Risk Management
Werkgeversaansprakelijkheid is breder dan je denkt
Het begint vaak met een telefoontje. Een medewerker is gevallen. Er is iets misgegaan met een machine. Of er is een ongeluk gebeurd onderweg.
Absence
Ziekteverzuim in Nederland: wat betekent dit voor internationale werkgevers?
Heeft jouw organisatie een vestiging in Nederland? Ziekteverzuim is hier juridisch en financieel anders is geregeld dan in veel andere landen.
Risk Management
Teken jij voor risico’s die je niet kunt dragen?
Contracten horen bij ondernemen. Offertes, inkoopvoorwaarden, algemene voorwaarden het zijn vaak documenten die je snel wilt afronden, zodat je door kunt met waar het écht om draait: je werk. Maar juist daar schuilt een risico. Want een handtekening lijkt misschien een formaliteit, terwijl je in werkelijkheid tekent voor verplichtingen die grote impact kunnen hebben op je organisatie.
Risk Management
De eerste 72 uur na een cyberincident: waarom voorbereiding een strategische keuze is
Het begint vaak klein. Een medewerker die niet kan inloggen. Een systeem dat plotseling traag wordt. Of een melding die nét even anders voelt dan normaal. Wat in eerste instantie een technisch probleem lijkt, blijkt al snel iets anders te zijn. Serieuzer. Urgenter.
Risk Management
Waarom brand in de houtsector zelden door één fout ontstaat
In veel houtverwerkende bedrijven begint een brand niet met een grote, zichtbare gebeurtenis, maar juist met iets kleins.
Pension
Help je 50+ medewerkers met het maken van pensioenkeuzes
Voor veel medewerkers speelt pensioen jarenlang op de achtergrond. Tot ergens rond de leeftijd van 50. Dan verandert het perspectief. Juist op deze momenten kun je als werkgever verschil maken. Door medewerkers te helpen met meer grip en vertrouwen naar hun toekomst te kijken.
Absence
Webinar | Hervormingen op komst: grip op verzuim begint bij leidinggevenden op 4 juni 2026
Tijdens dit gratis webinar neemt Marleen Souverein je mee in een herkenbare praktijkcasus. Je krijgt inzichten, praktische tips en concrete handvatten. Meld je nu aan >
Absence
1. Wanneer weerstand het gesprek overneemt
Weerstand tijdens re-integratie is geen uitzondering, maar beschermt iets van waarde: een onderliggende behoefte. Wanneer een leidinggevende dat weet te herkennen en daar op een goede manier mee omgaat, kan de weerstand worden opgelost. Zo ontstaat er ruimte om verder te kijken. En precies daar begint beweging in het re-integratietraject.
Risk Management
Veel bedrijven in de houtsector zijn onderverzekerd zonder dat ze het weten. Hoe zit dat bij jou?
We komen vaak bij houtbedrijven waar de dekking niet meer aansluit op de werkelijkheid. Onderverzekering is geen uitzondering, maar een verborgen risico.
Absence
The new coalition agreement calls for a new approach to leadership in the workplace
The plans of the brand-new Jetten cabinet leave no room for doubt: the Dutch social security system needs to be reformed—and significantly so.
Absence
Launch of InRegie, the online learning environment for managers
Absenteeism due to illness remains high in the Netherlands, and mental health issues account for a growing proportion of long-term absences. To better equip organizations in the first two years of absenteeism support, Schouten Zekerheid is introducing Schouten Zekerheid online learning environment InRegie.
Risk Management
Cyber maturity: when are you "good enough" as an organization?
Cybersecurity is no longer an exclusively IT issue. It affects the continuity of the organization, its reputation, and even the personal liability of directors. Yet in many boardrooms, the same question is being asked: when are we good enough? When can we conclude that our organization is cyber mature?
Absence
Mental health-related absenteeism is becoming one of the biggest business risks
Mental health-related absenteeism is becoming one of the biggest business risks for employers "Mental health-related absenteeism is rapidly becoming one of the biggest business risks for employers," says Marleen Souverein, Absenteeism Prevention Consultant at Schouten Zekerheid. Whereas a broken leg is visible and usually recovers predictably, mental overload can lead to months of absence.
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Risk Management
Cyberattack or fire damage: what is the greatest business risk?
As an entrepreneur, you want to be able to assess your risks. Fire, for example, is a risk that many entrepreneurs take into account, but cyber risks often are not. Yet a single cyber incident can be enough to shut down your business and cause significant costs.
General
Schouten Zekerheid officially ISO 27001:2022 certified
We have successfully completed the transition to the new ISO27001:2022 standard. This is great news that we can be proud of! After months of thorough review and an intensive internal and external audit, we can now say that our information security structurally and demonstrably meets internationally recognized requirements. This was not a quick check, but a thorough assessment of processes, behavior, and responsibility.
Pension
Pension figures for 2026: overview of the most important changes
The changes may affect existing arrangements, communication with employees, and policy choices. The most important changes are listed below.
Risk Management
A familiar face in the insurance world
Jan Hoeflaak is an authority in the insurance and timber industry. He advises organizations on insurance and timber-related matters.
Risk Management
Reintroduction of the 60+ scheme WIA: what does this mean for employers?
From 1 September 2025, the so-called 60+ scheme will be reintroduced. This scheme is intended to reduce the large backlog in the WIA assessments and to reduce the pressure on insurance physicians. The measure previously ran from October 2022 to January 2025 and will now be reintroduced for two years.
