{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"Automated decision making when taking out a business insurance","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"How does it work?"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><span lang=\"en-NL\" dir=\"ltr\"><span><span>When you apply for insurance, the insurer’s assessment system uses different types of information:</span></span></span></span></span></span></p><ul><li><span><span><span><span><span lang=\"en-NL\" dir=\"ltr\"><span><span>The details you provide in your application.<br />For example: your business activities, revenue, number of employees, etc.</span></span></span></span></span></span></span></li><li><span><span><span><span><span lang=\"en-NL\" dir=\"ltr\"><span><span>External sources that are legally permitted and relevant for risk assessment, such as information from the Chamber of Commerce or recognised risk‑profiling databases.</span></span></span></span></span></span></span><span><span><span><span lang=\"en-NL\" dir=\"ltr\"><span><span> One example of this, is the Central Information System (CIS). The CIS database is managed by the Central Information System Foundation and contains information relevant to Dutch insurers. As a consumer, you can request access to your own data. Under certain conditions, CIS shares these registrations with affiliated insurers, authorised agents and CIS‑approved organisations.</span></span></span></span></span></span></li></ul><p><span><span><span><span lang=\"en-NL\" dir=\"ltr\"><span><span>The system combines this information and assesses it against predefined rules and models. It looks at risks within your industry and checks whether your application fits our acceptance criteria. Where needed, additional automated analyses are performed to determine the risks for your business more precisely. This approach helps us review every application in a consistent and careful way.</span></span></span></span></span></span></p>"}},{"componentType":"sectionTitle","title":"What does this mean for you?"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><span lang=\"en-NL\" dir=\"ltr\"><span><span>Based on this process, the assessment system reaches an outcome, which may affect:</span></span></span></span></span></span></p><ul><li><span><span><span><span><span lang=\"en-NL\" dir=\"ltr\"><span><span>Whether your application is accepted</span></span></span></span></span></span></span></li><li><span><span><span><span><span lang=\"en-NL\" dir=\"ltr\"><span><span>The premium you pay</span></span></span></span></span></span></span></li><li><span><span><span><span><span lang=\"en-NL\" dir=\"ltr\"><span><span>How quickly your application is processed</span></span></span></span></span></span></span></li></ul>"}},{"componentType":"sectionTitle","title":"Why do we assess applications this way?"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><span lang=\"en-NL\" dir=\"ltr\"><span><span>We do this for the following reasons:</span></span></span></span></span></span></p><ul><li><span><span><span><span lang=\"en-NL\" dir=\"ltr\"><span><span>To work faster, so you get clarity as quickly as possible</span></span></span></span></span></span></li><li><span><span><span><span lang=\"en-NL\" dir=\"ltr\"><span><span>To assess consistently, so everyone is treated in the same way</span></span></span></span></span></span></li><li><span><span><span><span lang=\"en-NL\" dir=\"ltr\"><span><span>To handle information efficiently, without unnecessary delays</span></span></span></span></span></span></li></ul>"}},{"componentType":"sectionTitle","title":"What are your rights?"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><span lang=\"en-NL\" dir=\"ltr\"><span><span>If you disagree with the outcome of the automated assessment, or if you believe incorrect information was used, you have the right to:</span></span></span></span></span></span></p><ul><li><span><span><span><span><span lang=\"en-NL\" dir=\"ltr\"><span><span>Ask for more information</span></span></span></span></span></span></span></li><li><span><span><span><span><span lang=\"en-NL\" dir=\"ltr\"><span><span>Request a manual review</span></span></span></span></span></span></span></li><li><span><span><span><span><span lang=\"en-NL\" dir=\"ltr\"><span><span>Object to the decision</span></span></span></span></span></span></span></li></ul>"}},{"componentType":"linkList","iconTitle":{"title":"Business insurance"},"textLinks":[{"text":"All business insurances","url":"/en/business/insurance"},{"text":"Company car insurance of ING","url":"/en/business/insurance/ing-company-car-insurance"},{"text":"Company van insurance of ING","url":"/en/business/insurance/ing-company-van-insurance"},{"text":"Company liability insurance of ING","url":"/en/business/insurance/ing-company-liability-insurance"},{"text":"Professional liability insurance of ING","url":"/en/business/insurance/ing-professional-liability-insurance"},{"text":"Company building insurance of ING","url":"/en/business/insurance/ing-company-building-insurance"},{"text":"Company inventory and goods insurance of ING","url":"/en/business/insurance/ing-company-inventory-and-goods-insurance"},{"text":"Company legal assistance insurance of ING","url":"/en/business/insurance/ing-company-legal-assistance-insurance"}]}]},"hasMacro":false,"id":"d656ba3c-554a-4a96-bbaf-1642e52aa2c3","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Business insurances","url":"/en/business/insurance"}},"componentType":"productHeader","coreHeader":{"body":"When you take out a business insurance policy, we use automated decision making to review your application carefully, quickly, and efficiently. This means that some decisions about your insurance are made by an automated system, without direct involvement from one of our colleagues.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/4c7900eb773742c2/original/Medium_Office-365-and-Newsletters-A-close-up-of-a-toy-robot-peaking-over-the-top-of-a-circuit-board.jpg","transformBaseUrl":"https://assets.ing.com/transform/2582bbcb-eb05-44fc-8a3f-9d4ca8b16846/Medium_Office-365-and-Newsletters-A-close-up-of-a-toy-robot-peaking-over-the-top-of-a-circuit-board","type":"image","width":900},"title":"Automated decision making when taking out a business insurance"}},"publishDate":"2026-03-31T16:05:16.670+02:00"}}