Insure your financial losses
You’re in charge of defining how to cover your potential financial losses.
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INSURANCE
Protect yourself from financial losses
The financial protection cover is an optional add-on to your building and contents fire insurance policy. This is a Belgian-law insurance policy from AG SA, distributed by BNP Paribas Fortis SA.
This optional add-on is valid for the same period as the main fire insurance policy, i.e. for 1 year, at the end of which it will be renewed by tacit agreement for the same period, except where it is cancelled at least three months before the renewal date. For a policy taken out or renewed by tacit agreement on or after 1 October 2024, you have until two months before the renewal date to cancel it.
Compensating you for loss of earnings
Imagine a fire breaking out in your commercial building or offices. Your business comes to a halt or is disrupted, which will have a negative impact on your income.
How will you compensate for these financial losses? You need to ensure the continuity of your business, which already has to deal with the other consequences of the disaster.
Fortunately, this optional add-on to your building and contents insurance policy covers this risk by compensating for your loss of earnings.
Annual or daily income
Do you want a formula based on your annual turnover or on an estimate of your daily income? You decide how to calculate the financial loss, and therefore your compensation.
Tailored cover
Your cover adapts to the situation you’re facing and the consequences of the disaster, including the duration of cover for your potential financial losses.
What if the damage happens elsewhere?
Has a disaster occurred in a neighbouring building, making it impossible to access your business? We can also cover you for this.
Based on your current income
Is the estimate of the financial loss based on your turnover from last year? If so, your policy will also take into account any increase in your income compared to the last declared amount.
What your cover includes
Main risks covered
Damage related to the decrease in your turnover resulting from a disaster covered by your business building and contents fire insurance policy. The loss covered, for example following a storm or water damage, must be explicitly mentioned in the specific terms and conditions of the agreement applicable to this financial protection cover.
Damage resulting from the decrease in your turnover linked to a disaster in your neighbourhood making it totally or partially impossible to access your building.
Main exclusions
Damage caused by theft or attempted theft, and damage resulting from material damage to computer equipment.
Your financial losses if you decide not to resume your business activity, unless the discontinuation of your business is beyond your control.
Discover the complete list of risks covered and exclusions
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The above list of risks covered and exclusions is not exhaustive. The exact scope of the cover can be found in the standard terms and conditions. To obtain a quote, please contact your advisor or call the Easy Banking Centre on 02 433 43 34.
Not satisfied?
If you have any questions, in the first instance you can contact your advisor or consult Article 21 of the standard banking terms and conditions.
Complaints can be made to BNP Paribas Fortis SA, Complaints Department JQABD, Montagne du Parc 3, 1000 Brussels, tel. 02 228 72 18, gestiondesplaintes@bnpparibasfortis.com or via www.bnpparibasfortis.be > Suggestions or complaints > online declaration form.
If you’re not happy with the proposed solution, you can send your complaint by post to the Insurance Ombudsman, Square de Meeûs 35, 1000 Brussels, BCE: 884.072.054, tel: 02 547 58 71, info@ombudsman-insurance.be -
www.ombudsman-insurance.be.
Want to report an incident?
Urgent assistance, reporting a claim… Our team is here to help whenever you need us!
Contact your advisor or call the Easy Banking Centre for a video call appointment.Call us on 02 433 43 34
Extend your cover
Need even more comprehensive protection for your business premises? Simply add one of the following on to your fire insurance policy.
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Building and contents theft
Materials, movable property, goods, etc. have been stolen and the damage is significant. With this theft add-on, you’re covered.
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Legal expenses cover
Have your business premises been damaged following an incident at one of your neighbours? Legal expenses cover helps you obtain the compensation you’re entitled to.
Legal information
AG Insurance SA/nv (abbreviated to AG) – 53 Boulevard Emile Jacqmain, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0404.494.849 – www.aginsurance.be - info@aginsurance.be. Accredited insurance company licenced under code number 0079, under the supervision of the National Bank of Belgium, 14 Boulevard de Berlaimont, B-1000 Brussels.
Intermediary: BNP Paribas Fortis SA/nv – 3 Montagne du Parc, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0403.199.702, registered with the FSMA, 12-14 Rue du Congrès, B-1000 Brussels, under code number 025879 and acting as a contractually appointed insurance agent on behalf of AG Insurance SA/nv. BNP Paribas Fortis SA/nv holds a stake of more than 10% in AG Insurance SA/nv.
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