{"id":20478,"date":"2022-10-12T16:27:22","date_gmt":"2022-10-12T14:27:22","guid":{"rendered":"https:\/\/www.factofly.com\/?p=20478"},"modified":"2023-09-19T14:54:30","modified_gmt":"2023-09-19T12:54:30","slug":"insurance-as-self-employed","status":"publish","type":"post","link":"https:\/\/www.factofly.com\/en\/blog\/forsikring-som-selvstaendig\/","title":{"rendered":"Insurance as self-employed"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:104%;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><h2><strong>Get a handle on how you should be covered as a self-employed person<\/strong><\/h2>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:104%;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-2\"><p><span style=\"font-weight: 400;\">When you have jumped out as happy <\/span><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.factofly.com\/en\/self-employed\/\">self employed<\/a><\/span><span style=\"font-weight: 400;\">, you should be aware that your private insurance no longer covers you. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can&#039;t avoid upgrading a bit here. If you want a quick overview of your needs as a self-employed person, you can try this <\/span><a href=\"https:\/\/www.if.dk\/erhverv\/erhvervsforsikring\/forsikringshjalpen\"><span style=\"font-weight: 400;\">online insurance guide<\/span><\/a><span style=\"font-weight: 400;\">, where you answer a few questions about your company and get your needs mapped out. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you want to go a little more in depth in the search for the right mix, you can follow along here, where we give you an overview of the legally required and most recommended <a href=\"https:\/\/www.factofly.com\/en\/features\/insurance\/\">insurances<\/a>, which you as a self-employed person have to deal with.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-color:var(--awb-color3);--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:104%;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-padding-bottom:5%;--awb-padding-left:5%;--awb-overflow:hidden;--awb-bg-size:cover;--awb-border-color:rgba(226,226,226,0.69);--awb-border-top:1px;--awb-border-right:1px;--awb-border-bottom:1px;--awb-border-left:1px;--awb-border-style:solid;--awb-border-radius:5px 5px 5px 5px;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-3\"><h4>Contents<\/h4>\n<p><strong><a href=\"#lovpligtigeforsikringer\">Statutory insurance as self-employed<\/a><br \/>\n<\/strong><\/p>\n<ul>\n<li data-fontsize=\"32\" data-lineheight=\"41.599998474121094px\"><strong>Workers&#039; compensation insurance<br \/>\n<\/strong><\/li>\n<li data-fontsize=\"32\" data-lineheight=\"41.599998474121094px\"><strong>Motor liability insurance<br \/>\n<\/strong><\/li>\n<li data-fontsize=\"32\" data-lineheight=\"41.599998474121094px\"><strong>Professional liability insurance<br \/>\n<\/strong><\/li>\n<li data-fontsize=\"32\" data-lineheight=\"41.599998474121094px\"><strong>Property insurance<br \/>\n<\/strong><\/li>\n<\/ul>\n<p data-fontsize=\"32\" data-lineheight=\"41.599998474121094px\"><strong><a href=\"#erhvervsforsikringer\">Business insurance you can consider<\/a><br \/>\n<\/strong><\/p>\n<p class=\"fusion-responsive-typography-calculated\" data-fontsize=\"23\" data-lineheight=\"29.899999618530273px\"><strong><a href=\"#omkostning\">Insurance cost<\/a><br \/>\n<\/strong><\/p>\n<p class=\"fusion-responsive-typography-calculated\" data-fontsize=\"23\" data-lineheight=\"29.899999618530273px\"><strong><a href=\"#fradragforsikring\">Deduction for business insurance<\/a><br \/>\n<\/strong><\/p>\n<p class=\"fusion-responsive-typography-calculated\" data-fontsize=\"23\" data-lineheight=\"29.899999618530273px\"><strong><a href=\"#forsikringsygdom\">Insurance against illness<\/a><br \/>\n<\/strong><\/p>\n<p class=\"fusion-responsive-typography-calculated\" data-fontsize=\"23\" data-lineheight=\"29.899999618530273px\"><strong><a href=\"#forsikringloen\">Salary protection<\/a><\/strong><\/p>\n<\/div><\/div><\/div><\/div><\/div><div id=\"lovpligtigeforsikringer\" class=\"fusion-container-anchor\"><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:104%;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-4\"><h4 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"32\" data-lineheight=\"41.599998474121094px\"><strong>Statutory insurance as self-employed<\/strong><\/h4>\n<\/div><div class=\"fusion-text fusion-text-5\"><p><span style=\"font-weight: 400;\">Some commercial insurances are required by law and others act as a safety net, which you can choose to turn on or off. Exactly which ones you need depends on how your business is set up.