Fire, storm, theft, or water... It can seriously damage your goods, inventory, and equipment. Do you have the Company inventory and goods insurance of ING? Then you're covered. Your company will be up and running again swiftly.
"}},{"componentType":"accordion","accordionList":[{"title":"For whom is the company inventory and goods insurance?","richBody":{"value":"The inventory and goods insurance is for you as an entrepreneur:
With a business account at ING
In sectors such as construction, catering, personal care, business services, retail, and wholesale, among others
It doesn't matter if the property is rented or owned
Property owner? Then the insured sum is max €600,000. For the optional business interruption cover, the maximum insurable gross profit is €300,000
Are you renting your property? Then the insured sum is max €1,000,000. For the optional business interruption cover, the maximum insurable gross profit is €500,000
What is and isn't insured? Read below:
"}},{"componentType":"comparisonCards","comparisonCardList":[{"title":"This is insured","usps":[{"body":"Fire, explosion, or lightning","iconType":"check-mark"},{"body":"Storm, precipitation, or water damage","iconType":"check-mark"},{"body":"Burglary or attempted burglary","iconType":"check-mark"},{"body":"Costs to mitigate damage","iconType":"check-mark"}]},{"title":"This is not insured","usps":[{"body":"Natural disasters, such as earthquakes or flooding of primary flood barriers","iconType":"cross"},{"body":"Intentional damage or illegal activities","iconType":"cross"},{"body":"Wear and tear or construction faults","iconType":"cross"},{"body":"Malfunctioning software","iconType":"cross"}]}],"title":"This is insured,This is not insured"},{"componentType":"paragraph","richBody":{"value":"Do you own your own property? Insure it separately with the company building insurance of ING.
"}},{"componentType":"sectionTitle","title":"Additional coverages"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Tenant interest","intro":"Are you renting the property? Then you can also insure tenant interest (any changes or extensions made).","image":{"transformBaseUrl":"https://assets.ing.com/transform/775e20da-9f1a-49fb-aa2f-72307d67407c/Huurdersbelang-afbeelding","type":"image","width":5700,"altTextNL":"Vrouw staat bij een display en lacht","original":"https://assets.ing.com/m/16c561080be8334/original/Huurdersbelang-afbeelding.JPG","extension":"jpg"},"link":{"url":"/en/business/insurance/tenant-interest"}},{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Business interruption","intro":"Don't miss out on income because you had to close your business due to an accident. With this option, you get reimbursed for the lost gross profit.","image":{"transformBaseUrl":"https://assets.ing.com/transform/2c51111e-f360-4633-966a-fd2894aaa294/A-male-fashion-designer-is-on-the-phone-and-looks-at-ideas-at-his-office-workstation-while-wearing-a-measuring-tape-around-his-neck","type":"image","width":6439,"original":"https://assets.ing.com/m/2c37d655682cf271/original/A-male-fashion-designer-is-on-the-phone-and-looks-at-ideas-at-his-office-workstation-while-wearing-a-measuring-tape-around-his-neck.jpg","extension":"jpg"},"link":{"url":"/en/business/insurance/business-interruption"}},{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Refrigeration damage","intro":"Are you using refrigeration or (deep) freezers in your property? You can optionally insure damage caused by their failure. Choose the insured amount between €5,000 and €25,000.","image":{"transformBaseUrl":"https://assets.ing.com/transform/86efddb4-ef5a-451f-87ad-f5b34e21c946/woman-pays-at-market","type":"image","width":6939,"original":"https://assets.ing.com/m/778127a97d45b926/original/woman-pays-at-market.jpg","extension":"jpg"},"link":{"url":"/en/business/insurance/refrigeration-damage"}}]},{"componentType":"sectionTitle","title":"Cooperation with Allianz Direct"},{"componentType":"paragraph","richBody":{"value":"We cooperate with the insurer Allianz Direct, and where necessary with other insurers within Allianz Group. You can apply for an insurance, change your coverage or make a claim in My ING Business or the ING App. This insurance is underwritten by Allianz Benelux, which means that they will collect your premium and pay out any successful claims.
Terms and conditions
Below you will find more information about the cooperation and the policy conditions of this insurance. Review and save these documents.
Sometimes a little more time is needed to check your application, you will be kept informed. It may also be that your business activity cannot be insured through us, which you will see directly in your application.
"}},{"componentType":"cta","microCopy":"*You can calculate your premium in My ING Business","textLink":{"url":"https://mijnzakelijk.ing.nl/banking/insurances/business/inventory","text":"Calculate your premium"}},{"componentType":"highlight","title":"Why insure your company through ING?","richBody":{"value":"A clear overview of your insurances in your ING environment
Report damage directly via the app and My ING Business
Change or cancel your policy daily
You choose your deductible.
You can choose from
€250
€500
€1,000
€2,500
The chosen deductible applies to the inventory and goods, as well as the optional coverages for tenant interest and refrigeration damage.
"}},{"title":"What does a company inventory and goods insurance of ING cost?","richBody":{"value":"This insurance has a competitive premium. It varies per company and depends on factors such as:
The chosen coverage(s)
Your company's activities
Your address
The deductible you choose
Calculate your premium using the calculate your premium button.
"}},{"title":"What is business interruption?","richBody":{"value":"Business interruption refers to lost gross profit if your business unexpectedly halts due to, for example, fire or storm. This option compensates for the financial consequences of this.
It can be taken out with the company inventory and goods insurance of ING and the company building insurance of ING.
"}},{"title":"What is tenant interest?","richBody":{"value":"Tenant interest covers all changes, improvements, or extensions you have made in a rented property. Or those you have taken over from the previous tenant for a fee.
Examples of tenant interest:
The floor you laid or took over
A kitchen installed at your expense
Window coverings, such as curtains and blinds
Painting and wallpaper
An extra bar you installed
Inventory includes, for example, desks, chairs, and warehouse shelves.
Goods include raw materials and the products you make or sell.
"}},{"title":"What is the difference between inventory and contents?","richBody":{"value":"Contents consist of personal belongings. Think of your furniture, household appliances, clothing, and other items you have in your home. You insure your contents with a private contents insurance.
Inventory is your business contents: items you need as an entrepreneur to do your work.
"}},{"title":"Do you have inventory and goods at a different address?","richBody":{"value":"Are the insured inventory and/or goods in port cabins or containers around buildings at addresses in Europe that are not listed in the policy? Then there is coverage for damage caused by the events against which the inventory and/or goods are insured, except for flooding. Please read the policy conditions for a more detailed description.
"}}]},{"componentType":"cta","microCopy":"*You can calculate your premium in My ING Business","textLink":{"url":"https://mijnzakelijk.ing.nl/banking/insurances/business/inventory","text":"Calculate your premium"}}]}}}