Topics
Protecting your income and your business: disability insurance (AOV), liability cover, health insurance and the Broodfonds.
11 articles
What happens to your income if a fire, flood, or theft forces you to stop working? Business interruption insurance protects your revenue—and it's not the same as disability cover.
26 June 2026 · 7 min read
Insurance & riskDoes a freelancer need cyber insurance? Find out what it covers—data breaches, ransomware, GDPR fines, recovery—and whether you're exposed.
26 June 2026 · 7 min read
Insurance & riskProtect your business gear, inventory and workspace with the right insurance. Learn what's covered, how much it costs, and whether you can deduct it.
26 June 2026 · 8 min read
Insurance & riskShould you get legal expenses insurance (rechtsbijstand) as a freelancer? A guide to what it covers, modules, waiting periods, and when it's worth the cost.
26 June 2026 · 6 min read
Insurance & riskA mandatory disability insurance scheme (AOV) for freelancers is planned in the Netherlands. Learn what it means for your income, costs, and alternatives.
26 June 2026 · 8 min read
Insurance & riskA decision guide to freelancer insurance: mandatory vs strongly advised vs optional, by profession, prioritised on a tight budget.
1 June 2026 · 6 min read
Insurance & riskHow a broodfonds works, what it costs, how it differs from disability insurance, and whether it's the right choice for your situation.
28 May 2026 · 5 min read
Insurance & riskWhat freelancers pay for health insurance, the income-dependent Zvw contribution, and how to budget for both in your tax bill.
26 May 2026 · 5 min read
Insurance & riskWhat general liability insurance covers, when you actually need it, exclusions, cost, and how it differs from professional liability (BAV).
24 May 2026 · 5 min read
Insurance & riskWhat professional liability insurance covers, who really needs it, how much it costs, and why clients often require it before you start work.
22 May 2026 · 5 min read
Insurance & riskWhy freelancers need disability insurance, how AOV works, what you'll pay, and whether the upcoming mandatory scheme will change everything.
20 May 2026 · 5 min read
ZZP Belasting
ZZP Belasting turns your invoices and expenses into a ready-to-file quarterly BTW return and a live income-tax forecast. Built for Dutch freelancers.