Insurance package for self-employed professionals in care

Not by law. The Wkkgz does require you to have a complaints procedure and to be affiliated to a recognised disputes body. Also, care institutions, placement agencies and professional associations almost always require professional indemnity and public liability insurance with a minimum sum insured in their terms. Without a policy schedule you often get no work.

Do not count on it. As a self-employed person you are not an employee, and the institution's policy usually covers only its own staff. Sometimes inclusion is arranged in the agreement; ask for that in writing. Without that confirmation you bear a claim yourself and need cover of your own.

Sometimes, but not as standard. Some care policies pay legal costs in a complaint or disciplinary case within a separate limit, others exclude it or offer it as a module. The measure itself, such as a reprimand or fine, is never paid. Check this point explicitly before you sign.

As a self-employed person you have no continued payment of wages. The options are disability insurance, a safety-net variant, a bread fund (broodfonds) or your own reserves. Watch the waiting period, the end age and the exclusion of conditions you already had when you took out the policy. Physically demanding care work counts in the underwriting and the pricing.