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work equipment insurance zzp & compare premiums

Voor zzp’ers en zelfstandigen — verzeker uw werkmaterieel zakelijk met WA, Third-Party Liability + Limited Cover of Allrisk, afgestemd op uw gebruik. Wij vergelijken meer dan 30 verzekeraars. Onafhankelijk advies van Finass Insures — AFM-geregistreerd en Kifid affiliated.

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In 1 minute explained

Watch this short video to see what to look out for and which choices suit your situation.

Prefer to brainstorm directly? Contact us — wij kijken persoonlijk met u mee.

Insure work equipment insurance for self-employed professionals with Finass Verzekert

Insuring your work equipment for business purposes

Insure your work equipment als Self-employed’er — heftruck, graafmachine, hoogwerker, shovel of andere (zelfrijdende) machine. Met WA/WAM voor gebruik op de weg en aansprakelijkheid (AVB) op het terrein, plus casco en machinebreuk.

We tailor the coverage to your business use, mileage, and claim-free years. At Finass Insures We compare more than 30 insurers and look for the most competitive premium for your work equipment.

What should you look for in business work equipment insurance?

Pay attention to business use, mileage, hull coverage, and whether cargo or tools need to be insured separately. We provide independent advice.

More about the work equipment insurance

Construction equipment and agricultural machinery — cranes, forklifts, tractors, excavators — represent significant value and pose risks on and around the workplace. work equipment insurance covers damage, theft, and liability.

What does work equipment insurance cover?+
  • ✓Damage to and theft of work equipment
  • ✓Liability for damage caused by the equipment
  • ✓Fire, storm and short circuit
  • ✓Damage during work, transport, and downtime
  • ✓Business interruption due to outage (optional)
  • ✓Compensation based on current market value or replacement value

We (Finass Verzekert) independently compare work equipment insurance from more than 30 insurers — so you get the best coverage at the most competitive premium.

Why is work equipment insurance important?+
  • ✓Construction equipment is expensive and susceptible to damage and theft.
  • ✓Moving or working equipment can cause damage to others.
  • ✓Downtime brings your work to a standstill
  • ✓You are also insured during transport.
Who is work equipment insurance suitable for?+
  • ✓Construction, earthworks and road construction companies
  • ✓Agricultural businesses with machines and tractors
  • ✓Contract workers and rental companies
  • ✓Entrepreneurs with cranes, forklifts, or excavators
Tips for closing+
  • ✓Insure the equipment for the correct value
  • ✓Pay attention to liability coverage for self-propelled equipment.
  • ✓Consider business interruption losses in the event of downtime
  • ✓Comply with the security and storage requirements
How do you find the best work equipment insurance?+

The premium depends on the type of equipment, its value, and its usage. Finass Verzekert independently compares more than 30 insurers for your work equipment.

Which coverage suits your work equipment?

For your work equipment, you can choose from Third-Party Liability (legally required), Third-Party + Limited Cover, and All-Risk. The choice depends on the value and business use.

BASIC

Third-party liability insurance

Legally required minimum

Third-party liability insurance is legally mandatory and covers damage that you cause to others with your work equipment, not to your own work equipment.

What is covered:
  • Damage to other vehicles
  • Injury to persons or third parties
  • Damage to buildings and objects
  • Damage caused by occupants
Bereken WA-Premium →
MOST CHOSEN
EXTENSIVE

Third-Party Liability + Limited Cover

Popular among freelancers

In addition to third-party liability coverage, also protection against damage to your own car caused by external factors that you cannot prevent.

Extra coverage:
  • Fire and storm damage
  • Theft and burglary
  • Window breakage and glass damage
  • Collision with animals
  • Hail damage
Bereken WA+ Premium →
COMPLETE

All-risk insurance

For a new or valuable vehicle

De meest complete Coverage, ook bij eigen schade, machinebreuk en diefstal — op en rond de werklocatie.

Everything from WA+ plus:
  • Damage caused by one's own fault
  • Vandalism
  • Unknown cause
  • Total loss payout
  • Collision damage
Bereken All-risk-premie →
Comparison of coverages for your work equipment
CoverageWAThird-Party Liability + Limited CoverAll-risk
Damage to others (liability)
Fire, storm and nature
Theft and burglary
Window breakage and glass damage
Collision with animals
Damage to own car due to own fault
Vandalism and unknown perpetrator
Recommended forOlder vehicleRegular useNew vehicle

Additional coverage for your work equipment

Complete the insurance for your work equipment with these modules and extensions.

