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In the Netherlands that is the job of the bedrijfsschadeverzekering: business interruption insurance for the gross profit you lose when insured damage stops your trading. Two numbers decide whether it holds up. Our associated company, a separate licensed advice firm, advises on both and arranges the insurance. Handling the tax that comes with it stays with us.
Two numbers
the insured sum and the benefit period, set to fit
Advice, not sales
advice on both numbers, then the insurance arranged for you
English or Dutch
we help you in the language you think in
The Dutch cover
Business interruption insurance covers the gross profit you lose when insured damage brings your business to a standstill. Think of fire, water damage or storm. Vandalism and theft count too. It pays towards what the standstill costs you: missed profit and the bills that keep coming, from rent and salaries to loan repayments.
The benefit usually runs until your building is rebuilt or your turnover is back at its old level. Most policies cap that period, from six months to several years. The cover is not mandatory. It earns its place when your business depends on its premises, equipment or stock.
Our associated company reads the Dutch conditions with you and explains what they mean for your business. You then get advice on the sum and the term that fit, and they arrange and take out the policy for you. The policy itself stays a Dutch contract. They translate what matters.
Your situation
The answer is different for every business. Pick the card that matches yours.
A closed door stops your income while the costs keep running. This page is about you: the cover, its limits and its two numbers.
This is meWorking anywhereThen this is probably not your cover. Your real risks are your own income and your equipment. Work can usually move elsewhere.
See disability coverExisting policyPolicies age faster than businesses. A check tells you whether both numbers still match how you trade.
Book your free callNot sure which card is yours? Ask Kim
The two numbers
The verzekerde som (insured sum) and the uitkeringstermijn (benefit period) decide whether this policy actually protects you. The sum is your gross profit for the chosen period: your net profit plus the fixed costs that keep running. The term is how long the insurer keeps paying. At one insurer it is a choice between 26 and 156 weeks. It should follow a realistic rebuild time, not an optimistic one.
Set the sum too low and every payout shrinks in the same proportion. That is Dutch onderverzekering. It surfaces only at the claim. Set the term too short and the money stops before your turnover is back.
No quote tool sets these numbers for you. You get them worked out from your own figures, checked against your other covers and your income. We add what your tax position means. Newly started in the Netherlands? Your forecast and your lease set them instead.
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The boundaries
**Business interruption insurance only pays when the interruption starts with insured physical damage.** Six things stay outside it, each with its own place. Some causes stay uninsured altogether, as the note below explains.
Less turnover because customers stay away is a business risk, not an insured event. No physical damage means no payout.
Learn moreThat belongs on the buildings cover, the opstalverzekering, usually your landlord’s or your own.
Learn moreThe contents cover, the inventarisverzekering, insures the items themselves. Business interruption insurance picks up the trading standstill they cause.
Learn moreStock belongs on the goods cover, the goederenverzekering. The standstill after losing it belongs here.
Learn moreThat is disability cover, the AOV. It insures you as a person, where this cover insures the business.
See disability coverOther people’s damageLiability for damage you cause sits on the business liability cover, the AVB.
See business liability insuranceIntent, poor maintenance, illegal activities and natural disasters such as floods and earthquakes usually stay uninsured in this class. The exact list varies by insurer. Our associated company reads yours with you.
You tell us how you trade: premises, people, stock and the covers you already hold.
The sum comes from your own figures, the term from a realistic rebuild time.
The advice comes in writing and you take your time with it. Questions are part of the service.
From here our associated company takes over: they advise on the insurance, arrange it and take it out with you.
Insurer websites can price this cover in minutes. They cannot tell you whether the sum and the term fit your business.
One call tells you whether this cover belongs in your situation. A clear no also counts as advice.
What's included
20 minutes about how your business trades
A first sense of what a policy would need to carry
Clear next steps, whether you buy or not
“Most policies I read still fit the business of three years ago. My job is to get them looked at again.”
Kim van der Manden
Your dedicated advisor
Kim works for A&H Finance, our associated company. You speak to the same person from the first call onwards, who works out your numbers and checks the offer with you.
Advice fee
Every route ends in the same place: written advice, on paper.
AN EXISTING POLICY
This checks your current bedrijfsschadeverzekering against how you trade today.
YOUR FIRST COVER
No cover yet? This sets both numbers and defines what the policy must contain.
THE WHOLE RISK PICTURE
This reads your cover next to your liability cover and your own income. The tax side stays with us.
A premium quote comes from the insurer. You get help judging it.
The fee depends on how many covers are in scope. Your situation decides how much calculation it takes. You hear the exact amount in the first call, before anything starts. Insurance advice is provided by our associated company A&H Finance. They advise you, arrange the insurance and invoice you. Your agreement for this advice is with them and they are responsible for the service. TaxSavers introduces you and is not a party to that agreement. Do you have a complaint about the advice? Raise it with them first. If you do not reach a solution together, you can take it to Kifid. They are registered there and have accepted binding advice, so a Kifid ruling binds them.
Short answers first. The longer ones are what the call is for. Ask Kim
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