Is the water literally at your lips?
Our fire insurance your lifesaver, but maybe call the fire brigade first.
Fire
Fire insurance for commercial properties on fire
Fire insurance protects your business against financial losses due to fire-related damage, water damage, natural disasters, theft, etc.
Tailor-made fire insurance ensures financial peace of mind and maximises your business continuity. The flexible coverage options allow you to tailor your insurance to the specific needs of your business.
Why fire insurance?
Don't let the fire spread any further
An accident happens quickly. However, the financial impact can have major consequences for your business.
We provide you with the necessary safety nets that guarantee your business continuity.
Liability
In addition to your business premises, fire insurance also protects your liability to neighbours (in response to damage caused by your building).
Legal obligation
If you rent the business premises, you must legally insure your tenant liability.
This obligation can only be waived if the lease contains a clause in which the landlord waives the right of recourse against the tenant.
What does fire insurance cover?
Fire insurance offers two options:
- listed hazards
- all risks except
In the case of insurance named perils, your premises are covered against all enumerated perils explicitly mentioned in the policy terms and conditions. It is your responsibility as the insured to prove that the damage you have suffered falls under the covered perils.
With insurance all risks except, everything is covered by default, except the specifically excluded risks mentioned in the general terms and conditions. In this situation, the burden of proof is on the insurer, who must prove that the claim is not covered by your cover.
Frequently asked questions
Discover the most frequently asked questions about this insurance. Over the years, we have collected this information and summarise it here. Easy, right?
Does fire insurance intervene if my insured activity is interrupted by a fire?
To do so, you should use the extension trading loss to endorse.
This extension covers business interruption costs as a result of a guaranteed claim.
How quickly can I make a claim? How does the process work?
To do this, fill in the claim form in. We will contact you as soon as possible.
Are my electronic devices covered in my fire insurance policy?
If your electronic devices are included in the insured capital, they are covered in your fire insurance policy.
To enjoy more comprehensive cover, we recommend you get insurance all-risk electronics to endorse.
How can I accurately determine the insured value of my commercial building?
Depending on the size of your premises, one of our experts will visit you to determine the insured value.
What if I conduct my business activity from home?
It is important to report this to us so that we can adjust your fire insurance. That way, everything conforms to the actual situation and the necessary clauses are provided.
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