Protect your start-up in the Netherlands: why proper employee insurance matters
Starting or expanding your business to the Netherlands? Congratulations — you’re entering one of Europe's most innovative and opportunity-rich markets. But beyond product launches and hiring your first employees, there's a critical compliance step that should not be overlooked: properly insuring your employees.
Why sick leave coverage is crucial in the Netherlands
Unlike many other countries, Dutch law requires employers to continue paying employee salaries during sick leave — sometimes up to two years. For a growing start-up, this obligation can quickly become financially challenging.
Without proper sick leave and disability insurance, you risk:
- Covering long-term salaries from your own cash flow
- Facing financial instability during employee illnesses
- Falling out of compliance with Dutch employment law
Start-ups often focus their resources on growth. But smart founders know that protecting what you build — your people and your capital — is just as essential.
Tailored insurance and pension support for start-ups
At Wesselman, we specialize in guiding international entrepreneurs through the Dutch employment landscape. With over 20 years of experience, we make complex pension and insurance obligations simple and actionable.
Our services include:
- Advice on mandatory sick leave and occupational disability insurance
- Tailored pension plan setup for new teams
- Full compliance assurance with Dutch law
- Personal, practical support every step of the way
Our experts understand the unique challenges start-ups face — balancing rapid growth while ensuring risk protection and regulatory compliance.
Key Steps to Protect Your Business
Here’s how you can prepare your start-up for success in the Netherlands:
- Secure sick leave insurance: Ensure salary continuity without draining your resources.
- Plan pension contributions early: Avoid gaps in your employees' futures — and your compliance.
- Understand employer obligations: Stay ahead of Dutch legal requirements.
- Work with specialists: Get advice tailored to your unique start-up situation.
Expanding your business is exciting, but protection is essential. By securing the right employee insurance and pension plans now, you set your start-up up for sustainable success in the Netherlands.
Interested in a free consultation to explore your insurance and pension needs?
Please feel free to contact our expert.
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