Is your company properly insured?
Every business is unique; not everyone needs the same insurance. Therefore, first map out all the risks of your business.
Do you have real estate, vehicles, machinery, employees? What if you, the managing director, fall ill or victim to an accident? What if you or your employee injure a customer or damage their property?
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Mandatory insurances
Professional liability
This insurance is mandatory for a number of intellectual professions, such as architects, real estate agents, accountants… Even if you are not required to take it out, for example as an IT consultant, it is still very useful to have.
Car insurance
Do you have a company car? Any vehicle with a license plate travelling on public roads must have a car insurance. This insurance covers damage you cause to third parties.
Occupational accident insurance
Do you have employees? Then an occupational accident insurance is mandatory. What needs to be insured, is defined by law. This insurance must be in place before your employee starts his service.
Must-have insurances
Directors’ liability insurance
As a managing director, you have a lot of responsibilities. For everything that happens within your company, you are viewed as the responsible one. With the directors’ liability insurance, you protect yourself and your personal assets against financial claims for damages from third parties holding you liable.
Cyber insurance
Despite the high risks of cyber attacks, many companies do not have cyber insurance. Did you know that you are more likely to fall victim to a cyber attack than to a fire? Cyber insurance protects your business from the financial hangover that cyber attacks, viruses and data breaches can bring on.
Legal aid insurance
This insurance intervenes in disputes that may arise, for example with suppliers or customers. If no amicable settlement is possible, they will pay your lawyer’s procedural costs and fees if it is a covered dispute.
Fire insurance
Not always mandatory, but always indispensable. Do you own or rent property? Then it is important to insure the building and its contents against all kinds of risks, such as fire damage but also water and electricity damage.
Hospitalisation insurance
Avoid unexpected and high costs after hospitalisation and take out hospitalisation insurance. You can also offer this to your employees.
Life insurance
To protect your future and retirement as an entrepreneur, you can take out a couple of life insurance policies. After all, the statutory pension for the self-employed is not particularly high. Or what about your next of kin if you suddenly pass away?
Income insurance
As an entrepreneur, your income isn’t guaranteed. Income insurance protects you if you can’t work due to illness or an accident. It can also cover lost business revenue, helping you stay afloat while you recover. Because without income, there’s no business.
Accident insurance
For employees, there is the occupational accident insurance, but what if you, the managing director, have an accident?
It’s not always easy to navigate through all the possibilities.
Let an insurance broker assist you to look for the best solutions together, suitable for you and your business.