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Let&#039;s look at the most common commercial insurance policies first:<\/span><\/p>\n<\/div><style type='text\/css'>.reading-box-container-1 .element-bottomshadow:before,.reading-box-container-1 .element-bottomshadow:after{opacity:0.7;}<\/style><div class=\"fusion-reading-box-container reading-box-container-1\" style=\"--awb-title-color:var(--awb-color8);--awb-margin-top:20px;--awb-margin-bottom:20px;\"><div class=\"reading-box\" style=\"background-color:var(--awb-color2);border-width:1px;border-color:rgba(226,226,226,0);border-left-width:3px;border-left-color:var(--primary_color);border-style:solid;\"><a class=\"button fusion-button button-default fusion-button-default-size button-default-size button-flat fusion-desktop-button fusion-tagline-button continue fusion-desktop-button-margin continue-right\" style=\"-webkit-box-shadow:none;-moz-box-shadow:none;box-shadow:none;border-radius:13px 13px 13px 13px\" href=\"https:\/\/app.factofly.com\/?screen_hint=signup&amp;referral_id=blog_forsikringsomselvstaendig\" target=\"_self\"><span>Create a free user<\/span><\/a><h2>Be insured while working with Factofly<\/h2><div class=\"reading-box-additional fusion-reading-box-additional\">\n<p>Use Factofly to get paid and invoice without your own company. You are fully covered during work through our insurances. Create a free profile and get started right away.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><a class=\"button fusion-button button-default fusion-button-default-size button-default-size button-flat fusion-mobile-button continue-right\" style=\"-webkit-box-shadow:none;-moz-box-shadow:none;box-shadow:none;border-radius:13px 13px 13px 13px\" href=\"https:\/\/app.factofly.com\/?screen_hint=signup&amp;referral_id=blog_forsikringsomselvstaendig\" target=\"_self\"><span>Create a free user<\/span><\/a><\/div><\/div><div class=\"fusion-text fusion-text-6\"><h5 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"32\" data-lineheight=\"41.599998474121094px\"><strong>Workers&#039; compensation insurance<\/strong><\/h5>\n<\/div><div class=\"fusion-text fusion-text-7\"><p><span style=\"font-weight: 400;\">If you have employees in your company, you must have occupational injury insurance \u2013 in everyday terms, workers&#039; compensation insurance. Your insurance obligation applies here, regardless of whether your employees are paid or not. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">If they are injured while working for you, workers&#039; compensation insurance can help with the costs of treatment and rehabilitation, compensation for lost working capacity, compensation for permanent disability and the like. You would like help with that.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If your company is organized as an ApS, A\/S or cooperative, you are also obliged to buy workers&#039; compensation insurance, which also covers yourself. Whether you have employees or not.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Forsikringsguiden.dk tells you everything there is <\/span><a href=\"https:\/\/forsikringsguiden.dk\/forsikringsoplysningen\/vaerd-at-vide-om-forsikring\/job\/arbejdsskadeforsikring\/\"><span style=\"font-weight: 400;\">worth knowing about workers compensation insurance<\/span><\/a><span style=\"font-weight: 400;\"> incl. how to buy it.<\/span><\/p>\n<\/div><div class=\"fusion-text fusion-text-8\"><h5 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"32\" data-lineheight=\"41.599998474121094px\"><strong>Motor liability insurance<\/strong><\/h5>\n<\/div><div class=\"fusion-text fusion-text-9\"><p><span style=\"font-weight: 400;\">Your regular car insurance does not cover your company car. There you must have motor liability insurance, which with many insurance companies also includes comprehensive insurance.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you are a self-employed craftsman, you probably also need to have transport insurance for all the equipment you carry around on the roads.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">On the other hand, in many cases you can <\/span><a href=\"https:\/\/www.factofly.com\/en\/blog\/driving-allowance-as-self-employed\/\"><span style=\"font-weight: 400;\">deduct driving from tax<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<\/div><div class=\"fusion-text fusion-text-10\"><h5 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"32\" data-lineheight=\"41.599998474121094px\"><strong>Professional liability insurance<\/strong><\/h5>\n<\/div><div class=\"fusion-text fusion-text-11\"><p><span style=\"font-weight: 400;\">Is professional liability insurance mandatory for you as a self-employed person? No, not really. But it is what you would call a really good idea. Especially if you work outside with customers, e.g. as a craftsman.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you or your employees injure someone or something while you are working, your professional liability insurance will cover the damages. Alternatively, you yourself are responsible for all the misery.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can choose to expand with product liability insurance if you have a product or service that could potentially cause damage after it has been sold.