Smartly insured, carefree business: which insurances do you need as a consultant?
As a digital entrepreneur, you don't want to waste time with unnecessary paperwork - but at the same time you want to be well protected against risks that could affect your business or your private assets. Are you thinking: "I have a company, everything is regulated, right?" Think again. Smartly insured carefree business starts with smart insurance. At Bookies, we make it simple. We list what you really need as an entrepreneur in terms of insurance, what is handy to have and what you can safely park.
Well insured as an entrepreneur; Insurance for your company
Need to have:
- BA Enterprise (professional liability)
This insurance protects you if your advice or work causes damage to third parties. Not legally required for consultants, but often contractually required. Especially if you work with larger clients, so you can do smart and worry-free business insured. - Workplace accident insurance
Do you employ staff? If so, it is a legal requirement for your company. It covers accidents while at work or on the road. - Car insurance in the company's name
Is your car in the name of your limited company? Then you must take out BA insurance. Add comprehensive, legal assistance or breakdown cover depending on your use.
Nice to have:
- Cyber insurance
Do you work digitally? Then this insurance is really no luxury for smartly insured carefree business. It covers damage to your business in case of hacking, data leaks or ransomware. Protects both your data and your reputation. - Insurance tax audit
Do you ever get audited by the tax authorities? This insurance takes care of the cost of assistance from your accountant or lawyer. A valuable insurance for any entrepreneur. - Legal aid
Disputes with customers, suppliers or the tax authorities? This insurance pays legal assistance and court costs. - Property damage insurance
Does your company have an office or expensive IT infrastructure? Then it pays to protect your equipment in case of fire, burglary or water damage.
Well insured as an entrepreneur: Insurance for you as a business owner
Need to have:
- Guaranteed income
What if you fall ill or have an accident? This insurance provides a monthly payment so you won't suffer any financial blows privately. This makes it smartly insured and worry-free business. - IPT (Individual pension commitment)
Build up a tax-efficient pension through your company. You save and pay less corporate tax. Plus: you can use it for real estate financing. - VAPZ (Independent supplementary pension for the self-employed)
Combinable with an IPT. You save through your social status, and it is tax deductible in personal income tax. Low-threshold and smart. - Hospitalisation insurance
Hospitalisation is always inconvenient. This insurance will catch you in case of high medical expenses.
Nice to have:
- Private accident insurance
Extra cover for accidents outside work, e.g. while playing sports. Especially if you are active outside working hours. - Death insurance (debt balance insurance)
Protects your family in the event of death. Especially interesting if you have a home loan or are the sole breadwinner, so you can stay smartly insured carefree.
Conclusion: ensure what matters
You really don't need to insure everything. But you do want to choose smartly. Think in terms of risks: what could really go wrong, and what would be the impact on your business or family?
At Bookies, we like to help you with that. No sales pitches - just clear information and the right connections with insurance partners who understand how you work. With our help, you are smartly insured and can do business carefree.
Smartly insured = worry-free business.
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