Liability
- AVB for injury and property damage
- Professional indemnity for advisory work
- Employers' liability where you have staff
Business insurance: what does that mean?
'Zakenverzekering' is not an official product name in the Netherlands. It is an umbrella term for the insurance a business takes out. Below you can read which policies it actually covers.
- 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
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
If you are looking for a 'zakenverzekering', you are almost always looking for one of three things: cover for damage you cause to someone else, for your own business possessions, or for loss of turnover if the work stops. There is no single policy covering those three in one product; they are separate policies that you can put on one policy schedule.
For the first you need public and employers' liability insurance: injury and property damage to third parties, usually assessed under tort (Article 6:162 of the Dutch Civil Code). For the second, business contents, goods or tools insurance, and for company vehicles at least the compulsory third-party liability cover (Article 2 of the Dutch Motor Insurance Liability Act (WAM)).
For the third there is business interruption insurance, which pays continuing costs and lost gross profit for as long as you cannot work normally after a covered loss. Which of the three weighs heaviest for you depends on your work: an adviser has little in the way of business contents but a great deal of advisory risk, a trading company exactly the other way round.
Insurance that matches your sector
Every sector carries its own risks. We translate those into cover that genuinely fits what you do day to day, rather than a standard package that just happens to apply to your business too.
SectorsPhoto coming soon
TailoredPhoto coming soon
CoverPhoto coming soon
What lies behind the term?
Three types of cover that together make up the picture of a 'zakenverzekering'.
Business assets
The things you work with and the stock you sell.
- Business contents, machines and electronics
- Trading goods and stock
- Tools and plant in transit
Continuing costs
What you keep paying while no turnover comes in.
- Business interruption after a fire or breakdown
- Additional costs for temporary premises
- Legal expenses cover for disputes
What is covered
| Situation | Liability | Business contents and goods |
|---|---|---|
| Injury to a visitor at your business premises | Yes | No |
| Fire damage to your own business contents | No | Yes |
| Theft of trading stock after forced entry | No | Provided that |
| Loss of turnover for as long as your premises are closed | No | No |
| Pure financial loss from an advice error | No | No |
| Damage to a customer's property in your custody | 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.
What does your premium depend on?
- Activities: business activity and risk class
- Turnover and payroll: the basis for liability
- Sums insured: business contents, goods, limits
- Premises and location: type of construction, neighbours, security
- Excess: per event or per year
- Claims history: earlier claims count
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, risk 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.
Look at the name and at the content
Two points when choosing a business policy.
A product name says little
Providers use names such as business package, entrepreneur's package or company policy for widely differing combinations. So look not at the name but at the description of business activity, the sums insured and the exclusions. Two policies with the same name can differ in care, custody and control cover, territory or excess. Always ask for the insurance card (verzekeringskaart) and the policy conditions before you sign, and compare them side by side instead of just the premium.
What falls outside every business policy
Whatever the name, certain things remain excluded: intent and wilful recklessness (Article 7:952 of the Dutch Civil Code), fines and penalty payments, wear, deferred maintenance and design faults, and the redoing your own work. Theft without signs of forced entry, goods you leave unattended in a van and damage during vacancy or building work are also often excluded or limited. Report a loss as soon as reasonably possible (Article 7:941 of the Dutch Civil Code).
Frequently asked questions
This is what people ask us most.
Is there one policy that covers everything for my business?
No. There is no product bringing liability, assets, standstill, vehicles and staff together in one cover. Insurers do offer packages in which those policies appear on one schedule, with one start date and often a package discount. Within them the covers and sums insured are still set part by part.
Is business insurance compulsory?
Only third-party liability cover for motor vehicles registered to the business is compulsory by law, under Article 2 of the Dutch Motor Insurance Liability Act (WAM). Beyond that the Netherlands has no general insurance requirement for business owners. Clients, tenders, landlords or a professional body do often set requirements, for instance a minimum sum insured for liability.
I work from home. Is my private insurance enough?
Usually not. Personal liability insurance expressly excludes damage arising from a profession or business, and home contents insurance covers business contents and stock only to a limited extent or not at all. If you work from home, report that on your home policies and take out separate cover for the business side.
Where do I start if I have nothing yet?
Start with liability: that is the loss you are least able to carry yourself, certainly where injury is involved. Then add your business assets if you work with equipment, stock or expensive kit. Business interruption and legal expenses follow as soon as a standstill or a legal dispute would hit your turnover directly.
Every situation is different. For these situations we have a separate page.
- Business interruption insurance by sectorThe main page
- Zip insurance: what does it mean?Confusion over names, compulsory, recommended
- Business insurance by sectorInsured capacity, sector, risk class
- Business insurance tailored to your companyReview, insured capacity, sums insured
- The process operator and their insuranceProcess industry, 6:162 BW, care, custody and control
- What kinds of insurance exist?Property, liability, income
- Business insurance and what happens outside the premisesSections, risk address, motor vehicles
- Business insurance at a glanceLiability, assets, continuity
- Complete insurance package for self-employed professionalsLiability, equipment, continuity
Want to know which policies you need?
Request a quote without obligation. We set out your risks.
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.