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can find out more here <\/span><a href=\"https:\/\/forsikringsguiden.dk\/forsikringsoplysningen\/vaerd-at-vide-om-forsikring\/job\/selvstaendige-og-forsikring\/erhvervsansvarsforsikring\/\"><span style=\"font-weight: 400;\">professional liability insurance<\/span><\/a><span style=\"font-weight: 400;\"> and see if it&#039;s for you.<\/span><\/p>\n<\/div><div class=\"fusion-text fusion-text-12\"><h5 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"32\" data-lineheight=\"41.599998474121094px\"><strong>Property insurance<\/strong><\/h5>\n<\/div><div class=\"fusion-text fusion-text-13\"><p><span style=\"font-weight: 400;\">Property insurance is not required by law as a self-employed person, but if you have a certain amount of furniture and equipment for business use, it is relevant to take a closer look. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Your private contents insurance does not cover here.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Whether chattel insurance makes sense for you depends of course on how much furniture and equipment you have and how big a risk you yourself are prepared to bear. But should you be unlucky enough to be hit by a burglary, fire or water damage, property insurance is your best friend. <\/span><\/p>\n<\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:20px;width:100%;\"><div class=\"fusion-separator-border sep-double\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:rgba(255,255,255,0);border-color:rgba(255,255,255,0);border-top-width:1px;border-bottom-width:1px;\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div id=\"erhvervsforsikringer\" class=\"fusion-container-anchor\"><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:104%;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-14\"><h4 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"32\" data-lineheight=\"41.599998474121094px\"><strong>Business insurance you can consider<\/strong><\/h4>\n<\/div><div class=\"fusion-text fusion-text-15\"><p>In general, most people are well covered by the above insurances. But insurance needs are individual. You can also consider the following commercial insurances:<\/p>\n<p><b>Online banking insurance:\u00a0<\/b>Covers your loss if your business account is hacked.<\/p>\n<p><b>Health insurance:\u00a0<\/b>Covers advice and treatment at private doctors and private hospitals.<\/p>\n<p><b>Advisor insurance:\u00a0<\/b>Covers your liability if you, as an advisor, are to blame for a client&#039;s loss of property.<\/p>\n<\/div><div class=\"fusion-text fusion-text-16\"><p><span style=\"font-weight: 400;\">The insurance jungle is big and there are many places where you can get lost. Want 100%\u00a0<\/span><span style=\"font-weight: 400;\">assurance that you are covered by all the statutory and recommended insurances that apply to exactly your business, so get hold of your insurance company or a business adviser you trust.<\/span><\/p>\n<\/div><style type='text\/css'>.reading-box-container-2 .element-bottomshadow:before,.reading-box-container-2 .element-bottomshadow:after{opacity:0.7;}<\/style><div class=\"fusion-reading-box-container reading-box-container-2\" style=\"--awb-title-color:var(--awb-color8);--awb-margin-top:20px;--awb-margin-bottom:20px;\"><div class=\"reading-box\" style=\"background-color:var(--awb-color2);border-width:1px;border-color:rgba(226,226,226,0);border-left-width:3px;border-left-color:var(--primary_color);border-style:solid;\"><a class=\"button fusion-button button-default fusion-button-default-size button-default-size button-flat fusion-desktop-button fusion-tagline-button continue fusion-desktop-button-margin continue-right\" style=\"-webkit-box-shadow:none;-moz-box-shadow:none;box-shadow:none;border-radius:13px 13px 13px 13px\" href=\"https:\/\/app.factofly.com\/?screen_hint=signup&amp;referral_id=blog_forsikringsomselvstaendig\" target=\"_self\"><span>Create a free user<\/span><\/a><h2>Be insured while working with Factofly<\/h2><div class=\"reading-box-additional fusion-reading-box-additional\">\n<p>Use Factofly to get paid and invoice without your own company. You are fully covered during work through our insurances. Create a free profile and get started right away.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><a class=\"button fusion-button button-default fusion-button-default-size button-default-size button-flat fusion-mobile-button continue-right\" style=\"-webkit-box-shadow:none;-moz-box-shadow:none;box-shadow:none;border-radius:13px 13px 13px 13px\" href=\"https:\/\/app.factofly.com\/?screen_hint=signup&amp;referral_id=blog_forsikringsomselvstaendig\" target=\"_self\"><span>Create a free user<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div id=\"omkostning\" class=\"fusion-container-anchor\"><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-6 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:104%;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-17\"><h4><strong>How much does insurance cost as a self-employed person?