Dutch ZZP'ers losing recurring client work to AI replacement in 2026 sit outside the WW (Werkloosheidswet) safety net entirely and find that available AOV (arbeidsongeschiktheidsverzekering) products mostly exclude demand-side income loss; the structural gap is pushing affected ZZP'ers into bijstand at faster rates than the 2024 baseline. The realistic options are operational (client-base diversification, offer restructuring, larger liquid buffer), not insurance-based.

Cross-domain: Dutch self-employed social-insurance architecture intersected with AI displacement of knowledge-work ZZP cohorts. WW structurally unavailable to ZZP'ers; AOV product line designed for medical-disability surface, not demand-side; broodfondsen / schenkringen models are partial. Pairs with OPS-038 (CAO) at the labour-relations boundary.