Liability
- AVB for injury and property damage
- Professional indemnity for advisory work
- Care, custody and control if you work with other people's property
Complete insurance package for self-employed professionals
A complete package brings the insurance of an established self-employed professional together on one policy schedule. This page shows which parts those are and where each part stops.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
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Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your activities
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
A complete package is not a separate product but a bundle of individual policies with one start date and usually a package discount. The core consists of liability: the public and employers' liability insurance for injury and property damage (Article 6:162 of the Dutch Civil Code) and, if you advise, design or calculate, professional indemnity insurance for pure financial loss.
Around it sits the cover for your resources: tools, machinery, laptop and stock, plus the van or car for which third-party liability cover is required by law (Article 2 of the Dutch Motor Insurance Liability Act (WAM)). If you work at clients' premises, watch the care, custody and control cover for property in your care. That is often missing as standard.
The third layer is continuity: legal expenses cover for contract and debt recovery disputes, business interruption if fire or a breakdown brings you to a standstill, cyber cover in the event of a hack, and a provision for your income during a long illness. Without staff, you are the production capacity yourself; that layer therefore carries a lot of weight.
Independent, personal, sorted quickly
We compare your insurance package across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
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What is in a complete package?
Three blocks that together cover a self-employed person's business.
Your resources
Everything you need in order to do your work.
- Tools, machinery and equipment
- Stock and goods in transit
- Van or car, third-party liability compulsory
Continuity
Keeping going through a dispute, a standstill or illness.
- Legal expenses and debt collection
- Business interruption and cyber cover
- Income in the event of disability
What is covered
| Situation | Basic package | Complete |
|---|---|---|
| Business liability for injury and property damage | Yes | Yes |
| Professional indemnity for advice or design | Provided that | Yes |
| Tools, equipment and stock | Provided that | Yes |
| Legal expenses cover for contract and debt collection disputes | No | Yes |
| Loss of turnover during a standstill after a fire or breakdown | No | Provided that |
| Fines, additional assessments and redoing your own work | No | No |
What is actually covered is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive before you take out cover.
What does your premium depend on?
- Profession and activities: this determines the risk class
- Turnover: the basis for liability
- Sums insured: tools, stock, limits
- Number of parts: more cover, package discount
- Excess: higher risk, lower premium
- Claims history: earlier claims count
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, risk and wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Where a complete package runs into its limits
Two points that make the difference at a claim.
Complete is not the same as everything
Even in the widest package, some things remain excluded. Not covered are intent and wilful recklessness (Article 7:952 of the Dutch Civil Code), fines and additional tax assessments, the redoing or refunding your own work and contractual penalties you have taken on yourself. Tools left overnight in an unattended van are often excluded or limited, and legal expenses cover has a waiting period and does not cover a dispute that already existed when the policy was taken out.
Your described capacity and sums insured must be right
The policy covers only work within the described business activity. If you expand from hands-on work into advice, or start working with staff or subcontractors, report it. On entering into the contract, Article 7:928 of the Dutch Civil Code; an incorrect disclosure can reduce the payout or cause it to lapse (Article 7:930 of the Dutch Civil Code). Also check each year whether the sums insured for tools and stock are still right after any investments.
Frequently asked questions
This is what people ask us most.
What makes this package complete compared with a basic package?
A basic package usually stops at liability and possibly tools. Complete means that legal expenses, business interruption, cyber cover and a provision for your income are included as well. Those are the covers that only start to count when you cannot work for a longer period or have to fight out a dispute with a client.
Is disability insurance compulsory for self-employed professionals?
Not at present. Legislation for compulsory disability insurance for self-employed people is in preparation; check the government website for the current position. Until it exists, you choose for yourself between a regular AOV, a safety-net variant, a bread fund (broodfonds) or your own reserves. Allow for a waiting period and for the exclusion of conditions you already had.
Can I leave parts out?
Yes. A package is a bundle of separate covers. You can switch parts on or off. Weigh up for each part what you can bear yourself. Skipping liability is rarely wise, because injury claims can run on for years. Tools or business interruption cover are easier to do without if your equipment is limited.
Does the cover also apply to work abroad?
Only if the territorial limit allows it. Many policies cover the Netherlands or Europe; work or delivery in the United States and Canada is often excluded. If you work across the border temporarily, report it in advance. Your equipment insurance also has a territorial limit and sometimes extra requirements for storage and transport.
Every situation is different. For these situations we have a separate page.
- Insurance packagesThe main page
- Insurance package for self-employed professionals starting outStarting out, basic cover, expanding
- Insurance package for self-employed professionals in careProfessional indemnity, Wkkgz, income
- Insurance package for self-employed professionals (zzp'ers)AVB, BAV, AOV and business contents
- Insurance package for self-employed professionalsFor sole traders, liability, income
- Insurance for the self-employed through AllianzYour own income, tools, care, custody and control
- Insurance package for self-employed professionals in constructionAVB, tools, your own income
- A package for self-employed professionals: what it does and does not includeSeparate sections, one policy schedule, business activity
Read more
Want to complete your package?
Request a quotation without obligation. We check the cover and the sums insured for each part.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.