AOV Ondernemersdesk is a trade name of Het Verschil B.V., an advisory firm based in the Netherlands. The company focuses exclusively on providing independent advice, comparison, and mediation services for disability insurance ("Arbeidsongeschiktheidsverzekering" or AOV) tailored to entrepreneurs, freelancers, and self-employed professionals. Their mission is to help clients navigate the complex insurance market to find the most suitable and affordable AOV policy for their specific situation.

Founded in

Netherlands