ZZP without risk
As a self-employed person, you run as much risk during your work as if you were an employee, perhaps even more. So why do many self-employed people still not have their ZZP insurance in order? Lack of time and money, is usually the answer. But if you don't have your insurance in order then it can actually cost you a lot of money. Read here how to arrange your ZZP insurance quickly and cheaply.
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What risks are you running?
- Damage to your premises
- Damage to your car or someone else's car
- Burglary
- Late delivery
- Liability
- Industrial accident
- Cybercrime
These are a few examples but, of course, there are many more. They vary greatly by occupation.
Make an analysis
For someone working in nursing, the risks are different than for a consultant. Just as being on scaffolding is not comparable to working from behind a desk. Therefore, it is wise to list your business risks. Make a list of all the risks you face in your profession. Include how likely it actually is that things will go wrong for you and what the consequences would be. This is called a risk analysis.
Prevent or insure
You now have a list of everything that can go wrong. That doesn't mean it will! To reduce your risk, you can take a lot of preventive measures. Think of things like proper maintenance of your tools and your car. Clear agreements with reliable suppliers. Security of your business premises. And good terms and conditions that you include in your quotations.
But an accident is in a small corner and not everything can be prevented. That's why there are ZZP insurances. These cover the damages you cannot bear yourself. And thus you prevent your business from making a loss.
Do an insurance check
There are a lot of insurance policies to compare online. For ZZP'ers, there are packages put together that bundle the most important ZZP insurances for each professional group. These are then very inexpensive. You can take out additional insurances yourself that fit your risk analysis. Within 24 hours you are optimally insured at a low rate. This way you become self-employed without risk!
Calculate the premium of your ZZP Insurance Package immediately!
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