Getting your business property insurance
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"Comparing insurance almost always pays off. Premiums may have increased or your personal situation may have changed. That's why we recommend comparing your insurance every year."
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All about business property insurance
If your commercial property is damaged, it can have major consequences for your business. If damage is severe, your daily operations may come to a standstill, with major financial consequences. Good insurance is therefore important, so that you can get back to business as soon as possible.
With business building insurance, you insure your business premises. It covers, for example, damage caused by fire, precipitation, steam, leakage, burglary, a falling object or a collision. The insured amount is based on the reconstruction value (repair costs) of the building. With business building insurance, all buildings used for business purposes are insured. This includes, for example, a barn that stands behind your business premises. So you don't have to insure each building(s) individually.
Why take out business property insurance?
You are not obliged to take out buildings insurance for your business premises. However, in many cases it is wise. If you are the owner of the building, it is wise to take out buildings insurance anyway. Damage to business premises, for example by fire, can sometimes be considerable. Without proper insurance the costs can be sky-high. When purchasing a building and taking out a mortgage, the bank may also require you to take out buildings insurance. If you rent a building or workplace, you are not responsible for taking out buildings insurance. This must be done by the owner of the building.
What does a business property insurance cover?
The coverage of a buildings insurance may vary between insurers. Most insurers offer a business property insurance for:
- Damage by fire, storm or water
- Burglary
- Theft
- Vandalism
- Window breakage
What are the costs for a business property insurance?
The cost of business property insurance depends on a number of factors, such as:
- The industry in which you work
- The construction of the building
- The address
- The amount of the reinstatement value
Based on the factors, an insurer calculates the amount of the premium. Do you want to know what a business insurance for your business premises costs? Use our online comparison to get an indication of the premium.
Get cheap business building insurance directly through Alpina!
Are you considering purchasing business building insurance for your commercial property? Then of course you want the best insurance, because your premises are the face of your company. The place where the daily work is done and where the heart of your company lies. Also insure your business contents? Then you can take out inventory insurance right away. At Alpina, we are happy to help you find the right insurance for your business.
On Alpina.nl you can already calculate an indication of the premium online. Do you still have questions about the insurance or the offer? Then please do not hesitate to contact us. You can reach us by phone at 030 - 6883712 or you can send us a message via the chat function on the website, WhatsApp or Messenger. Our office hours are Monday through Friday from 8 a.m. to 6 p.m. Inquiries can be made 24/7 on Alpina.nl !
