Fire insurance protects your business against financial loss caused by damage to your premises, equipment or goods due to events like fire, storm or lightning.
It is intended for self‑employed professionals and SMEs. If you own the building, it covers damage to the premises. If you are a tenant, it covers your tenant liability.
It helps ensure that unexpected damage doesn’t threaten the continuity of your business.
"},"title":"What is fire & theft insurance and who is it for?"},{"richBody":{"value":"Fire insurance covers damage to buildings caused by, among other things:
It also covers damage to equipment and goods when they are temporarily moved to take part in a trade fair or exhibition, subject to conditions.
"},"title":"What does fire & theft insurance cover?"},{"richBody":{"value":"Yes. You can choose optional covers such as:
These options allow you to adapt the insurance to your business needs.
"},"title":"Can I extend my fire & theft insurance coverage?"},{"richBody":{"value":"If you are insured, you can rely on:
This support is designed to help you deal with the consequences of a claim.
"},"title":"What assistance do I get if something happens?"},{"richBody":{"value":"The insurance contract is concluded for a period of one year. It is automatically renewed each year unless you terminate it no later than three months before the expiry date.
"},"title":"How long does the contract last?"},{"richBody":{"value":"The premium is calculated based on:
The exact amount depends on your situation and choices.
"},"title":"How is the premium determined?"},{"richBody":{"value":"Certain damages are not covered, such as:
The full list of exclusions is described in the information document and the general terms and conditions.
"},"title":"What is not covered by fire & theft insurance?"},{"richBody":{"value":"You should read the insurance product information document and the general terms and conditions before signing.
These documents are available via ING and at ING branches. Information on conflict of interest policies is also available on the ING and AXA websites.
If you are not entirely satisfied with the distribution of this insurance product, ING’s Complaints Department and the Ombudsman are available to help you. Submit your complaint here.
If your complaint concerns your AXA fire & theft insurance itself, you can contact AXA directly:
Your request will be handled according to the applicable complaint procedures.
"},"title":"What if I have a complaint or I’m not satisfied?"},{"richBody":{"value":"Reporting a claim
If an accident or damage occurs, you can:
If you need legal assistance, download the legal assistance declaration form, complete it and email it to declaration@lar.be.
Changing or terminating your policy
To change your policy, you can:
To terminate your policy, you can:
The Fire Insurance is subject to Belgian law. It is offered to you, subject to acceptance by :
Insurance intermediary ING Belgium SA/nv, an insurance broker registered with the FSMA under the code number 0403200393. Registered office: Avenue Marnix 24, B-1000 Brussels - RPR Brussels - VAT BE 0403.200.393 - www.ing.be - BIC: BBRUBEBB - IBAN: BE45 3109 1560 2789.
Insurer AXA Belgium, S.A. of insurances authorised under n° 0039 to practise the life and non-life branches (KB04-07-1979, BS 14-07-1979) at the National Bank of Belgium, located at Boulevard de Berlaimont 14, B-1000 Brussels - Main office: Place du Trône 1 - B-1000 Brussels (Belgium) - Website: www. axa.be - Tel.: +32 2 678 61 11 - Fax: +32 2 678 93 40 - CBE no.: VAT BE 0404.483.367 RPR Brussels 7.06.5833 - 0616.
"}}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Insurance","url":"/en/business/insurance"}},"componentType":"productHeader","coreHeader":{"body":"Safeguard your company in Belgium with flexible fire and theft insurance for SMEs. Whether you run a shop, office, or warehouse, AXA Belgium's fire insurance helps protect your assets, stock, and operations against unexpected risks.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/63cefbe78bbc9680/original/fire-1920.jpg","transformBaseUrl":"https://assets.ing.com/transform/418215a5-725b-4404-afaf-42945dee61e3/fire-1920","type":"image","width":1920},"subtitle":"Protect your business against fire, theft and damage","title":"Business fire & theft insurance in Belgium"},"cta":{"componentType":"cta","textLink":{"text":"Already an ING client? Request a call","url":"https://ebanking.ing.be/banking/bset/intake-insurance?flow-step=ins-your-question"}},"secondaryCta":{"textLink":{"text":"Not a client yet? Talk to an ING advisor","url":"/en/business/services/contact-us"}}},"publishDate":"2026-06-02T11:10:14.982+02:00"}}