SME Comprehensive Package

Building insurance covers your commercial property. This includes, for example, damage caused by fire, precipitation, storm, leaks, burglary, a falling object, or a collision. The insured amount is based on the replacement cost (repair costs) of the building.

With disability insurance, you ensure that you’ll have an income in the event of a disability. Your income is protected against the financial consequences of a disability. This insurance allows you to limit the loss of income and provides greater financial security for your business.

If you or one of your employees causes damage to another person’s property, that person may claim compensation. With business liability insurance, you are covered for these types of costs. This includes both property damage and personal injury. Property damage refers to damage resulting from the loss or damage to property. Personal injury refers to damage resulting from injury or death.

Environmental liability insurance is a business insurance policy that covers the costs of environmental damage. This can include environmental damage at your own location or environmental damage you cause at someone else’s location. Environmental damage caused by someone else at your location is also covered. Environmental damage can result from, for example, contaminated firefighting water, asbestos particles, leaking diesel, or certain cleaning products containing harmful substances.

Workers’ accident insurance covers accidents that occur at work and during the commute between home and work. If an employee becomes permanently disabled or dies as a result of an accident, this insurance pays a one-time benefit. You take out this insurance specifically for your employees. The term “employees” also includes temporary workers such as interns and temporary agency workers.

With legal expense insurance for businesses, you are guaranteed professional legal assistance when, for example, a disagreement with a customer or the government leads to a legal problem. You decide for yourself which legal problems you want to be insured against. By default, you are covered for legal assistance in recovering property damage or personal injury. Disputes regarding the conduct of business activities are also covered. In addition, you can opt for a more comprehensive plan and supplement your legal expense insurance with the following coverages: agricultural, traffic, and debt collection assistance.

All car owners are legally required to insure their vehicles as soon as the license plate is registered in their name. This, of course, also applies to cars used for business purposes. Third-party liability insurance is the most important and mandatory component of commercial auto insurance. The abbreviation “WA” stands for “wettelijke aansprakelijkheid” (third-party liability). This coverage ensures that the other party is compensated for damages when you are liable.