1. Liability Company Liability.
People who privately have taken no liability insurance, usually a little frowned upon. You might just accidentally someone riding his bike on a birthday spilling a bottle of beer on the expensive carpet or overthrow aquarium full of tropical fish. That would just be an expensive affair.
But for an independent entrepreneur is a liability insurance is often a necessity, because there is an accident in a small corner. Visiting a customer's coffee can fall smack on a laptop. Or you stumble and tap the expensive vase in the office of your client down.
In that case, no longer suffice your private insurance. This premium does not include coverage for professional accidents. This kind of accidents is a business liability apply.
This insurance only covers damage you cause to persons and property of others. For a writer, this is more an insurance precaution, but could it be that you once really cup of tea drops from your hands, the financial consequences will be reimbursed.
A mason or someone in the construction works, this risk is much greater. Minor damage cause to the property of the customer is so done.
Even if you as a bricklayer lends tools and this destroys accidentally, you are insured against. Please note that compensation for damage to your own material is not covered by this insurance.
2. Liability: professional.
In addition to the liability insurance is also liability insurance for professionals. So this is not about damage to physical property of others, but of professional misconduct.
Some professions wrong decision or advice, can have far-reaching consequences. Recently, there are in France dozens of trains delivered that were too wide for the French track. Mistake on the drawing board, with too little account was taken of hundreds of old stations.
Or rather a costly mistake of millions of euros, for which you may be held liable as a responsible freelancer. For you have made the calculation error which has ensured that all platforms must be rebuilt at the stations. The professional liability insurance can cover these risks.
Such premium is particularly relevant if you are working in advisory professions, such as financial services or architecture. For a copywriter and mason this insurance in most cases not necessary, though you often need others specific insurance:
- CAR insurance (mason): a mason, the Construction All Risk Insurance (CAR) help. This deck you off almost all construction risks. On a construction site, it is not always immediately clear who exactly should be accountable for any damage or liability. The CAR insures you against damage to a building caused during construction or renovation. You can think of execution errors and defects that become apparent only after a few years, such as cracking.
- Computer Insurance (lyricist): If you frequently work with a client in the office, such as a newspaper editor or a text agency, you do usually make use of the equipment. In that case it may be wise to take out information assurance. This cover your risks that are associated with the professional use of computers, ranging from coverage for physical damage to the equipment to damage caused by viruses or hackers.
3. Legal Assistance.
It always can happen once you are in a legal conflict becomes entangled and professional support needed. In fact, the chances of this ever happening is almost one in three.
The investment in a legal therefore likely to pay itself called a time out. Most legal cases stem from the fact that a customer does not pay : so be careful when taking out this insurance that it also includes debt collection assistance.
Furthermore, a customer may be dissatisfied about the delivered work or you will be dealing with a supplier that is not respecting its commitments. In the case of legal problems with customers or suppliers to cover legal expenses any attorney fees, bailiff's fees and costs. There are freelancers customized legal expenses insurance, which we pay special attention to the increased risk of disputes with customers.
also applies here is that a private legal aid provides no coverage. You must do a separate business insurance exiting. This insurance is required for almost all self-employed, including for copywriters and bricklayers.
A copywriter may encounter next defaulters with a lawsuit for plagiarism, or a trial for slander or libel. For example, a bricklayer can be sued for violating building and environmental regulations.
4. Pension.
When insurance you do not immediately think of a pension , but this 'old-age insurance' also falls into this category. Entrepreneurs have after retirement, after all, are only entitled to state pension and that amount is for most people is not enough to enjoy a carefree old age.
In recent years more and more developments going to let entrepreneurs collectively for their retirement savings. Thus, in different professions ( doctors , physiotherapists , etc.) already talk of occupational pension funds.
The government thinks - because of the enormous growth in the number of self-employed - even after to introduce a mandatory retirement for entrepreneurs. Until then, everyone should regulate itself, however, still this. This can be done in different ways: for example, you can save old-fashioned, but this requires a lot of discipline.
Additionally, you can put aside money by taking out a pension policy with an insurer, said on the retirement the accumulated capital is converted into an annuity.
For writers and masons, it is important to build active retirement. Your retirement may now seems very far away, but no one wants to be forced to sell houses when he stops working once. Especially for a physically demanding profession as a bricklayer is advisable to have well controlled your old age.
If you are rejected for your 67th year of life is it if you can avoid money worries. A copywriter will not be rejected quickly and normally work until retirement age.
5. Disability Insurance (AOV).
Almost every entrepreneur appears to be the dilemma: do I or no disability insurance (AOV) off? The cost is quite expensive and the premium is not mandatory, but accidents do happen.
Should it happen that you can not work due to illness or an accident more, a disability insurance will ensure that you remain entitled to a monthly benefit.
As an entrepreneur you need for that fact does not usually rely on government support; social assistance is the maximum you can fall back on.
The amount in this insurance are lost, largely depends on your age, occupation and the amount for which you want to be insured. If you find too expensive a complete insurance, you can also opt for a basic insurance that covers only very serious conditions.
Whether you're a copywriter or bricklayer: balancing to eliminate this risk, should make every man for himself.
A copywriter is in addition to the general risk of severe disease, relatively few professional risk. A burnout or RSI is still the most lurking.
If you close a disability insurance, make sure that these two diseases are in the policy.
A bricklayer on the other hand is more risk in the workplace. Back problems are common in construction. Heavy increases simply the risk of (chronic) complaints.
For a mason's own risk is the factor of great importance. If you break a leg as a scaffold collapses, you have been quick off for about two months.
Do you have a deductible of six months to reduce the premium, then you will earn two months nothing.
Disability insurance - like all discussed insurance - tax deductible for businesses but for start-ups is financially more attractive to take out disability insurance. This falls in the income tax return under 'premium income provision.