AOV insurance for self-employed people in construction

As a self-employed worker in the construction industry, you run a greater risk of becoming unfit for work than, for example, an accountant. After all, on a construction site, a lot of work is done with tools and machines. Also, there is usually heavy physical labour. Partly because of this, the risk of having an accident is much higher when you work as a self-employed person in construction than when you have an office job. Even when you are always careful. An AOV insurance is therefore no superfluous luxury for a self-employed person in construction. With a good AOV insurance you have a financial safety net. This can save you a lot of worries in case you become disabled.

What exactly does an AOV insurance for a self-employed person in construction entail?

An AOV insurance is also known as disability insurance. With an AOV insurance you receive a payment from the insurer when you become disabled. The reason that you become disabled does not necessarily have to do with your work. It can be due to an accident on the work floor, but also due to a car accident or a bad fall with the bicycle. Many entrepreneurs underestimate the risk of becoming incapacitated for work. After all, an accident is just around the corner. Moreover, a virus or bacterium can also cause you to be out of action for a longer period of time. An employee is usually automatically insured for this, but as a ZZP'er you have to take out an AOV insurance yourself. Without AOV insurance you miss a large part of your income, while your fixed costs still have to be paid.

What does an AOV insurance for zzp construction cover?

An AOV insurance covers the loss of income when you become disabled. When you are not able to work anymore, due to an accident or illness, you can appeal to your AOV insurer. You will receive a monthly payment. You choose the amount you want to insure yourself. With this we mean the percentage of your income. Therefore it is important that you look at your normal income and compare it to the amount that you need to cover your fixed costs. Often an AOV is based on 80% of your income. This amount can also be adjusted downwards if you think that less is enough. The premium of your disability insurance will then also be reduced. Some insurers offer the possibility to insure 90% of your income during the first year.

What are the benefits of AOV insurance?

Taking out an AOV insurance has a number of advantages for a self-employed person in the construction industry:

• With an AOV insurance you are insured for an income at the moment you become unfit for work.
• The insurer offers help with reintegration on the shop floor. Especially if you work in construction, good guidance is important, because it often involves physically demanding work.
• You choose which percentage of your income you insure. This can be 80%, but also less. The lower the percentage, the lower the premium.
• An AOV insurance offers you a financial safety net. You do not lose all your savings during the period that you are disabled.
• The premium of an AOV insurance is tax deductible

Take out AOV insurance directly through Alpina

Of course you want to know what you will soon pay for an AOV insurance before you take it out. On Alpina.nl you can request a free, no-obligation quote. You do this by filling in some personal data. Based on this information we can make an accurate quote. Do you have any questions about taking out an AOV insurance or would you like to consult us? Then please contact us! Our insurance specialists will be happy to help you. We can be reached by phone Monday to Friday from 8 a.m. to 6 p.m. at 088 - 6883712.