Multi-Risk Insurance

A variety of risks covered with just one type of insurance

Multi-Risk Insurance

A variety of risks covered with just one type of insurance

This insurance covers your movable and immovable property for various risks, including fire, vandalism and storms.

What is insured?

This insurance provides cover for loss or damage caused by the following:

  • Fire, explosion, lightning strikes, damage caused by electricity or abnormal emissions of smoke or carbon within a building
  • Collision with vehicles, falling aircraft, or animals, falling trees, cranes or lifting apparatus making contact with the building
  • Malicious damage caused during vandalism, labour conflicts or attacks
  • Water and fuel oil

Cover is also provided for loss or damage associated with the insured claim event, for instance caused by the rescue of people or goods, or by measures intended to limit the loss or damage.

What is not insured? Most important exclusions:

  • Loss or damage affecting contents other than the home contents as a result of the cooling or ventilation system, etc.
  • Vandalism to machines and vandalism to motor vehicles and their trailers, movable equipment or merchandise located outside a closed building

Things you also need to know

  • This is a form of property damage insurance.
  • This product is governed by the laws of Belgium.
  • The insurance is for a term of one year and is tacitly renewed unless it is cancelled no later than three months before the principal renewal date.
  • Your intermediary is your first point of contact for any complaints you may have. If no agreement can be reached, you can contact KBC Complaints Management by post at Brusselsesteenweg 100, 3000 Leuven,, tel. 0800 62 084 (freephone number) or 078 152045 (paid number), or by fax on 016 863038. If no satisfactory solution can be reached, you can contact the Insurance Ombudsman at de Meeûssquare 35, 1000 Brussels, or, which serves the whole industry. Alternatively, visit
    However, you always retain the right to initiate legal proceedings.

Contact your KBC insurance intermediary to request a quotation for this insurance

The KBC Business Property Insurance is a product of KBC Insurance NV – Professor Roger Van Overstraetenplein 2 – 3000 Leuven – Belgium VAT BE 0403.552.563 – RLP Leuven – IBAN BE43 7300 04200601 – BIC KREDBEBB Company authorised for all classes of insurance under code 0014 (Royal Decree of 4 July 1979; Belgian Official Gazette, 14 July 1979) by the National Bank of Belgium, De Berlaimontlaan 14, 1000 Brussels, Belgium. Member of the KBC Group

For a concise description of the cover, the most important exclusions and other useful information, please refer to the product fact sheet.

Make an appointment at KBC

Make an appointment with your agent or branch
Opening hours: Monday to Friday from 8 a.m. to 10 p.m. Saturday from 9 a.m. to 5 p.m.

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