{"type":"document","data":{"id":"6cd3b18f-12e3-4c2f-92e3-6ded4ed21f32","localeString":"en-GB","publishDate":"2026-03-31T15:04:21.341+02:00","contentType":"onecms:categoryPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"What insurances do you need? Does your personal insurance cover your business inventory? Check it out here."},"mainHeaderZone":{"componentType":"categoryHeader","coreHeader":{"title":"Everything about business insurance for your premises and belongings","subtitle":"Fire, storms, theft, or water damage… They can seriously harm your goods, stock, equipment, or property. Not sure what exactly you need to insure? You’re in the right place."}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"What would you like to know more about?"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Do you need a business inventory and goods insurance?","intro":"What is it, when do you need this insurance? Read to find out.","image":{"transformBaseUrl":"https://assets.ing.com/transform/c84782af-ff3e-475d-a19d-1a883455ea42/Full-length-of-man-working-in-store","type":"image","width":5760,"original":"https://assets.ing.com/m/29630e0e77f93462/original/Full-length-of-man-working-in-store.jpg","extension":"jpg"},"link":{"url":"/en/business/insurance/do-i-need-a-business-inventory-goods-insurance"},"promoText":"Read more"},{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Do you need a business building insurance?","intro":"Also a company building insurance. Own a property? Read if you need this.","image":{"transformBaseUrl":"https://assets.ing.com/transform/69828d6d-0e3b-4393-966e-ee52fc3f293c/Small-business-owners-in-Brussels-converse-outside-of-retail-store","type":"image","width":5616,"altTextEN":"\"","altTextNL":"\"","altTextFR":"\"","altTextDE":"\"","original":"https://assets.ing.com/m/495daa8366e1acbf/original/Small-business-owners-in-Brussels-converse-outside-of-retail-store.jpg","extension":"jpg"},"link":{"url":"/en/business/insurance/do-i-need-a-business-building-insurance"},"promoText":"Read more"}]},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Renting vs buying","intro":"Renting the place you work at? We'll explain the risks and the difference between owning and renting. And of course how to cover them with insurance.","image":{"transformBaseUrl":"https://assets.ing.com/transform/4038ec3b-4202-4f94-8cfb-e5e34d2d3e0b/Large_MS-PPT_Web-Young-carpenter-sanding-down-a-door-in-his-workshop","type":"image","width":1920,"original":"https://assets.ing.com/m/5616ddd858cb3220/original/Large_MS-PPT_Web-Young-carpenter-sanding-down-a-door-in-his-workshop.jpg","extension":"jpg"},"link":{"url":"/en/business/insurance/insurance-for-renting-or-own-property"},"promoText":"Read more"}]},{"componentType":"sectionTitle","title":"Insurances for your premises and belongings"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Inventory and goods","intro":"Protect your company inventory and products","image":{"transformBaseUrl":"https://assets.ing.com/transform/32d98e0d-1430-4617-a0a9-6f3da6b737f8/Inventaris-goederenverzekering-header-image-1","type":"image","width":5700,"original":"https://assets.ing.com/m/6637e8b044ecc7f0/original/Inventaris-goederenverzekering-header-image-1.jpg","extension":"jpg"},"link":{"url":"/en/business/insurance/ing-company-inventory-and-goods-insurance"},"promoText":"You can extend your coverage yourself"},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Your own building","intro":"Insure it against fire, storm, burglary and more","image":{"transformBaseUrl":"https://assets.ing.com/transform/b1e9069c-fef5-4bf8-9292-87d5e61e8048/Campaign-swym-verzekeren-Willem-de-Kam","type":"image","width":4096,"original":"https://assets.ing.com/m/10aa249488c5ddfa/original/Campaign-swym-verzekeren-Willem-de-Kam.jpg","extension":"jpg"},"link":{"url":"/en/business/insurance/ing-company-building-insurance"},"promoText":"Trust even after an accident"}]},{"componentType":"sectionTitle","title":"Additional coverages with business insurances"},{"componentType":"paragraph","richBody":{"value":"<p>Do you have business insurance via ING? Then you also have additional options to make sure you’re well covered for specific types of damage.