Casco & machinebreuk

Coverage for damage to and breakage of the machine.

WA/WAM & aansprakelijkheid

WAM on the road and liability (AVB) on the premises.

Stilstand & huur

Coverage for downtime damage and replacement rental.

Commercial & aftrekbaar

Premiums are generally deductible as business expenses.

PREMIUM CALCULATION

What does your work equipment premium depend on?

The premium for your business work equipment depends on the vehicle, usage and mileage, the chosen coverage and your no-claims years.

By comparing via Finass Verzekert, you immediately see which insurer insures your work equipment at the lowest cost.

1
Vehicle & waarde
Zakelijk gebruik & Mileage
2
Number of claim-free years
The more years, the lower your premium (up to 80% discount)
3
Annual mileage
Coverage and no-claims years
4
Age of chief executive officer
Risk category based on your age
5
Postal code area
Regional theft and collision statistics

Insuring your work equipment or switching: this is how it works

The best way to insure your work equipment is with the right coverage that suits your usage. We compare more than 30 insurers. Do you already have a policy? After the initial contract period, you can switch monthly; Finass Verzekert takes care of it, ensuring you are not left uninsured.

The 4 steps to switching

  1. Calculate your premium via our tool with your license plate
  2. Compare the providers and choose the best coverage for your work equipment
  3. We handle the cancellation with your old insurer
  4. Your new policy takes effect immediately after the notice period

When can you cancel?

We insure your business work equipment with the right coverage and handle the entire switch without leaving you uninsured.

Insure your work equipment or switch with Finass Verzekert

Frequently asked questions about your work equipment

All the answers to the most frequently asked questions about your work equipment at a glance.

Is my work equipment subject to mandatory third-party liability insurance?

For use on public roads, the Compulsory Motor Vehicle Liability Insurance (WAM) obligation applies. On enclosed premises, you cover liability via General Liability Insurance (AVB). We set both up appropriately.

Is machine breakdown covered?

With hull coverage, you can include machine breakdown and own damage in the insurance, plus downtime and replacement rental. We will coordinate this.

Is business work equipment insurance mandatory?

Third-party liability coverage is legally required for every motor vehicle. Comprehensive (limited or full) coverage is optional, but advisable for a new or valuable vehicle.

Can I insure my work equipment for business purposes?

Yes, as a self-employed professional, you insure your work equipment for business purposes; the premium is then generally deductible as business expenses. We set this up appropriately.

Do my no-claims years count?

Yes, we take your accumulated no-claims years into account. No-claims years accumulated for business purposes can also count towards a lower premium.

Are his cargo or tools insured as well?

The vehicle insurance covers the vehicle itself. For cargo and tools while on the road, you take out own-carriage insurance; we combine this if desired.

What does the premium depend on?

The premium depends on the vehicle, business use and mileage, the chosen coverage, and your claim-free years. We compare more than 30 insurers.

Can I switch without any hassle?

Yes. After the first contract period, you can cancel on a monthly basis, and we will handle the entire switch.

Personal advice on your work equipment at Finass Verzekert
Finass mascot

Why insure your work equipment via Finass Insures?

As an independent advisor, we compare more than 30 Dutch insurers and know the key considerations for your work equipment. Not a comparison site, but a real advisor.

  • 30+ insurersBroad comparison for the best premium
  • Within 2 minutesPremium calculated based on license plate
  • Knowledge of commercial vehiclesFrom forklift to excavator
  • Personal adviceAvailable 6 days a week

What our customers say about their work equipment

Customers rate Finass Verzekert on average with a 9.5 and the handling of car damage with a 9.8.

9.5
Customer review
9.8
Claims handling

“Mijn zakelijke work equipment is nu goed verzekerd tegen een scherpe premie. Finass adviseerde deskundig.”

S
Auke NJ.
Allrisk — zakelijke work equipment

“Fijn dat mijn no-claims years zijn meegenomen. Helder advies.”

D
Bauke PP.
WA + Casco — work equipment

“Snel geregeld en Commercial correct. Prettig en professioneel.”

G
Eelke RW.
Allrisk — work equipment

“Persoonlijk geholpen bij mijn work equipment. Aanrader.”

H
Feike SO.
WA — work equipment

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Category: Self-employed  ·  Vehicle  ·  Auto  ·  Delivery van

Ready to your work equipment to insure?

Calculate your premium and discover with which insurer your work equipment is well and affordably insured. Personal and independent advice from Finass Verzekert.

Damage or breakdown on the road? Emergency line 24/7: 06 - 55 20 40 72