Two-thirds of independent construction workers are uninsured

The number of insureds has been halved in recent years

With premiums rising in recent years, only a third of construction workers are insured. For older construction workers (over age 45), it is often even impossible to conclude an OVC. According to Trouw, Trouw wrote this on the basis of independent investigations on construction.

Eight years ago, in 2010, more than 70% of Zelfstandigen Bouw members were insured against illness and accidents. Today, this percentage has been reduced by more than half, to reach 31%.

About 19% of the self-employed are insured, but this includes all freelancers who do much less work and less risky than construction workers. [19659005] Refused

According to Zelfstandigen Bouw, insurance companies refuse construction workers because they are at a relatively high risk of being unfit for work. If they can make sure themselves, their premium is usually very high. It was already known that self-employed workers in the construction industry were excluded from insurance after the age of 16.

The AWVN employers' organization pleaded last month in favor of mandatory disability insurance for all workers, including the self-employed. This has attracted a lot of criticism from zzp & # 39; ers.

Causes

The AWVN also indicates that the crisis is causing the decline in the number of freelance writers. At that time, the self-employed opted for an expensive professional disability insurance policy in order to be able to lower their rates while still being able to find work.

Verhoef van Zelfstandigen Bouw mainly refers to insurers. "In the crisis, premiums for people working in the construction sector increased by forty to fifty percent." Velen then withdrew. "

The Association of Insurers states that there is no question of insurers refusing. "It's too hard, but the premium has to match what you're doing and then it's going to be very high sometimes," a spokesman said. "It must come from latitude or longitude."

According to Self-Employed Construction, a professional disability insurance for the heavier professions will cost between 500 and 600 euros per month. independent freelancers not insured. Construction workers who can no longer work due to illness or accident benefit from assistance. It can take a lot of time. People may have to eat their own home and have nothing left.