Zakelijk • ZZP • Zakelijke Insurance
Self-employed insurance – essential protection for self-employed entrepreneurs
If Self-employed loopt u risico’s die uw bedrijf, opdrachten and inkomen kunnen beïnvloeden. Denk aan Liability, professional errors, legal disputes, damage to Company assets or damage to goods during own transport. Met de juiste Self-employed insurance you limit your financial impact and can do business with confidence.
Finass Verzekert helps self-employed people with: tailor-made insurance. We vergelijken meerdere verzekeraars and controleren clausules, eigen risico’s and overlap. U krijgt een heldere polisreview and praktische begeleiding bij schade.
Self-employed insurance in brief
The right set of insurance depends on your Industry, werkzaamheden, contracteisen en de waarde van uw bedrijfsmiddelen. Many self-employed people start with one business liability insurance (AVB) and expand with e.g Professional liability (BAV), Legal aid, Inventory & goederen and Own transport.
Frequently chosen combinations
- AVB + Legal aid (basic legal/claims protection)
- BAV (advice/design/IT/financial/consultancy) + Legal aid
- Inventory & goederen + Own transport (tools/materials/stock on the way)
- Bouw & montage (project risk) for construction/assembly/technology (policy dependent)
This page contains no external links. All action points work via anchors and an on-page request block.
Why self-employed insurance is important
Protection against claims
Een schadeclaim van een opdrachtgever or derde kan direct uw liquiditeit raken. Met de juiste aansprakelijkheidsdekking beperkt u dit risico (polisafhankelijk).
Contract requirements of clients
Insurance policies are becoming increasingly common AVB or BAV contractueel vereist. Een passende polis voorkomt discussies bij aanvang van een opdracht.
Continuity of your business
Zonder gereedschap, inventaris of materialen kunt u opdrachten mislopen. Dekkingen voor Company assets en vervoer helpen u snel door te werken (polisafhankelijk).
✔ Coverage tailored to industry and activities
✔ Clear policy review (clauses/deductible/overlap)
✔ Personal advice and assistance in the event of damage
Which insurance policies are suitable for self-employed people?
Below you will find the most common ones Self-employed insurance. Welke combinatie passend is, hangt af van uw werkzaamheden, contracteisen, risico’s en de waarde van uw Company assets.
Liability (AVB)
- damage to persons or property of third parties;
- frequently requested by clients;
- important when working on location or with customers.
Also known as business liability insurance.
Professional liability (BAV)
- financial loss due to professional error/advice error;
- relevant for advice, design, IT, consultancy, financial;
- pay attention to inflow/outflow and claims-made aspects (policy dependent).
Legal aid
- legal assistance in conflicts;
- contracts, collection, liability (policy dependent);
- prevents high lawyer costs.
Inventory & goederen
- tools, equipment, inventory;
- goods/stock (situation-dependent);
- Please note: coverage on location, storage and transport (policy dependent).
own transport insurance
- damage to goods/tools that you transport yourself;
- collision, hard braking, overturning of load (depending on policy);
- important for van/car with materials.
Bouw & montage (CAR)
- project/assembly risks (policy dependent);
- relevant for construction, installation, technology;
- coordinate on project value, duration and subcontractors.
Business trip (individual)
Zakelijke reisdekking is relevant als u reist voor opdrachten, beurzen of projecten. Let op dekking voor medische kosten, bagage/werkapparatuur en Cancellation (polisafhankelijk).
Disability
Inkomensbescherming bij Disability is voor veel ZZP’ers een kernvraag. Keuzes rond wachttijd, uitkeringsduur en verzekerd bedrag bepalen premie en risico.
We help you make a realistic risk assessment.
Self-employed insurance package: bundle for overview and discount
Why bundle?
- one overview for coverage, deductibles and durations;
- less overlap and fewer coverage gaps;
- often package discount for multiple categories (policy dependent);
- clear claims handling and advice line.
What is often included in a self-employed package?
| Element | For whom often relevant | Point of attention |
|---|---|---|
| AVB | Work on location / with customers | Insured amount and description of work |
| BAV | Advice/design/IT/consultancy | Walk-in/walk-out, claims-made (policy dependent) |
| Inventory/goods | Tools/equipment/supplies | Locations, storage, maximum values |
| Own transport | Materials/tools in car/van | Value per trip and maximum insured |
| Legal aid | Contracts, debt collection, disputes | Coverage per module and waiting times (policy dependent) |
Exact coverage and conditions vary per insurer/policy.
Selection help: which self-employed insurance policies do I need?
Step 1: your work
- Do you work on location with customers?
- Do you provide advice or produce designs/reports?
- do you work with subcontractors or staff?
Step 2: contract requirements
- What insurance does the client require?
- what minimum insured amounts?
- requirements regarding entry/exit or additional clauses?
Step 3: assets
- what is the value of your inventory/tools?
- Do you transport goods or materials in your own vehicle?
- Do you have stock or demo equipment?
Frequently asked questions about self-employed insurance
Which self-employed insurance policies are the most important to start with?
Many self-employed people start with one business liability insurance (AVB). If u adviseert, ontwerpt, programmeert of financiële diensten levert, is Professional liability (BAV) often (contractually) relevant. Legal assistance can help with contract and collection disputes.
What is the difference between AVB and BAV?
AVB mainly concerns damage to persons or property of third parties. BAV looks up more often financial damage door een beroepsfout, bijvoorbeeld een adviesfout or ontwerpfout. Welke dekking u nodig heeft hangt af van uw werkzaamheden en contracteisen.
Does my car insurance also cover my tools or materials in the van?
In veel gevallen is het voertuig verzekerd, maar de goederen or het gereedschap in het voertuig niet automatisch. Een own transport insurance and/or coverage for inventory/goods may be appropriate (depending on the policy).
Can I combine multiple insurance policies in one ZZP package?
Yes, bundling is often in one Self-employed insurance package possible. This can provide an overview, reduce overlap and in some cases provide a package discount (depending on the policy).
What information is needed for a no-obligation proposal?
Usually we have enough:
- industry and work description;
- contract requirements of clients (if any);
- turnover indication and desired insured amounts;
- value of inventory/tools and whether you transport goods yourself;
- damage history (if applicable).
Are there mandatory insurance for self-employed people?
Dit verschilt per beroep/branche en contract. Soms zijn Insurance niet wettelijk verplicht, maar wel contractueel vereist. Wij helpen u dit praktisch te beoordelen op basis van uw opdrachten en risico’s.
Request advice or proposal without obligation
Fill in the details below. This is one on-page request block zonder externe links. Uw beheerteam kan dit formulier eenvoudig koppelen aan een interne route (bijv. mail/CRM) or vervangen door jullie eigen formuliermodule.
Contact details
Would you prefer direct contact?
Call 072 – 509 24 56 or email info@finassverzekert.nl. We nemen uw situatie door en adviseren welke Self-employed insurance passen bij uw branche en werkzaamheden.
- brief description of activities and industry
- contract requirements client (if present)
- turnover indication + desired insured amounts
- value of tools/inventory + transport (car/van)
Coverage, limits and acceptance are insurer and policy dependent.
