Free · 20 min
Tell us what your business does
Who your clients are, what contracts demand, where you work. That is all we need to start.
You leave with a clear picture of your real risks, in plain language.
Business insurance in the Netherlands
Five covers on the menu. Our associated company, a separate licensed advice firm, tells you which, foreign clients and work abroad included. It arranges the insurance too. We take on the tax that follows.
Written by
Kim van der MandenCertified Mortgage Insurance and Wealth Advisor
Reviewed by
Marcel HulsmanDirector
Updated 29 August 2026
5.0/5on Google · 1,500+ reviews
20,000+clients helped since 2018
1 working dayto answer your question
English or Dutchadvice in your language
Business covers
Business insurance: what the law requires, what you choose
For most Dutch businesses, no business insurance is legally required. The law requires two things: national insurance contributions, paid through your income tax, and standard health insurance. There are two exceptions. A car or property in your business's name must be insured, and some professions must carry professional liability cover by law. Our associated company discusses those mandatory covers in the same conversation.
Everything else is a choice. The real question is not what is mandatory, but which risk could stop your business tomorrow. That list is shorter than most menus suggest. Working with foreign clients or abroad changes that list. Dutch policies often limit cover abroad, so your advisor flags your foreign work early.
The covers
Which covers could your business need?
Five covers, each for a different risk. Not sure which fit how you work? Book your free call, and we look at it together.
LIABILITY
Business liability (AVB)
Damage your work causes to people or property.
Read about business liabilityPROFESSIONALProfessional liability (BAV)
Financial damage from advice or a professional mistake. Required by law in some professions.
Discuss BAVLEGAL EXPENSESLegal expenses (rechtsbijstand)
A conflict with a client, supplier or landlord. Legal help without hourly-rate stress.
Read about legal expenses coverINTERRUPTIONBusiness interruption
Fire or water damage closes your doors. This cover bridges the gap until you reopen.
Read about interruption coverLIFE COVERLife cover for business owners
Keeps a business loan or your family's income covered if you pass away. Its own page explains how.
Read about business life coverProtecting your own income if you cannot work? Disability cover (AOV) for the self-employed
How it works
One conversation, then clarity.
No forms to fill in first. You talk, we listen, and the advice names covers, not products.
Your situation
Your advisor maps your risks
Our associated company weighs what could stop your business, at home and across the border. It shows where cover stops when you work abroad. It also checks your current covers for gaps and overlap.
You leave with the risks that matter to your business right now.
Your call
You decide, with the options on the table
You hear what each cover does and what the advice involves before you commit.
You leave with a decision you understand, at your own pace.
Ongoing
Advice and arrangement
Our associated company gives the advice, arranges the insurance and takes it out.
You leave with You keep the same advisor throughout.
Replies within one working day
“"Most business owners are over-insured on one risk and uncovered on another. One conversation usually brings both to light."”
Kim van der Manden
EN · NL
Your advisor
Put your business on the table. We tell you where you stand.
Bring a contract, a question or nothing at all. Kim works for our associated company. She maps the risks that could hit your business and points out the covers worth having. Your policy terms stay Dutch. She translates the clauses that decide a claim.
Book your free call
FREE CALLPick a moment this week. Your advisor calls you.
Message us on WhatsApp
WHATSAPPSend your question. An advisor answers personally.
Call us directly
PHONE+31 20 2170120, Mon-Fri.
TaxSavers · Amstelveen · Insurance introduced, tax included.
Pricing
What the first talk covers
In the first talk, your advisor goes through the covers that apply to you. Which ones matter differs per business.
Who gives this advice
Insurance advice is provided by our associated company A&H Finance. They advise you and arrange the insurance. Your agreement for this advice is with them and they are responsible for the service. TaxSavers introduces you and is not a party to that agreement. Do you have a complaint about the advice? Raise it with them first. If you do not reach a solution together, you can take it to Kifid. Kifid is the Dutch complaints institute for financial services. They are registered there and have accepted binding advice, so a Kifid ruling binds them.
Why advice
Online configurator vs an advisor Cover that fits takes more than a menu.
A configurator (the insurer's pick-it-yourself menu) works when you already know exactly what you need. Most business owners don't, and that is normal.
On your own online
With your advisorOur way
Starting point
On your own onlineYou pick covers from a standard menu
With your advisorYour business first, covers second
Terms
On your own onlineStandard terms, checked by you
With your advisorTerms get an extra check
Cross-border
On your own onlineCross-border work is your own research
With your advisorWe raise your cross-border work before the insurance advice
Aftercare
On your own onlineChanges are yours to remember
With your advisorOne point of contact when things change
Standard menus only
Book your free callWe start from your business, not the menu on the left.
One conversation
Insurance is rarely the whole question
For many freelancers the same conversation covers more: income protection, pension and the tax on your business income. You tell your story once. We also look at what your premiums do to your tax return. Whether a premium is deductible depends on the cover. Premiums for business covers, such as liability cover, are business costs. You deduct income protection premiums in Box 1 if the benefit is paid in instalments.
Reviews
What internationals say
Menno was really helpful during our Teams chat, he took me through all the viable options in a clear and concise way. P.B.
G
Getonthe Bus
TaxSavers experience · February 2026
Danielle and Mia did a great job, easy, smooth and clear ! Thank you! See you next year
A
A.b.2c
TaxSavers experience · July 2026
Professional and quick advice, and very responsive & informative consultants. Highly recommended!
B
Burak TUZUNALPER
Tax advice · May 2025
Frequently asked
Straight answers for business covers
The seven questions business owners ask us most. Yours missing? Ask your advisor
Is business insurance mandatory in the Netherlands?
For most businesses, no. There are exactly two exceptions. A company car or business property must be insured. Some regulated professions must carry a BAV. Everything else is your choice.
I already know which cover I need. Where do I start?
Start on that cover's own page. Business liability, legal expenses, interruption and business life cover each have one. Professional liability (BAV) comes up in the intro call. Torn between two? Bring both to that call.
Is disability insurance (AOV) part of this page?
AOV has its own page, built for the self-employed. A mandatory public disability scheme for the self-employed is in parliament, with no effective date yet. For now AOV is a choice. Your advisor puts it beside your business covers in the call. This is the position as at 29 August 2026.
What does business insurance advice cost?
The intro call is free. Your advisor discusses what fits your situation in that first conversation.
Can you look at the covers I already have?
Yes. Bring the covers you run today. Our associated company assesses the policies.
Do you work in English?
Yes, in English or Dutch. Your policy terms will mostly be Dutch. Our associated company walks you through the parts that decide a claim.
Are you authorised to give mortgage and insurance advice?
TaxSavers advises on tax, not on mortgages, insurance or pensions. For those we work with A&H Finance, a trade name of New Business Group B.V. They hold the AFM licence (12017511) and they advise and arrange. The AFM is the Dutch regulator for financial markets. We introduce you and take on the tax that follows.
Who does what
Who advises you on the insurance
Advice and arrangement
Our associated company handles this.
Your next step
Know what your business needs.
Book your free call. Twenty minutes about your business. You leave knowing where you stand.
What's included
The tax side of your premiums included
Only the covers you actually need
Mandatory covers named in the same call