ZZP without risks
As a self-employed person, you run just as much risk during your work as when you are an employee, maybe even more. So why do many self-employed people fail to have their ZZP insurance in order? Lack of time and money, is usually the answer. But if you do not have your insurance well arranged, it can actually cost you a lot of money. Read here how to arrange your ZZP insurance quickly and cheaply.
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What risks do you run?
- Damage to your business premises
- Damage to your car or someone else's car
- Burglary
- Late delivery
- Liability
- Industrial accident
- Cybercrime
These are a few examples but there are many more. They differ enormously depending on the profession.
Make an analysis
For someone who works in care, the risks are different than for a consultant. Just as standing on scaffolding is not comparable to working from a desk. That is why it is wise to list your business risks. Make a list of all the risks you run in your profession. Then indicate the actual risk of things going wrong for you and what the consequences would be. This is called a risk analysis.
Prevent or insure
You now have a list of everything that can go wrong. That doesn't mean it will! To limit your risk, you can take a lot of preventive measures. Think of things like proper maintenance of your tools and your car. Clear agreements with reliable suppliers. Security for your business premises. And good general conditions that you include in your quotations.
But an accident can happen at any time and not everything can be prevented. That is why there are ZZP insurances. They cover the damage that you cannot bear yourself. And that way you prevent your company from making a loss.
Do an insurance check
There are many insurances to compare online. For the self-employed, there are packages in which the most important self-employed persons insurances are bundled per professional group. They are very advantageous. You can take out additional insurances that fit your risk analysis. Within 24 hours you are optimally insured at a low rate. That's how you become a self-employed person without any risk!
Calculate the premium of your ZZP insurance package directly!
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