1. Disability (AOV)
Really nice to have been prior to the start of your company on this black scenario thinking is not natural, but it is very important to take a good arrangement for disability . Should you be unable in the future (temporarily) to work, you have after closing a good disability insurance for a certain period be entitled to a monthly benefit.A common complaint of many independent professionals that AOV's typically quite expensive. That's right, although the actual cost depends largely on your age and occupation, the industry in which you work and the amount for which you want to insure. There are freelancers which because of high premium costs go for a collective insurance at a trade association or their insurer knowingly basic conclusion that covers only very serious diseases (cancer, MS, etc.).
Temporary disability as a broken arm or leg does not fall under it. Tip: If you personally can put aside some money, it is also an option to choose a disability insurance which only begins to pay money when you are out of the running at least six or twelve months.
2. Liability
As a freelancer there are two forms of liability for which you can insure good in most cases. Professional liability applies to a wrong decision given by you, advice or action performed with far-reaching consequences. In this example, you can think of a ICT'er caused a system crash when his client accidentally, causing the software stops working. An annoying situation where you - how good your intentions were - can be held liable as a freelancer. With professional indemnity insurance to cover such risks. Such insurance is particularly interesting when you go to work as legal or HR consultant, IT consultant, architectural designer / draftsman or interim manager.With a business liability insurance you are insured against damage that you or your employees harm to others. Think of injury in an accident or, for example by the provision of a defective product. A private liability insurance is in that case not enough. Incidentally, you can also cover your liability as an employer with this insurance.
3. Goods and inventory insurance
A fire, burglary, heavy rain or big autumn storm can cause a lot of damage to your stored stock or inventory. This situation (and cleaning up the mess) shall continue to be tedious, but if you have a good freight and inventory insurance has ended, you remain in this case, at least not left with empty hands. Please note that an important condition for most insurers is hereby note that your property is adequately protected.4. Term life insurance
You want, of course, would rather not think about, but you will die. Do you have in that area already good arrangements for any survivors? With life insurance, you are sure that income for the survivor (s) shall be completed for some time. A term life insurance provides a lump sum upon your death. Your survivors then have sufficient capital to bear the financial burden and to continue to live as they used to.It is also possible to only arrange something for the first difficult period after a death. A first - tijdelijke- financial bridging so for the survivors. Click here for more information about the possibilities of Interpolis Life Insurance at Rabobank.
5. Pension
For many independent professionals dangles think about building retirement sometime down the daily to-do list. Yet it is advisable to consider all good now about your old age, even if you're just early thirties and has just set up his own company. These entrepreneurs have only entitled to after their retirement retirement and that is for most people is not enough to continue to enjoy carefree old age.To supplement their state pension, choose some choose to turn into a health care provider for a pension . Fashioned each month itself put an amount aside in the bank is also possible, but this requires - especially in times of economic downturn - have the necessary self-discipline. Read more about can assure you as a freelancer for a good pension .
6. Business Car Insurance
It's a wonderful moment when you make your first company car (with printed company logo picks up on the side) at the dealership. However, it may happen that you with your vehicle becomes sooner or later involved in a collision. Whether your van is stolen. The damage is often limited in these cases. Should one of the parties injured in the accident, the damage can walk all the way into the papers.If you often have the way for your work, is taking out a good insurance movement therefore important. With a good insurance, you can not just cover the risk to passenger and commercial vehicles, but also for trucks, trailers and operating equipment. You then not only insured property damage, as well as personal injury and liability for damage to third parties. Starter tip: Interpolis ZekerVanJeZaak® is a convenient package that allows you to secure key business risks at once, including a business car insurance.