Fire and associated hazards
Coverage for fire, explosion, lightning, induction, smoke and soot damage and consequential damage.
Business building insurance
You insure it with commercial buildings insurance business premises itself: the walls, roofs and fixed installations. Finass Verzekert helps with a correct one rebuilding value, appropriate coverage for fire, storm, burglary, water damage and any bijzondere risico's such as solar panels or charging stations.
Quick start
- Reconstruction value check and policy review
- Customization for office, shop, industrial hall or rented properties
- Quote and advice within 1 working day
Why commercial building insurance is indispensable
Protection of your business premises
Damage caused by fire, storm, water damage or vandalism can entail enormous costs. Building insurance covers damage to the building.
Avoid underinsurance
A correct reconstruction value prevents you from having to pay part of your own costs in the event of major damage. We help to properly estimate the value.
Required by bank or landlord
Business building insurance is often mandatory for mortgages or financing. Tenants and financiers also expect clear coverage for rented properties.
Which coverage suits your business premises?
Storm and water damage
Damage due to storm, hail, precipitation leakage, burst pipes and overflows (if included in the insurance).
Inbraak, vandalisme & aanrijding
Damage to windows, doors, facades and fencing due to burglary, vandalism or vehicle collisions.
Zonnepanelen & laadpalen
Solar panels, charging stations and other fixed installations attached to or on the building can be included in the insurance.
Opruimingskosten & huurdersbelang
Opruimingskosten na een gedekte schade en — waar van toepassing — huurdersbelang of verbeteringen die u zelf heeft aangebracht.
What determines the premium of your commercial building insurance?
rebuilding value & bouwjaar
The costs of rebuilding the building form the basis. Year of construction, surface area and materials used play a role in this.
Use of the property
Office, shop, practice, logistics, production or storage? The use determines the risk and therefore the premium.
Locatie & omgeving
Postcode, aanwezigheid van belendingen, bluswatervoorzieningen, brandweeropkomst and any overstromingsrisico's.
Beveiliging & preventie
Alarm system, compartmentalization, roofing, sprinklers or other prevention measures can result in a premium discount.
Schadeverleden & eigen risico
Previous claims and the chosen deductible are reflected in the final premium.
Curious what this means for your business premises? Request a tailor-made proposal.
For which buildings is commercial buildings insurance suitable?
Kantoren & praktijkruimtes
Detached offices, collective buildings, practices and service companies.
Winkels & horeca
Shops, showrooms, restaurants and other public spaces.
Bedrijfshallen & opslag
Warehouses, production halls, logistics centers and workshops.
Rented commercial properties
Properties that are (partially) rented to third parties; buildings with the owner, inventory/stock with the tenants.
Combination living/working
Properties with residential and commercial parts; coordination between private buildings and business buildings is important.
Nieuwbouw & verbouw
Temporary or modified coverage may also be required for new construction or major renovations.
Preventie, clausules & polisvoorwaarden
Fire safety
Fire extinguishers, emergency lighting, electrical inspections (NEN), compartmentalization and clean workspaces.
Burglary protection
Proper hinges and locks, alarm system, lighting and site security limit the risk of burglary.
Clausules & verplichtingen
Bepaalde risico's (bijv. spuitcabines, laswerk, opslag brandbare stoffen) kunnen extra Conditions of clausules met zich meebrengen.
Frequently asked questions about commercial building insurance
What is the difference between building and inventory insurance?
The commercial building insurance covers damage to the property itself (building and fixed installations). The inventory/goods insurance covers damage to furnishings, machines and stock. Both are important for a complete company shelter.
Am I obliged to take out commercial buildings insurance?
If you own the commercial property, building insurance is usually a condition of the mortgage provider or financier. Even without financing, it is highly recommended from a risk reduction perspective.
How do I prevent underinsurance of my property?
By using a realistic reconstruction value, for example using a reconstruction value meter or appraisal. We will help you with this and can perform a periodic check.
Are solar panels and charging stations included as standard?
Not always. Solar panels and charging stations that are attached to or on the building can usually be included in the building insurance, if specified.
Can I insure a rented property?
Yes. Owners of rented commercial properties can arrange building insurance through us. Tenants insure their own inventory and goods.
What does Finass Verzekert need for a quote?
This includes the address and type of building, use, floor area, year of construction, building materials, existing installations (e.g. solar panels, charging stations), security and any damage history.
Want to take out business building insurance? Request a customized quote
Finass Verzekert compares commercial building insurance policies from several insurers and searches for the best combination of coverage, conditions and premium for your business premises.
