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!
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INSURANCE
Insurance to protect your commercial premises
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 our 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.
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 panels, a heat pump or a domestic wind turbine, or does it have a green energy certificate? To encourage sustainable buildings, we grant a 10% discount on all Top Commerce premiums for the entire duration of your policy if you take out a new policy before 31 December 2024*.
* 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
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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
Read the following documents before signing your policy.
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.
Make a claim
If you need urgent assistance or would like to make a claim, our team is here to help!
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.
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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.
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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.
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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.
Also of interest
Cars and vans, civil liability and more besides: discover our other business insurance policies to protect yourself even better!
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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.
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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.
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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.
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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