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INSURANCE

Insurance to protect your commercial premises

IN PRACTICE

Protect your commercial premises

Whether you operate a store or a hospitality venue, protect your commercial premises from the unexpected, such as fire or water damage. Top Commerce fire insurance by AG covers any damage and compensates you quickly: a crucial advantage for preserving your core business!

YOUR BENEFITS

Extended cover

You benefit from extensive protection for your commercial premises and contents, as well as your goods. In the event of a claim, your compensation is paid quickly and the amount is fully in line with the damage suffered.

MORE INFORMATION

Request a quote

If you need tailored advice about insuring your commercial premises and their contents? Contact your advisor or call the Easy Banking Centre on 02 433 43 34 to schedule a video call.

Top Commerce is a Belgian-law fire insurance policy for buildings and contents from AG SA, distributed by BNP Paribas Fortis SA.

The policy is valid 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.

Insure your commercial premises

Do you own or rent commercial premises that are essential for your activities, such as a store or boutique? With Top Commerce business insurance, you can protect it from the unexpected, such as a fire, storm, flood, lightning or water damage. The policy covers not only your commercial premises and their contents but also your goods and the private part of the premises, making you better able to bounce back and securing your investments.

Your commercial premises and investments properly protected

Do your commercial premises represent the beating heart of your business? If so, give them the protection they deserve!

Transparency and security

You can be sure of no unpleasant surprises thanks to the principle that everything is covered unless specifically excluded. Even if the cause of the claim is not clearly established, the damage is almost always covered.

Insurance for your goods

Your building and all its contents are covered. Top Commerce protects your commercial premises, garages, terraces and solar panels, as well as your equipment and goods.

Other premises also covered

If you’re temporarily occupying another building or premises – if you’re attending a trade fair, market or conference for example – your insurance protects you there too, anywhere in the world.

Sufficient compensation

you’re fully compensated for the damage you suffer in almost all cases.

EcoBonus: 10% discount

Is the building you’re insuring equipped with solar thermal panels, solar photovoltaic panels, a heat pump or a domestic wind turbine, or does it have a green energy certificate? If so, to encourage energy-efficient buildings, we’re offering a 10% discount on all types of cover included in your new Top Commerce policy if you sign up by 30 June 2025, for the entire duration of the policy*.

* This discount is granted for any new Top Commerce insurance policy relating to a building equipped with solar panels, a heat pump or a domestic wind turbine, or with a green energy certificate (PEB, EPC, EPB: A+, A or B in Wallonia and Flanders, and A, B or C in Brussels), or for adjustments to an existing policy that involves a repricing (in case of a modification to the building, for example). The discount is also granted if the customer commits to complying with the applicable terms and conditions within one year. The discount is valid on all Top Commerce premiums for the full duration of the policy.

The extent of your cover

Main risks covered

  • damage caused to your building and its contents by fire, explosion or implosion, lightning, storm, hail, snow pressure, water damage, damage caused by heating oil etc.

  • breakage of glass, including in relation to solar panels

  • damage resulting from an electrical event such as a short circuit, overvoltage or induction, caused in particular to your electronic and IT equipment (up to €118,827.07, ABEX index 878)

  • damage caused to your building in the event theft or vandalism

  • your liability in the event of damage to neighbouring buildings or third parties that is covered by the policy. The damage must result from harm that you have suffered and that is also covered by the policy

Main exclusions

  • damage to dilapidated or condemned buildings

  • damage caused by power outages

  • damage (water damage, breakage of glass etc.) resulting from work on your building, as the person performing the work is responsible for such damage

  • damage caused by non-compliance with an obligation imposed in your insurance policy and concerning the insured property’s material condition or protection arrangement

Discover the complete list of risks covered and exclusions

  • The above list of risks covered and exclusions is not exhaustive. The exact scope of the cover provided can be found in the standard terms and conditions. To find out the main characteristics of this insurance, you can consult the information document. To receive a quote, contact your advisor or call the Easy Banking Centre on 02 433 43 34.

Learn more

Any concerns?

If you have any questions, you can contact your advisor in the first instance 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, email gestiondesplaintes@bnpparibasfortis.com), or via the online form available on www.bnpparibasfortis.be > Suggestions or complaints > online complaints 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– http://www.ombudsman-insurance.be - info@ombudsmaninsurance.be

Make a claim

If you need urgent assistance or would like to make a claim, our team is here to help!

Contact us

Contact your advisor or call the Easy Banking Centre to schedule a video call.Call us

Supplement your cover

Do you need even more comprehensive protection for your offices? Simply add one of the following types of cover to your policy.

  • Theft

    If personal property been stolen from the private part of your premises, or if you’ve had valuables stolen, this theft cover allows you to obtain compensation.

    Find out more

  • Legal protection

    If your commercial premises have suffered damage following a problem in a neighbouring property, legal expenses insurance helps you obtain the compensation you’re entitled to.

    Find out more

  • Financial protection

    Ensure the continuity of your agricultural business with this optional add-on, which protects you from a shortfall resulting from a covered loss.

    Find out more

Also of interest

Cars and vans, civil liability and more besides: discover our other business insurance policies to protect yourself even better!

  • Comprehensive insurance for your vehicles

    Do you drive a company car, or a van for your deliveries or to buy raw materials? No matter what you drive, this insurance covers you in the event of an accident in which you’re at fault.

    Find out more

  • Fire and explosion strict liability insurance

    This insurance is a legal requirement for those operating certain establishments open to the public, and compensates victims of a disaster on your behalf.

    Find out more

  • Secure your business

    With Homiris Pro (24/7 alarm and video surveillance system), you can protect your employees and business premises against the risks of burglary and assault. Equipment and maintenance are included in the subscription.

    All about Homiris Pro

Legal information

AG Insurance SA/nv – 53 Boulevard Emile Jacqmain, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0404.494.849 – http://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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