For the Netherlands: SharePeople is a community-based approach to disability support, combining peer donations with a modern AOV option.
Note: this tip is for the Netherlands (NL market).
Why it matters
As a freelancer, your income depends on your ability to work. If you are unable to work, costs continue while revenue may stop. That is why disability coverage (AOV in NL) is a key part of long-term resilience.
What SharePeople is
SharePeople is not a traditional insurer. It is a community of around 15,000 self-employed entrepreneurs who support each other during disability.
A new generation approach: donations + AOV
In the early years, SharePeople worked fully through mutual donations (similar to a Broodfonds). With mandatory AOV on the horizon, they added the SharePeople AOV.
10-minute action
- Visit https://www.sharepeople.nl
- Check what fits your situation (income, waiting period, desired certainty)
- Compare with a classic AOV and do your homework: the right choice depends on your job, income and financial buffer—what fits person A may not fit person B.
Disclaimer
General information only, not personal advice.