The corona crisis and insurance for the self-employed
The corona crisis is gripping the entire country and a solution is not yet in sight. Good health is only more important at this time. Meanwhile, the economy is also being hit hard. The group suffering first are the self-employed. Large companies often still have a buffer. After an awkward statement by Minister Wiebes about self-employed workers, the cabinet later announced emergency measures to ensure that even the group of self-employed workers can keep their heads above water. Through Alpina, there are also a number of insurances for zzp'ers that, even during the corona crisis, can be a good outcome or support for zzp'ers. What insurances are there for self-employed people, and which ones can be a godsend in the time of a pandemic? You can find out in this article on the corona crisis and insurance for self-employed people.
Main insurance corona crisis for self-employed workers
You may be self-employed or just getting started. Self-employed people come in all different fields of work, and there are insurances available for those fields of work.
Main insurance corona crisis for self-employed workers
You may be self-employed or just getting started. Self-employed people come in all different fields of work, and there are insurances available for those fields of work.
At the time of the corona crisis, one insurance policy that stands out head and shoulders above the rest is disability insurance (AOV). There is now a good chance that you could be infected by the corona virus (COVID-19). Disability then lurks. Unlike employed people, self-employed workers are not entitled to government disability benefits. People often think that they can continue working when ill, or that the AOV is expensive. Yet neither need be true. In case of a corona infection, or complaints thereof, you have to stay home from the government. Continued employment is then often not possible. You can get an AOV at a good price. The price of an AOV depends on your income. On average, an AOV costs €3,000 per year. That is a lot of money, but if you work 40 hours per week with 4 weeks of vacation per year, that comes down to €1,56 per hour worked. This amount is a gross amount, which means you can deduct the cost from your income tax.
The advantage of an AOV is that if you become disabled, you are entitled to a benefit from the insurance. At the time of the corona crisis, this can be a necessary outcome. In addition, this insurance is also important after the crisis. You may get sick, break something or otherwise become disabled. With an AOV, you are then assured of a disability benefit.
Taking out insurance for self-employed workers? Calculate your premium!
Other insurance for self-employed workers
In addition to AOV insurance, there are other insurances you can benefit from as a self-employed person, namely:
- Construction All-Risk (CAR) Insurance;
- Business liability insurance;
- Professional liability insurance;
- Inventory insurance;
- Stock insurance;
- Legal expenses insurance;
- Business auto insurance.
All of these insurance policies have their own benefits. Construction All-Risk insurance was created specifically for the construction industry. Are you a contractor or installer? Then this insurance may be the answer.
With business liability insurance, you are insured for liability. For example, if you knock over the customer's laptop.
Professional liability insurance is useful if you are an attorney, consultant or accountant. This insurance covers business owners' property damage.
With inventory insurance, you have a distinction between your business and private inventory. With this one, you insure the inventory that is on your business.
Inventory insurance covers the risks of large inventories you have. For example, if a fire occurs in your business premises.
With legal expenses insurance, you are assured of legal assistance in conflicts you may encounter with clients.
Finally, company car insurance. If you purchase a car or company van in the company's name, you can insure it for business with this insurance.
Get zzp insurance
With one insurer, you can buy the insurance in a package, this way you are insured for all kinds of things. While the other insurer offers the insurances separately. It is good to find out in advance which insurances you want, so you can compare them properly. It is also important to check the policy conditions of the insurer. That way you will not be confronted with unpleasant surprises afterwards.
Questions about insurance for self-employed workers? Contact Alpina.
Do you have any doubts or questions about our insurance zzp? Or questions about insurance and corona? Then feel free to contact our customer service team. They are ready to answer all your questions.
Also read:
Freelancers during the corona crisis: Can you combat financial loss with insurance?
What is the importance of good insurance during corona crisis
Calculate the premium of your ZZP insurance package right away!
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