Eezy Light entrepreneur’s insurances
It is important to us that all our light entrepreneurs are as well insured as possible. Therefore, our service fee includes the following light entrepreneur insurance policies:
- working time accident insurance (the deductible is 0 €)
- operational liability insurance (the deductible is 500 €), and
- consulting insurance (the deductible is 10% of the amount of the damage, but always at least 1,000 €).
Insurances provide security not only for the light entrepreneur but also for the light entrepreneur’s clients, and they are also required by many work clients.
When are the insurances valid?
The insurance policies of the light entrepreneur included in Eezy’s service fee take effect immediately after registration.
The accident insurance is valid for work performed in Finland. The liability insurance is valid worldwide, excluding the USA and Canada, Russia, Belarus, and Ukraine.
You can find more detailed terms and conditions below.
Taking out the YEL insurance, i.e. entrepreneur’s pension insurance, becomes timely only when your entrepreneurial activities meet the conditions for the YEL insurance. It is your responsibility to take out the YEL insurance and we will help you if you wish.
Working time accident insurance
Eezy Kevytyrittäjät Oy has taken a valid accident insurance while working as follows:
The insurance is valid for accidents that occurred during performed work. The insurance does not cover occupational diseases, business trips or longer-term compensation for loss of earnings, such as an accident pension.
The insurance covers:
- Medical expenses, necessary research expenses and medicines prescribed by a doctor without a euro ceiling.
- Travel and accommodation expenses and first aid equipment.
- Compensation for loss of earnings daily allowance for a maximum of 1 year after the accident. The amount of the daily allowance is based on the amount of earned income invoiced during the period, but no more than 85 € per day.
- Compensation for functional limitation, which is calculated in accordance with the Accidents at Work and Occupational Diseases Act. Compensation is always paid as a one-time payment (no more than 100 000€), not as ongoing compensation.
- Death, sum insured 25,000 €. The beneficiaries are relatives.
- Compensation period for all cases is 3 years from the date of the accident, unless otherwise stated.
The insurance terms and conditions contain restrictions. The insurance does not cover among other things: accident or family pension or rehabilitation allowance or other rehabilitation allowances.
How to report a claim
Reporting a claim is done by sending a claim report to If. Eezy Kevytyrittäjät’s insurance number for the claim report is 353-4978679-9.
Instructions to report a claim:
Report damages using the link provided: https://verkkopalvelu.tapiola.fi/a3/TapaturmaServiceWeb/app/#/?fe=bc66277a-d14c-465d-adfc-9a444db7d3fd
Read the service user guide:
Report your expenses paid by yourself through the expense reporting service: https://asiointi.lahitapiola.fi/kuluilmoitus/ An accident must always be reported according to the instructions above.
Read the expense reporting service guide:
Insurance coverage is based on the Insurance Contracts Act and the insurance terms and conditions. The insurance does not remove the possible obligation to acquire insurance according to the Occupational accident insurance and Occupational diseases Act.
Operational liability insurance and consultancy insurance
The service includes operational liability insurance, which covers possible personal and property damage to clients and third parties.
- The sum insured is 1 000 000 €.
- The deductible is 500 €.
The insurance contains restrictions and you can receive more detailed industry-specific information about the insurance terms and conditions from our customer service. Liability insurance covers, in accordance with the terms and conditions of the insurance, damages which the insured (light entrepreneur) is liable for under the applicable law.
Consultancy insurance
We have taken out consultant insurance for consultants. The insurance does not cover management consulting, condition assessment consulting or the activities of the manager in charge.
- The sum insured is 200,000 €.
- The deductible is 10% of the amount of the damage, but always at least 1,000 €.
- The insurance is continuous, i.e. it covers both the performance of the work and the possible warranty period.
How to report a liability claim
In case of damage, contact the liability claims handler directly by phone at +358 9 453 4150 or by email at suurasiakkaidenoma@lahitapiola.fi. Mention that you are a user of Eezy Kevytyrittäjät’s services and that you wish to report damage under Eezy Kevytyrittäjät’s insurance. Additionally, provide the insurance policy number: 312-1076044-C.
When filing the report, make sure you have detailed information about the damage: what happened, when it occurred, details of the affected parties, and an estimate of the extent of the damage.
YEL insurance for light entrepreneurs, i.e. entrepreneur’s pension insurance
Light entrepreneurs, i.e. users of invoicing services, are classified as entrepreneurs for the purposes of pension insurance. This means that you are responsible for arranging your own pension insurance with the YEL insurance if your entrepreneurial activity meets the conditions for the YEL insurance.
We have made YEL insurance as straightforward as possible, and you can handle the YEL insurance conveniently through Eezy from the employment pension company Elo. The YEL insurance payment is individual and is not included in Eezy’s service fee. You can deduct the YEL insurance payments in your personal taxation.
Read more about the YEL insurance and how you can take out YEL insurance through Eezy.
