Insurance, the safety net that matters most
Light entrepreneurship is full of opportunity, and it carries risk with it. You are your own most important asset, and insurance is not just a cost line but the net under you when something goes differently from the plan.
Comes with the plan
- Accident insurance is included in the Smart and Responsible plans. Basic does not have it.
- Liability insurance is included in the Responsible plan only.
- The policy is underwritten by LähiTapiola and is a group policy that comes with the plan.
Stays your responsibility
- Other voluntary cover, such as your own medical expenses or travel insurance.
- Any deductible in a claim.
- YEL insurance, which no plan includes. See YEL pension and social security.
Cover comes with the plan, and there is no separate automatic layer underneath it. Accident insurance is included in the two upper plans on the price list, and liability insurance in the highest of them. The Basic plan has neither, which is exactly why it is the cheapest.
Choose according to what your work demands. Illness or an accident means a direct loss of earnings for someone working independently, and thinking through your own overall cover is your responsibility either way.
Frequently asked
- Which plans include the accident cover?
- Smart and Responsible. Liability insurance is in the Responsible plan only. Basic has no cover at all, which is exactly why it is the cheapest.
- Who underwrites the policy?
- LähiTapiola. It is a group policy that comes with the plan, and a claim goes to LähiTapiola rather than to us.
- Does any plan include YEL?
- No. YEL is never part of a plan. The insurance company invoices it to you directly, and thinking through your own overall cover stays your responsibility.
Tell us what you invoice, and we will work out which plan fits.
A free conversation, at our office or online. We go through whether light entrepreneurship makes sense in your situation, which plan works out cheapest for what you invoice, and whether you want the accident and liability cover. The conversation commits you to nothing.