Revenue insurance
If you’re self-employed and managing your own company, your income is only part of the story. Your business also has ongoing expenses — think office rent, loan repayments, staff or leasing contracts. If you become unable to work, a personal income protection plan might cover you, but not your business. That’s where revenue insurance comes in.
What is revenue insurance?
Revenue insurance* provides a financial safety net for your business when your professional activity is interrupted due to illness or an accident. It helps cover fixed business costs so your company stays afloat while you recover. (*in Dutch: omzetverzekering)
Revenue insurance is ideal for freelancers with a one-person company (such as a BV).
What does it cover?
• Fixed business costs (e.g. rent, electricity, subscriptions)
• Leasing or financing contracts
• Accounting or admin fees
• Optional add-ons for assistance or replacement during your absence
• …
Why is it important?
Income protection insurance covers your personal finances. Revenue insurance ensures your business survives. Without it, a few months of inactivity could put you at risk of debt, contract breaches or even business closure.
Is it expensive?
Premiums depend on your business activity, fixed costs, and risk level. It’s often more affordable than people expect — especially considering the stability it offers during difficult times.
Curious about what’s possible for your business? Let’s discuss your options and find a tailor-made solution.