The collective risk management of solo self-employed workers in the Netherlands

The growth of solo self-employed workers in the Netherlands (zzp’ers) has not yet triggered a debate on how to combine their income security and business autonomy. The extent to which the social protection system and interest groups promote zzp’ers to take up collective arrangements mitigating income insecurity due to work incapacity and preventing income insecurity due to poor employability is investigated using the social risk management framework. Correcting economic obstacles and irrational risk perceptions, collective arrangements are found to encourage the take-up of work incapacity insurance and training among zzp’ers.