Disability insurance ZZP
For ZZP-ers there is no health insurance. This is usually not a problem for short periods of illness; as a self-employed person, you have usually built up a reserve. With a longer period of illness or long-term disability, it becomes a different story. The money runs out and... And then what? Are you going to sell stuff to live, to pay insurance and taxes? Long-term disability can have far-reaching consequences. And before you think “That won't happen to me,” the statistical probability that it does happen to you is between 10 and 12%. In that case, as a self-employed person, you can appeal to the disability insurance zzp.
Is disability insurance for a self-employed person expensive?
Whether something is expensive or not is always subjective. Disability insurance for ZZP-ers comes in all shapes and sizes. Cheaper insurance almost always has limitations in coverage. While the most expensive disability insurance for ZZP-ers may actually be overkill. Therefore, it pays to request quotes and interviews from several insurance companies about your disability insurance.
HeadFirst and disability insurance
Unlike the business and professional liability insurance of HeadFirst, we do not offer a disability insurance. But HeadFirst does endorse the importance of a good and affordable disability insurance for every Independent Professional. Our advice is therefore simple:
- Be well informed by multiple providers of disability insurance ZZP
- Think very carefully about what you want to be able / can do without financially if you are disabled for a long time.
- Compare premiums and coverage levels of different providers of disability insurance ZZP.
- Don't make a hasty choice but do take out disability insurance ZZP. A stupid accident sometimes has a big impact, avoid it!
About HeadFirst
HeadFirst connects Independent Professionals (ZP'ers), Suppliers of professionals and Clients since 1995. Independent professionals and suppliers of professionals offer their expertise to clients through us. And Clients hire all available knowledge from this independent knowledge network through us. Our starting point: the right person in the right place at the right time for the right period. Read more about our wo