A fire insurance policy is not legally required, but it is often contractually imposed by a landlord or lender. Moreover, it is essential to avoid severe financial losses.
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Fire insurance
A fire can bring your business to a standstill in an instant. Think of damage to your building, machines, inventory, or office furnishings. With a fire insurance for businesses, you protect your assets and the continuity of your activities.
Van Dessel Insurance Brokers analyzes your risks and puts together an insurance policy tailored to your sector, your building, and your business processes. That way, you are assured of a customized solution.
What is a fire insurance?
A fire insurance for businesses is an insurance that covers damage to your business premises and/or business contents caused by fire and other sudden events.
Although the name suggests otherwise, it is not limited to fire damage. The insurance can also intervene in cases such as lightning strikes, explosions, water damage, storms, or broken glass.
As both an owner or a tenant, you can insure your commercial property. In addition, you also protect your machines, installations, furniture, and inventory against unexpected damage.
What are the benefits?
Covers damage caused by fire, lightning strike, explosion, and damage from natural disasters.
Covers water damage, storm damage, and glass breakage.
Covers damage to building, machinery, fittings and inventory.
Covers additional costs such as cleanup and expert fees.
Who is this insurance for?
The fire insurance for businesses is suitable for:
- SMEs and large enterprises
- Manufacturing companies and industrial sites
- Shops and stores
- Offices and service companies
- Liberal professions
- Owners of commercial real estate
Every business faces different risks. That’s why Van Dessel works with you to determine which coverages are necessary based on your activities, location, and infrastructure.
What is covered and what is not?
What is covered?
- Damage caused by fire, smoke and soot
- Water damage caused by burst pipes
- Storm and hail damage
- Glass breakage
- Damage to electrical installations
- Debris removal and demolition costs
What is not insured?
- Damage caused intentionally
- Wear and tear or inadequate maintenance
- Damage that is not sudden and unforeseen
- Specific risks that are not explicitly included in the policy
How much does this insurance cost?
The premium for a fire insurance policy for businesses is calculated based on various factors, such as:
- The value of the building and/or its contents
- The nature of your activities
- The materials used and the construction of the building
- The security measures in place
- Your claims history
- The selected plan and additional coverages
An accurate valuation is crucial. This helps you avoid underinsurance (insufficient compensation in the event of damage) or overinsurance (unnecessarily high premium).
Van Dessel helps you make a realistic assessment and negotiates a competitive premium with strong conditions on your behalf.
Stories from our customers
Groep Steylaerts
Patrick Steylaerts: “Wij hebben het volste vertrouwen in onze verzekeringspartner Van Dessel.”
Germo bvba
Bram Gers: "Vooral het maatwerk is de reden waarom ik met Van Dessel in zee ben gegaan."
Van Wellen Group
Tom Bolsens: "We waren verrast dat er uit zo'n kleine hoek dreiging kon komen."
Our promise to you
Personal & involved
a tailor-made partner
We start from your specific situation and take the time to thoroughly understand your risks, needs, and objectives. This way, you receive advice and guidance tailored to your business and everyday practice.
Expertise & experience
already 80 years in insurance
Thanks to our years of experience, we analyze your risks and insurance needs with a broad perspective. We provide a well-thought-out approach, clear solutions, and the right protection for your business.
Customization & innovation
beyond standard insurance
No standard formulas, but solutions tailored to your activities and challenges. From analysis and implementation to support in case of claims: we provide an approach that works in practice.
Would you like to receive a quote?
We analyze your activities, contractual obligations, and risks. You will receive a clear, tailor-made proposal for your company.
Request a free quote or contact us for personal advice.
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