Liability insurance for self-employed persons

As a self-employed person, it is wise to take out liability insurance. As a self-employed person, you will, more than once, run into situations that may cause damage to third parties. Taking out ZZP liability insurance is a good way to cover yourself for unexpected situations. Liability insurance for self-employed persons covers the financial consequences of your wrongful actions. Damage to persons and goods and the damage resulting from this.

You are also insured for damage caused by a trainee or temporary worker employed by you.

Is my private liability insurance valid as a ZZP worker?

As a self-employed person, it is necessary to insure yourself against daily risks. When taking out an insurance policy, the first thing people often look at is the amount of the premium and then the coverage. Yet the coverage is very important. You will find out when damage turns out to be outside the cover.

Private insurances do not provide coverage for your work as a ZZP'er. Your private liability insurance is therefore not valid for your work as a ZZP'er.

Why liability insurance as a self-employed person?

An accident is a small thing and can have major consequences for you as a self-employed person. It is difficult to estimate the amount of the damage claims in advance. The amounts can run up to capital sums that are almost impossible to bear for a small independent worker. With a ZZP liability insurance you are insured for these costs.

Construction liability insurance

Naturally, you strive to do your work as well as possible and to deliver the highest possible quality. Sometimes things go wrong or things happen that you did not take into account beforehand. For example, you may deliver a project too late or the delivered product may not meet the client's expectations. In this case, you can be held liable for the damage. This can have financial consequences as well as consequences for your reputation. As a self-employed person, you can (largely) prevent this with ZZP liability insurance.

Liability insurance for healthcare

Liability insurance for self-employed persons can also be a solution when you work in the care sector. As a care provider, you want to provide good care without having to think about the possible risks. With liability insurance, these risks are covered, so you can practise your profession carefree.

What does liability insurance for the self-employed cost?

The costs of a liability insurance for ZZP'ers are tax deductible. As a result, you are insured for liability for a relatively low amount.

It may be that the insurer applies an excess per event. Each insurer applies its own conditions. The insured amount may also differ per insurer. We therefore always refer you to the specific conditions.

Compare your ZZP liability insurance

You can easily calculate premiums via our website. After entering a few details, a number of insurance policies with the corresponding premiums and policy conditions will appear, tailored to your needs. You can compare these. If you have found a suitable insurance, you can take out the policy immediately. Are you having problems or do you have any questions? If so, you can always contact us by telephone on +31 (0)88 - 688 37 12. We will be happy to help you.