<\/strong><\/h4>\n<\/div><div class=\"fusion-text fusion-text-18\"><p><span style=\"font-weight: 400;\">The price of your insurance obviously depends on your needs. If you want a quick estimate of the price, you can try this <\/span><a href=\"https:\/\/www.topdanmark.dk\/erhverv\/erhvervsforsikringer\/selvstaendig\/\"><span style=\"font-weight: 400;\">insurance calculator<\/span><\/a><span style=\"font-weight: 400;\">, which estimates a price for your commercial insurance with just a few clicks.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A basic insurance for smaller companies typically contains the statutory workers&#039; compensation insurance as well as relevant insurances such as professional liability, legal aid insurance, personal property insurance and online banking insurance.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In a concrete example from Topdanmark&#039;s insurance calculator, basic insurance for an ApS company with less than 5 employees costs DKK 469 per person. month.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For a sole proprietorship without employees, the basic insurance costs DKK 327 per person. month.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These are, of course, average base prices. Your price depends on your specific needs. At Find-erhvervsforsikring.dk you can <\/span><a href=\"https:\/\/www.find-erhvervsforsikring.dk\/\"><span style=\"font-weight: 400;\">compare 3 insurance offers<\/span><\/a><span style=\"font-weight: 400;\"> and choose the offer that suits you best.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Remember to factor the price of your insurance into your fixed costs when you set yours <\/span><a href=\"https:\/\/www.factofly.com\/en\/blog\/salary-as-a-freelancer\/\"><span style=\"font-weight: 400;\">salary as self-employed<\/span><\/a><span style=\"font-weight: 400;\">. The list of hidden costs can quickly drain the salary account if it is not included in the big calculation.<\/span><\/p>\n<\/div><style type='text\/css'>.reading-box-container-3 .element-bottomshadow:before,.reading-box-container-3 .element-bottomshadow:after{opacity:0.7;}<\/style><div class=\"fusion-reading-box-container reading-box-container-3\" style=\"--awb-title-color:var(--awb-color8);--awb-margin-top:20px;--awb-margin-bottom:20px;\"><div class=\"reading-box\" style=\"background-color:var(--awb-color2);border-width:1px;border-color:rgba(226,226,226,0);border-left-width:3px;border-left-color:var(--primary_color);border-style:solid;\"><a class=\"button fusion-button button-default fusion-button-default-size button-default-size button-flat fusion-desktop-button fusion-tagline-button continue fusion-desktop-button-margin continue-right\" style=\"-webkit-box-shadow:none;-moz-box-shadow:none;box-shadow:none;border-radius:13px 13px 13px 13px\" href=\"https:\/\/app.factofly.com\/?screen_hint=signup&amp;referral_id=blog_forsikringsomselvstaendig\" target=\"_self\"><span>Create a free user<\/span><\/a><h2>Be insured while working with Factofly<\/h2><div class=\"reading-box-additional fusion-reading-box-additional\">\n<p>Use Factofly to get paid and invoice without your own company. You are fully covered during work through our insurances. Create a free profile and get started right away.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><a class=\"button fusion-button button-default fusion-button-default-size button-default-size button-flat fusion-mobile-button continue-right\" style=\"-webkit-box-shadow:none;-moz-box-shadow:none;box-shadow:none;border-radius:13px 13px 13px 13px\" href=\"https:\/\/app.factofly.com\/?screen_hint=signup&amp;referral_id=blog_forsikringsomselvstaendig\" target=\"_self\"><span>Create a free user<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div id=\"fradragforsikring\" class=\"fusion-container-anchor\"><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-7 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-color:var(--awb-color8);--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:104%;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-19\"><h4><strong>Can I deduct business insurance from tax?<\/strong><\/h4>\n<\/div><div class=\"fusion-text fusion-text-20\"><p><span style=\"font-weight: 400;\">Do you have it under control? <\/span><a href=\"https:\/\/www.factofly.com\/en\/blog\/tax-as-a-freelancer\/\"><span style=\"font-weight: 400;\">tax and tax deductions as a self-employed person<\/span><\/a><span style=\"font-weight: 400;\">?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Tax deductions are one of the small joys we have as self-employed people. And so there is also little to be gained from your business insurance.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can deduct expenses for insurances that help to create, secure or maintain income from the company&#039;s operations. How should it then be interpreted? This will typically be about your liability insurance or insurance against fire, theft and operating loss.