Freelance with or without social security
It’s up to you at Tentoo!
As a freelancer, you have the freedom to do what you’re good at. At Tentoo, you have the freedom to choose whether you want to freelance with or without social security. Why pay for insurance in case of illness, unemployment, and disability if it’s not necessary for you right now? But even if you have many short-term assignments or are financially well-off, it can be beneficial to freelance without social security. Whatever you decide, Tentoo adapts to your needs.
Boost your net income
Freelance without social security!
Do you work for multiple clients and mostly have short-term assignments, such as for a day or a few hours? In that case, it may be beneficial to freelance without social security. You won’t have to pay social security contributions and will receive a higher net income. However, you will need to ensure that you build up a buffer in case of illness, unemployment, or disability. But if you earn up to 20% more, you’ll also keep more in your pocket.
“Besides my regular job as an office manager, I also have a successful home-based cake shop. Especially in spring and summer, I make a lot of wedding cakes. This is a nice side income, so there is no need to build up social security. And that way, I have more net income.”
– Danila de Vriesch
To have or not to have social security?
This is the difference
What is actually the difference between freelancing with and without social security? We have put both options side by side for you. Whatever you choose, you can always rely on us. We ensure that you can do what you’re good at without worrying about your financial administration.
Freelance through Tentoo without social security means:
- No contribution for employee insurance
You don’t receive social benefits. Therefore, it is not necessary to pay for them. - Contribution to Health Insurance Act (Zorgverzekeringswet)
As an employer, we handle the tax/insurance contributions and the ZVW contribution. - Up to 20% higher net income
Since you don’t use employee insurance, you receive a higher net income.
Freelance through Tentoo with social security means:
- Contribution for employee insurance (WW/WIA/ZW)
You gain social benefits through us. - Contribution to Health Insurance Act (Zorgverzekeringswet)
As an employer, we take care of the tax/insurance contributions and the ZVW contribution. - Lower net income
Due to the premium contributions, you receive a lower net income, but you don’t have to worry about income.
Is freelancing without social security right for me?
Discover if freelancing without social security is the right choice for you. In this FAQ, we tell you how to determine suitability and how Tentoo can assist you. Or take the test and find out what package we have that suits your situation perfectly!
At Tentoo, we always strive to find the best solution for you. We assess your employment status, the basis of your work, and your expected availability. A simple calculation quickly determines whether freelancing without social security is advisable. However, we also consider you as an individual and how you handle risks. The most important thing is that you can undertake your activities without worries.
If you are not yet registered with Tentoo, it’s simple: you sign up and indicate right away that you want to operate without social security. In close consultation with you, we will take care of everything. If you are already working through Tentoo and want to switch to operating without social security, please consult your dedicated contact person. If it turns out to be a suitable transition for you, we will take care of the rest.
Of course, your situation can always change. You may receive an irresistible offer for a longer-term engagement, or there may be changes in your personal circumstances. Together, we will assess the possibilities at that time and determine whether it’s wiser to resume freelancing with social security. If that’s the case, we will handle the necessary arrangements for you. However, we prefer to make a well-considered decision beforehand. Therefore, we invest considerable care and time in your registration to ensure that both you and we are confident in your final choice. We will always provide honest advice because the most important thing is that you can run your business without worries.
I want to freelance without social security
Does freelancing without social security suit you? You are warmly welcome at Tentoo! We will gladly take care of all the necessary arrangements and explore the possibilities together with you. Whether you prefer to have social security coverage or opt for insurance through Alicia for professional liability, accidents, and more, Tentoo will adapt to your needs.
Alicia, insurance exclusively tailored to your needs
As a freelancer, you want to focus on what you’re good at without worrying about potential risks. Fortunately, you can now freelance with insurance coverage through Alicia. With insurance options that align with your specific needs, Alicia provides the coverage you require as a freelancer with maximum flexibility. Whether you’re a digital nomad and the whole world is your workplace or you seek protection in case of a potential professional error, Alicia has the solution.