What are mandatory ZZP insurances?
Are you just starting out as a ZZP? Then you may be wondering which ZZP insurances are mandatory. We can be brief about that: no ZZP insurance is legally required. However, a client or supplier may require certain ZZP insurances. This does not only apply to ZZP'ers, but also to SMEs and large companies. This is because they want to prevent the risk from becoming too great for them. After all, if you as a ZZP'er make a mistake, but cannot meet the costs involved, this also has adverse consequences for the client. Furthermore, which ZZP insurance you take out remains your own choice. On Alpina.nl we will tell you more about ZZP insurance.
ZZP insurance not mandatory, but wise
However, the fact that ZZP insurances are not mandatory does not mean that it is wise not to take out any insurances at all, because as a starting entrepreneur you obviously want to insure your business as well as possible. Because of the wide range of insurance policies available, many entrepreneurs find it difficult to determine which ZZP insurance policies they really need. When choosing insurance, it is therefore important to determine which risks you want to insure. You do not have to insure all risks. Some risks you may be able to bear yourself because you have the financial room to do so. Which risks you can best insure depends on your business, your financial strength and the industry in which you operate.
What insurances do I need as a self-employed person?
As a sole proprietor, you need to consider several risks. Not only do you probably have to deal with different stakeholders, such as suppliers and debtors, but also an accident is in a small corner. Especially as a ZZP'er it is nice to be well insured, because of course you will also pay for all the costs yourself. Which ZZP insurance is best for you depends on your profession and your personal situation.
At Alpina.nl , you can take out a ZZP insurance package. This includes a Business Liability Insurance as standard. With this you are insured for liability damage caused during your work. For example, if you as a painter drop a pot of paint on a customer's beautiful wooden floor. In addition, professional liability insurance also comes in handy. This insures you for financial damages suffered by your client due to professional misconduct for which you are liable. For example, if you as a communications consultant give the wrong advice to the client, with dire consequences. Furthermore, you can further supplement your ZZP insurance with, for example, business legal expenses insurance or director's liability insurance.
Take out your ZZP insurance directly through Alpina!
At Alpina.nl you can easily calculate the premium for your ZZP insurance. After entering a number of details, insurances tailored to your needs will appear, with the corresponding premiums and policy conditions. You choose which ZZP insurances you want to take out. Once you have found a suitable insurance you can take out a policy directly online. Are you having problems or do you have any questions? Then you can of course always reach us by phone at 088 - 688 37 12. We are happy to help you!
Also view
- As a self-employed person, do I need to take out business legal expenses insurance?
- Is liability insurance mandatory for a self-employed person?
- What types of insurance do I need as a self-employed person?
- What does ZZP insurance cost?
- What does AVB insurance cover?
- The 10 most important insurance policies for startups
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