Risk Management
Mobile phone use during the accident
Did you know that an important change has been made to the European accident form? Recently, you can indicate on it whether a mobile phone was used during the accident. This may seem like a small detail, but it can have major consequences for the handling of the claim and for determining liability.
Absence
Reduce direct absenteeism costs with the HR Risk Analysis
With the introduction of the HR Risk Analysis, Schouten Zekerheid offers companies a practical method to identify and address challenges around absenteeism. Senior consultant André Hackmann and sustainable employability consultant Brenda van Dijk explain how this new service works. "We want to connect and solve," says Hackmann.
Absence
Entrepreneurs, take control of your sick leave!
Staff are your most valuable business asset, especially in these times of labor shortages. Without colleagues, you cannot serve your customers, whether private individuals or businesses. When staff are absent due to illness, it can often be a considerable challenge to keep the business running smoothly.
Absence
What does a sick employee cost?
As an employer, you always run the risk of an employee falling ill. Besides being very unpleasant for your employee, it can also have a significant (financial) impact on your company. Work that comes to a standstill, possible replacement and administration: it's all part of it. Being financially well-prepared can save you a lot of costs and worries.
Pension
The impact of the pension transition scheme: start on time
When it comes to financial arrangements for employees, clarity is essential. The Future Pensions Act has already come into effect, and all schemes must be adapted to it by January 1, 2028, at the latest. Sounds clear, right? In practice, however, the transition turns out to be more complex than expected.
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Risk Management
How do you get a handle on the cost of sick hairdressers within your salon?
Sick leave and its costs have quite an impact on your salon. From a sick employee, you pay salary costs, employer charges and also the cost of a replacement. With our services you get a grip on this!
Risk Management
5 tips to control your absenteeism and absenteeism costs
To help you, ANKO Insurance Service provides tips on how to keep your staff's absenteeism under control.
Risk Management
Protect your salon from theft with the following prevention tips for hairdressers
Don't give thieves a chance in your salon and store valuables safely. Theft is not insured if there are no signs of forced entry into your salon. It is therefore very important to safely store valuables such as exclusive brand products and your cell phone.
General
New Environment Act and Bbl bring big changes for VvEs
From Jan. 1, 2024, the new Environment Act will come into force, along with the Building Works Environment Decree (Bbl).
General
A day at the beach? With these tips, enjoyment is a real certainty!
The weather forecasts are good for the coming days. There is a good chance that you will visit the beach. However, on such a wonderful beach day, you may encounter some unpleasant surprises. Keep a close eye on your beach bag, but also check your insurance policies before you take your place on the beach.
Risk Management
Inspection of an electrical installation in hospitality industry; what do I pay attention to?
In practice, it appears that not all hospitality business owners are sufficiently aware of the (new) requirements for electrical inspections. We answer the most frequently asked questions regarding the inspection of the electrical installation of your hospitality business.
Risk Management
Risks in delivering meals in the hospitality industry
Do you deliver meals or want to start delivering meals? What do you need to consider? We have listed our tips and advice for you, so you know what to look out for when delivering meals.
Risk Management
Starting your own restaurant, what should I consider?
are you thinking about taking over a snack bar? If so, many questions will soon come your way! Do you take over everything? How do you know if everything is in order and what do you need to pay attention to? We would like to give you tips and advice, so you know what to consider when you want to take over a snack bar.
Risk Management
Taking over a snack bar, what do I look out for?
are you thinking about taking over a snack bar? If so, many questions will soon come your way! Do you take over everything? How do you know if everything is in order and what do you need to pay attention to? We would like to give you tips and advice, so you know what to consider when you want to take over a snack bar.
Especially for Hospitality
Starting your own sandwich store; what are the costs?
When you want to start your own sandwich store, you want to be well informed about the costs you can expect and it is nice to know what to consider.
Client story
Customer story 55DEGREES: "the switch came just in time!
Customer story 55DEGREES: "the switch came just in time!
General
Our new SZ. magazine is out
The new SZ. magazine is out. A magazine with 88 pages full of inspiring stories from various entrepreneurs. From Geldmaat to Robeco and from Swijnenburg Transport to Audax. The cover was revealed at our staff meeting on May 9, and now it's high time to let you know.
Especially for Hospitality
5 tips to keep your absenteeism (costs) under control
Finding sufficient staff is very difficult in this day and age. Even if you have the staffing in place, it is still a challenge to arrange replacements in case of a sick employee and you are stuck with double costs.
Health insurance
Most chosen supplementary (dental) insurance policies in the hospitality industry
Our healthcare specialists receive many questions about purchasing supplemental (dental) insurance(s) in the hospitality industry. Are you also curious about the most frequently chosen supplementary insurances within the hospitality industry? We have made an overview per insurer within the KHN Collective, so you can get more insight here:
Especially for Hospitality
10 years of KHN Insurance
Hospitality entrepreneurs who are members of KHN have been able to benefit from the knowledge and service of KHN Insurance for ten years.
Pension
Pension scheme for Rhine and Inland Navigation has expired – but it is not too late to act
Since January 1, 2025, the mandatory pension scheme of the Industry Pension Fund for Rhine and Inland Navigation has officially expired. Employers in the sector have therefore become responsible for setting up a suitable pension scheme for their staff themselves. Haven't arranged this yet? Then now is the time to take action.