{"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":"vad-du-behover-och-vad-du-kanske-kan-valja-bort","status":"publish","type":"post","link":"https:\/\/konkretiakirjanpito.fi\/sv\/2025\/10\/yrittajan-vakuutukset-mita-tarvitset-ja-mita-voit-ehka-jattaa-pois","title":{"rendered":"F\u00f6retagsf\u00f6rs\u00e4kring - vad beh\u00f6ver du och vad kan du eventuellt utel\u00e4mna?"},"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\">Serien Den nya entrepren\u00f6rens guide<\/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\">F\u00f6retagsf\u00f6rs\u00e4kring - vad beh\u00f6ver du och vad kan du eventuellt utel\u00e4mna?<\/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>Inledning<\/strong><\/p><p>F\u00f6rs\u00e4kringar \u00e4r ett viktigt skyddsn\u00e4t f\u00f6r f\u00f6retagare, men det \u00e4r inte s\u00e4kert att man beh\u00f6ver allt fr\u00e5n b\u00f6rjan. M\u00e5nga undrar vilka f\u00f6rs\u00e4kringar som \u00e4r obligatoriska och vilka som bara \u00e4r rekommenderade.<\/p><p>\u00a0<\/p><p><strong>Obligatorisk f\u00f6rs\u00e4kring<\/strong><\/p><p>1. <strong>F\u00f6PL-f\u00f6rs\u00e4kring (pensionsf\u00f6rs\u00e4kring f\u00f6r f\u00f6retagare)<\/strong><br \/>- Lagstadgad, om arbetsinkomsten \u00f6verstiger gr\u00e4nsen. P\u00e5verkar \u00e4ven socialf\u00f6rs\u00e4kringen.<\/p><p>2. <strong>F\u00f6rs\u00e4kringar f\u00f6r anst\u00e4llda (ArPL, olycksfalls-, arbetsl\u00f6shets- och grupplivf\u00f6rs\u00e4kring)<\/strong><br \/>- Obligatoriskt om du anst\u00e4ller medarbetare.<\/p><p>\u00a0<\/p><p><strong>Rekommenderade f\u00f6rs\u00e4kringar<\/strong><\/p><ul><li><strong>Olycksfalls- och sjukf\u00f6rs\u00e4kring<\/strong> \u2192 s\u00e4kerhet f\u00f6r entrepren\u00f6ren sj\u00e4lv.<\/li><li><strong>Ansvarsf\u00f6rs\u00e4kring f\u00f6r f\u00f6retag<\/strong> \u2192 kompensera f\u00f6r skada som f\u00f6retagets verksamhet kan orsaka andra.<\/li><li><strong>R\u00e4ttsskyddsf\u00f6rs\u00e4kring<\/strong> \u2192 t\u00e4cka kostnaderna f\u00f6r tvister.<\/li><li><strong>Avbrottsf\u00f6rs\u00e4kring<\/strong> \u2192 hj\u00e4lp om din verksamhet avbryts, t.ex. p\u00e5 grund av sjukdom eller olycksfall.<\/li><\/ul><p>\u00a0<\/p><p><strong>Vad kan kanske utel\u00e4mnas?<\/strong><\/p><p>Du beh\u00f6ver inte teckna alla f\u00f6rs\u00e4kringar redan fr\u00e5n b\u00f6rjan. Exempelvis kan omfattande till\u00e4ggsf\u00f6rs\u00e4kringar vara on\u00f6diga f\u00f6r ett litet f\u00f6retag som precis har f\u00e5tt fotf\u00e4ste p\u00e5 marknaden. Det \u00e4r viktigt att g\u00f6ra en realistisk bed\u00f6mning av riskerna och bara teckna de f\u00f6rs\u00e4kringar som verkligen beh\u00f6vs.<\/p><p>\u00a0<\/p><p><strong>Sammanfattning<\/strong><\/p><p>R\u00e4tt f\u00f6rs\u00e4kring skyddar f\u00f6retagaren och f\u00f6retaget, men det \u00e4r inte v\u00e4rt att binda upp sig f\u00f6r extra kostnader. Genom att hantera f\u00f6rs\u00e4kringar och bokf\u00f6ring under samma tak sparar du tid och anstr\u00e4ngning.<\/p><p><strong>Vi kan ocks\u00e5 hj\u00e4lpa dig med f\u00f6rs\u00e4kringar<\/strong> - Vi erbjuder smidiga uppl\u00e4gg f\u00f6r b\u00e5de obligatoriska och frivilliga f\u00f6rs\u00e4kringar. Det inneb\u00e4r att du f\u00e5r allt fr\u00e5n ett och samma st\u00e4lle och kan vara s\u00e4ker p\u00e5 att inget l\u00e4mnas obevakat.<\/p><p><em>Kontakta oss s\u00e5 ser vi till att ditt f\u00f6retag \u00e4r r\u00e4tt f\u00f6rs\u00e4krat och att du har kontroll \u00f6ver din ekonomi!<\/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\/sv\/kontakt\/\">\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\">Kontakta oss!<\/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\/sv\/wp-json\/wp\/v2\/posts\/1607","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/konkretiakirjanpito.fi\/sv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/konkretiakirjanpito.fi\/sv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/konkretiakirjanpito.fi\/sv\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/konkretiakirjanpito.fi\/sv\/wp-json\/wp\/v2\/comments?post=1607"}],"version-history":[{"count":5,"href":"https:\/\/konkretiakirjanpito.fi\/sv\/wp-json\/wp\/v2\/posts\/1607\/revisions"}],"predecessor-version":[{"id":1616,"href":"https:\/\/konkretiakirjanpito.fi\/sv\/wp-json\/wp\/v2\/posts\/1607\/revisions\/1616"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/konkretiakirjanpito.fi\/sv\/wp-json\/wp\/v2\/media\/1608"}],"wp:attachment":[{"href":"https:\/\/konkretiakirjanpito.fi\/sv\/wp-json\/wp\/v2\/media?parent=1607"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/konkretiakirjanpito.fi\/sv\/wp-json\/wp\/v2\/categories?post=1607"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/konkretiakirjanpito.fi\/sv\/wp-json\/wp\/v2\/tags?post=1607"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}