Occupational risks for self-employed workers: everything you need to know
Posted: Wed Jan 22, 2025 8:30 am
Being self-employed has a number of advantages, but it is not a choice without problems and challenges; in addition, occupational risks must be taken into account . If you are self-employed , we are going to explain everything you need to know about it.
Occupational risks for self-employed workers that you must take into account
Working as a freelancer gives you more independence and a certain amount of flexibility in terms of hours that an employed job may not offer. However, it also involves taking on a number of risks: all kinds of situations, from illness to financial problems, which you should be aware of.
self-employed
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So we are going to explain to you what are the occupational risks that freelancers have to deal with and the ways to avoid these problems. Let's look at the keys to ensuring that your project continues in the face of adversity .
Illnesses and accidents
Health is a fundamental pillar . Falling ill or suffering an accident can bahamas phone number lead have devastating consequences, not to mention the fact that during the period of sick leave or convalescence, income is no longer generated.
There are all kinds of options, including insurance for self-employed workers on sick leave, so that you can continue receiving benefits when you cannot work for health reasons. Be sure to read this article on the types of insurance for self-employed workers .
Loss of assets
One of the most significant risks for self-employed workers is the loss of personal assets. Unlike limited companies, self-employed workers are responsible for all their current and future assets in the event of possible debts. So we return to the previous point so that you understand the importance of having insurance.
In addition, we recommend that you have a financial reserve to deal with unforeseen events and ensure business continuity in emergency situations.
Cybersecurity
Another danger that entrepreneurs face is cyber attacks. Cybersecurity is vital in these times. Although we have already explained what you should do if you have suffered a cyber attack , prevention is the most important thing. Nothing like a good digital cybersecurity solution to avoid headaches.
Late or non-payments
There is nothing more frustrating than a client who doesn't pay, but non-payment is one of the most important occupational risks for self-employed workers . So, if you want to avoid liquidity problems, take this factor into account.
Comply with regulations
Some rules may seem unreasonable, but you must comply with the law, as an inspection can cause you many more headaches.
Do your research to confirm the regulations established in the sector you are going to start . As we always recommend, it is best to hire a manager who confirms that your business complies with the regulations.
At MÁSMÓVIL NEGOCIOS we hope to have helped you understand the occupational risks that self-employed workers must face when starting their professional activity.
Occupational risks for self-employed workers that you must take into account
Working as a freelancer gives you more independence and a certain amount of flexibility in terms of hours that an employed job may not offer. However, it also involves taking on a number of risks: all kinds of situations, from illness to financial problems, which you should be aware of.
self-employed
You may also be interested in: Fairs and events for entrepreneurs that you should not miss in 2024
So we are going to explain to you what are the occupational risks that freelancers have to deal with and the ways to avoid these problems. Let's look at the keys to ensuring that your project continues in the face of adversity .
Illnesses and accidents
Health is a fundamental pillar . Falling ill or suffering an accident can bahamas phone number lead have devastating consequences, not to mention the fact that during the period of sick leave or convalescence, income is no longer generated.
There are all kinds of options, including insurance for self-employed workers on sick leave, so that you can continue receiving benefits when you cannot work for health reasons. Be sure to read this article on the types of insurance for self-employed workers .
Loss of assets
One of the most significant risks for self-employed workers is the loss of personal assets. Unlike limited companies, self-employed workers are responsible for all their current and future assets in the event of possible debts. So we return to the previous point so that you understand the importance of having insurance.
In addition, we recommend that you have a financial reserve to deal with unforeseen events and ensure business continuity in emergency situations.
Cybersecurity
Another danger that entrepreneurs face is cyber attacks. Cybersecurity is vital in these times. Although we have already explained what you should do if you have suffered a cyber attack , prevention is the most important thing. Nothing like a good digital cybersecurity solution to avoid headaches.
Late or non-payments
There is nothing more frustrating than a client who doesn't pay, but non-payment is one of the most important occupational risks for self-employed workers . So, if you want to avoid liquidity problems, take this factor into account.
Comply with regulations
Some rules may seem unreasonable, but you must comply with the law, as an inspection can cause you many more headaches.
Do your research to confirm the regulations established in the sector you are going to start . As we always recommend, it is best to hire a manager who confirms that your business complies with the regulations.
At MÁSMÓVIL NEGOCIOS we hope to have helped you understand the occupational risks that self-employed workers must face when starting their professional activity.