Home business well insured

Starting entrepreneurs often start their business from home. Logical, because the ideas and the craftsmanship are there, but the money has yet to come in. That is why, in the first instance, savings are made mainly on the overhead. The shed is upgraded to a workshop, the spare room becomes storage for the web shop and the private car is used to visit customers. Nothing wrong with that as long as there is no trouble. But in the event of damage, you cannot call on your private insurance. So even very small entrepreneurs have to take out business insurance. You can read here that it does not have to be expensive.

Inventory in the attic

A customer had her warehouse in the attic of her home. The web shop was doing just fine when water damage occurred and she could no longer deliver her orders. The private insurance did not cover the shop's stock so that she incurred a considerable loss and almost went bankrupt. So as an entrepreneur (no matter how small you start out), always make sure you have business inventory and goods insurance. This will protect your business in case of water damage, fire and theft.

Tip: choose an insurance package

Self-employed people often complain that they need to understand everything in order to run their business. Sometimes, they forget things and a small mistake can cost a lot of money. Therefore, choose a ZZP package. These advantageous packages always include insurance for inventory, liability, legal assistance, and depending on the profession one or more additional insurances. A ZZP-package is easy and cheap. From €10 per month you know for sure that you are well insured.

Don't forget the business car insurance!

Many new entrepreneurs also use their private car for business purposes. In that case, you should immediately convert your private car insurance into a business car insurance. You are then insured when you drive during your work as well as during private trips. The other way around is not the case. So if you forget to change your car insurance into business car insurance and something happens to you at work, you are not insured with a private car insurance.

Alpina.nl grows with your business

Alpina.nl is an online insurance company specializing in business insurance. We help you choose your insurance policies. And as your business grows, we grow with you. Do you have more stock (temporarily), or have you purchased a new car? You can tell us online, and your insurance will be adjusted automatically.