Complete insurance package for self-employed professionals

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.

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.

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.

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.