Insurance package for self-employed professionals
As a self-employed professional you have no department to arrange this. A package brings together the four things you really need, without you having to take out four policies.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
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 self-employed package bundles the sections a sole trader needs: liability (AVB and, where needed, BAV), tools and business contents, legal expenses with debt recovery, and often some form of income protection.
The main consideration is not the discount but whether you include disability cover. For a self-employed person that is usually the largest financial exposure.
This page deals with one part. The overview of all parts is on the main page on business insurance.
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.
Insurance package
Compare
Get coveredWhy 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.
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.
What to look out for
AVB and BAV are not the same
If you work with your hands, the AVB is the basis. If you advise or design, it is the BAV. Many self-employed professionals need both.
Debt recovery is the most used section
Unpaid invoices are the most common legal problem for a self-employed person. The debt recovery module often pays for itself.
Tools in the van
That is covered neither by your motor insurance nor by your home contents insurance. Goods-in-transit cover is the answer.
Income if you cannot work
Disability insurance (AOV) is expensive but not a luxury. Look at the definition of incapacity and the waiting period before you compare on premium.
What determines the premium
- Profession and risk class
- Annual turnover
- Sections chosen
- Sums insured
- Excess and waiting periods
This information is general in nature and is not personal advice. What is actually covered, including exclusions and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover.
Frequently asked questions
What is in a self-employed package?
Usually liability, tools and business contents, legal expenses with debt recovery, and optionally income protection.
Do I need an AVB or a BAV?
If you work physically and on site, the AVB. If you advise or design, the BAV. In engineering, IT and construction supervision, often both.
Is disability insurance part of the package?
Sometimes, as a separate section. It is the largest item, but also the largest exposure for a self-employed person.
Are my tools in the van covered?
Only with goods-in-transit cover. Your motor insurance covers the vehicle, not the contents.
Every situation is different. For these situations we have a separate page.
- Insurance packagesThe main page
- Insurance package for self-employed professionals (zzp'ers)AVB, BAV, AOV and business contents
- SME insurance packageAll sections, one policy, package discount
- Insurance package for self-employed professionals starting outStarting out, basic cover, expanding
- Complete insurance package for self-employed professionalsLiability, equipment, continuity
- 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
- Insuring a car without no-claims yearsStarting position, building up, alternatives
- Insuring a second carNo-claims years, second-car arrangement, regular driver