Liability insurance zzp care

Taking out liability insurance has several advantages. When you are insured, you eliminate risks. What kind of risks? For example, damage to your client's belongings or damage to your client's body. Are you insured for such risks? Then at least you no longer have to worry about the financial part of any claim. In this way, then, liability insurance provides peace of mind and security.

Please note that you should always be well informed about the exact risks that a particular insurer covers. Contact your insurer for this, or go through the policy terms thoroughly.

What is and is not covered by insurance depends on several factors: The package you purchase and the insurer you purchase insurance from, for example. Also, of course, it depends on your exact healthcare profession.

Are you a dentist? Then you probably work at one location. If so, it is also important that your assistant is co-insured, while as an obstetrician it may be convenient that you are insured at multiple locations. In either case, it is advantageous that you have coverage for equipment that needs to be replaced or repaired.

The following items are included in the insurance: 

• General liability;
• Risk liability;
• Professional liability;
• Injury or treatment to health whether or not resulting in death;
• Indirect consequential damages;
• Costs to prevent or reduce damage;
• Insured amount per occurrence (depends on insured amount);
• Work at companies.

Some core/important items are often insured by default. You can always expand this by covering more risks. Note that this may result in a higher premium.

The following items are often not co-insured: 

• Liability for property or personal injury;
• Damage caused by intent or recklessness;
• Damages resulting from infringement of intellectual property;
• Asset crimes, such as fraud and theft.
• So these are mainly things prohibited by law.

The calculation of your premium depends on the risks you want to exclude and the insurer you choose. Below is a list of factors that factor into the calculation:

Having basic coverage: 

• Insured capacity;
• Coverage area;
• Own risk;
• Sum insured per occurrence.

Having additional coverages: 

• Details coverage;
• Foreign coverage;
• Legal Aid;
• Accident coverage.

Ultimately, as you have read, it is very important to be well covered as a self-employed healthcare professional. That way, you can throw yourself into your work with peace of mind.

Getting liability insurance ZZP zorg is not easy, as many insurers do not want to cover that risk. For Care, there are specialized liability insurers.

At Alpina, you always get the most complete insurance at the right price. Do you have any questions about insurance? Then contact us or request a no-obligation quote.