{"id":1607,"date":"2025-10-14T11:59:00","date_gmt":"2025-10-14T08:59:00","guid":{"rendered":"https:\/\/konkretiakirjanpito.fi\/?p=1607"},"modified":"2025-10-03T08:08:49","modified_gmt":"2025-10-03T05:08:49","slug":"what-you-need-and-what-you-may-be-able-to-opt-out-of","status":"publish","type":"post","link":"https:\/\/konkretiakirjanpito.fi\/en\/2025\/10\/yrittajan-vakuutukset-mita-tarvitset-ja-mita-voit-ehka-jattaa-pois","title":{"rendered":"Business insurance - what do you need and what can you possibly leave out?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"1607\" class=\"elementor elementor-1607\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e00e3cc e-flex e-con-boxed e-con e-parent\" data-id=\"2e00e3cc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4b06641f e-con-full e-flex e-con e-child\" data-id=\"4b06641f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-77d45dbb elementor-widget elementor-widget-heading\" data-id=\"77d45dbb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The New Entrepreneur's Guide series<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1cdfac96 e-flex e-con-boxed e-con e-parent\" data-id=\"1cdfac96\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-377ea91c e-con-full e-flex e-con e-child\" data-id=\"377ea91c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-9624ef5 e-flex e-con-boxed e-con e-child\" data-id=\"9624ef5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-243687ac elementor-widget elementor-widget-heading\" data-id=\"243687ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Business insurance - what do you need and what can you possibly leave out?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b3ab551 elementor-widget elementor-widget-text-editor\" data-id=\"6b3ab551\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Introduction<\/strong><\/p><p>Insurance is an important safety net for entrepreneurs, but you don't necessarily need everything at the start. Many people wonder which insurances are compulsory and which are only recommended.<\/p><p>\u00a0<\/p><p><strong>Compulsory insurance<\/strong><\/p><p>1. <strong>YEL insurance (Self-employed persons' pension insurance)<\/strong><br \/>- Statutory, if earned income exceeds the limit. Also affects social security.<\/p><p>2. <strong>Insurance for employees (TyEL, accident, unemployment and group life insurance)<\/strong><br \/>- Mandatory if you hire employees.<\/p><p>\u00a0<\/p><p><strong>Recommended insurances<\/strong><\/p><ul><li><strong>Accident and sickness insurance<\/strong> \u2192 security for the entrepreneur himself.<\/li><li><strong>Business liability insurance<\/strong> \u2192 compensate for damage that the company's activities may cause to others.<\/li><li><strong>Legal expenses insurance<\/strong> \u2192 cover the costs of litigation.<\/li><li><strong>Interruption insurance<\/strong> \u2192 help if your business is interrupted, for example due to illness or accident.<\/li><\/ul><p>\u00a0<\/p><p><strong>What can perhaps be left out?<\/strong><\/p><p>You don't have to take out all the insurance right from the start. For example, extensive additional insurance may be unnecessary for a small business that is just getting a foothold in the market. It is important to assess the risks realistically and only take out the insurance you really need.<\/p><p>\u00a0<\/p><p><strong>Summary<\/strong><\/p><p>The right insurance will protect the entrepreneur and the business, but it is not worth committing to extra costs. By managing insurance and accounting under one roof, you save time and effort.<\/p><p><strong>We can also help you with insurance<\/strong> - We offer convenient arrangements for both compulsory and voluntary insurance. This means you get everything from one place and you can be sure that nothing is left unattended.<\/p><p><em>Contact us to make sure your business is covered with the right insurance and your finances are under control!<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-17e36dca e-con-full e-flex e-con e-child\" data-id=\"17e36dca\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f1b194 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"f1b194\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/konkretiakirjanpito.fi\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact us!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Uuden yritt\u00e4j\u00e4n opas -sarja Juha Saari 9 syyskuun, 2025 Yritt\u00e4j\u00e4n vakuutukset \u2013 mit\u00e4 tarvitset ja mit\u00e4 voit ehk\u00e4 j\u00e4tt\u00e4\u00e4 pois? Johdanto Vakuutukset ovat yritt\u00e4j\u00e4lle t\u00e4rke\u00e4 turvaverkko, mutta kaikkea ei v\u00e4ltt\u00e4m\u00e4tt\u00e4 tarvita heti alussa. Moni pohtii, mitk\u00e4 vakuutukset ovat pakollisia ja mitk\u00e4 vain suositeltavia. \u00a0 Pakolliset vakuutukset 1. YEL-vakuutus (Yritt\u00e4j\u00e4n el\u00e4kevakuutus)\u2013 Lakis\u00e4\u00e4teinen, jos ty\u00f6tulo ylitt\u00e4\u00e4 rajan. [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":1608,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13,52],"tags":[],"class_list":["post-1607","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blogit","category-uuden-yrittajan-opas-sarja"],"_links":{"self":[{"href":"https:\/\/konkretiakirjanpito.fi\/en\/wp-json\/wp\/v2\/posts\/1607","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/konkretiakirjanpito.fi\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/konkretiakirjanpito.fi\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/konkretiakirjanpito.fi\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/konkretiakirjanpito.fi\/en\/wp-json\/wp\/v2\/comments?post=1607"}],"version-history":[{"count":5,"href":"https:\/\/konkretiakirjanpito.fi\/en\/wp-json\/wp\/v2\/posts\/1607\/revisions"}],"predecessor-version":[{"id":1616,"href":"https:\/\/konkretiakirjanpito.fi\/en\/wp-json\/wp\/v2\/posts\/1607\/revisions\/1616"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/konkretiakirjanpito.fi\/en\/wp-json\/wp\/v2\/media\/1608"}],"wp:attachment":[{"href":"https:\/\/konkretiakirjanpito.fi\/en\/wp-json\/wp\/v2\/media?parent=1607"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/konkretiakirjanpito.fi\/en\/wp-json\/wp\/v2\/categories?post=1607"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/konkretiakirjanpito.fi\/en\/wp-json\/wp\/v2\/tags?post=1607"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}