What types of insurance do I need as a self-employed person?
Have you just started as a self-employed person or do you have plans to start? Then there are a lot of things you need to take care of, such as your insurances. There are quite a lot of business insurances, making it sometimes difficult to determine which ZZP insurances you really need. You don't need to insure all risks; some you may be able to take care of yourself. Which risks are best to insure depends on your business and the industry in which you operate. On Alpina.nl , we have created a list of insurances you may need as a ZZP'er.
Corporate Liability Insurance (AVB).
With Business Liability Insurance, you are insured for liability damages to a customer. This involves damage to others or to belongings to others caused by you or your products. For example, if you are a painter and accidentally drop a pot of paint on your customer's laminate floor. Or if a product you supplied causes damage. The coverage of an AVB is similar to Liability Insurance for Individuals (AVP), but for your business.
Professional liability insurance
Professional liability insurance is often confused with AVB. With a Professional Liability Insurance you insure yourself in case of a professional error for which you are liable. This insurance is particularly useful for ZZP'ers who give advice, for example, such as architects, accountants, engineers, consultants or ICT specialists. This insurance covers property damage of entrepreneurs.
Business legal expenses insurance
Business legal expenses insurance is a useful addition for any business owner. After all, there are many ways you can become involved in a legal conflict. For example, if a supplier fails to deliver materials on time or if a conflict arises over a permit. With business legal expenses insurance, you are assured of legal help and advice in the event of a conflict that arises from performing activities in your profession. You will also receive compensation for the costs of this legal help. These include litigation costs and costs of independent experts.
CAR insurance
CAR insurance is especially useful for contractors, clients, architects and structural engineers, among others. CAR stands for Construction All Risk. CAR insurance covers material damage that occurs during the construction or reconstruction of buildings, roads, bridges and installations, for example. For example, if an installed wall during an addition suddenly collapses. The damage can be caused, for example, by a design error, execution error or construction error. But damage caused by fire, storm or theft is also covered. A standard building insurance or company liability insurance does not cover damages during construction or renovation work.
Inventory Insurance
As a business owner, you probably have a lot of inventory. This might include desks, computers, office supplies, as well as special machinery and supplies. This inventory is essential to your business, so it makes sense that you don't want anything to happen to it. To protect your business, you can purchase inventory insurance. With inventory insurance, your inventory is insured against damage caused by fire, storm or burglary, among other things.
Take out ZZP insurance directly through Alpina!
At Alpina.nl we have a wide range of ZZP insurance. You can also take out the ZZP insurance package with us. By default, this consists of the Liability Insurance for Business and the Professional Liability Insurance. In addition, you can compile the package entirely yourself. Need advice? Our insurance specialists are happy to help. You can reach them by phone from Monday to Friday from 8 a.m. to 6 p.m. at 088 - 6883700. Of course, you can also always send us a message via chat, WhatsAppp or Messenger.
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