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can geek out a lot more <\/span><a href=\"https:\/\/skat.dk\/data.aspx?oid=2083508&amp;chk=218293\"><span style=\"font-weight: 400;\">business taxation<\/span><\/a><span style=\"font-weight: 400;\"> on the Tax website.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div id=\"forsikringsygdom\" class=\"fusion-container-anchor\"><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-8 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:104%;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-21\"><h4><strong>Insurance against illness as a self-employed person<\/strong><\/h4>\n<\/div><div class=\"fusion-text fusion-text-22\"><p><span style=\"font-weight: 400;\">As a self-employed person, you are very dependent on your own ability to make an effort. Therefore, illness may well become a concern. Fortunately, you are not completely without options.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can basically apply for sickness allowance after 2 weeks of illness if you are a member of an A-kasse. You can also sign up for sickness benefit insurance, which gives you access to sickness benefit already after the 1st or 3rd day of illness.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At Virk.dk you can get an overview of which <\/span><a href=\"https:\/\/virk.dk\/vejledning\/sygedagpengeforsikring\/sdf-selvstaendig-sygedagpengeforsikring\/\"><span style=\"font-weight: 400;\">sickness benefit insurance<\/span><\/a><span style=\"font-weight: 400;\"> there is the right one for you. It depends, among other things, on the type of business you have.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you are going on maternity leave as a self-employed person, you also have the opportunity to apply <\/span><a href=\"https:\/\/virk.dk\/vejledning\/ba-barselsdagpenge\/ba-selvstaendig\/\"><span style=\"font-weight: 400;\">maternity allowance<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<\/div><style type='text\/css'>.reading-box-container-4 .element-bottomshadow:before,.reading-box-container-4 .element-bottomshadow:after{opacity:0.7;}<\/style><div class=\"fusion-reading-box-container reading-box-container-4\" style=\"--awb-title-color:var(--awb-color8);--awb-margin-top:20px;--awb-margin-bottom:20px;\"><div class=\"reading-box\" style=\"background-color:var(--awb-color2);border-width:1px;border-color:rgba(226,226,226,0);border-left-width:3px;border-left-color:var(--primary_color);border-style:solid;\"><a class=\"button fusion-button button-default fusion-button-default-size button-default-size button-flat fusion-desktop-button fusion-tagline-button continue fusion-desktop-button-margin continue-right\" style=\"-webkit-box-shadow:none;-moz-box-shadow:none;box-shadow:none;border-radius:13px 13px 13px 13px\" href=\"https:\/\/app.factofly.com\/?screen_hint=signup&amp;referral_id=blog_forsikringsomselvstaendig\" target=\"_self\"><span>Create a free user<\/span><\/a><h2>Be insured while working with Factofly<\/h2><div class=\"reading-box-additional fusion-reading-box-additional\">\n<p>Use Factofly to get paid and invoice without your own company. You are fully covered during work through our insurances. Create a free profile and get started right away.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><a class=\"button fusion-button button-default fusion-button-default-size button-default-size button-flat fusion-mobile-button continue-right\" style=\"-webkit-box-shadow:none;-moz-box-shadow:none;box-shadow:none;border-radius:13px 13px 13px 13px\" href=\"https:\/\/app.factofly.com\/?screen_hint=signup&amp;referral_id=blog_forsikringsomselvstaendig\" target=\"_self\"><span>Create a free user<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div id=\"forsikringloen\" class=\"fusion-container-anchor\"><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-9 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:104%;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-8 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-23\"><h4><strong>Salary protection as a self-employed person<\/strong><\/h4>\n<\/div><div class=\"fusion-text fusion-text-24\"><p><span style=\"font-weight: 400;\">If you are on long-term sick leave or unable to work for other reasons, you may end up in a situation where you have to sell the company or go bankrupt. Phew, it wasn&#039;t nice. But luckily for you, there is something called <\/span><a href=\"https:\/\/dinero.dk\/tips\/loensikring-selvstaendig\/\"><span style=\"font-weight: 400;\">salary guarantee<\/span><\/a><span style=\"font-weight: 400;\">. It is a type of insurance that you can purchase from A-kassen or your insurance company and which can come into force if you are unable to pay yourself a salary for a period of time.