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8.1
Insurance assessment
AOV insurance for the self-employed

AOV insurance for self-employed people

Request a quote directly for an AOV insurance ZZP!

Finish online
Finish online
14-day cooling-off period
14-day cooling-off period
8.1
Insurance assessment

An AOV insurancedisability insurance is an insurance that ensures that you as an entrepreneur have an income when you become disabled. The government does not pay out any benefits to entrepreneurs. When you, as a self-employed person or an entrepreneur, are unexpectedly disabled for work (by illness or accident), a disability insurance pays out a pre-determined amount as income. The amount of this payment depends on the degree of disability.

AOV insurance for the self-employed

As an entrepreneur, you are responsible for your own income. If you become incapacitated for work as an independent entrepreneur, this can have considerable financial consequences. After all, the costs of your enterprise will continue. As a ZZP'er you are not entitled to benefits from an employee insurance (with the exception of a possible maternity benefit). The term AOV insurance ZZP is no more than the impossibility to perform your work properly or not at all. This can be because you suddenly become physically or mentally ill or have an accident. For female self-employed persons or entrepreneurs, this can also include pregnancy.

The cause of your incapacity for work does not have to be directly related to your work. This also means that the reason (the accident, the illness or the pregnancy) is caused by something outside your work and in your spare time. If you are a freelancer and like to play tennis in the evenings, you always have a chance of getting an injury. When you become disabled due to this injury, an AOV insurance for ZZP'ers is still valid.

In almost all cases, AOV insurance is not valid in case of intent, gross negligence and alcohol or drug abuse. In addition to self-employed persons, director-major shareholders and independent professionals are also entitled to occupational disability insurance.

Is an AOV obligatory as a self-employed person?

In most cases, employees are automatically (compulsorily) insured against the risks of incapacity for work. As a self-employed person, this can mean a considerable financial blow. However, it is not mandatory for a self-employed person to take out an occupational disability insurance. Many entrepreneurs are perfectly capable of handling the financial consequences of short-term disability. Although it is not obligatory, it is advised to take out an insurance in case of a long period of disability, because this can endanger your enterprise.

Why an AOV insurance for self-employed people?

Of course you hope not, but you can become incapacitated at any moment in your life. For example, because you are struck by a virus or bacteria, but also because you have a nasty fall or are injured in a car accident. A salaried employee will simply receive an income during that period because his employer has taken out disability insurance. As an entrepreneur you are responsible for taking out an AOV insurance. Without AOV insurance you will miss a large part of your income, while the fixed costs will continue. Many entrepreneurs have built up a buffer, but this buffer is not unlimited. With an AOV insurance you are assured of an income and you know for sure that you can continue to pay the bills.

Benefits AOV insurance

Taking out an AOV insurance has a number of advantages:

  • With an AOV insurance you are insured for an income in case you become disabled. It is a financial safety net
  • You determine the part of your income that you want to insure up to a maximum percentage (the lower the insured amount, the lower the premium).
  • The insurer provides reintegration assistance
  • The premium of an AOV is often tax deductible

How is the benefit level determined?

He benefit level of AOV insurance is determined by the percentage of disability and, of course, the insured amount. Most insurers that Alpina compares use the following table:

The payment percentage is determined by an independent insurance doctor.
Disability ratePayout ratio
Less than 25%0%
25 - 35%30%
35 - 45%40%
45 - 55%50%
55 - 65%60%
65 - 85%75%
85 - 100%100%

Frequently asked questions about AOV insurance

What is an AOV insurance?

A disability insurance is an insurance that ensures that you as an entrepreneur have an income when you become disabled. With an occupational disability insurance you insure yourself against loss of income.

When am I incapacitated for work?

You are incapacitated for work the moment you are at least 25% restricted to perform your professional activities. With this insurance, you can choose how the disability is assessed.

The degree of incapacity for work is determined on the basis of a percentage. The degree of incapacity for work can be calculated on the basis of a formula that balances the standard wage, earning capacity and residual earning capacity. In short, this calculates the balance between what you earn without being occupationally disabled and what you can still earn when you are (partially) occupationally disabled.

What is the best AOV for self-employed people?

The best AOV insurance for a self-employed person differs per person. An important factor is your profession. An insurer looks at how risky your profession is. A job where you work with dangerous machines or heavy parts is more risky than an office job, because the chance that you have an accident is bigger. As a construction worker you will therefore pay more for an AOV insurance than an accountant, because the risk that you become disabled is higher.

The best AOV insurance can be found by comparing providers. When comparing, do not only look at the premium level, but also at the conditions, such as the waiting period. The waiting period is the period before the payment of the insurance starts. During this period you do not receive any benefits, but you pay the excess. The waiting period also influences the amount of the premium. The longer the waiting period, the lower the premium. Of course, this means that you will have to wait longer for your first payment.

AOV insurance premium and tax

If you are a self-employed person or an entrepreneur, the premium for your AOV insurance is income tax deductible. This premium is deductible in box 1 of the income tax return. The counterpart, however, is that any payments are taxed again.

Take out AOV insurance directly through Alpina

Although taking out an AOV as a self-employed person is not compulsory, it is often wise. Because you are not a salaried employee, you are responsible for paying all the bills of your enterprise. Incapacity for work can be a considerable financial blow to a self-employed person. If you are ill for a long time or have to recuperate, you will miss out on a lot of income, while your fixed costs will continue as usual.

