Public and employers' liability
- Injury to customers or visitors
- Damage on site
- Employers' liability
Insurance for warehousing and storage
A warehouse often holds more value belonging to others than to you. That changes the question of who insures what, and who is liable when things go wrong.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
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 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 storage business insures the building and its own business contents, but the key question is who insures the goods in storage: you or your client.
In addition, fire prevention and internal transport are decisive. Construction type, compartmentation and forklift use weigh heavily when cover is assessed.
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We compare your WEGAS/WEGAM insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
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What does warehouse and storage insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Business assets
Business contents, goods and the building you work in.
- Business contents and stock
- Machinery and equipment
- Buildings or tenant's improvements
Continuity
What you need to keep going after a loss.
- Business interruption
- Additional costs
- Sickness absence and staff
What is covered
| Section | Nearly always needed | Depending on your situation |
|---|---|---|
| Buildings and business contents, premises and your own property | Yes | No |
| Goods — your own stock | Yes | No |
| Public and employers' liability (AVB) — damage to third-party goods | Yes | No |
| Forklift truck and plant, internal transport | No | Yes |
| Business interruption, standstill after a loss | No | Yes |
| Cyber — stock systems | No | Yes |
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?
- Annual turnover and payroll: the main basis for calculation
- Activities and risk class
- Number of employees: including hired-in staff
- Sum insured per claim
- Excess chosen
- Working area: the Netherlands, the EU or worldwide
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your 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.
Third-party goods
Your business contents policy covers your own property. Customers' goods in storage call for a separate arrangement or liability cover.
Insulation and compartmentation
The type of panel core and fire-resistant separations determine the premium more strongly than the value of the building.
Forklift trucks and damage to racking
Collisions with racking are the most common type of loss. Make sure liability cover and inspections are in order.
The gap when staff take part in traffic
Your AVB covers employer's liability under Article 7:658 of the Dutch Civil Code, but excludes motor vehicles. It was precisely there that the Supreme Court, on 1 February 2008, recognised a separate liability based on good employment practice: an employer must arrange proper insurance for staff who take part in traffic as drivers for work. A WEGAS policy fills that gap.
The limitation clock starts when you are held liable
A claim against your insurer becomes time-barred after three years under Article 7:942 of the Dutch Civil Code. With liability insurance that period starts to run as soon as you are held liable, not at the time of the incident. Any negotiation with the insurer or the injured party interrupts the period. So notify immediately, even if you dispute the claim.
Frequently asked questions
This is what people ask us most.
Who insures customers' goods in storage?
You have to set that out in the contract. Your business contents policy does not cover them. A separate arrangement or liability cover is needed.
Why does the insurer ask about insulation material?
Because combustible panel cores let fire spread quickly. For industrial units that is the most important acceptance question.
Is damage to racking caused by a forklift truck covered?
Damage to your own racking falls under business contents; damage to third-party goods falls under liability.
Does compartmentation help?
Yes, considerably. Fire-resistant separations limit the size of a loss and reduce the premium.
Is injury to my employee in traffic covered?
Not on the AVB, which excludes motor vehicles, and not on the motor policy either. For that you need a WEGAS policy. The Supreme Court anchored that liability in the good employment practice requirement of Article 7:611 of the Dutch Civil Code.
What is the difference between the AVB and the BAV?
The AVB covers damage to property and injury to people. The BAV covers pure financial loss: financial disadvantage caused by a mistake, without anything being broken or anyone being hurt. Anyone who both carries out work and gives advice needs both.
Every situation is different. For these situations we have a separate page.
- WEGAS and WEGAM: what is the difference?The main page
- Employees' accident and damage insuranceSVI, road traffic risk, alongside the AVB
- WEGAS employee injury insurance through HienfeldDirect cover, good employment practice, injury to staff
- Traffic accident insurance for employees through a.s.r.Good employment practice, own fault, all means of transport
- Insurance for warehousesStorage, third-party goods, fire
- Buildings insurance (opstalverzekering) for warehousesStorage, compartmentation, sprinklers
- Business contents insurance for warehousesRacking, stock, sprinklers
- Compare public and employers' liability insurance (AVB)Care, custody and control, Article 7:658 of the Dutch Civil Code, motor vehicle exclusion
- WEGAS and WEGAM insuranceThe traffic gap, Article 7:611 of the Dutch Civil Code, proper insurance
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.