{"type":"document","data":{"id":"33889c6a-b377-4a5f-9b45-f50cb3dd8822","localeString":"en-GB","publishDate":"2026-03-31T15:03:05.927+02:00","contentType":"onecms:categoryPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Find out which business insurance you need as a freelancer. Protect yourself against illness, damage, or theft and keep your business running smoothly with our tips."},"mainHeaderZone":{"componentType":"categoryHeader","coreHeader":{"title":"Everything about insurance for the self-employed","subtitle":"Do you have a sole proprietorship or work as a freelancer? Then you’ll find all the tips about insurance here."}},"flexZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"<p>As a self-employed professional, you are the engine of your business. But what if you’re temporarily out of action due to illness, cause damage at a client’s site, or your equipment gets stolen? You don’t want your entire business to come to a standstill. Business insurances help you cover risks so you can continue working with peace of mind. Discover which insurance policies fit your situation here.</p>"}},{"componentType":"sectionTitle","title":"What do you want to know more about?"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Which insurances do you need as a self-employed professional?","intro":"Check out what risks you are running and how to insure them. Check out which insurances are most popular with the self-employed.","image":{"transformBaseUrl":"https://assets.ing.com/transform/0b3e7f29-7faf-4464-aa8b-f6539de73782/Side-view-of-man-looking-at-camera-in-shop","type":"image","width":5472,"original":"https://assets.ing.com/m/4bf8fe7fa3422ded/original/Side-view-of-man-looking-at-camera-in-shop.jpg","extension":"jpg"},"link":{"url":"/en/business/insurance/insurance-self-employed"},"promoText":"Read what you can do"},{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Liability for the self-employed","intro":"As an entrepreneur you are responsible for any damage you or your employees cause. 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Read why this insurance is important.","image":{"transformBaseUrl":"https://assets.ing.com/transform/d45aceeb-bc47-472e-b1c3-2fd0fded55b2/Woman-hides-face-with-hands","type":"image","width":4113,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/a4f240516f8f8ea/original/Woman-hides-face-with-hands.jpg","extension":"jpg"},"link":{"url":"/en/business/insurance/legal-assistance-insurance-for-self-employed"},"promoText":"Read about the risks"},{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Step-by-step guide for your car insurance","intro":"Do you own a company car or van? Of course it needs insurance. But when do you pick a personal or business insurance for this vehicle? We'll help you get started in 4 steps.","image":{"transformBaseUrl":"https://assets.ing.com/transform/efc8e845-652f-4bd6-870e-a9992717e8b9/Portrait-of-man-standing-in-snow","type":"image","width":7200,"original":"https://assets.ing.com/m/52c6c28e7e3fe040/original/Portrait-of-man-standing-in-snow.jpg","extension":"jpg"},"link":{"url":"/en/business/insurance/car-insurance-self-employed"},"promoText":"Ga naar de gids"}]},{"componentType":"sectionTitle","title":"Insurances for you as self-employed"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Check out all ING business insurances","intro":"What would you like to insure?","image":{"transformBaseUrl":"https://assets.ing.com/transform/7c467ca6-311d-4cd6-a8cc-75b33e3ad9c2/A-man-with-an-apron-holds-a-tablet-and-looks-inside-a-carton-box-at-his-workshop","type":"image","width":1920,"original":"https://assets.ing.com/m/1e183cd7a4f15c2f/original/A-man-with-an-apron-holds-a-tablet-and-looks-inside-a-carton-box-at-his-workshop.jpg","extension":"jpg"},"link":{"url":"/en/business/insurance"},"promoText":"Extend your coverage yourself"},{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"The healthcare insurance for self-employed","intro":"Of course you want a health insurance with a sharp premium and excellent benefits. 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Ouch","image":{"transformBaseUrl":"https://assets.ing.com/transform/78b00cea-651c-4aad-8cde-1fb3c6481d62/woman-balance-money-house-spot","type":"image","width":160,"original":"https://assets.ing.com/m/4bb7dca815d0f3c7/original/woman-balance-money-house-spot.svg","extension":"svg"},"link":{"url":"/en/business/insurance/insure-business-or-private"},"promoText":"Read more about it"},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"What are the differences between professional and company liability","image":{"transformBaseUrl":"https://assets.ing.com/transform/b469330e-14f6-428a-a51d-0e7408f60966/Insurances-Do-More","type":"image","width":2500,"altTextFR":"assurances","original":"https://assets.ing.com/m/35a573aa7b631038/original/Insurances-Do-More.jpg","extension":"jpg"},"link":{"url":"/en/business/insurance/what-is-the-difference-between-professional-liability-insurance-and-company-liability-insurance"},"promoText":"What are you liable for?"