Insurances for freelancers
Are you properly insured?
Every business is unique; not everyone needs the same insurance. Therefore, first map out all the risks of your business.
What if you fall ill or victim to an accident? What if you injure a customer or damage their property? What about your company car?
As a freelancer, you take care of your clients, your deadlines and your reputation — but who takes care of you when things go wrong? Whether you’re just starting out or running a well-established business, having the right insurance gives you peace of mind and financial stability.
We offer independent advice and tailor-made solutions for self-employed professionals in Belgium. From professional liability to income protection and pension planning, we help you choose the coverage that fits your reality — no unnecessary extras, just what you truly need.
Want to protect your business, your income and your future? Then you’re in the right place.
Insurance overview
Professional liability
This insurance is mandatory for a number of intellectual professions, such as architects, real estate agents, accountants… Even if you are not required to take it out, for example as an IT consultant, it is still very useful to have.
Directors’ liability insurance
As a managing director, you have a lot of responsibilities. For everything that happens within your company, you are viewed as the responsible one. With the directors’ liability insurance, you protect yourself and your personal assets against financial claims for damages from third parties holding you liable.
Legal expenses insurance
This insurance intervenes in disputes that may arise, for example with suppliers or customers. If no amicable settlement is possible, they will pay your lawyer’s procedural costs and fees if it is a covered dispute.
Hospitalisation insurance
Avoid unexpected and high costs after hospitalisation and take out hospitalisation insurance. You can also offer this to your employees.
Cyber insurance
Despite the high risks of cyber attacks, many companies do not have cyber insurance. Did you know that you are more likely to fall victim to a cyber attack than to a fire? Cyber insurance protects your business from the financial hangover that cyber attacks, viruses and data breaches can bring on.
Income insurance
As an entrepreneur, your income isn’t guaranteed. Income insurance protects you if you can’t work due to illness or an accident. It can also cover lost business revenue, helping you stay afloat while you recover. Because without income, there’s no business.
Revenue insurance
What happens with your ongoing expenses, like office rent and loan repayments, when you become unable to work? With the revenue insurance you can make sure these expenses are covered.
Accident insurance
For employees, there is the occupational accident insurance, but what if you, the managing director, have an accident?
Life insurance
To protect your future and retirement as an entrepreneur, you can take out a couple of life insurance policies. After all, the statutory pension for the self-employed is not particularly high. Or what about your next of kin if you suddenly pass away?
Other insurances
In addition to professional and income-related insurance, there are many other types of coverage that may be relevant.
It’s not always easy to navigate through all the possibilities.
Let an insurance broker assist you to look for the best solutions together, suitable for you and your business.
Ready to get started?
Whether you already know what you need or you’re still figuring it out, we’re happy to help. Let’s talk about your freelance activity, your goals and your risks, and we’ll build a custom insurance plan that fits your reality.
Contact us today for a personal, no-obligation quote.
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