Freelancers admit that they have their private insurance sorted out better than their business insurance.
Freelancers admit that they have their private insurance sorted out better than their business insurance. That applies especially to start-up freelancers; one third of them do not feel that they have taken out the most important insurance products needed for their business. This compares with 11% of small and medium businesspeople and 19% of established freelancers. This emerged from a survey carried out by Intomart/Gfk and commissioned by the insurance provider Delta Lloyd.
Legal support is more important for the freelancer
The top four most important insurance products are the same for small and medium businesspeople and freelancers; only the order in which they come differs:
- Small and medium businesspeople consider insurance products for professional liability (86%), incapacity for work (84%) and fire and professional damage (80%) to be the most important.
- Freelancers also consider the insurance products mentioned above to be important but they attach the most importance to legal support insurance (73%).
Start-up small and medium business people insure against more risks than freelancers
Across the whole range, small and medium businesspeople have taken out more insurance products than freelancers. This is possibly linked to the increased risks associated with employing staff. Thus small and medium businesspeople have insurance products for liability, incapacity for work, fire damage, accidents, legal support, business materials, sickness absence and death.
No sense of urgency in taking out insurance products
It emerged from the qualitative interviews that businesspeople, especially during the start-up period of their business, did not take out any additional insurance products. The AOV1 state pension and the private pension are often in the forefront. Above all the high costs of an AOV pension constitute a watershed, even though businesspeople are aware of the financial risks that incapacity for work can entail. 22% of start-up freelancers have taken out an AOV pension. 42% of established freelancers have done so, and that figure reaches 60% for small and medium businesspeople.
The ‘Eigen Baas' (Own Boss) Package
In May, Delta Lloyd, as an expert insurance provider, introduced the Eigen Baas (Own Boss) package for freelancers. Delta Lloyd is the first insurance provider to offer a package for this target group to include not only business damage insurance but also (banking) annuity, a start-up AOV pension and death benefit insurance. In addition, businesspeople receive an attractive discount if they also take out the MKBPlus Mortgage. The Eigen Baas (Own Boss) Package is already available from €53 a month.
-ends-
1 Algemeen Ouderen Verbond - the "General Elderly Alliance" provides what is approximately the equivalent of a top-up state pension in the Netherlands.