}]},{"componentType":"sectionTitle","title":"Why insure your business via ING?"},{"componentType":"paragraph","richBody":{"value":"<ul class=\"check-mark\"><li>Insurance tailored to your business activities</li><li>Competitively priced</li><li>Quick and easy to request</li><li>Make changes or report a claim via the ING App and Mijn ING Zakelijk</li><li>Cancel any day</li></ul>"},"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/d158bdeb-2f95-4573-b1fb-a5c5e997c6d0/731136-ATL-bannering-Batibouw-Insurance","original":"https://assets.ing.com/m/269b4a6d7b6df055/original/731136-ATL-bannering-Batibouw-Insurance.svg","extension":"svg"}},{"componentType":"linkList","iconTitle":{"icon":{"transformBaseUrl":"https://assets.ing.com/transform/59f39959-f2a7-42b4-a6d2-7d1722d6b068/Person_outline_orange_RGB","type":"image","width":267,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/1d93716c3fd7ddd0/original/Person_outline_orange_RGB.png","extension":"png"},"title":"Do it yourself"},"textLinks":[{"url":"/en/business/insurance/my-business-insurances","text":"Manage your insurance"},{"url":"/en/business/insurance/my-business-insurances","text":"Report damage directly"},{"url":"/en/business/insurance/green-card","text":"Lost green card"},{"url":"/en/business/insurance/my-business-insurances","text":"Verzekering opzeggen"},{"url":"/en/business/insurance/complaint-about-insurances-via-ing","text":"Report a complaint"}]},{"componentType":"sectionTitle","title":"Frequently asked questions about business insurances"},{"componentType":"accordion","accordionList":[{"title":"Which types of insurance do I need as a starting entrepreneur?","richBody":{"value":"<p>The business insurance you need depends on your industry and the nature of your work. Focus on identifying the business risks that apply to you. Can you afford to cover those risks yourself?</p><p>You might be able to replace a mobile phone out of pocket, but damage to equipment or personal injury to a client? That can be costly. In such cases, it’s reassuring to have insurance to fall back on.</p><ul><li>The foundation of your insurance package is <a data-type=\"internal\" href=\"/en/business/insurance/ing-company-liability-insurance\">company liability insurance</a>, which covers accidents or mishaps during work that result in damage or injury.</li><li>Do you work in an advisory role? Then <a data-type=\"internal\" href=\"/en/business/insurance/ing-professional-liability-insurance\">professional liability insurance</a> may be relevant.</li><li>Do you use a company car, van, or other business vehicle? Then you’re <a data-type=\"internal\" href=\"/en/business/insurance/ing-company-car-insurance\">required to insure</a> it for business use.</li></ul>"},"textLinks":[{"url":"/zakelijk/zzp/tips","text":"Check out our tips for new entrepreneurs"}]},{"title":"Which insurance do you need as a private limited company?","richBody":{"value":"<p>The insurance you need depends on your sector, the type of business you run, and how much risk you’re willing and able to take on yourself.<br />There are several types of insurance you might want to consider as a business owner with a private limited company. For example:</p><ul><li>Company liability insurance – covers damage or injury your business causes to other people or their property, such as customers or suppliers</li><li>Professional liability insurance – a good option if you work in an advisory role</li><li>Company building insurance – if you own a building, or cover for your equipment and stock</li><li>Company car or van insurance – mandatory if you have a business vehicle</li><li>Business interruption cover – protects your gross profit if your business has to temporarily close due to events like fire or storm damage</li></ul>"}}]},{"componentType":"linkList","iconTitle":{"icon":{"transformBaseUrl":"https://assets.ing.com/transform/712f0411-7ffc-473e-bf7e-7c27d9e265bc/Feedback-Light_Bulb_Filledin","type":"image","width":24,"altTextNL":"\"\"","original":"https://assets.ing.com/m/1a0207ffb56322e/original/Feedback-Light_Bulb_Filledin.svg","extension":"svg"},"title":"Also interesting for you"},"textLinks":[{"url":"/zakelijk/starters","text":"Everything for starting entrepreneurs"},{"url":"/en/personal/insurances","text":"Personal insurances"},{"url":"/zakelijk/financieel-gezond","text":"Tips for a financially healthy company (Dutch only)"},{"url":"/en/business/loans-and-finance/lease-and-asset-finance","text":"Lease a car or van"},{"url":"/en/business/insurance/nn","text":"Insured through Nationale Nederlanden"}]}]},"freeHeaderLayout":"landscape"}}