Expats

Did you think of … ?

  • Liability insurance for you, your family & your business
  • Health insurance
  • Protection for your personal belongings & business interests
  • Savings & pensions

You possibly just arrived in your new environment. Welcome to Holland! And even if you’re here already for some time, there are some practical things to be arranged for which are easy to forget …
We give you a warm welcome and a helping hand in getting the right cover for your most valuable interests. So you can enjoy carefree. Let’s help you with a practical checklist and quick solutions that keep you carefree, and enable you to learn some Dutch in the meantime.

Carefree business
Liability coverage for Companies and Professionals in Companies
This insurance covers damage or injury caused to third parties when liability is presumed through an unintentional act or failure to act, resulting in damage to the belongings of the other person or personal injury.

This Business Liability Insurance (in Dutch: Bedrijfsaansprakelijkheidsverzekering) provides general coverage, and can be extended by coverage for professionals employed at a company. It covers consultancy work, such as in IT and in finances. Liability for cyber risks is excluded.

WEGAS
Wegas refers to the coverage for employer’s liability, related to damage suffered by employees participating in road traffic. Regular business risk insurances generally exclude damage caused by operating a vehicle or damage caused to the own employees.

Healthcare plan
The coverage of the Ziektekostenverzekering (Health Insurance) consists of a basic and an additional component. The coverage of the basic component includes the most common treatments and care provided by hospitals, medical specialists, general practitioners and midwives. The basic component is mandatory for everyone with an income living in the Netherlands.
The additional component is not mandatory but a matter of personal choice. Depending on the insurance package, the additional component may include dental care, extended treatment for physiotherapy, revalidation and alternative therapies.

Disability
As an employer, you may face the legal obligation of continued payment of wages for sick employees. You are also required to provide services focussed on their recovery and return to work. Employees suffering long term disability will experience a drop in income, which means that both the employer and the employee face financial risks related to disability. For these risks, we provide suitable solutions. Ask for our Verzuim- en arbeidsongeschiktheidsoplossingen (Absenteeism and Disability Solutions).

Pensions
Save for the future. The Netherlands has a tradition in preparing for the future. The social security system already provides a part of your pension, but the fiscal system allows for additional savings on a company or individual basis. We offer tailor-made Pensioen solutions for both company and individual pension schemes.

Private Insurance

Personal liability
Accidental damage or harm to third parties or their property is covered by the so-called Aansprakelijkheidsverzekering particulieren (Third Party Liability Insurance) or AVP. A victim who suffers damage or physical harm is legally entitled to claim compensation. The AVP covers this risk.
This insurance covers the policyholder, his or her spouse, their minor children and their pets.

At home
This coverage protects your household belongings and personal possessions at your residential address. When you lose your personal belongings in a fire or due to theft, this coverage will provide financial compensation. Ask for Inboedelverzekering (Property Insurance). But not all belongings are compensated by this insurance, you may need an extended coverage, see the next paragraph.

Valuables and instruments
These items are of great personal interest and will probably move with you to your new residence. They may include: jewellery, audio, video and computer equipment and musical instruments. However, regular insurance does not provide coverage for these objects, but a specific coverage like the Kostbaarhedenverzekering (Valuables Insurance) does.

Legal assistance
You might require legal assistance at some point, for instance in case of a looming labour conflict or when you have a dispute with your landlord.

Fatal accident
Hardly anything can compensate for permanent disability or death as the result of an accident, but you might welcome some financial relief. This coverage provides payment in the above situation at a level of your choice. The Ongevallenverzekering (Accident Insurance) may make it easier for you and your family to handle financial setbacks caused by a fatal accident.

Travel insurance
You may already have professional travel insurance, but does it cover your personal trips? What happens when you decide to add a week or a couple of days to your business trip? The coverage of the Doorlopende reisverzekering (Annual Travel Insurance) extends seamlessly beyond your professional travel insurance. You can also extend your personal travel insurance with the professional travel insurance coverage. Carefree in all aspects.
If you have any questions about the Dutch insurances, or you want us to help you find the best insurance for you, do not hesitate to call us. We have a lot of experts to help you with your choice. Our phonenumber is +31 (0) 010-436 383