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.
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!
Until 31 December 2026, you can combine different discounts for each new Top Habitation, Top Commerce or Top Bureau fire insurance policy! - only 'Total Customer Insurance’ and 'Welcome Gift' cannot be combined.
Benefit from a 10% discount¹ for the entire term of your new contract – provided it remains unchanged². You will receive the discount if you also hold at least one active contract with BNP Paribas Fortis for one of the following AG insurance policies:
You will receive a 5% discount¹ for the entire term of your new contract – provided it remains unchanged² – if you have invested (or invest within 12 months) in improving the energy performance of your home with solar panels, a heat pump and/or a wind turbine for private use. This discount also applies if your home has an EPB rating of A+, An or B in Flanders and Wallonia, or A, B or C in Brussels³.
Do you need a new PEB/EPC certificate, an asbestos certificate or an electrical inspection for your home? Count on SoSimply.
1 To take advantage of this discount, call the Easy Banking Centre on +32 2 433 41 30 or make an appointment.
2 This discount is valid for new contracts and existing contracts with modified risk parameters (risk location, policyholder status, NACE code, or building type, thatched roof, building age, or provisional acceptance date), provided the contract covers a single-family home or building. The discount remains valid for the contract’s duration - unless modified.
The discount applies to all types of cover, except for the Natural Disasters cover for homes/buildings located in areas with a significant risk of flooding (tariffs set by the “Tarif Bureau”).
3 This can only be granted if at least one of the following conditions is met when the contract is signed or within 12 months:
Work with peace of mind by giving your business premises and their contents the protection they deserve
For the basic cover, anything that is not excluded is covered in accordance with the terms and conditions of each guarantee.
Top Bureau protects your building, its contents and much more! This includes damage to your advertising signs, telecoms system and solar panels.
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.
In most cases, you’re fully compensated for the damage you suffer.
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
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.
Read the following documents before signing your policy:
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.
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.
Do you need even more comprehensive protection for your offices? Simply add one of the following types of cover to your policy.
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.
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.
Ensure the continuity of your business with this optional add-on, which covers your loss of earnings resulting from a claim.
Cars and vans, civil liability and more besides: discover our other business insurance policies to protect yourself even better!
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.
This policy provides essential insurance that covers your civil liability, and therefore the damage you may cause while working.
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.
