Sickness coverage is a big issue in the Netherlands. The employer has to pay a minimum of 70% of the base salary when the employee is sick, up to a period of 24 months. It is expected that the 24 months period will be reduced to 12 months in the coming years but for now it is 24 months by law. This is a big risk, especially for smaller companies. It is recommended to take an insurance to (partly) cover this risk.