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Business damage report

Damage to your business, or a claim from a third party? Report it here immediately. We will liaise quickly with the insurer so that your business operations are at a standstill as little as possible. Emergency 24/7: 06 - 55 20 40 72.

Report business damageCall 072 - 509 24 56
AFM registeredKifid affiliatedIndependent advisor

First steps regarding business interruption damage

Take care of safety of employees and visitors and limit the damage where possible — that salvage costs are usually reimbursed. Explain the situation photographically capture before you clean up and ensure that business operations can continue safely.

In the event of burglary, theft or vandalism, you do declarationIn the event of a cyber incident: disconnect affected systems and call for help immediately.

Can I have it repaired immediately?
Emergency repairs to prevent further deterioration or downtime are always permitted. Consult with us or the expert first regarding permanent repairs.
Who else should I inform?
Depending on the situation: police (filing a report), Dutch Data Protection Authority (data breach), occupational health and safety service (employee accident), and your landlord or Owners' Association.

Which business damages do you report here?

Among others: liability (personal injury or property damage to third parties), professional errors, damage to building, inventory or stock, business interruption due to standstill, transport and fleet damage, cyber incidents and absence.

You can read more about the coverages at business liability, professional liability, cyber and business interruption.

A customer is holding my company liable.
Do not admit liability and do not make any promises of payment. Forward the liability claim; the insurer will assess and conduct the defense.
My business is at a standstill — is that covered?
If the downtime is the result of covered material damage, business interruption is often insured. Report it immediately, even if the extent is not yet unclear.

What do you need?

Keep at hand: policy or relationship number, company details and Chamber of Commerce number, date/time/place, a factual description, photos, persons concerned, and where applicable declaration, quotes, invoices or a sales overview at a standstill.

See the complete checklist at Business documents.

What if the extent of the damage is still unknown?
Report the event first — this way the date is confirmed and you won't miss a deadline. You can send figures and quotations later.

Accident or absence of an employee

If an employee is injured during work, report this to your liability- and if necessary absence insurance, and switch the working conditions service in. Serious work accidents are required to report to the Netherlands Labour Inspectorate.

When do I have to report a work accident to the Labour Inspectorate?
In the event of serious injury, hospitalization, or death, there is a statutory reporting obligation. [Bram: verify criteria on the website of the Dutch Labour Inspectorate.]
What about continued payment of wages?
Als werkgever betaalt u bij ziekte wettelijk tot 2 jaar door. Een absence insurance vangt die kosten op — meld het verzuim tijdig.

Cyber ​​incident or data breach

In the event of a hack, ransomware, or data breach, speedReport it immediately: many cyber policies offer 24/7 incident response. Under the GDPR A data breach must often be reported to the Dutch Data Protection Authority within 72 hours.

Do I have to pay for ransomware?
Do not pay anything without consultation. The insurer and the response team advise on remediation, negotiation, and risks.
What do I document in the event of a cyber incident?
Time of discovery, affected systems and data, measures taken, and log files. Change as little as possible before the investigation starts.
Report your damage immediately?

We take over the process with the insurer for you.

Report business damage

After your report

We forward the report and monitor the process. The insurer assesses the coverage and, in the event of major damage, engages a expert in and takes a reasoned decision. In the event of liability claims, the insurer also carries out the defense on behalf of your company.

Want to follow your file? See Business claims management.

Who conducts the defense against a claim?
In the event of a covered liability claim, the insurer covers the defense and legal costs.

Urgency & continuity

In case of fire, major water damage, burglary, or an incident that halts your business operations: call immediately. Emergency line 24/7: 06 - 55 20 40 72The sooner we act, the faster repairs, replacement equipment, or an alternative location can be arranged.

Can replacement business premises or equipment be provided?
Depending on your policy (additional costs / business interruption), this is possible. Report it immediately, and we will set the process in motion.

Frequently Asked Questions

How soon do I need to report business damage?
As soon as possible; in cases of downtime, liability, or cyber issues, speed carries the most weight.
A third party is holding my company liable — what do I do?
Do not acknowledge or pay anything; forward the claim. The insurer assesses and presents a defense.
Is business interruption due to downtime covered?
If the downtime results from covered material damage, usually yes.
Do I need to report a data breach?
Under the GDPR, this is often within 72 hours at the Dutch Data Protection Authority; the cyber insurer assists with this.
What do I need for the report?
Policy/client number, Chamber of Commerce registration number, date and place, description, photos and, where necessary, tax return, quotations or turnover figures.
Can I also call?
Yes: 072 - 509 24 56 during office hours, 06 - 55 20 40 72 for emergencies (24/7).