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In 2022, the highest daily allowance rate is DKK 19,351 per month. If you need a larger monthly income, to keep afloat in tight times, salary guarantee may be the way forward.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With salary insurance, you can therefore secure your income and pay your fixed expenses when the whole crap is over, while you take a deep breath and find your feet again. Because even if you are down, you are not necessarily out. Check out ours <\/span><a href=\"https:\/\/www.factofly.com\/en\/blog\/keep-your-customers-bankruptcy-doesnt-mean-goodbye\/\"><span style=\"font-weight: 400;\">guide to retaining customers<\/span><\/a><span style=\"font-weight: 400;\">, even if you have to turn the key.<\/span><\/p>\n<\/div><style type='text\/css'>.reading-box-container-5 .element-bottomshadow:before,.reading-box-container-5 .element-bottomshadow:after{opacity:0.7;}<\/style><div class=\"fusion-reading-box-container reading-box-container-5\" style=\"--awb-title-color:var(--awb-color8);--awb-margin-top:20px;--awb-margin-bottom:20px;\"><div class=\"reading-box\" style=\"background-color:var(--awb-color2);border-width:1px;border-color:rgba(226,226,226,0);border-left-width:3px;border-left-color:var(--primary_color);border-style:solid;\"><a class=\"button fusion-button button-default fusion-button-default-size button-default-size button-flat fusion-desktop-button fusion-tagline-button continue fusion-desktop-button-margin continue-right\" style=\"-webkit-box-shadow:none;-moz-box-shadow:none;box-shadow:none;border-radius:13px 13px 13px 13px\" href=\"https:\/\/app.factofly.com\/?screen_hint=signup&amp;referral_id=blog_forsikringsomselvstaendig\" target=\"_self\"><span>Create a free user<\/span><\/a><h2>Be insured while working with Factofly<\/h2><div class=\"reading-box-additional fusion-reading-box-additional\">\n<p>Use Factofly to get paid and invoice without your own company. You are fully covered during work through our insurances. Create a free profile and get started right away.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><a class=\"button fusion-button button-default fusion-button-default-size button-default-size button-flat fusion-mobile-button continue-right\" style=\"-webkit-box-shadow:none;-moz-box-shadow:none;box-shadow:none;border-radius:13px 13px 13px 13px\" href=\"https:\/\/app.factofly.com\/?screen_hint=signup&amp;referral_id=blog_forsikringsomselvstaendig\" target=\"_self\"><span>Create a free user<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/p>","protected":false},"excerpt":{"rendered":"","protected":false},"author":321,"featured_media":21839,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[96],"tags":[95],"class_list":["post-20478","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guides","tag-guide"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Forsikring som selvst\u00e6ndig<\/title>\n<meta name=\"description\" content=\"Din guide til alt du skal have styr p\u00e5, n\u00e5r du skal have den rigtige d\u00e6kning og s\u00f8ger forsikring som selvst\u00e6ndig.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.factofly.com\/en\/blog\/insurance-as-self-employed\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Forsikring som selvst\u00e6ndig\" \/>\n<meta property=\"og:description\" content=\"Din guide til alt du skal have styr p\u00e5, n\u00e5r du skal have den rigtige d\u00e6kning og s\u00f8ger forsikring som selvst\u00e6ndig.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.factofly.com\/en\/blog\/insurance-as-self-employed\/\" \/>\n<meta property=\"og:site_name\" content=\"Factofly\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Factofly\/\" \/>\n<meta property=\"article:published_time\" content=\"2022-10-12T14:27:22+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-09-19T12:54:30+00:00\" \/>\n<meta name=\"author\" content=\"Jeppe Borg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jeppe Borg\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"24 minutes\" \/>\n<script type=\"application\/ld+json\" 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Jeppe skriver om alle facetter af freelancelivet, fra hvordan du promoverer dig selv, til at lukke kundem\u00f8det. Hans tilgang er altid forankret i praktiske taktikker, der kan kopieres direkte ind i din egen freelance forretning. Jeppe har en bred professionel baggrund med en karriere, der startede i tobaksbranchen hos British American Tobacco (BAT), en cand.merc fra Copenhagen Business School (CBS), samt l\u00e6ngere ophold i b\u00e5de Tyskland og Kina. Som s\u00e5 mange andre, fandt Jeppe ikke lykken i en stor corporate, og fulgte sit kald mod startup verdenen. Det ledte f\u00f8rst til den popul\u00e6re off-grid event serie under navnet The Hut, der m\u00f8dte sit endeligt under covid-19 nedlukningerne. Herefter entrerede Jeppe med det internationale venture studio, Rainmaking, som CMO for nordens st\u00f8rste rekrutteringsplatform for startups, The Hub. 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