Entrepreneurs · AOV Pool

Income protection for people who build things

From day one. Closed in minutes.

When illness, injury, or burnout stops you from working — the community pool steps in. No conflict of interest. No insurer profit from your downtime.

from €30/month · based on your risk profile

Join this pool
Who it's for

Built for every kind of entrepreneur

Whether you're a freelancer, a startup founder, or a solo craftsperson — if your income depends on your ability to work, this pool is for you.

IT & Remote workers
Freelance developers, designers, consultants, and digital service providers.
Developers Designers Consultants
Trade & Crafts
Artisans, beauty professionals, health practitioners, and skilled tradespeople.
Craftspeople Beauty Health services
Startups & Founders
Early-stage founders and small teams where key person risk is real and uninsured.
Founders Co-founders Small teams
High-risk business
Transport, logistics, farming, and construction — sectors where downtime hits hardest.
Transport Logistics Agribusiness
What's covered

Protection when you need it most

Four coverage areas — each with clear payout rules agreed by the community before you join.

Coverage 01
Illness & Injury
Short-term income replacement
Triggered by verified medical events
Clear payout rules — documentation, not negotiation
No insurer incentive to deny claims
Coverage 02
Burnout
Time-limited income support
Transparent eligibility criteria
Covers work-related mental & physical exhaustion
No conflict of interest in validation
Coverage 03
Income Loss
Predefined payout caps
Pay-only-for-use model
Community-funded risk sharing
No hidden margins or exclusions
Coverage 04
Equipment Loss or Damage
Laptops, phones, specialized equipment
Accidental damage and loss
Secure payouts via Stripe
Evidence-based claim verification
Transparency

What's not covered

Clear exclusions agreed upfront — so there are no surprises when you file a claim.

Intentional self-harm
Voluntary unemployment
Claims without community sponsor or KYC
Legal disputes not crisis-related
Medical acts for which you are not authorized or competent
Conflicts or disputes unrelated to your work or a mistake
Fines, sanctions, or administrative measures
Damage from activities outside your role as a business owner
Pricing

Pay based on your risk level

Your contribution is calculated from your business category and risk profile.

All plans include: Disability (AOV) & Illness · Burnout support · Income loss · Equipment loss or damage
Low risk
€30 /month
IT · Remote work · Freelance · Educational services · Creative industries · Ecommerce
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Medium risk
€50 /month
Self-employed · Crafts · Handmade · Beauty · Health services · Food · Cafes · Restaurants
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High risk
€80 /month
Transport · Logistics · Agribusiness · Farming · Construction · Renovation
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Stop leaving your income unprotected

Join the Entrepreneurs (AOV) pool today. Download the app, pick your risk category, and get covered in minutes.

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