A schenkkring and broodfonds are both alternatives of the traditional disability insurance in the Netherlands (AOV). Both a schenkkring and broodfonds contain of a group of self-employed people who together create a safety net. Read this Wiki to find out more about the difference between the two AOV alternatives and if they might be applicable to you.

Although an AOV may not be something you think about first when starting your own business. However, this does not make the AOV any less important. Whether this insurance applies to your situation or not you will read here.

The Dutch disability insurance (AOV) is an insurance designed to guarantee an income for self-employed people in case of disability. If you are insured and unable to work due to illness, injury or disability, the AOV provides financial support.

Taking out a disability insurance is not only relevant but also important to business owners. Besides the traditional AOV there are also plenty of alternative options. In this Wiki we will discuss the voluntary insurance with the UWV, the Vangnet insurance, and the Bijstand voor zelfstandigen