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Disability insurance for self-employed professionals (ZZP’ers)

Protect your income in case you become sick or injured for a longer period of time.

Compare and choose the insurance that suits your self-employed life. Arranged in 15 minutes and insured tomorrow.

What is your risk profile?

What is your risk profile?

A risk profile indicates how likely it is that you may become disabled due to your working life.

Are you not sure what this means or which profile your job falls under? Then read the explanation below, including examples of relevant occupations.

Low risk profile

A low risk profile means your job involves little physical effort or hazards. This typically applies to professions that are mainly sedentary or mentally focused.
Examples: web designer, administrative assistant, accountant, graphic designer.

Low AOV Risk

Medium risk profile

A medium risk profile means your job is sometimes physically demanding or involves certain risks. This applies to professions that involve regular movement or physical activity.
Examples: cleaner, hairdresser, photographer, nurse, driving instructor.

Medium AOV Risk

High risk profile

A high risk profile means your job is physically demanding or carries a higher chance of injury. This usually applies to professions that involve heavy lifting, working outdoors, and/or using tools.
Examples: paver, plasterer, landscaper, bricklayer, installation technician.

High AOV Risk

Risk profile

Wat is je risicoprofiel?

What is your risk profile?

A risk profile indicates how likely it is that you may become disabled due to your working life.

Are you not sure what this means or which profile your job falls under? Then read the explanation below, including examples of relevant occupations.

Low risk profile

A low risk profile means your job involves little physical effort or hazards. This typically applies to professions that are mainly sedentary or mentally focused.
Examples: web designer, administrative assistant, accountant, graphic designer.

Low AOV Risk

Medium risk profile

A medium risk profile means your job is sometimes physically demanding or involves certain risks. This applies to professions that involve regular movement or physical activity.
Examples: cleaner, hairdresser, photographer, nurse, driving instructor.

Medium AOV Risk

High risk profile

A high risk profile means your job is physically demanding or carries a higher chance of injury. This usually applies to professions that involve heavy lifting, working outdoors, and/or using tools.
Examples: paver, plasterer, landscaper, bricklayer, installation technician.

High AOV Risk

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Your best AOV options

1
Best rated by freelancers

9,3
More info

Benefit

€ 2.500 p/m

Closing costs

Free
  • 20% discount in your first year
  • Choose your own benefit amount
  • Comprehensive coverage, flexible term
  • No service or sign-up fees
  • Always adjustable to your needs

Premium per month

€ 95
Calculate your premium View now
2
Best rated by freelancers

9,3
More info

Benefit

€ 2.500 p/m

Closing costs

Free
  • 20% discount in your first year
  • Choose your own benefit amount
  • Comprehensive coverage, flexible term
  • No service or sign-up fees
  • Always adjustable to your needs

Premium per month

€ 150
Calculate your premium View now
3
Best rated by freelancers

9,3
More info

Benefit

€ 2.500 p/m

Closing costs

Free
  • 20% discount in your first year
  • Choose your own benefit amount
  • Comprehensive coverage, flexible term
  • No service or sign-up fees
  • Always adjustable to your needs

Premium per month

€ 162
Calculate your premium View now
4

7,0
More info

Benefit

€ 100.000 eenmalig

Closing costs

Free
  • One-time payout in case of loss of function
  • Lowest monthly costs
  • No sign-up fees
  • No monthly income supplement
  • Limited coverage

Premium per month

€ 46
Calculate your premium View now
5

7,0
More info

Benefit

€ 100.000 eenmalig

Closing costs

Free
  • One-time payout in case of loss of function
  • Lowest monthly costs
  • No sign-up fees
  • No monthly income supplement
  • Limited coverage

Premium per month

€ 46
Calculate your premium View now
6

7,0
More info

Benefit

€ 100.000 eenmalig

Closing costs

Free
  • One-time payout in case of loss of function
  • Lowest monthly costs
  • No sign-up fees
  • No monthly income supplement
  • Limited coverage

Premium per month

€ 46
Calculate your premium View now
7

7,2
More info

Benefit

€ 2.500 p/m

Closing costs

€ 99
  • Choose from 2 different disability insurances
  • Cancel any day
  • 35% discount in the first year
  • One-time sign-up fee of €99

Premium per month

€ 128
Calculate your premium View now
8

7,2
More info

Benefit

€ 2.500 p/m

Closing costs

€ 99
  • Choose from 2 different disability insurances
  • Cancel any day
  • 35% discount in the first year
  • One-time sign-up fee of €99

Premium per month

€ 139
Calculate your premium View now
9

7,2
More info

Benefit

€ 2.500 p/m

Closing costs

€ 99
  • Choose from 2 different disability insurances
  • Cancel any day
  • 35% discount in the first year
  • One-time sign-up fee of €99

