1. Disability insurance
This is the insurance that may soon become compulsory for everyone. Within it, you can choose between a basic insurance that only pays out in the event of very serious illnesses, or a complete disability insurance that also provides a safety net in the event of temporary problems such as a broken arm. The premium you pay depends, among other things, on your age, the insured amount and whether or not you want to carry a policy excess.
2. Liability insurance for companies
Beginning entrepreneurs often think that private insurance policies also cover damages incurred in the course of business. However, this is not the case. For these risks you need a Third Party Liability (AVB) insurance. An AVB generally only covers material risks.
3. Professional indemnity insurance
If you, as an accountant, make an incorrect declaration, this can result in damage that the client can recover from you. These claims are often very high and difficult to bear by yourself. For certain professional groups there is therefore the Professional Indemnity Insurance.
4. Inventory and goods 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 expenses insurance
If your client or customer is dissatisfied with your delivery or service, he may refuse to pay you, for example, or hold you liable for damages. Legal assistance insurance prevents you from having to pay high costs to obtain justice because the insurance company provides legal assistance. You can also ensure that your General Terms and Conditions are good and unambiguous.
ZZP package at Alpina
We understand that it is complicated to determine which insurances you need and which are less important. That is why we have put together the ZZP Chameleon Policy especially for sole traders. This package always includes insurance for liability, legal assistance, inventory and, depending on the profession, additional insurance. The combination makes the package attractively priced.
