No. We are independent insurance advisers and act as intermediaries in insurance only. You open an account directly with a bank or payment institution, and for credit or finance we refer you on. What we do is go through your activities and apply for the cover that goes with them, with an insured capacity that matches exactly what you invoice.

Yes. A sole trader business has no separate assets, so a debt or a claim arising from the business also affects your private assets. A separate account changes nothing about that. It is a bookkeeping separation. That is precisely why business liability cover is no luxury for a sole trader, because an injury claim runs on for years.

For liability, no: acting in the course of a profession is excluded on the private policy. For home contents the same applies to business contents and trading stock. For a car it depends on the use stated on the policy schedule. Always report business use, because an unreported change can lead to a reduced payment under Article 7:930 of the Dutch Civil Code.

As soon as you carry value with you or depend on your own efforts. Tools and equipment call for plant or business contents cover, advisory work for professional indemnity, and being unable to work for income protection. An overview of the usual combinations is at the insurance package for self-employed starters.