Zzp insurance: these are the ones you need

Working as a freelancer offers many advantages, but it also requires some attention. That includes zzp insurance. Because being carefree freelancer means covering risks. As a professional, you can insure yourself for the coverage you need through Alicia Benefits. We tell you which insurances are included.

Professional Liability

Professional liability insurance ensures that you are not alone if a client suffers damages due to your professional error. Anyone can make mistakes, even specialists in the profession. Think wrong advice, an incorrect calculation or a mistake in execution.

As a zzp'er this can cause problems for and with the client. For such professional mistakes, professional liability insurance covers financial losses. In fact, the costs can be high, often due to a combination of damages. Not only costs to correct the mistake, but also reputation damage and lost profits can make the amount rise significantly.

Business liability

Business liability insurance protects you if you are liable for damage to someone else's property or injury to someone. Things can always go wrong accidentally during zzp jobs, causing the client to incur expenses. Because of property or personal injury damage, this insurance is more tangible than the above. This insurance is not mandatory, yet many clients require it from their freelancers. This is because the cost of damages can be high and cause unpleasant situations between you.

Accident insurance

An accident is in a small corner, even for freelancers. Besides the unpleasant physical and mental consequences of an accident, the additional costs can also be high. Accident insurance provides financial support if you become permanently disabled or even die in an accident. For example, you can also receive compensation for each day you are hospitalized as a result of an accident.

Disability

In addition to the above accidents, you may also find yourself temporarily out of the running. With disability insurance, you get monthly benefits for up to 2 years in case of temporary disability. You will also get help from the Occupational Health and Safety Service to get back to work as soon as possible. This concerns 100% disability. The benefit depends on your age and how much you earned on average in the previous 3 months.

Cyber risk insurance

With the ever-expanding role of technology in work, cybercrime is becoming more common. Cyber risk insurance protects you from the consequences of such things as cyber attacks, hacking, system intrusion, data theft and more. If you as a professional or your IT environment become a victim of this, you'll get help from specialists and be covered for liability and recovery costs.

Business travel insurance

Many professionals have to make business trips. Things can also go wrong while traveling, such as lost luggage, a cancellation, or an accident requiring medical attention. This insurance will assist you if something goes wrong while traveling for work, whether abroad or in the Netherlands.

Getting Started

At Striive, we think it's important that you, as a freelancer, can focus on your core business. That is why we like to take the practical matters off your hands and offer total solutions. With our partner Alicia Benefits, you no longer have to worry. Do you have your affairs in order? Do the check and see the 5 biggest pitfalls for freelancers here. Want to know more about freelancer insurance? Then contact us or check out the Striive Solutions Hub by logging on to Striive.com