Get going right away with our free Business Insurance Pro check-up tool, offered to you in partnership with AXA.
"}},{"componentType":"sectionTitle","title":"Which policies are absolutely essential?"},{"componentType":"paragraph","richBody":{"value":"Depending on your sector, the following 4 types of insurance will definitely need your consideration:
1. Civil liability insurance
Making mistakes is part of being an entrepreneur. Fortunately, with civil liability insurance you won’t have to foot the bill yourself, like when you accidentally damage a customer’s expensive laptop (you can knock over a cup of coffee faster than you think). This insurance will protect you in case of damage to third parties and will look after you if you are liable.
There are 4 types of civil liability insurance for the self-employed:
2. Third-party liability car insurance
Do you use your vehicle both privately and professionally, for example to drive to suppliers or customers? Make sure your insurance covers ‘professional use’. Do you have a company and own several vehicles? If so, get your fleet properly insured based on the type of vehicles: lorry, car, van, etc. And register your company as the policyholder.
3. Objective fire and explosion liability insurance
Are your premises open to the public, e.g. a café or shop? If so, you should definitely consider this useful insurance. Objective fire and explosion liability insurance covers damage caused by a fire or explosion on your premises even if you were not at fault.
Picture this: a fire, caused by a faulty installation, spreads at lightning speed to the adjacent premises. Or a gas explosion damages your shop and surrounding buildings. With your objective fire and explosion liability insurance, you will prevent unexpected disasters from crippling you financially and can therefore keep running your business with peace of mind.
4. Work-related accidents insurance
Imagine that one of your employees gets injured during working hours. Without work-related accidents insurance the costs will quickly mount up. That makes this insurance an absolute must. It offers a neat way for you to settle medical expenses, temporary and permanent incapacity and even death due to work-related accidents. So, you can continue to back your team with peace of mind, knowing they are well protected even in the event of unexpected setbacks.
Reminder: although as a self-employed person you are not required to take out insurance for yourself, it is an excellent move for you too!
"}},{"componentType":"sectionTitle","title":"Not required, but extremely useful insurance"},{"componentType":"paragraph","richBody":{"value":"Mandatory insurance ticked off? Here are a few more smart options:
Want to know which policies are important specifically for you? Then get going with the free, no-obligation Pro check-up. You will then receive a personalised overview of all the necessary policies, completely tailored to your activities.
"}},{"componentType":"highlight","richBody":{"value":"Would you like to find out more?
Discover more useful tips and start-up facts for your entrepreneurial adventure on our website.
"}},{"componentType":"cta","textLink":{"url":"/en/business/starters/starterspackage-current-account","text":"Set your business up for success"}}]},"complementaryZone":{"flexComponents":[{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"5 golden tips to improve your work-life balance as an entrepreneur","intro":"From guarding your boundaries to quality time.","image":{"transformBaseUrl":"https://assets.ing.com/transform/91bb365c-7d56-4dbb-8493-5a61f389fe9a/Farmer-is-wearing-a-plaid-shirt-in-a-wheat-field-back-view-AI-generated","type":"image","width":848,"original":"https://assets.ing.com/m/37af15358d84b491/original/Farmer-is-wearing-a-plaid-shirt-in-a-wheat-field-back-view-AI-generated.jpg","extension":"jpg"},"link":{"url":"/en/business/starters/work-life-balance-entrepreneur"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Take stock of your insurance policies!","intro":"Are you properly insured for your professional activity?","image":{"transformBaseUrl":"https://assets.ing.com/transform/5ca6aa62-d09f-47e3-b106-d62e123b43fa/Multimedia-Replay_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/73e2bd28391305e7/original/Multimedia-Replay_Outline.svg","extension":"svg"},"link":{"url":"/en/business/insurance/check-up-pro-assistant-professional-insurance"}}]}]},"legalZone":{"flexComponents":[{"componentType":"paragraph","title":"Disclaimer","richBody":{"value":"This article is for information purposes only and the information can change over time. Always consult the latest rules and requirements with the competent authorities. Additionally, seek professional advice before making any decisions. ING Belgium NV cannot be held liable for decisions based on the information provided.
"}}]}}}