There is no universal Dutch package of business insurance that every entrepreneur must buy. The useful question is: which risks can your legal structure, contract, sector or personal finances absorb, and which should be insured?

Common categories to investigate

  • Bedrijfsaansprakelijkheid (AVB): business liability for damage/injury.
  • Beroepsaansprakelijkheid: professional liability; mandatory in some professions and contractually required in others.
  • Arbeidsongeschiktheid (AOV): income risk if a self-employed person cannot work.
  • Legal expenses: business disputes and collection/legal assistance depending on cover.
  • Cyber/data: relevant where digital systems and personal data create material exposure.
  • Inventory/building/vehicle: depending on assets and operations.

Do not confuse private and business cover

A private liability or home policy may exclude business activities. Check policy wording before assuming an existing private policy covers work from home, customer property or professional mistakes.