Accident insurance
An accident can happen anytime — during work, in traffic or even at home. As a freelancer, you don’t have automatic coverage like employees do through an employer. That’s why an accident insurance is a smart and affordable way to protect yourself against unexpected injuries and their financial consequences.
What is accident insurance?
Accident insurance* provides financial compensation if you’re injured due to an accident, whether work-related or private. It covers both temporary and permanent disability, and in some cases, medical costs or even death benefits. (*in Dutch: ongevallenverzekering)
Why is it important for freelancers?
Freelancers are not covered by traditional occupational accident insurance (arbeidsongevallenverzekering) unless they take it out themselves. If you’re unable to work due to an accident, you could face serious income loss — especially in the early weeks when social security coverage is limited.
What does it cover?
• Accidents in both professional and private life
• Medical costs following an accident
• Compensation for temporary or permanent disability
• Daily indemnities or lump-sum payouts
• Death benefits for your family, if applicable
• Optional extras: psychological assistance, physical therapy, home help
Is it expensive?
Accident insurance is usually very affordable and can be adapted to your risk profile. It’s a small cost for significant peace of mind — especially for freelancers who are on the move or work in riskier environments.
Want to protect yourself against life’s unexpected bumps? We’d be happy to help you find a solution that fits your needs.