Now that the lockdown is easing again, many entrepreneurs' hearts are beginning to itch again. They see a future again and are starting a business or making a relaunch. But what insurance policies go along with that? And are there any mandatory insurances?
Protect your business
Whether you own a business, are self-employed or employed, everyone has mandatory health insurance. In addition, you must have third-party insurance for a vehicle. All other insurances are not mandatory. So you can never be fined if you decide not to take out business insurance . But doing business is taking risks. And so it is wise to think carefully about which insurances protect you and your business.
Provide a good foundation
At Alpina, we help you make the right choices. Because for most companies, it does make a lot of sense to have at least some basic insurance. In the event of fire or personal injury, the damage can sometimes amount to hundreds of thousands of euros. If you cannot pay this, the survival of your business is at risk. Clients also often make liability insurance a condition of the assignment.
What kind of business do you have?
It is important to take stock of what you do and where you are at risk. The following items are important to determine which insurance policies are important to you:
- What business activities?
- Mobility; from courier bicycle to truck, from tractor to limousine
- Property and equipment; premises and inventory
- Staff
- Secure income?
As you can imagine, a lawyer faces very different risks than someone with a construction business. The lawyer does not have expensive supplies and machinery but does run the risk of giving wrong advice. Therefore, he or she would be wise to purchase professional liability insurance. For the construction company, the workshop is indispensable, so it should be well insured, as should the fleet of vehicles with the job buses, trucks and forklifts. Also, CAR (Construction All-Risk) coverage is actually indispensable for a construction company.
You and your staff
For yourself or your staff, you can take out disability or absenteeism insurance in addition to health insurance. Moreover, pension insurance is a good choice if you want to enjoy your old age with peace of mind later on. But of course it's not that far yet!
SME and ZZP package
You can take out all your insurance policies online. That's easy and fast. To help you find your way through the forest of insurances, we have put together handy SME and ZZP packages. These bundle the most important insurances per professional group. Then you know for sure that you are well insured for little money. Moreover, you can expand the packages as much as you want.
Online insurance specialist Alpina
Don't put off your insurance. Because an accident is in a small corner, but can have major consequences. For personal contact, we can be reached during office hours at 088-688 3712
