Home business well insured

Beginning entrepreneurs often start their businesses from home. This makes sense, because the ideas and skill are there, but the money has yet to start flowing in. Therefore, initially, savings are made mainly on overhead. The shed is promoted to a workshop, the guest room is given the status of storage for the web store and the private car is used for customer visits. Nothing wrong with that as long as there is no trouble. But in case of damage, you can't rely on your private insurance. So even very small business owners have to take out business insurance. That this need not be expensive, you can read here.

Inventory in the attic

A client had her warehouse in the attic of her residence. The online store was running just fine when water damage occurred and she could no longer deliver her orders. The private insurance did not cover the store's inventory so she incurred a substantial loss and nearly went bankrupt. So as a business owner (no matter how small you start out), always make sure you have business inventory and goods insurance. This will protect your business in case of water damage, fire and theft.

Tip: choose an insurance package

ZZP'ers often complain that they need to understand everything to run their business. Sometimes things get forgotten and a small mistake can be very costly. Therefore, choose a ZZP package. These inexpensive packages always include insurance for inventory, liability, legal assistance and, depending on the profession, one or more additional insurances. A ZZP package is easy and inexpensive. Starting at €10 per month, you can be sure that you are well insured.

Don't forget business auto insurance!

Many first-time business owners also use their private car for business. Do convert your private car insurance to business car insurance right away. You will then be insured both if you drive damage while at work and while driving privately. The other way around is not the case. So if you forget to make your car insurance business and something happens to you during work, you are not insured with private car insurance.

Alpina.nl grows with your business

Alpina.nl is an online insurance company specializing in business insurance. We help you choose your insurance policies. And as your business grows, we grow with you. Do you (temporarily) have more stock, or have you purchased a new car? You can tell us online, and your insurance will be adjusted automatically.