U commerciele eigendomsverzekering bedrijf nodig hebt
Finass Verzekert vergelijkt onafhankelijk de autoverzekering voor gecombineerd zakelijk en privé gebruik. Wij vergelijken meerdere verzekeraars. AFM-geregistreerd en Kifid-aangesloten.
Zakelijk en privé in één auto
Gebruikt u uw auto zowel zakelijk als privé? Dan is het belangrijk dat uw dekking daarop aansluit — zodat u in beide situaties goed verzekerd bent.
Wij stemmen de dekking af op uw gebruik en kilometrage, en adviseren over WA, WA + Beperkt Casco of Allrisk. Rijdt u met een bestelauto? Dan verzekert u de lading apart met een eigen vervoerverzekering.
Bekijk de verzekeringen
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Bekijk in deze korte video waar u op moet letten en welke keuzes bij uw situatie passen.
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Waarom uw autoverzekering afsluiten via Finass Verzekert?
Als onafhankelijk adviseur vergelijken wij meer dan 30 Nederlandse verzekeraars en kijken we met u mee — geen vergelijkingssite, maar een echte adviseur.
- meerdere verzekeraarsBrede vergelijking voor de beste premie
- Binnen 2 minutenPremie berekend op basis van kenteken
- 100% onafhankelijkGeen voorkeur voor verzekeraars
- Persoonlijk adviesBereikbaar 6 dagen per week
Wat onze klanten zeggen over hun autoverzekering
Klanten beoordelen Finass Verzekert gemiddeld met een 9,5 en de afhandeling van autoschade met een 9,8.
“Binnen een dag overgestapt en €230 per jaar goedkoper. Fijn dat een echte adviseur meekeek in plaats van alleen een vergelijkingssite.”
“Ik twijfelde tussen WA+ en Allrisk. Het advies was helder en eerlijk, afgestemd op de waarde van mijn auto.”
“Als starter betaalde ik overal veel. Hier kreeg ik onafhankelijk advies over de voordeligste verzekeraar voor mijn situatie.”
“Na een aanrijding meteen geholpen en de schade snel afgewikkeld. Prettig dat je een vast aanspreekpunt hebt.”
Al verzekerd en schade?
Meld uw schade direct, of zoek de polisvoorwaarden en formulieren van uw verzekeraar. Bij schade belt u ons het snelst op 072 - 509 24 56.
A lender's requirement · rebuilding time · owner's liability
Why your business needs commercial property insurance
Insuring business premises is not a legal obligation. It is a requirement of your lender, an obligation under your lease and the only way to still have a business after a fire.
- Several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Waarom uw bedrijf een commerciële eigendomsverzekering nodig heeft.
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 your own premium with the calculator.
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.
In brief
For commercial property there is no insurance obligation as there is for a motor vehicle. Even so, you can rarely avoid it. A mortgage lender almost always stipulates that the security is insured and that it is named on the policy as an interested party. If you let the property, the lease places the structural cover with you and the fit-out with the tenant. So anyone without cover first breaches a contract and only then harms their own interests.
The real argument lies in the time it takes to repair. A home that burns down costs you a roof over your head; business premises that burn down also cost you your production, your storage and your customers. Permits, demolition, tendering and rebuilding take months to years. That is why, for a business, the buildings cover should always be looked at together with a business interruption insurance and with the business contents insurance: three policies that have to be matched to the same indemnity period.
Apart from the material loss, as owner you carry a liability that does not depend on fault. Article 6:174 of the Dutch Civil Code makes the owner of a defective building liable for the damage arising from it: a facade panel that comes loose, a canopy that gives way, a slippery works staircase. You do not have to have done anything wrong. That liability is not on the buildings policy but on your public and employers' liability insurance.
This page deals with one situation. The full overview is on Compare buildings insurance (opstalverzekering).
What to look out for
Four points that go wrong more often with commercial property than the choice between fire and extended cover.
