Zzp Insurance Package

The Zzp insurance package consists of several insurances. By default, business liability and professional liability are co-insured. In addition, you can put the package together yourself. For example, you can include directors' liability insurance. This insurance protects the private assets of directors, supervisory directors and supervisors against the risk that they will be held personally liable for pure financial loss due to errors, omissions or negligence in the performance of their duties. You can also choose to include legal expenses insurance, so that you are insured in the event of a conflict with, for example, a supplier or debtor.

It is not mandatory for a self-employed person to have insurance, but it can be wise. When starting a business, you have to be very mindful of costs. Taking out insurance is usually put off in the process. Nevertheless, good insurance as a self-employed person is very important. You run daily risks that are sometimes incalculable. The annoying thing is that you only find out when it is already too late. If you take out a self-employed insurance package, you can be sure that you are well insured. Moreover, your private insurance policies do not cover your business activities as a self-employed person.

The Zzp insurance package you put together yourself consists of various insurances. Often the basis is liability insurance for the zzp-er. For many insurances, there are also various additions possible. For each insurance, there are a number of things that are and are not covered. This can be read in the policy conditions of the insurer.

What a Zzp insurance package costs depends on the insurance policies you take out and the amount insured. When calculating the premium, you enter your industry and profession. Then you fill in a number of questions about the activities per insurance. Then you choose the amount insured per claim. You select the insurance you want to take out and then you get an indication of the premium. You can choose whether you want to pay the insurance premium monthly, quarterly, half-yearly or annually. If you choose a yearly payment term, you often get a discount on the premium.

The Zzp Insurance Package is designed for self-employed people in different industries, with different professions.

The occupations are divided into 3 groups:

• Zzp'ers with consulting professions (including accountant, (interior) architect and graphic designer)
• Independent contractors working with tools (including landscapers, plumbers and painters)
• Self-employed people working in the external care field (including beautician, home hairdresser and make-up artist)