At Alpina.nl you can directly request a quote for AOV insurance ZZP. Based on your personal data, we can make an accurate quote. You can then compare the offer yourself. Do you have any questions about AOV insurance or about requesting a quote? Then please contact us!

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Compare

On Alpina.nl you can easily compare your AOV insurance ZZP. After entering some data, you get an overview of all AOV insurances, including premiums. Besides the basic coverage of the insurance and the amount of the premium, there are other things you can pay attention to when comparing and buying insurance. For example, think carefully about what you do or do not want to insure. How much are you spending monthly on fixed expenses and costs, and what do you need to live on? This will help you determine the amount you want to insure.

Mandatory

At the moment, AOV insurance is not yet mandatory. However, there is talk about making AOV compulsory. In that case you would be obliged to insure yourself against disability as from 2024. In any case, it is wise to insure yourself against disability. The government does not pay out any benefits to entrepreneurs. When you, as a self-employed person or an entrepreneur, unexpectedly become incapacitated for work (due to illness or accident), a disability insurance pays out a pre-determined amount as income.

Costs

What you pay for an AOV insurance for self-employed persons depends on your wishes and your personal situation. Your age and profession play an important role in determining the premium. Especially the riskiness of your profession is taken into account. For example, a 50-year old gardener pays more premium per month than a 50-year old accountant, because figures show that gardeners run a greater risk of becoming unfit for work. In addition, there are a number of factors that influence the costs, such as the insured amount, the excess and the duration of the benefit.

Compare

On Alpina.nl you can easily compare your AOV insurance ZZP. After entering some data, you get an overview of all AOV insurances, including premiums. Besides the basic coverage of the insurance and the amount of the premium, there are other things you can pay attention to when comparing and buying insurance. For example, think carefully about what you do or do not want to insure. How much are you spending monthly on fixed expenses and costs, and what do you need to live on? This will help you determine the amount you want to insure.

Mandatory

At the moment, AOV insurance is not yet mandatory. However, there is talk about making AOV compulsory. In that case you would be obliged to insure yourself against disability as from 2024. In any case, it is wise to insure yourself against disability. The government does not pay out any benefits to entrepreneurs. When you, as a self-employed person or an entrepreneur, unexpectedly become incapacitated for work (due to illness or accident), a disability insurance pays out a pre-determined amount as income.

Costs

What you pay for an AOV insurance for self-employed persons depends on your wishes and your personal situation. Your age and profession play an important role in determining the premium. Especially the riskiness of your profession is taken into account. For example, a 50-year old gardener pays more premium per month than a 50-year old accountant, because figures show that gardeners run a greater risk of becoming unfit for work. In addition, there are a number of factors that influence the costs, such as the insured amount, the excess and the duration of the benefit.

Entrepreneur

As an entrepreneur, you are not covered by employer's insurance. This means that you are not paid when you are ill or disabled. With an disability insurance you ensure that you have an income when you can not work. Disability can be caused by physical or mental illness or an accident, but also for example by pregnancy. The cause of your work disability does not have to be directly related to your work. This also means that the reason (the accident, the illness or the pregnancy) is caused by something outside your work and in your spare time.

Salaried

For someone who is an employee, an AOV insurance is different than for a self-employed person. As an employee you contribute to the social security via your gross salary. If you become disabled and cannot work anymore, you are therefore entitled to a benefit. The amount that you are paid is not as high as the salary that you would receive under normal circumstances. However, it is a part of it, which at least allows you to pay expenses such as rent or mortgage and other fixed costs.

Mortgage

If you become disabled, your fixed costs, such as your mortgage, will continue. If you have no AOV insurance, but are employed, you will be covered by sickness benefit during the first two years. In that case you will receive a sickness benefit which is supplemented by your employer. As a self-employed person this is of course not the case, you can apply for a social security benefit. Disability insurance is not obligatory for a mortgage, but it does provide financial security in the event that you become unfit for work.

Entrepreneur

As an entrepreneur, you are not covered by employer's insurance. This means that you are not paid when you are ill or disabled. With an disability insurance you ensure that you have an income when you can not work. Disability can be caused by physical or mental illness or an accident, but also for example by pregnancy. The cause of your work disability does not have to be directly related to your work. This also means that the reason (the accident, the illness or the pregnancy) is caused by something outside your work and in your spare time.

Salaried

For someone who is an employee, an AOV insurance is different than for a self-employed person. As an employee you contribute to the social security via your gross salary. If you become disabled and cannot work anymore, you are therefore entitled to a benefit. The amount that you are paid is not as high as the salary that you would receive under normal circumstances. However, it is a part of it, which at least allows you to pay expenses such as rent or mortgage and other fixed costs.

Mortgage

If you become disabled, your fixed costs, such as your mortgage, will continue. If you have no AOV insurance, but are employed, you will be covered by sickness benefit during the first two years. In that case you will receive a sickness benefit which is supplemented by your employer. As a self-employed person this is of course not the case, you can apply for a social security benefit. Disability insurance is not obligatory for a mortgage, but it does provide financial security in the event that you become unfit for work.

Request a quote directly for an AOV insurance ZZP!

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Last updated: 09-11-2022

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