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INSURANCE
Office insurance: protect your business premises
Top Bureau insurance 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.
Your offices protected
Do you own or rent an office? It’s essential that your business premises are protected against unexpected events such as a fire, storm, lightning or water damage.
This is always the case with Top Bureau, which covers your building and its contents. It compensates you for damage to your office and furniture, computer equipment, documents etc., so you can quickly get your business operating again after a disaster!
Transparency and security
Have you suffered a disaster? Don't worry: with the principle that everything is covered unless specifically excluded, the damage is almost always covered, even if the cause is not clearly established.
Extended cover
Top Bureau protects your building, its contents and much more! This includes damage to your advertising signs, telecoms system and solar panels.
Also while you’re away
Are you attending a trade fair or exhibition? Are you moving? Top Bureau accompanies you on your trips, covering damage to the equipment and premises you rent or use while away.
Sufficient compensation
In most cases, you’re fully compensated for the damage you suffer.
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 Bureau policy if you sign up by 30 June 2025, for the entire duration of the policy*.
* This discount is granted for any new Top Bureau 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 Bureau 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
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.
Want to know 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.
If you have a complaint, you can send it 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 at 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 –info@ombudsman-insurance.be – 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 on 02 433 43 34
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 cover for your contents
If equipment such as furniture or IT equipment has been stolen, and the damage is significant, it will be covered if you take out this theft add-on.
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Legal expenses
If your offices 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 business with this optional add-on, which covers your loss of earnings resulting from a claim.
Our other insurance policies
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? Does your business use vans? 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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Business liability insurance
This policy provides essential insurance that covers your civil liability, and therefore the damage you may cause while working.
Legal information
AG Insurance SA/nv – 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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