1. Disability Insurance
This is the insurance that may soon become mandatory for everyone. Within this, you can choose a basic insurance that pays out only in the case of very serious conditions, or a complete disability insurance that is also a safety net for temporary problems such as a broken arm, for example. The premium you pay depends, among other things, on your age, the amount insured and whether or not you want to carry a deductible.
2. Corporate liability insurance
Novice business owners often think that privately purchased insurance policies also cover losses incurred by businesses. However, this is not the case. For these risks, you need Business Liability Insurance. An AVB generally covers only material risks.
3. Professional liability insurance
If, as an accountant, you file a false return, this can result in damages that are recovered from you by the client. These claims are often very high and difficult to raise yourself. For certain professional groups there is therefore the Professional Liability Insurance.
4. Inventory and property insurance
This insurance covers all damage caused by fire, storm or water, for example. In addition, your tools, entire inventory and supplies are insured against theft. This is an
important insurance for the continuity of your business. It is already very bad if you have to deal with theft or
fire, it is even worse if it prevents you from doing your work.
5. Legal Aid Insurance
If your client or customer is dissatisfied with your delivery or service, he may refuse to pay you, for example, or he may hold you liable for damages. Legal expenses insurance prevents you from having to pay high costs to get your rights because the insurance company provides legal assistance. You can take care of good and unambiguous general conditions yourself.
ZZP package at Alpina
We understand that it is complicated to determine which insurances you need and which are less important. This is why we have created the ZZP Chameleon Policy especially for sole traders. This package always includes insurance for liability, legal expenses, inventory and, depending on the profession, additional insurance. The combination makes the package attractively priced.