The use determines acceptance
An insurer does not accept a building but a use. Storing plastics, charging batteries, a deep-fat frying installation or a workshop in part of the building changes the fire picture radically. If you withhold that on the application, you run into Article 7:928 of the Dutch Civil Code; if it turns out later that the insurer would not have accepted the risk, or would have accepted it differently, had the declaration been correct, Article 7:930 of the Dutch Civil Code gives it scope to reduce or refuse payment.
Rebuild value, sale value or a valuation
With a property you are not going to rebuild, because the location has no future for example, the policy often pays the lower sale value. Record in advance which basis applies and whether there is a valuation under Article 7:960 of the Dutch Civil Code underlying it. Without that agreement the discussion only takes place after the fire, with a loss adjuster who does not know your plans.
Vacancy and temporary different use
As soon as part of the building stands empty, cover is almost always reduced to a limited number of perils. Burglary, vandalism and water damage then usually fall outside it. That also applies with a temporary subtenant or a property awaiting sale. Report a vacancy actively; waiting until the next renewal is too late.
What is excluded in any event
No buildings policy pays for damage caused by deferred maintenance, construction defects and gradual effects such as damp, corrosion or subsidence. Flooding caused by a primary flood defence giving way is excluded, as is groundwater entering the building. Administrative fines, penalty payments and the costs of remedying an unlawful situation do not belong on it either.
What does your premium depend on?
- Construction type and roof structure — masonry with a hard roof covering counts differently from timber or sandwich panels
- Business activity in the building — the heaviest use determines the conditions
- Sum insured and index-linking — determines whether underinsurance arises as building costs rise
- Prevention and security — electrical inspection, fire extinguishers, alarm and compartmentation
- Location and neighbouring buildings — adjoining premises and the water risk of the site
- Excess and the perils chosen — fire and storm or extended, with or without glass
Insurers weigh these details differently. That is why comparing pays off.
What is covered
| Situation | Buildings policy | Business interruption policy |
|---|---|---|
| Fire destroys the production hall and the building has to be rebuilt from the ground up | Yes | No |
| Turnover falls away during the months you wait for the demolition permit and the tendering process | No | Yes |
| A lightning strike knocks out the fixed electrical installation and the business is at a standstill for two days | Yes | Provided that |
| A storm tears the facade cladding loose and the repairs keep the entrance closed off for weeks | Yes | Provided that |
| Burglars take the machines and the forklift truck from the warehouse | No | No |
| Your largest customer goes bankrupt and your turnover halves from one month to the next | No | No |
Business interruption cover only comes into play after an insured material loss; loose machinery and stock belong on the business contents insurance.
Frequently asked questions
The questions we are asked most often about this.
Is buildings insurance for my business required by law?
No. There is no legal obligation to insure commercial property. In practice your lender imposes the requirement in the mortgage deed and the lease records who insures the structure. So without cover you are in breach of contract, even though you are not breaking any law. What exactly falls under the cover is set out on the hub page about buildings insurance.
What happens if the sum insured turns out to be too low?
Underinsurance follows. The insurer pays in proportion: if the property is on the policy for too low an amount, you are only paid part even for a small loss. An index clause or a periodic valuation prevents that. The background is described at underinsurance.
Does the policy also cover the rent I miss?
Not as standard. Loss of rent is a separate section that you usually have to include, with a maximum indemnity period. If you do not let the property but use it yourself, it is business interruption: the loss of turnover while fixed costs continue. Both covers are limited in time, so the period chosen has to be realistic in relation to a rebuilding project including permits.
Who pays if a facade panel falls on a car?
That is liability, not damage to your own property. As the owner of a defective building you are liable under Article 6:174 of the Dutch Civil Code, even without fault. The claim belongs on your business liability insurance. Report such an incident immediately: Article 7:941 DCC requires you to inform the insurer as soon as you can reasonably be expected to know about the loss.