Fire insurance
This insurance is not compulsory, but highly recommended for organisations.
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Fire insurance for organisations is technically the same as what you have at home. It covers damage caused by fire, and depending on the policy other damage such as by storms, water damage after fire suppression, water damage, etc.
A fire insurance isn’t compulsory, but it is evident that insurance for buildings that you rent or own is in your best interests in addition to civil liability insurance.
The fire insurance for the building and its contents are often two separate policies. It is recommended that you also insure your contents, so check your policy well.
Do you own a building that is occasionally used by others?
Then it’s a good idea to check if there is a waiver of recourse (‘afstand van verhaal’) clause in the fire insurance policy. This means that the insurance covers any damage that is caused by other users of your building.
Are you going to rent a room or building?
Check whether the owner has this waiver of recourse clause (‘clausule afstand van verhaal’) in their policy. Your organisation is then protected from claims for damage against it. You will still have to take out contents insurance.
If the owner does not have a waiver of recourse clause in the policy, it’s a good idea to take out building insurance yourself as well as contents insurance.
Are you an owner, tenant or landlord of buildings, do check our page on Objective liability insurance for fire and explosion.
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