceptance turns on the construction type, the year of construction and whether rooms are let individually. With offices, on the installations, the pipework and how long the premises stand empty. With business premises, on the the tenant's activity, because that determines the fire class of your property.
As the owner you also bear the liability under Article 6:174 of the Dutch Civil Code for a defective structure: a roof tile that comes loose, a balcony railing that gives way, a slippery entrance where you let maintenance slide. That liability follows ownership and not use, and if you let the property it stays with you. See also when liability cover for property is compulsory.
For each property we take stock of the use, the construction type and the occupancy and record it in the application. If the use changes during the term, that is a change of risk you must report. If that is omitted, the insurer can reduce the payout in line with the premium that would have matched the actual risk. You can read more by property type under insurance for property.
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What does property type and its risks 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.
What does your premium depend on?
- Construction type and roof covering. Masonry with a hard roof covering is the norm; timber, thatch or sandwich panels with a combustible core deviate from it.
- Use by the tenant. The business activity in the property determines the risk class, even where you do nothing in the property yourself.
- Compartmentation and fire-fighting provisions. Fire-resistant separations between units limit the maximum loss from one event.
- Vacancy and expected duration of vacancy. An empty property carries a higher risk of burglary, vandalism and unnoticed leaks.
- Rebuild value and indexation. The basis is rebuilding, not market value. Without an up-to-date valuation, underinsurance arises.
- Security and access. Locks and fittings, detection and the number of parties holding a key are taken into account for burglary and vandalism risk.
Insurers weigh these details differently. That is where your saving is.
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.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Homes: construction type and the number of households
With let homes the insurer looks at the structure, the roof covering and above all at the number of independent households behind one front door. Letting rooms individually and house sharing increase the fire risk and the frequency of claims and call for their own acceptance. If you let a property registered as a single-family home to four students, you are insuring a different property from the one on the policy schedule.
Offices: installations and the gap between tenants
In office buildings, most claims money goes on mains water, climate installations and server rooms, not on fire. A leaking cooling unit above an upper floor causes more damage in one night than a fire in its early stages. Offices also stand empty more often between two tenants. Report that vacancy: after the period stated in the policy, cover usually falls back to limited fire and storm cover.
Business premises: your tenant determines your fire class
In an industrial unit, the activity inside is decisive. Storage of plastics, batteries or paints, a spray booth, a joinery workshop or charging infrastructure for forklift trucks lifts the property into a heavier class, even if you only let it. Include an obligation in the tenancy agreement to report any change of business activity and check that periodically on site, not just on paper.
What is covered for no property type
Damage from deferred maintenance, gradual water ingress and construction defects falls outside cover everywhere. Repair of foundations after pile rot or subsidence is excluded. Costs of removing asbestos released after a covered loss often are too, or are capped. And a fall in the value of the property after it has been repaired is not reimbursed: the policy pays for repair, not market value.
Frequently asked questions
This is what people ask us most.
Why does the insurer ask about my tenant's activity?
Because the chance of fire and its extent are almost entirely determined by use. A property in office use and the same property with a battery workshop have the same rebuild value and a completely different expected loss. The activity is therefore stated on the policy schedule. If it changes, that is a change of risk you must report.
My property is temporarily empty. What changes?
Virtually every buildings policy has a vacancy clause. Within the period stated, cover usually continues unchanged. After that it falls back to fire, storm and sometimes lightning strike, and burglary, vandalism and water damage lapse. So report vacancy as soon as you know of it, even if you expect to have a new tenant soon.
Am I liable as the owner for a defect in the property?
Yes. Article 6:174 of the Dutch Civil Code places liability for a defective structure with the possessor, regardless of fault and regardless of who uses the property. If facade cladding falls or a balcony railing gives way, you are liable for the injury that follows. Property owner's liability insurance covers this risk.
Can I put different property types on one policy?
You can, and that often happens with a portfolio, but each property keeps its own risk characteristics and clauses. The premium is built up property by property. The advantage lies in one point of contact, one renewal date and one claims history; the drawback is that a series of claims on one property affects the whole policy at renewal.
Every situation is different. For these situations we have a separate page.
- Insuring a home that you letThe main page
- Insuring an investment propertyLoss of rent, use, financing
- Buildings insurance (opstalverzekering) when lettingReporting, commercial use, tenant risk
- Insuring your property investmentRebuild value, use, liability
- Buildings insurance (opstalverzekering) for a let homeReporting the letting, tenant damage, loss of rent
- Insurance for your second home: what do you need to know?Second home, vacancy, letting
- Insurance for property ownersPortfolio, tenants, vacancy
- Tenant's improvements in propertyWhat the tenant installed, outside the buildings policy, declaring it
- Glass insurance for propertyLease, shop windows, portfolio
Read more
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 compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.