</p>"}},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Tenant interest","intro":"You can add tenant interest (all changes or improvements you’ve made) to your cover.","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"},"promoText":"Available for inventory and goods insurance"},{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Business interruption","intro":"Don’t miss out on income because you had to close due to an accident. With this option, your lost gross profit will be reimbursed","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"},"promoText":"Available for both insurances"},{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Refrigeration damage","intro":"Cooling units or (deep) freezers on site? Damage caused by failure can be optionally insured. Choose a cover 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"},"promoText":"Available for inventory and goods insurance"},{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Glass damage","intro":"Covers glass breakage of (roof) windows. You can also insure glass doors, display cases, and counters. No excess applies.","image":{"transformBaseUrl":"https://assets.ing.com/transform/f5560b35-072e-47a3-873b-4f381cddc33c/Large_MS-PPT_Web-Silhouette-of-a-business-man-walking-along-a-passage-with-green-trees-reflecting-in-the-glass","type":"image","width":1920,"original":"https://assets.ing.com/m/0c7c34a23f055fcd/original/Large_MS-PPT_Web-Silhouette-of-a-business-man-walking-along-a-passage-with-green-trees-reflecting-in-the-glass.jpg","extension":"jpg"},"link":{"url":"/en/business/insurance/glass-damage"},"promoText":"Available for company building insurance"}]},{"componentType":"sectionTitle","title":"Other tips for you as entrepreneur"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Free transfer service for you as ING customer","image":{"transformBaseUrl":"https://assets.ing.com/transform/fcf664c7-7776-43f4-b5d4-7fe11cff163b/Insight-PNG-Test-Asset-2-002","type":"image","width":161,"original":"https://assets.ing.com/m/4a27d4e9ba491af8/original/Insight-PNG-Test-Asset-2-002.png","extension":"png"},"link":{"url":"/en/business/insurance/transfer-service"},"promoText":"Have your old insurance cancelled for you"},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Business risk, private cover? Ouch","image":{"transformBaseUrl":"https://assets.ing.com/transform/78b00cea-651c-4aad-8cde-1fb3c6481d62/woman-balance-money-house-spot","type":"image","width":160,"original":"https://assets.ing.com/m/4bb7dca815d0f3c7/original/woman-balance-money-house-spot.svg","extension":"svg"},"link":{"url":"/en/business/insurance/insure-business-or-private"},"promoText":"Read more about it"},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Everything about liability for freelancers or self-employed","image":{"transformBaseUrl":"https://assets.ing.com/transform/e4b11c32-d174-4267-bd6a-3b376445b5e0/Vermogenthemas-1","type":"image","width":847,"original":"https://assets.ing.com/m/2a9d85a9e1a9d5d3/original/Vermogenthemas-1.png","extension":"png"},"link":{"url":"/en/business/insurance/liability-insurance-self-employed"},"promoText":"Discover what you should pay attention to"},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"What are the differences between company and professional liability?","image":{"transformBaseUrl":"https://assets.ing.com/transform/b469330e-14f6-428a-a51d-0e7408f60966/Insurances-Do-More","type":"image","width":2500,"altTextFR":"assurances","original":"https://assets.ing.com/m/35a573aa7b631038/original/Insurances-Do-More.jpg","extension":"jpg"},"link":{"url":"/en/business/insurance/what-is-the-difference-between-professional-liability-insurance-and-company-liability-insurance"},"promoText":"What are you liable for?"}]},{"componentType":"sectionTitle","title":"Why insure your business via ING?"