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Mandatory occupational disability insurance (AOV) for self-employed professionals

This information is provided by:Netherlands Enterprise Agency, RVONetherlands Enterprise Agency, RVONederlandse versieEffective date: 1 January 2027

What changes?

Are you a self-employed professional (zzp'er)? You will be obliged to take out insurance against occupational disability (arbeidsongeschiktheidsverzekering, AOV).

The government has made this change in law as part of the Pension Agreement (in Dutch). This way, self-employed professionals are better protected. The change in law also reduces potential costs and risks for the public.

For whom?

  • self-employed professionals


It is expected this change in law will come into effect on 1 January 2027.

Please note: The effective date of this measure is not yet final. Entry into force is subject to its passing through the upper and lower houses of parliament or proclamation of the Order in Council (Algemene Maatregel van Bestuur, AMvB) or ministerial decree and publication in the Staatsblad or Staatscourant (Government Gazette, in Dutch).

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