A personal insurance policy covers private matters. But as soon as you do something for business – like buying items in your company’s name, working from home or advising clients – the rules change.
Example: You have a home office. Fire? Theft? Your personal insurance covers your private computer, but not always that business printer you bought with your company account.
"}},{"componentType":"sectionTitle","title":"Common misconceptions"},{"componentType":"paragraph","title":"“My personal liability insurance covers everything, right?”","richBody":{"value":"Not quite. A personal liability policy is for private accidents. If damage occurs while you’re working, you need a company liability insurance.
"}},{"componentType":"paragraph","title":"“My legal expenses insurance will help me.”","richBody":{"value":"Only for private matters. Got a client who won’t pay? Or issues with a permit or contract? Then you need a company legal assistance insurance for the right support.
"}},{"componentType":"paragraph","title":"“I already have contents insurance.”","richBody":{"value":"Your business inventory is often only partially covered under a home contents policy. Always check the terms of your personal insurance. Does it seem covered? Read the fine print. You may be better protected with an inventory and goods insurance.
"},"alignedImage":{"position":"left"}},{"componentType":"sectionTitle","title":"Situations entrepreneurs recognise"},{"componentType":"paragraph","richBody":{"value":"In most of these cases, a personal insurance won’t cover you. Always check the conditions carefully.
"},"alignedImage":{"position":"left","transformBaseUrl":"https://assets.ing.com/transform/978995d9-9241-4806-a8ff-34687ba19700/SWYM-Insurance","altTextNL":"Ondernemer slaat laptop open","original":"https://assets.ing.com/m/61619559982547be/original/SWYM-Insurance.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"Car insurance: business or personal?"},{"componentType":"paragraph","richBody":{"value":"Do you use your car for work? For example, for visiting clients, transporting goods or driving to a building site? Then a personal car insurance usually isn’t enough. That is meant for private use.
With a company car insurance, you are covered if something happens during a work trip. Also, damage to or theft of tools in your company vehicle is often included. So you can hit the road with peace of mind.
"}},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Do you drive for business? Insure your car smartly","intro":"Do you use your car for work? Then a business car insurance policy is often necessary. It covers damage during work trips and theft of items from your company car.","image":{"transformBaseUrl":"https://assets.ing.com/transform/fa5bb156-5a17-455e-b604-6a0dc02854d0/Car-insurance-business-van-broken-scene","type":"image","width":1200,"original":"https://assets.ing.com/m/53f4ed69f24226b6/original/Car-insurance-business-van-broken-scene.svg","extension":"svg"},"link":{"url":"/en/business/insurance/ing-company-car-insurance"},"promoText":"View business insurance"},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Privately insured? Check your cover","intro":"Many entrepreneurs drive with a private insurance policy. But that’s usually not enough for business trips. Check your policy or contact your insurer.","image":{"transformBaseUrl":"https://assets.ing.com/transform/854dc9ed-ef00-4417-97e9-d65b3b3d369f/Person-in-a-car-with-flames","type":"image","width":715,"original":"https://assets.ing.com/m/739bc37d1bf8e5c0/original/Person-in-a-car-with-flames.jpg","extension":"jpg"},"link":{"url":"/en/personal/insurances/car-insurance"},"promoText":"View private insurance"}]},{"componentType":"sectionTitle","title":"Living and working at the same address"},{"componentType":"paragraph","richBody":{"value":"As an entrepreneur, you’ve got a lot on your plate. That’s why we help you understand which insurance really fits your situation. Because being well insured means: peace of mind and room to grow.
Tip 1: Read the terms of your personal insurance. Or contact your insurer to check if you’re also covered for business use.
Tip 2: Regularly check if your insurance still matches your business. Especially as you grow, your risks change.
"}},{"componentType":"paragraph","title":"Want to know more?","richBody":{"value":"Curious which business insurance suits your company? Check out our offer of business insurances.
"},"textLinks":[{"url":"/en/business/insurance","text":"View all business insurances"}]},{"componentType":"linkList","componentStyle":"default","iconTitle":{"icon":{"transformBaseUrl":"https://assets.ing.com/transform/81a83dbb-cb7f-42a3-a84a-d27be777f552/img_icon-lightbulb","type":"image","width":160,"original":"https://assets.ing.com/m/7270c243d1058b5f/original/img_icon-lightbulb.png","extension":"png"},"title":"Also interesting for you"},"textLinks":[{"url":"/en/business/insurance/everything-for-the-self-employed","text":"Everything about insurance for the self-employed"},{"url":"/en/business/insurance/liability-insurance-self-employed","text":"Everything about liability insurances for the self-employed"},{"url":"/en/business/insurance/company-vehicle/car-on-company-name-and-addition-bijtelling","text":"Company car and addition (bijtelling)"},{"url":"/en/business/insurance/company-vehicle/prevent-break-ins-in-your-van","text":"Prevent break-ins in your van"}]}]}}}