AOV insurance for entrepreneurs

Anyone can get sick or have an accident. A salaried employee is often automatically insured for disability. An employer takes out disability insurance for the entire company. As a business owner, you can decide how to insure yourself against disability. One of the possibilities is to take out an AOV insurance for entrepreneurs. With an AOV insurance for entrepreneurs you are protected against loss of income if you can no longer work because you become disabled. On Alpina.nl we tell you all about an entrepreneurs AOV.

What is an entrepreneurs' AOV?

As a business owner, of course you would rather not be sick. Your work will remain idle, reducing your income and at some point you may not be able to pay the bills. Especially if you are sick for a long time, this has a lot of impact on your business. To protect yourself against the financial consequences of disability, you can take out an entrepreneurs AOV. As an entrepreneur, an AOV insurance offers you financial security. You know for sure that you can continue to pay your bills if you become disabled. Many insurers also offer help with prevention and reintegration. An entrepreneurs AOV is possible for all entrepreneurs, whether you work as an office consultant, landscaper or construction worker.

Why take out AOV insurance as a business owner?

Taking out AOV insurance is not mandatory for business owners. So why should you take out one anyway? If you are healthy, the chance of becoming ill or having an accident seems very remote. Yet it happens more often than you might think. About 1 in 4 people become incapacitated at some point in his or her life. Many business owners underestimate this risk. Think, for example, of a workplace accident, a nasty fall on a bicycle, a car accident or contracting a virus or bacteria. The saying goes "an accident is in a small corner" for a reason.

As an entrepreneur, if you are unable to work for an extended period of time, you are missing out on a large portion of your income. Many entrepreneurs have a piggy bank behind them, but often this is only for a few months. If you run out of your buffer before you can work again, you have a problem. After all, your fixed expenses just keep running. By taking out an entrepreneurs AOV you can be sure that you can continue to pay your bills.

As a business owner, am I entitled to disability benefits?

As a business owner, you are not automatically insured for loss of income due to disability. You are therefore responsible for ensuring a replacement income if you become disabled. This can be done, for example, by taking out AOV insurance for entrepreneurs. A salaried employee does not have to do this, because disability insurance often goes through the employer.

What are the benefits of AOV insurance?

Taking out and AOV insurance has a number of advantages:

• With AOV insurance you are assured of an income at the moment you become disabled. For an entrepreneur it is a pleasant financial safety net.
• You determine the portion of income you want to insure up to a maximum percentage (Here, the lower the insured amount, the lower the premium)
• The insurer often offers reintegration assistance as well
• The premium of an AOV is tax deductible

Take out disability insurance directly through Alpina

There are several providers of AOV insurance on the market. How do you know with which insurer you can take out the best AOV insurance for entrepreneurs? We always recommend to compare providers. It is wise to not only pay attention to the amount of the premium, but also to the coverage and conditions of the insurance. For example, look at the amount of the insured amount and the waiting period. At Alpina.nl , you can first request a no-obligation quote.

Do you still have questions about taking out AOV insurance or about the quotation? Then please contact us! We are available Monday to Friday from 8 a.m. to 6 p.m. by phone at 088 - 688 3712.