Welke verzekeringen zijn verplicht voor mijn MKB-bedrijf?

Verplichte verzekeringen zijn: een autoverzekering voor bedrijfsvoertuigen (WA minimaal) en een verzuimverzekering als u personeel in dienst heeft. Daarnaast zijn een bedrijfsaansprakelijkheidsverzekering (AVB) en een beroepsaansprakelijkheidsverzekering (BAV) sterk aan te raden om financiële risico's af te dekken.

Wat is het verschil tussen bedrijfs- en beroepsaansprakelijkheid?

Een bedrijfsaansprakelijkheidsverzekering (AVB) dekt schade aan personen of zaken door uw bedrijfsactiviteiten. Een beroepsaansprakelijkheidsverzekering (BAV) dekt vermogensschade door beroepsfouten, zoals verkeerd advies of fouten in geleverd werk. Veel MKB-bedrijven hebben beide nodig.

Hoeveel kan ik besparen met een MKB-pakket?

Met een MKB-verzekeringspakket kunt u tot 25% pakketkorting krijgen. Daarnaast bespaart u op administratie doordat u één aanspreekpunt heeft. Bij Finass Verzekert krijgt u persoonlijk advies over de optimale samenstelling van uw pakket.

Heb ik een cyberverzekering nodig?

Een cyberverzekering wordt steeds belangrijker. Cyberaanvallen, datalekken en ransomware kunnen grote financiële schade veroorzaken. Ook mkb-bedrijven zijn doelwit. Een cyberverzekering dekt de kosten van herstel, aansprakelijkheid en eventuele losgeld of boetes.

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Mandatory insurance is: car insurance for company vehicles (minimum third party liability) and absenteeism insurance if you employ staff. In addition, AVB and BAV are highly recommended. Most clients and banks require these insurances.

AVB (business liability) covers damage to persons or property caused by your business activities. BAV (professional liability) covers financial loss due to professional errors, such as incorrect advice. Many SMBs need both for full protection.

With an SME insurance package you can get up to 25% package discount. You also save on administration: one point of contact, one policy and overview. We are happy to advise you on the optimal composition of your package.

Cyber attacks also affect SMEs. Cyber insurance covers costs of data breaches, ransomware, recovery and liability. GDPR fines can reach €20 million. Cyber insurance is recommended, especially if you process customer data.

Business interruption insurance covers loss of turnover if your company comes to a standstill due to fire, water damage or other calamities. You will receive compensation for fixed costs and lost profits during the recovery period.

As an employer, you are obliged to continue paying sick employees for 2 years (70-100% of the salary). Absenteeism insurance is not legally required, but it covers this risk. Without absenteeism insurance, the costs of a long-term sick employee can increase enormously.

For multiple commercial vehicles, fleet insurance is cheaper than individual policies. You get one policy, one premium and a discount for more vehicles. Moreover, it is clearer and you can easily add or remove vehicles.

In the event of damage, we are on your side. Contact us immediately and we will help with the damage report, maintain contact with the insurer and ensure a quick settlement. Our claims service is rated at 9.8.

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