Independent contractors
As an independent contractor there are risks you simply can’t anticipate. You can cover these by taking out the right insurance. You can insure yourself, but it may be worthwhile to take out insurances for your business as well. An important insurance, that you shouldn’t miss out on, is your business’ liability insurance. After all, you can be held liable for the work you do as an independent contractor. A damage claim from the principal on a project can get expensive and lead to paperwork you don’t want to deal with.
Private insurance does not cover business related events
Many independent contractors believe that that they have coverage for liability and legal aid because they have liability insurance and legal aid insurance for their family. Unfortunately, private insurance does not provide any coverage for damage caused by any business-related activities.
Later has come and gone
Many independent contractors start their business and consider insuring themselves as an afterthought. It’s only logical; you need to mind costs when starting out. Many times, insurance is forgotten about, and that can lead to nasty consequences.
The price isn’t everything, coverage is important too
When taking out an insurance, much ado is made about the price instead of the exact coverage. A cheaper insurance policy may seem suitable until a damage claim is excluded from coverage. Additionally, policy conditions are largely illegible without thorough training, because of the amount of legalese.
Source: ZZP Nederland
Certified asbestos remover
With your certifications you focus on removing asbestos in multiple and diverse locations. A very responsible job associated with relevant risks. As an independent contractor you bear the full responsibility for your activities.
Working with asbestos, even on paper, requires special measures and a special insurance policy. Because, if things go wrong your personal liability or legal aid policy will be of no help whatsoever. At a bare minimum you need a liability insurance for your business. But make sure to get one that provides coverage for asbestos.
The asbestos insurance policy by OBM is an ‘extra mask’ specifically designed for independent contractors that take on projects involving asbestos.
Expert supervisor for asbestos removal
As an expert supervisor for asbestos removal you bear a lot of responsibility. You direct the employees carrying out the removal of asbestos and monitor the adherence to legally required safety procedures and best practices. This responsibility, in turn, exposes you to large risks.
Working with asbestos, even on paper, requires special measures and a special insurance policy. Because, if things go wrong your personal liability or legal aid policy will be of no help whatsoever. At a bare minimum you need a liability insurance for your business. But make sure to get one that provides coverage for asbestos.
The asbestos insurance policy by OBM is an ‘extra mask’ specifically designed for independent contractors that take on projects involving asbestos.