Accident insurance for a zzper

Are you a self-employed person? Then you have a choice of three different insurance policies that protect you from accidental damage. The different insurances are:

• Disability insurance for self-employed entrepreneurs.
• Personal accident insurance for your private situation.
• Occupational accident insurance for your staff.

Which accident insurance for self-employed workers best suits your situation? Of course, that depends in part on what you want to insure. The specialists at Alpina.nl will be happy to explain the differences between the insurances.

If you insure yourself with personal accident insurance, you are assured of an amount of money after an accident. For example, you will receive a certain amount if you become permanently disabled and your dependents will receive an amount if you die due to an accident. Did you know that you can insure accidents indoors, but also outdoors. For example, in the schoolyard, while playing sports or in traffic. Of course it is also possible to insure the whole family. Here it is entirely optional who you insure and for what amount you insure. With personal accident insurance you have no excess.

When does personal accident insurance pay out for your personal situation?

The insurance pays a fixed amount or percentage in the event of permanent disability to your head, organs, arms and legs. It does not matter whether the accident occurred inside or outside your home.

Some people mistake the abbreviation zzp for self-employed entrepreneur. Are you an independent entrepreneur with personnel? Then you are responsible for your staff. Industrial accident insurance covers accidents during or on the way to work that result in disability or death.

As an employer, you choose the amount your employee receives:

• You base the amount on the salary;
• Or you can choose a fixed amount.

It is good to know that industrial accident insurance covers employees, temporary workers and trainees. It does not matter who causes the accident.

When does industrial accident insurance pay out for your staff?

An employee who has become disabled is paid 12.5 to 100% of average gross salary. This percentage depends on how many hours your employee can still work.