AOV insurance for entrepreneurs

Anyone can get sick or have an accident. A salaried employee is often automatically insured for disability. An employer takes out disability insurance for the entire company. As a business owner, you can decide how to insure yourself against disability. One of the possibilities is to take out an AOV insurance for entrepreneurs. With an AOV insurance for entrepreneurs you are protected against loss of income if you can no longer work because you become disabled. On Alpina.nl we tell you all about an entrepreneurs AOV.

What is an entrepreneurs AOV?

As an entrepreneur, you do not want to be sick. Your work is delayed, your income is reduced and at some point you may not be able to pay the bills. Especially if you are ill for a long time, this will have a great impact on your business. In order to protect yourself against the financial consequences of disability you can take out an Entrepreneurs AOV. An AOV insurance offers you as an entrepreneur financial security. You know for sure that you can continue to pay your bills when you become disabled. Many insurers also offer help with prevention and reintegration. An entrepreneurs AOV is possible for all entrepreneurs, whether you are a consultant at the office, a gardener or a construction worker.

Why take out an AOV insurance as an entrepreneur?

It is not compulsory for entrepreneurs to take out disability insurance. Why would you take out one anyway? If you are healthy, the chance that you get sick or have an accident seems far away. However, it happens more often than you might think. Approximately 1 in 4 people become unfit at some point in their lives. Many entrepreneurs underestimate this risk. Think for example of an accident on the shop floor, a nasty fall with the bicycle, a car accident or catching a virus or bacteria. It is not for nothing that the saying 'an accident is around the corner' applies.

As an entrepreneur, if you are unable to work for a longer period of time, you will miss out on a large part of your income. Many entrepreneurs have a savings in reserve, but often this is only for a few months. If you run out of your buffer before you can work again, you have a problem. After all, your fixed costs will continue. By taking out an Entrepreneurs AOV you know for sure that you can continue to pay your bills.

As an entrepreneur, am I entitled to an incapacity benefit?

As an entrepreneur, you are not automatically insured for loss of income due to incapacity for work. Therefore, you are responsible for arranging a replacement income when you become incapacitated for work. This can be done by taking out an AOV insurance for entrepreneurs. An employee does not have to do this, because disability insurance is often arranged through the employer.

What are the benefits of AOV insurance?

Taking out an AOV insurance has a number of advantages:

• With an AOV insurance you are insured for an income in case you become disabled. For an entrepreneur it is a pleasant financial safety net.
• You determine the part of the income that you want to insure up to a maximum percentage (the lower the insured amount, the lower the premium).
• The insurer often offers reintegration assistance as well
• The premium of an AOV is tax deductible

Take out disability insurance directly through Alpina

There are several providers of AOV insurance on the market. How do you know with which insurer you can take out the best AOV insurance for entrepreneurs? We always recommend to compare providers. It is wise to not only pay attention to the amount of the premium, but also to the coverage and conditions of the insurance. For example, look at the amount of the sum insured and the waiting period. At Alpina.nl you can first request a no-obligation quote.

Do you have any questions about the AOV insurance or about the offer? Please do not hesitate to contact us! We are available Monday through Friday from 08.00 to 18.00 on 088 - 688 3712.