Premium per month

€ 221
Calculate your premium View now
10

8,4
More info

Benefit

€ 2.500 p/m

Closing costs

€ 149
  • 60% discount over the first 5 years
  • Up to 90% of your income insured
  • Support with prevention and reintegration
  • One-time sign-up fee of €149

Premium per month

€ 137
Calculate your premium View now
11

8,4
More info

Benefit

€ 2.500 p/m

Closing costs

€ 149
  • 60% discount over the first 5 years
  • Up to 90% of your income insured
  • Support with prevention and reintegration
  • One-time sign-up fee of €149

Premium per month

€ 152
Calculate your premium View now
12

8,4
More info

Benefit

€ 2.500 p/m

Closing costs

€ 149
  • 60% discount over the first 5 years
  • Up to 90% of your income insured
  • Support with prevention and reintegration
  • One-time sign-up fee of €149

Premium per month

€ 283
Calculate your premium View now
13

7,8
More info

Benefit

€ 2.500 p/m

Closing costs

€ 149
  • Choose your own benefit amount
  • Cancel any day
  • One-time sign-up fee of €149

Premium per month

€ 145
Calculate your premium View now
14

7,8
More info

Benefit

€ 2.500 p/m

Closing costs

€ 149
  • Choose your own benefit amount
  • Cancel any day
  • One-time sign-up fee of €149

Premium per month

€ 177
Calculate your premium View now
15

7,8
More info

Benefit

€ 2.500 p/m

Closing costs

€ 149
  • Choose your own benefit amount
  • Cancel any day
  • One-time sign-up fee of €149

Premium per month

€ 255
Calculate your premium View now
16

8,4
More info

Benefit

€ 2.500 p/m

Closing costs

€ 370
  • Benefit from loyalty discount
  • Customize your own disability insurance
  • One-time sign-up fee of €370
  • Annual maintenance fee of €80

Premium per month

€ 171
Calculate your premium View now
17

8,4
More info

Benefit

€ 2.500 p/m

Closing costs

€ 370
  • Benefit from loyalty discount
  • Customize your own disability insurance
  • One-time sign-up fee of €370
  • Annual maintenance fee of €80

Premium per month

€ 194
Calculate your premium View now
18

8,4
More info

Benefit

€ 2.500 p/m

Closing costs

€ 370
  • Benefit from loyalty discount
  • Customize your own disability insurance
  • One-time sign-up fee of €370
  • Annual maintenance fee of €80

Premium per month

€ 249
Calculate your premium View now
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How to find the best disability insurance?

For self-employed professionals, freelancers, and entrepreneurs, it’s important to choose a occupational disability insurance (called AOV for short in Dutch) that suits both your personal and business situation.

There can be significant differences between insurers in terms of coverage, premiums, conditions, and flexibility.

Think about rent, mortgage, groceries, and other expenses that still need to be paid, even if you become (partially) unable to work.

It could be smart to assess your situation. Use the questions below for this.

1. What are your fixed monthly expenses?

Your fixed expenses, such as rent or mortgage, groceries, and insurance – give an idea of the minimum amount you should insure.

2. How long can you go without an income?

If you have savings or other financial buffers, you can opt for a longer waiting period (e.g., 3 or 6 months) before the insurance kicks in. This significantly lowers your premium.

3. Do you want coverage for your own profession?

Disability insurance policies differ in how well they cover your own occupation. Also consider additional options like coverage for mental health issues and pregnancy.

What is and isn’t covered by disability insurance?

What is covered?

  • Disability due to physical or mental health issues
  • Disability resulting from activities at work, at home, on vacation, or during sports
  • Temporary inability to work due to pregnancy (depending on your policy)
  • Personalized guidance during the period you are unable to work

What isn’t covered?

  • When your disability cannot be appointed to a medical cause
  • If you are less than 25 percent occupationally disabled
  • If your disability is caused by addiction to alcohol or drugs
  • If your disability involves intent or reckless behavior

Is disability insurance compulsory?

As of this moment (May 2025), as a self-employed entrepreneur, it is not compulsory to take out disability insurance (AOV) in The Netherlands.

2027

However, the Dutch government is working on a plan for a mandatory basic disability insurance (BAZ) for self-employed individuals.

The introduction of this plan was originally scheduled for January 1st, 2027. However, this plan has been postponed because implementation proved unfeasible.

The mandatory disability insurance (AOV) for self-employed workers is expected to be introduced on January 1st, 2030.

What to expect for the compulsory AOV?

  • The obligation applies to all self-employed individuals who declare business profits to the Dutch Tax Administration.
  • The cost is approximately 6,5% of your income, with a maximum of 195 euros per month.
  • The compulsory insurance covers 70% your income, with a maximum of 100% of the minimum wage.