SME insurance package
An SME package is not a product but a way of organising things: all business sections on one policy schedule, with one renewal date and a discount that grows.
- 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
In an SME package you bring together the sections your business needs: liability, business contents and goods, business interruption, legal expenses and, as required, glass, money, cyber or sickness absence.
The benefit is not only the package discount, but above all the clarity: one renewal date, one point of contact and, for related losses, one file.
This page deals with one part. The overview of all parts is on the main page on business insurance.
Independent, personal, sorted quickly
We compare your insurance package 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.
Insurance package
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Get coveredWhy 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.
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.
What to look out for
A discount is no guarantee of the lowest price
Compare the package premium with the total of the keenest individual policies. If one section is expensive, the discount will not make up for it.
Removing a section affects the rest
If you cancel a section, the discount on everything that remains goes down. Take that into account.
Check the sums insured separately
A package says nothing about whether your business contents value or gross profit figure is correct. Have those checked separately.
Reporting growth
If your turnover or wage bill grows, the sections have to grow with it. Otherwise you become underinsured without noticing.
What determines the premium
- Number of sections chosen
- Annual turnover and payroll
- Sector and risk class
- Sums insured per section
- Excess chosen
This information is general in nature and is not personal advice. What is actually covered, including exclusions 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.
Frequently asked questions
What is in an SME package?
Usually liability, business contents and stock, business interruption and legal expenses, supplemented as required with glass, money, cyber or sickness absence.
Is a package always cheaper?
Not automatically. It is better value if the underlying premiums are in line with the market. We calculate both options for you.
Can I add a section later?
Yes, and that usually increases the discount on the whole.
What if my business grows?
Report it. Turnover and wage bill are the calculation basis for several sections. Without an adjustment you become underinsured.
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