JW Verzekeringen Expands Coverage Portfolio Tailored to Non Dutch Entrepreneurs

September 23, 2025 at 17:00 PM EDT

The Netherlands is a popular place for international entrepreneurs who want to build a business in a stable, innovation-friendly environment. With a strong economy, excellent infrastructure and a government that actively supports entrepreneurship, the country offers a solid foundation for starting or expanding a business. Whether you’re from within the EU or from outside Europe, the Dutch system provides clear legal and financial frameworks, streamlined registration procedures and access to a broad international market. However, setting up a business also means complying with Dutch laws and understanding your rights and responsibilities as a foreign entrepreneur. From immigration and permits to taxes and insurance, there are important rules and practical steps you need to be aware of before launching your venture.

Do you need insurance as a business owner?

If you start operating as a self-employed professional in the Netherlands, it’s important to consider business-related insurance. For example, if you use a vehicle for business purposes, you’ll likely need a proper zakelijke autoverzekering (business car insurance). This ensures you are covered for liability and damages while on the road, and it’s often a requirement if your business activities involve regular travel or transport.

Insuring a commercial van or company vehicle

Many entrepreneurs also drive a company van or delivery vehicle. In that case, you’ll need a separate policy tailored to commercial use. A bestelauto verzekeren (van insurance) offers coverage that matches the risks associated with transporting tools, goods or equipment. This is especially relevant for tradespeople, couriers or construction professionals who rely on their vehicle every day.

Who can start a business in the Netherlands?

Entrepreneurs from the EU, EEA or Switzerland can live and work in the Netherlands without needing a visa or residence permit. All you need is a valid ID or passport and registration with the Dutch Chamber of Commerce. If you’re from outside Europe, you’ll need a residence permit. The Dutch Immigration and Naturalisation Service (IND) assesses your application based on the business’s added value to the Dutch economy.

Start-up visa or self-employment permit

If your business idea is innovative, you may qualify for the Dutch start-up visa a one-year permit that gives you time to build your company with the support of a recognized facilitator. Alternatively, if you already have a solid business plan and experience, you can apply for a self-employment permit. This is evaluated on criteria such as your education, track record and potential to contribute to the economy.

Your obligations as an entrepreneur

As a self-employed person in the Netherlands, you must register your business with the Dutch Chamber of Commerce (KvK), file income tax and VAT returns, and take care of your own insurance and pension arrangements. This includes health insurance, liability insurance, and in many cases, disability or business interruption coverage. Unlike salaried employees, you are personally responsible for building financial security for the future including retirement savings and coverage in case of illness or accidents. You are also expected to set up clear contracts and general terms of service with your clients to avoid misunderstandings and legal issues. For many entrepreneurs, the official government platform business.gov.nl is a valuable starting point. It provides reliable and up-to-date information on all legal obligations, application procedures, and useful tools all conveniently available in English, and specifically aimed at foreign entrepreneurs looking to establish a business in the Netherlands.

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JW Verzekeringen Expands Coverage Portfolio Tailored to Non Dutch Entrepreneurs

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