Business Contents Insurance
Home insurance protection, applied to your business
When fire, storm, or other hazards cause damage, normal business operations can quickly grind to a halt. In the worst case, your business could even be shut down for an extended period. With contents insurance, your equipment, goods, and stock are reliably protected.
Benefits of this insurance
Secures the value of your business equipment, stock, and supplies, similar to how home contents insurance protects a home.
Recommended for craft workshops, retail stores, offices, and hospitality businesses.
Can also include cost coverage in the event of a business interruption caused by the claim.
Includes additional protection for newly added business buildings (up to €500,000), externally attached items (up to €250,000), and staff property.
What is covered
Material damage in the business
Covers business equipment, stock, and supplies.
Fire, water, storm, and hail
As agreed, covers fire, water pipe damage, storm, and hail.
Burglary, glass breakage, and vandalism
Also covers burglary, glass breakage, vandalism, and natural hazard risks.
New buildings and outdoor items
Covers newly added business buildings up to €500,000 and externally attached items up to €250,000.
What is not covered
Underinsurance from an inadequate sum
The sum insured should match the new value of all equipment; otherwise, underinsurance may occur.
Risks not agreed in the policy
Only the risks specifically agreed in the contract are covered.
Real claim examples
Fire at a craft workshop
A fire destroys tools and stock at a workshop; the insurance covers the complete replacement of the equipment.
Burglary at an office
A burglary occurs overnight at an office, damaging doors and windows; the insurance covers both the theft and the material damage.
Frequently asked questions
What type of business is it recommended for?
Almost any: from craft workshops to retail stores, offices, and hospitality businesses.
What is the difference with building insurance?
Contents insurance covers your equipment, goods, and stock; building insurance protects the structure itself, such as walls, roof, and windows.
How is the sum insured determined?
The sum insured matches the new value of all business equipment, goods, and stock; it is recommended to review it regularly to avoid underinsurance.
Can I also insure business interruption?
Yes, you can supplement your policy with cost coverage for a business interruption caused by an insured claim.
Want to protect your business equipment and goods?
Tell us about your business type, and we will help you determine the right coverage.
Request free advice