},{"componentType":"paragraph","richBody":{"value":"<ul class=\"check-mark\"><li>Competitively priced</li><li>Easy and quick to apply</li><li>Change or report damage via the ING App and Mijn ING Zakelijk</li></ul>"},"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/d158bdeb-2f95-4573-b1fb-a5c5e997c6d0/731136-ATL-bannering-Batibouw-Insurance","original":"https://assets.ing.com/m/269b4a6d7b6df055/original/731136-ATL-bannering-Batibouw-Insurance.svg","extension":"svg"}},{"componentType":"linkList","iconTitle":{"icon":{"transformBaseUrl":"https://assets.ing.com/transform/59f39959-f2a7-42b4-a6d2-7d1722d6b068/Person_outline_orange_RGB","type":"image","width":267,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/1d93716c3fd7ddd0/original/Person_outline_orange_RGB.png","extension":"png"},"title":"Do it yourself"},"textLinks":[{"url":"/en/business/insurance/my-business-insurances","text":"Manage your insurance"},{"url":"/en/business/insurance/my-business-insurances","text":"Report damage directly"},{"url":"/en/business/insurance/green-card","text":"Lost green card"},{"url":"/en/business/insurance/my-business-insurances","text":"Cancel insurance"},{"url":"/en/business/insurance/complaint-about-insurances-via-ing","text":"Report a complaint"}]},{"componentType":"sectionTitle","title":"Frequently asked questions about business insurances"},{"componentType":"accordion","accordionList":[{"title":"Which types of insurance do I need as a starting entrepreneur?","richBody":{"value":"<p>The business insurance you need depends on your industry and the nature of your work. Focus on identifying the business risks that apply to you. Can you afford to cover those risks yourself?</p><p>You might be able to replace a mobile phone out of pocket, but damage to equipment or personal injury to a client? That can be costly. In such cases, it’s reassuring to have insurance to fall back on.</p><ul><li>The foundation of your insurance package is <a data-type=\"internal\" href=\"/en/business/insurance/ing-company-liability-insurance\">company liability insurance</a>, which covers accidents or mishaps during work that result in damage or injury.</li><li>Do you work in an advisory role? Then <a data-type=\"internal\" href=\"/en/business/insurance/ing-professional-liability-insurance\">professional liability insurance</a> may be relevant.</li><li>Do you use a company car, van, or other business vehicle? Then you’re <a data-type=\"internal\" href=\"/en/business/insurance/ing-company-car-insurance\">required to insure</a> it for business use.</li></ul>"},"textLinks":[{"url":"/zakelijk/zzp/tips","text":"Check out our tips for new entrepreneurs"}]},{"title":"Which insurance do you need as a private limited company?","richBody":{"value":"<p>The insurance you need depends on your sector, the type of business you run, and how much risk you’re willing and able to take on yourself.<br />There are several types of insurance you might want to consider as a business owner with a private limited company. For example:</p><ul><li>Company liability insurance – covers damage or injury your business causes to other people or their property, such as customers or suppliers</li><li>Professional liability insurance – a good option if you work in an advisory role</li><li>Company building insurance – if you own a building, or cover for your equipment and stock</li><li>Company car or van insurance – mandatory if you have a business vehicle</li><li>Business interruption cover – protects your gross profit if your business has to temporarily close due to events like fire or storm damage</li></ul>"}}]},{"componentType":"linkList","iconTitle":{"icon":{"transformBaseUrl":"https://assets.ing.com/transform/712f0411-7ffc-473e-bf7e-7c27d9e265bc/Feedback-Light_Bulb_Filledin","type":"image","width":24,"altTextNL":"\"\"","original":"https://assets.ing.com/m/1a0207ffb56322e/original/Feedback-Light_Bulb_Filledin.svg","extension":"svg"},"title":"Also interesting for you"},"textLinks":[{"url":"/zakelijk/starters","text":"Everything for starting entrepreneurs"},{"url":"/en/personal/insurances","text":"Personal insurances"},{"url":"/zakelijk/financieel-gezond","text":"Tips for a financially healthy company (Dutch only)"},{"url":"/en/business/loans-and-finance/lease-and-asset-finance","text":"Lease a car or van"},{"url":"/en/business/insurance/nn","text":"Insured through Nationale Nederlanden"}]}]},"freeHeaderLayout":"landscape"}}