Legal expenses insurance self-employed
As a self-employed person you may be faced with legal conflicts: a customer who does not pay, a dispute with a supplier or problems with the government. The business legal expenses insurance gives you legal help and advice without high lawyer costs.
💰 Premium indication 2025
Business vs Private: Which Do You Need?
As a self-employed person you need business legal expenses insurance. Private only covers private conflicts.
Commercial Legal aid
Covers legal conflicts in your business operations: disputes with customers, suppliers, the government. Also Collection assistance if customers do not pay. Plus conflicts about your business premises, contracts, permits.
NB: Private legal expenses insurance does NOT cover business conflicts! As a self-employed person you need business legal assistance.
Private Legal aid
Covers legal conflicts in your private life: disputes with neighbors, the seller of your house, web shops. Conflicts over consumer purchases, private traffic, medical errors.
Tip: Combine business + private and get a 20-30% discount on the private premium!
Which Conflicts Do You Get Help With?
Customer Does Not Pay
Collection assistance: outstanding invoices still collected
Supplier Does Not Deliver
Dispute about delivery, quality or delivery time
Contract disputes
Disagreement about content or execution of contract
Rent business premises
Conflict with landlord about rent or maintenance
Government / Permit
Objection to decision, permit application
Traffic business
Claim damages after a traffic accident during work
Cybercrime
Claim damages in the event of hacking or fraud
Trade name / Domain
Conflict over use of your name or domain
What does your legal expenses insurance cover?
Legal advice
Unlimited advice from experienced lawyers on business issues.
Collection assistance
Collect outstanding invoices. Often on a no cure, no pay basis.
Lawsuits
Litigation costs, lawyer's fees, court fees for proceedings.
Mediation
Mediation to resolve conflict without a lawsuit.
Drafting contracts
Assistance with drawing up general terms and conditions and contracts.
Defense to Complaint
Legal assistance if you are sued yourself.
Compare legal expenses insurers
DAS
- ✓ Very extensive coverage
- ✓ Collection included as standard
- ✓ Unlimited internal legal assistance
- ✓ External up to €25,000
- ✓ Minimum interest €400
ARAG
- ✓ Compact or Premium choice
- ✓ Collection included
- ✓ External up to €40,000
- ✓ 28% member discount possible
- ✓ Traffic, Operations, Purchasing
Achmea Legal Aid
- ✓ Via Interpolis/Centraal Beheer
- ✓ No minimum amount
- ✓ External up to €50,000
- ✓ 1 permanent lawyer
- ✓ No deductible
Covered and Not Covered
✓ Well covered
- ✓ Conflicts with customers/clients
- ✓ Conflicts with suppliers
- ✓ Collection of outstanding invoices
- ✓ Disputes regarding rental of commercial premises
- ✓ Objection to government decision
- ✓ Recovering traffic damage for business purposes
- ✓ Trade name / domain name dispute
- ✓ Recovering damage caused by cybercrime
- ✓ Criminal cases and disciplinary cases
- ✓ Mediation and conciliation
✗ Not Covered
- ✗ Conflicts that already existed at closing
- ✗ Disputes within waiting period (3 months)
- ✗ Intention or deliberate recklessness
- ✗ Conflicts below minimum interest (€250-€500)
- ✗ Private conflicts (= private legal assistance)
- ✗ Tax disputes (usually not)
- ✗ Disputes with your own insurer
- ✗ Fines and penalty payments
- ✗ Divorce / family law (= private)
- ✗ Intellectual property (often not)
Choose Your Coverage
business operations
- ✓ Customer/supplier conflicts
- ✓ Collection assistance
- ✓ Rent business premises
- ✓ Permits/government
- ✓ Traffic business
Extensive + Purchase/Sale
- ✓ Everything from Basic
- ✓ Purchase and sale of goods
- ✓ Delivery services
- ✓ Taking work
- ✓ Up to €50,000 externally
Complete Protection
- ✓ Business legal assistance
- ✓ Private legal assistance
- ✓ 20-30% combination discount
- ✓ Private + business traffic
- ✓ Consumer affairs private
Why Choose Us?
Legal Aid Specialist
Extensive experience with business legal assistance for self-employed persons and freelancers.
Compare DAS, ARAG & Achmea
We compare all major legal expenses insurers for the best deal.
Member discount possible
Up to 28% discount through ZZP Nederland, trade associations and umbrella organizations.
Close immediately
Calculate your legal assistance online within 5 minutes and take out immediately.
Combine & Save
20-30% discount for combination business + private legal assistance.
Cancel daily
Flexible: can be canceled daily after 1 year with 1 month's notice period.
100% Independent
Independent advice: we do not work for one insurer.
50+ Years of Expertise
More than 50 years of experience in business insurance for self-employed people.
Frequently Asked Questions
Legally Protected as a Self-Employed Person
Calculate your premium within 2 minutes and avoid high lawyer fees!
