ZZP Insurance

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Self-employed insurance: find the coverage that suits you

Whether you are a starter or have been self-employed for a number of years, as a self-employed person it remains important to map out where your risks lie and how risk-tolerant you are. I can help you with this. Tailored to the size of your company, number of assignments and types of clients, I am happy to advise you on ZZP Insurance.

Business insurance:

  • Corporate liability
  • Professional liability
  • Disability insurance (also during pregnancy)
  • Legal expenses insurance
  • Computer and/or telephone insurance

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Business liability insurance

If you cause damage to one of your customers, it is important to be able to fall back on a business liability insurance. The business liability insurance insures you against material damage caused by yourself.

Personal (injury) damage is also insured within this liability insurance. With liability insurance, I take into account all your industry risks. I ensure that the damage is paid and I protect you against the financial consequences of any damage claims.

Indicative costs of Business Liability Insurance (AVB):

Are you a self-employed person with less than €100,000 in turnover per year? Then you pay around €95 per year. This is less than €8 per month!*

Take out professional liability insurance

Professional liability insurance is important for anyone who has an important advisory role in their profession, such as a communications advisor, lawyer or accountant.

Many entrepreneurs think that with a liability insurance for companies (AVB) they cover all possible liabilities. This is a big misunderstanding: an AVB does not cover professional liability! While major damages often occur in matters related to the execution of your specific profession.

Example of coverage:

  • Carelessness, for example by giving incorrect advice or giving an incorrect representation of the facts
  • Breach of contract, regardless of whether this is the result of a fault
  • Infringement of the legal rules on comparative advertising
  • Loss or damage of documents and electronic data
  • Infringement of an intellectual property right, such as a trademark or copyright
  • Costs of rectification and the costs of a declaration of rights
  • Libel, slander or plagiarism
  • Infringement of license rights

Indicative costs Professional Liability:
Are you a self-employed person with less than €100,000 turnover per year? Then you pay around €470 per year. That is less than €40 per month!*

Disability

As a self-employed person, you are responsible for your income. But what if you are (temporarily) unable to work? Prevent major financial consequences for your business and private situation and guarantee your income continuity.

More than half of the self-employed do not have disability insurance. That does not have to be a problem if you have sufficient assets or a partner with a good income to absorb the income blows in the event of long-term illness, for example. I would be happy to look at your personal situation with you and, if desired, advise you on an insurance that suits you.

As an indication, a 30-year-old self-employed person who wants to cover a salary of €30,000 with a waiting period of 3 months pays approximately €85 per month.*

*Only for indication. Of course, premiums depend on your situation, your professional group, your turnover and your function.

Personal advice about ZZP Insurance
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I make sure that you don't overlook anything, don't take unnecessary risks and don't pay too much. Take contact Contact me for personal, tailor-made advice, at your home or workplace.

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