Insurance - Tentoo Payroll Professionals

Accidents can happen in the workplace. The financial consequences of injuring someone else or damaging their property can be significant. This makes it important to have good liability insurance. In general, your client will have liability insurance that covers you for most risks. But there's always the possibility that you will be held personally liable for injury or damage.

If you work as a freelancer/flexwerker for external clients who don't have any relationship with Tentoo, we definitely recommend you take out separate liability insurance for those activities. This removes all risk that you could be held liable for personal injury to third parties or damage to their property.

If you are permanently unable to work and you haven't taken out any .

Tentoo Insurances has got together with Fortis to develop a tailor-made collective disability insurance policy which protects you from a significant drop in income. The collective nature of the policy makes the premium very attractive: in 2011 the cost is only 1% of your gross income.

In collaboration with ONVZ, Tentoo Insurances offers a collective health insurance scheme.

Tentoo believes that it is important for contractors, freelancers and clients to be healthy and vigorous, which is why it decided to go into collaboration with ONVZ in 2006. At the time, ONVZ was the insurer with whom the majority of all doctors and specialists were insured and had a very good reputation. Almost 5 years on, ONVZ is still rated as the best health insurer (or one of the best) in independent customer satisfaction surveys. This is reflected in the fact that over 450 people have already taken out health insurance with ONVZ via Tentoo.

This year Tentoo Insurances is again able to offer a discount of 8% on the basic insurance package and 10% on extended cover. This means we can offer you the opportunity to take out excellent quality health insurance at a very competitive rate.

The main benefits of ONVZ:

• Maximum freedom to choose your care provider or brand of medication
• De Zorgconsulent: offers assistance with waiting-list mediation, second opinions, information and/or advice about healthy living, foods and exercise.
• Information and advice about preventive courses
• Optimal service and full package of extended cover options
• Your current health insurance is cancelled on your behalf
• MijnONVZ: access to your insurance details and claims online

Tentoo and ONVZ have also agreed that you will be accepted without question for all extended cover options up to and including Optifit and Tandfit B.

Calculate your premium here.

For more information about the costs in 2011, see the premium table.
For an overview of the cover offered, see here.

If you would like more information about cover and premiums, contact Tentoo Insurances on +31(0)20 422 1270 or by This email address is being protected from spambots. You need JavaScript enabled to view it. .

If you apply for insurance now, you will receive the book ‘Zen and making choices' by Rients Ritskes (in Dutch). An inspiring book about how to make better decisions using less energy.

For everyone on our payroll, we offer a unique service to help you arrange a mortgage.

Tentoo Insurances has made arrangements with banks to give people who are payrolled by Tentoo the same advantages as people in permanent employment. None of the hassle of having to provide detailed accounts, you are simply regarded as a 'normal employee' with a fixed income. Sometimes a mortgage can even be arranged for a freelance employee who has only been payrolled by Tentoo for a short period. You too can own your own home!

At the moment we can offer you a mortgage with an extra interest discount of 0.1%, which means that your total saving on your interest could be up to 0.6%! We also arrange a free valuation of the home you are buying. This can save you thousands of Euros and a great deal of time and effort.

Many freelancers, flex-werkers and self-employed/zzp’ers have already arranged their mortgages through us, so we're now regarded as experts in the field. Perhaps we can open up the possibility of buying a home for you too!

If you are interested in taking advantage of our advice and service, contact us for more information or an appointment.

Email us on This email address is being protected from spambots. You need JavaScript enabled to view it. or call +31(0)20 422 1270

As a freelancer/flex-werker or self-employed/zzp'er you make little or no contribution to a pension. You need to organise your pension yourself. There are many ways to do this: save using a savings product offered by the bank, put money into a savings account, hide your money under the bed, invest in stocks and shares and the list goes on and on. The disadvantage of the methods mentioned so far is that there's no tax advantage, in fact you will have to pay tax on the money you've saved.

If you want to save for a pension, the best way is to put your money into an annuity scheme. This scheme will ensure that you receive regular payments from your 65th birthday onwards. The premiums you pay are tax deductible. This means that the taxman pays part of your premium.

An annuity scheme needs to be tailored to your personal situation. Tentoo Insurances can ensure that your pension arrangements correspond with your individual needs and wishes.

Unfortunately, few people take advantage of the possibilities offered by the salary savings scheme (spaarloonregeling).

The amount you save is held in a personal salary savings account and you are not allowed to withdraw it for 4 years. After 4 years you have access to the amount saved in the first year and you are free to use the money as you wish.

Of course, you can leave the money in the account and only take it out when you need it.

In a limited number of situations you can access the money you have saved at an earlier stage. For example, self-employed/zzp'ers and freelancers/flex-werkers are permitted to transfer the money (€613) into a private pension or annuity scheme each year.