ZZP insurances

It is not mandatory for a self-employed person to have insurance, but it is wise. You have just started doing business or maybe you will start soon. That means you have many things to take care of, taking out your ZZP insurance is one of them. Taking out insurance is often put off. Nevertheless, taking out good insurance as a ZZP is important. After all, anything can happen during your work that results in unpleasant financial surprises. An accident is in a small corner. Moreover, your private insurance does not cover your business activities as a ZZP'er. It would be annoying if you only found out when it was too late. By taking out a ZZP insurance policy, you can be sure that you can start working carefree.

As a self-employed person, there are several risks to consider. Not only do you probably have to deal with many different stakeholders, such as suppliers and debtors, but also an accident is in a small corner. Especially as a self-employed person, it is nice to be properly insured so that you do not encounter unpleasant financial surprises. Which insurance you should take out depends on your profession and personal situation. The ZZP insurance package includes corporate liability insurance as standard. This insures you for damages caused during work. For example, if you as a painter drop a pot of paint at a customer's home. The professional liability insurance also comes in handy. With this you are insured for financial damage that your client suffers due to a professional error for which you are liable. For example, if, as a communications consultant, you give the wrong advice to the client, with dire consequences.

Through our website you can easily compare ZZP insurances. After entering a few details, a number of insurance policies will appear, tailored to your needs, with the corresponding premiums and policy conditions. You can compare these clearly. Once you have found a suitable insurance, you can take out the insurance directly, easily and quickly. Are you unsure or do you have any questions? Then you can of course always reach us by phone at 0800 - 688 37 12.

The cost of your ZZP insurance depends on several factors. Consider the type of insurance and the amount of the insured amount. Calculating the cost of your ZZP insurance is very easy and quick. You fill in your industry and profession, then fill in a few questions about your activities for each insurance policy. Then you choose the amount insured per claim. You select the insurances you want to take out and then you get an indication of the premium. You can choose whether you want to pay the insurance premium per month, quarter, six months or year. If you choose the payment term "per year," you often get a discount on the premium.

It is not mandatory for a self-employed person to have insurance, but it is wise. Clients or others may require certain types of insurance to avoid excessive risk. If you, as a ZZP'er, cannot meet the costs incurred in the event of an error, it is a problem for both parties. The insurance policies you take out as a ZZP'er are a personal choice, important in this regard is that you make these choices deliberately. Of course, you want anything but to be stuck with a claim that jeopardizes the future of your business.

As a ZZP'er you are an entrepreneur and take into account numerous insurances, but which insurances do you actually need? Obviously, the following ZZP insurances apply in many cases:

• Liability insurance zzp
  • Business liability insurance zzp
  • Professional liability insurance zzp
• Legal expenses insurance Business
• Inventory and property insurance
• Disability Insurance
• Absenteeism Insurance
• Commercial vehicle insurance
• Business property insurance

These are fairly standard insurance policies that are recommended for businesses with their own company car(fleet), premises and associated inventory. As an insurance advisor, we have listed some essential insurance for ZZP'ers. Your liability insurance as a ZZP'er is the primary insurance recommended. It is divided into two types of liability insurance.

Legal expenses insurance is insurance that, under certain conditions, ensures that you receive legal assistance if you become involved in a legal conflict. Legal expenses insurance thus covers unexpected legal costs and legal advice. A conflict due to a traffic accident is common. For example, as a ZZP'er it can happen that you are hit by a car on your bike and therefore cannot work for a longer period of time. A conflict may then arise about who is the guilty party. With legal assistance insurance you will get legal help in defending your innocence and holding the other party liable. Your insurer will also help recover damages from the other party. It may also happen that a major client refuses to pay you. At such times, you need immediate legal help.

For a self-employed person, business liability insurance is indispensable. This insurance is also sometimes referred to as business liability insurance. The insurance covers damage you or one of your employees cause to others. This applies to damage to persons as well as to property or belongings. Note that an accident is in a small corner. Consider, for example, an industrial accident, mistakes in performing work or a defective product you sell. Any financial consequences of these damages are covered with business liability insurance. Use the button below to directly compare business liability insurance for ZZP'er and close online immediately.

What is insured?

• Damage caused to persons or property by you or your employees. This can be damage caused to third parties, but also damage caused by employees among themselves
• Damage from sudden release of environmentally hazardous substances

What is not insured?

• Gradual environmental damage
• Damage not caused to persons or property
• Damage to property under the company's control (e.g., use, transport, store, borrow, rent, process)
• Damage caused by motor or aircraft

Unlike business liability insurance, it does not cover damage to physical property, but professional misconduct. When you are in a consulting profession, a wrong advice or decision can have far-reaching consequences. These costly mistakes can cost millions of dollars, and this is where you, as a self-employed professional, can be held liable. Professional liability insurance allows you to cover these types of risks. Do you work as a lawyer, accountant or have another consulting profession as a ZZP? Use the button below to directly compare professional liability insurance for ZZP'er and close online immediately.

What is insured?

• Damages caused by incorrect advice, omissions, defaults, mistakes, etc.
• Costs in the event of legal challenge, e.g. defense costs, disciplinary procedure costs, civil procedure costs, etc.

The above insurances apply to liability as a self-employed person. Not only liability carries risks. The insurances below may also apply to you as a ZZP'er.

As a ZZP'er it can happen that you get involved in a legal conflict. In that case, professional support is desirable. In many cases it happens that the client does not pay, which leads to you having to seek legal assistance (debt collection). It can also happen that the client is dissatisfied with the work or advice provided. In addition, a supplier may not fulfill its agreements. In case of possible lawyer fees, litigation costs or bailiff fees, a business legal expenses insurance covers the costs. Note that private legal expenses insurance does not provide any coverage. Use the button below to directly compare legal expenses insurance for ZZP'ers and close online immediately.

As a self-employed person, you deal with tools, computers, inventory and purchased supplies. By definition, these are not covered by private insurance. For these, inventory and goods insurance applies. This insures all your inventory and supplies against such things as fire, storm or water.

Note that in many cases, portable tools or equipment are not co-insured outside your premises. If your tablet or laptop suffers damage at a customer's premises, it will not be covered by inventory and property insurance.

Absenteeism insurance is insurance that provides coverage for continued payment of wages of sick employees. Because you do not have to deal with this as a ZZP, absenteeism insurance does not apply, but disability insurance is appropriate.

With liability insurance ZZP, you as a ZZP'er are covered against damage you (or your company) cause to others. Regardless of your situation, you have a choice between business liability insurance and professional liability insurance. The main difference is that a business liability insurance covers property and personal injury (to persons and things) caused by yourself as a self-employed person or by your employees. An example is a cup of coffee over a laptop or a tripping customer due to your actions. Professional liability insurance covers property damage caused by your actions as a ZZP'er. An example of this is substantial financial loss due to faulty advice. Both are damages that you, as a ZZP'er, would rather not bear. The advantage is that both liability insurance policies for ZZP'ers are not very expensive.

The cost of liability insurance ZZP is relatively low compared to the risks you face as a ZZP. Alpina.nl compares all liability insurance policies for ZZP'ers, so that you always take out the right insurance for your situation.