AOV insurance ZZP construction

As a self-employed construction worker, you are at greater risk of becoming disabled than, say, an accountant. After all, a construction site involves a lot of work with tools and machinery. There is also usually heavy physical labor. Partly because of this, the risk of an accident is a lot higher if you work in construction as a self-employed worker than if you have an office job. Even if you are always careful. An AOV insurance is therefore no superfluous luxury for a ZZP'er in construction. With a good AOV insurance you have a financial safety net. This can save you a lot of worry the moment you become disabled.

What exactly does AOV insurance for a self-employed construction worker entail?

AOV insurance is also known as disability insurance. With an AOV insurance you receive a payment from the insurer when you become disabled. The reason you become disabled does not necessarily have to do with your work. It can be due to an accident on the shop floor, but also a car accident or a bad fall with the bike. Many business owners underestimate the risk of becoming disabled. After all, an accident is in a small corner. Moreover, a virus or bacteria can also cause you to be out of the running for a longer period of time. An employee is usually automatically insured for this, but as a ZZP'er you have to take out your own AOV insurance. Without AOV insurance, you miss out on a large part of your income, while your fixed expenses still have to be paid.

What does AOV insurance cover zzp bouw?

AOV insurance covers the loss of income the moment you become disabled. If you can no longer work, due to an accident or illness, you can appeal to your AOV insurer. You will then receive a monthly payment. You choose the amount you want to insure. By this we mean the percentage of your income. Therefore, it is important that you look at your normal income and contrast that with the sum you need to cover your fixed expenses. Often an AOV defaults to 80% of your income. You can also adjust this amount downward if you think less is enough. The premium of your AOV insurance will then also go down. With some insurers it is possible to insure 90% of your income during the first year.

What are the benefits of AOV insurance?

Taking out AOV insurance has a number of advantages for a self-employed construction worker:

• With AOV insurance you are assured of an income at the moment you become disabled
• The insurer offers help with reintegration into the workplace. Especially if you work in construction, proper guidance is important here, because the work is often physically demanding.
• You choose what percentage of your income you insure. This can be 80% or less. The lower the percentage, the lower the premium.
• AOV insurance offers you a financial safety net. So you do not lose all your savings during the period that you are unable to work
• The premium of AOV insurance is tax deductible

Take out AOV insurance directly through Alpina

Of course you want to know what you will soon pay for an AOV insurance before you take it out. On Alpina.nl you can request a free, no-obligation quote. You do this by filling in some personal data. Based on this information we can make an accurate quote. Do you have any questions about AOV insurance or would you like to discuss your options? Then please contact us! Our insurance specialists will be happy to help you. We can be reached by phone Monday to Friday from 8 a.m. to 6 p.m. at 088 - 6883712.