Straight away at the start
- Public and employers' liability (AVB)
- Professional indemnity for advisory work
- Third-party liability for your business vehicle
Insurance package for self-employed professionals starting out
As a starter you do not have to insure everything at once. Begin with the risks you cannot carry yourself and expand as soon as your turnover, equipment or order book grows.
- 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
For a self-employed person starting out, the order matters more than the number of policies. Begin with liability. A public and employers' liability insurance covers injury and property damage you cause to someone else (Article 6:162 of the Dutch Civil Code). That is the loss that most quickly exceeds what a new business can absorb, and many clients require this policy in their terms.
If you advise, design or calculate, you need professional indemnity insurance from day one: that covers pure financial loss, and an AVB does not. If you work with tools, equipment or a laptop, plant cover belongs alongside it. If you drive for business, the statutory third-party liability requirement applies to each vehicle (Article 2 of the Dutch Motor Insurance Liability Act (WAM)).
What can often wait: business interruption, cyber and extensive legal expenses. But do think straight away about your income during a long illness, because as a starter you have built up little buffer.
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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Where do you start?
Three steps from starting cover to a full package.
As soon as you invest
As soon as you work with your own equipment or stock, the risk grows with it.
- Tools, laptop and equipment
- Stock and goods in transit
- Care, custody and control for work on site
As you grow
Cover that only starts to count when a standstill or a dispute affects your turnover.
- Legal expenses and debt collection
- Business interruption and cyber cover
- Income in the event of disability
What is covered
| Situation | At the start | Extend later |
|---|---|---|
| Business liability for injury and property damage | Yes | Yes |
| Professional indemnity for advice or design | Provided that | Yes |
| Tools, laptop and equipment | Provided that | Yes |
| Legal expenses cover for contract and debt collection disputes | No | Yes |
| A provision for your income during illness | Provided that | Yes |
| Business interruption while at a standstill after a fire | No | Provided that |
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
- Expected turnover: the basis for liability
- Sums insured: tools and equipment
- Number of parts: separate policy or package
- Excess: higher risk, lower premium
- Working area: the Netherlands, Europe or wider
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.
Two pitfalls for starters
What self-employed people starting out most often run into.
Your private policies do not cover your work
Personal liability insurance (AVP) expressly excludes loss arising from a profession or business. Your home contents insurance does not cover business tools and stock either, or only to a limited extent, and a private motor policy may object to intensive business use or the carriage of goods. If you work from home, report that to your home insurer. Without that notification, a claim can lead to a dispute about the duty of disclosure under Article 7:928 of the Dutch Civil Code.
Read the exclusions before the first assignment
Starter policies have the same limits as any other: no cover for intent and wilful recklessness (Article 7:952 of the Dutch Civil Code), not fines or additional tax assessments, and no payment for redoing your own work. Legal expenses cover has a waiting period, tools from an unattended van are often excluded, and work outside the policy territory falls outside the cover. Report a claim as soon as reasonably possible (Article 7:941 of the Dutch Civil Code).
Frequently asked questions
This is what people ask us most.
Which insurance do I really need as a start-up?
Public and employers' liability insurance is the starting point for almost every self-employed professional, and for advisory or design work professional indemnity insurance is added. If you drive for business, third-party liability cover is required by law. The rest depends on your equipment and on how long you can manage without income. Beyond that third-party liability cover, nothing else is legally compulsory.
Do clients require insurance?
Often yes. General terms or hire agreements regularly contain a requirement for liability insurance with a minimum sum insured per event. Ask for that requirement in advance, so that the limit and the described capacity on your policy match it. You can usually send a policy schedule the same day.
Can I start small and expand later?
Yes, and for most starters that is sensible. Begin with liability and the equipment you really need. Add legal expenses, business interruption or cyber cover as soon as your turnover, client base or dependence on systems grows. Report changes as they occur, otherwise the cover no longer matches your work.
What do I arrange for my income if I fall ill?
As a self-employed person you build up no right to continued payment of wages. The options are disability insurance, a safety-net variant, joining 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. The earlier you arrange this, the more generous the underwriting usually is.
Every situation is different. For these situations we have a separate page.
- Insurance packagesThe main page
- Complete insurance package for self-employed professionalsLiability, equipment, continuity
- 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
- Insurance package for self-employed professionals in ITBAV, cyber, equipment
Read more
Just started as a self-employed professional?
Request a quotation without obligation. We will work out suitable starting cover with you.
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.