What are compulsory ZZP insurances?
Are you just starting out as a ZZP? Then you may be wondering which ZZP insurances are mandatory. We can be brief: no ZZP insurance is legally required. However, a client or supplier may require certain ZZP insurances. This does not only apply to ZZP'ers, but also to SMEs and large companies. This is because they want to prevent the risk from becoming too great for them. After all, if you as a ZZP'er make a mistake, but cannot meet the costs involved, this also has adverse consequences for the client. Which ZZP insurance you take out remains your own choice. On Alpina.nl we will tell you more about ZZP insurances.
ZZP insurances not obligatory, but sensible
The fact that ZZP insurances are not obligatory does not mean that it is wise not to take out any insurances at all, because as a starting entrepreneur you want to insure your company as well as possible. Because of the large offer in insurances, many entrepreneurs find it difficult to determine which ZZP insurances they really need. When choosing insurance, it is therefore important that you determine which risks you want to insure. You do not have to insure all risks. Some risks you may be able to bear yourself, because you have the financial means to do so. Which risks you can best insure yourself depends on your business, your financial strength and the sector in which you operate.
Which insurances do I need as a self-employed person?
As a self-employed person, you have to take various risks into account. Not only will you probably have to deal with various stakeholders, such as suppliers and debtors, but an accident can also happen at any time. As a self-employed person, it is good to be well insured, because you will naturally have to pay for all the costs yourself. Which ZZP-insurance you can take out depends on your profession and your personal situation.
At Alpina.nl you can take out a ZZP insurance package. This includes a standard Business Liability Insurance. With this you are insured for liability damage caused during your work. For example, if you as a painter drop a pot of paint on a customer's beautiful wooden floor. In addition, professional liability insurance also comes in handy. This insures you for financial damages suffered by your client due to professional misconduct for which you are liable. For example, if you as a communications consultant give the wrong advice to the client, with dire consequences. Furthermore, you can further supplement your ZZP insurance with, for example, business legal expenses insurance or director's liability insurance.
Take out your ZZP insurance directly through Alpina!
At Alpina.nl you can easily calculate the premium for your ZZP insurance. After entering a number of details, insurance policies tailored to your needs will appear, along with the corresponding premiums and policy conditions. You choose which ZZP insurances you want to take out. Once you have found a suitable insurance you can take out a policy directly online. Are you having problems or do you have any questions? Then you can of course always reach us by phone at 088 - 688 37 12. We are happy to help you!
See also
- As a self-employed person, do I need to take out business legal assistance insurance?
- Is liability insurance mandatory for a self-employed person?
- Which insurances do I need as a self-employed person?
- What does a ZZP insurance cost?
- What does AVB insurance cover?
- The 10 most important insurances for starting entrepreneurs
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