800,000+ customers
92% recommend us
28 branches
Professional indemnity insurance

Professional liability insurance ZZP

Professional liability insurance is extremely important for your financial security as a self-employed person. This is because it insures you against claims for damages from third parties that have come about as a result of erroneous judgments during the performance of your work.

Calculate the premium

Instant online closing.

14-day cooling-off period.

Help from our experts.

Clear, transparent & honest advice for more than 110 years

With knowledge of every industry and a lot of know how, we provide clear, transparent & honest advice.
Based on 3696 reviews 93% recommend us.

We pick out the fine print for you

"Comparing insurance almost always pays off. Premiums may have increased or your personal situation may have changed. That's why we recommend comparing your insurance every year."

photo Bjorn

Bjorn - Expert Insurance

More than 5 years of insurance experience

Background expert photo Bjorn
Background image

All about professional liability insurance ZZP

Professional liability insurance is extremely important for your financial security as a self-employed person. This is because it insures you against claims for damages from third parties brought about by erroneous judgments made during the performance of your work. Think, for example, of giving the wrong financial advice to a company, or making an incorrect diagnosis as a general practitioner. Covering a self-employed professional liability insurance policy gives you just a little more financial security as a self-employed person. Basically, it is not required by law, but it is a requirement for some clients.

Compare professional indemnity insurance for freelancers

There are an awful lot of providers with different policies for self-employed professional liability insurance. This can make it difficult to find the right solution for your specific situation. This is because the cost and coverage required varies greatly by profession. At Alpina.nl , you can easily compare suitable self-employed professional indemnity insurance policies from different providers. This way you can be sure that you have the best possible coverage at a competitive premium. Fill in your details as comprehensively as possible and find the ideal self-employed professional indemnity insurance for your situation.

Please note: A zzp professional indemnity insurance is not a full zzp liability insurance. It does not cover personal injury and material damage caused by you during your activities. To cover damages caused by this, you should take out a zzp business liability insurance.

Why a professional indemnity insurance for zzp?

You have taken the step to start as a self-employed person. You set up your own company and get to work. Business is going well enough for you to break even and after a while you even make your very first profit. Everything turns out for you as you had hoped.

Until you make a mistake... This can happen in any work field .. Imagine that in this situation it is a mistake that cannot be resolved quickly... A mistake that will cost your customer a lot of money or has already cost him a lot of money.... Now you have an angry customer and, as if that wasn't enough, you also receive a claim for damages. The customer is trying to use the claim for damages to recover all the costs incurred as a result of your mistake from you..

To be protected against such claims, there is the professional liability insurance. But why take out this insurance and how do you choose the right one? In this blog Alpina explains it for you.

Difference professional indemnity insurance and AVB

Professional indemnity insurance and liability insurance for companies (AVB) are often mixed up. However, there is a clear difference. A professional indemnity insurance covers only financialcial damage and financial loss.

This is not the case with an AVB. The AVB covers injuries- and property damage. Think about breaking tiles on a building site or getting into a car accident with the company car. You have a car accident with the company car.

For both typesand Do you want to be insured for both types of damage? Then you will have to take out both insurance policies.

What do you need to look out for?

Please pay attention to the following points when you want to take out professional indemnity insurance.


Always check carefully what exactly is covered by your insurance company's professional indemnity insurance. Different insurers may offer different packages. If necessary If necessary, request a quote from several insurers and compare all policy conditions. Keep in mind when an insurance pays out or not. The conditions for payment often differ per insurer..


For which amount are you actually covered? This too can vary from one insurance. Your premium also depends on the amount covered. The higher the amount covered, the higher your premium will be.

Do I need it?

Consider carefully whether you really need professional indemnity insurance. Perhaps this insurance is not so important for your profession.

At Alpina, we always recommend that you consider this insurance when working as a self-employed person. First of all, because of your personal liability in the case of a sole proprietorship. You can go personally bankrupt in case of a substantial damage claim.m.

self-employed person

Avoid annoyance

You may also have provided a client with the wrong information. As a result, mistakes are made and a project stalls. This goes often accompanied by high costs for the client. Because it is your fault, he is going to pass these costs onto u want to recover them from you.

Without professional liability insurance Costs will be at your expense. Do you have this insurance? Then the damage will be reimbursed up to the insured amount from your insurer.

Take out professional indemnity insurance

a couple getting advice from an expert

Get your professional liability insurance from Alpina, easily and affordably

Are you considering a professional liability insurance as a zzp'er taking out professional liability insurance? Then take it out now at Alpina! Thanks to our different modules, you will always find the right insurance for you. If you have any doubts or questions about our professional indemnity insurance zzp? Then feel free to contact at with our customer service. They are ready to answer all your questions.

We can be reached via Chat, Whatsapp, phone or email

Please feel free to contact us if you would like to know more.
We are here Monday to Friday from 08:00 to 18:00.

get in touch