Business insurance: what does that mean?

No. There is no product bringing liability, assets, standstill, vehicles and staff together in one cover. Insurers do offer packages in which those policies appear on one schedule, with one start date and often a package discount. Within them the covers and sums insured are still set part by part.

Only third-party liability cover for motor vehicles registered to the business is compulsory by law, under Article 2 of the Dutch Motor Insurance Liability Act (WAM). Beyond that the Netherlands has no general insurance requirement for business owners. Clients, tenders, landlords or a professional body do often set requirements, for instance a minimum sum insured for liability.

Usually not. Personal liability insurance expressly excludes damage arising from a profession or business, and home contents insurance covers business contents and stock only to a limited extent or not at all. If you work from home, report that on your home policies and take out separate cover for the business side.

Start with liability: that is the loss you are least able to carry yourself, certainly where injury is involved. Then add your business assets if you work with equipment, stock or expensive kit. Business interruption and legal expenses follow as soon as a standstill or a legal dispute would hit your turnover directly.