Insurance for independent consultants, finally clear.

• Priority 1 · Your liability Professional indemnity & legal defence A mistake, an omission, a piece of advice misread can cost you dearly. Professional indemnity compensates the client who suffered the loss. Legal defence pays the lawyer who defends you. Two complementary covers. Explore priority 1 →
• Priority 2 · Your income Income protection Illness, accident, hospital stay: with no activity there is no invoicing, and the state scheme only pays a flat rate. Three solutions exist to maintain your income and your fixed costs while you recover. Explore priority 2 →
• Priority 3 · Your retirement Supplementary pension Your state pension as a self-employed person will be low. A supplementary pension (PLCI, CPTI, EIP) builds retirement capital while cutting your tax, and often your social contributions, every year. Explore priority 3 →

What our clients say on Google

No ties to any insurer. Your interests first.

• 0
  exclusive tie to any insurer: we stay free to advise you.
• 4
  offices in Belgium: Brussels, Ciney, Dinant, Eghezée.
• 1
  contact who centralises and follows your whole file.
• 20+
  partner insurers: we approach the ones that fit your profile.

A professional practice, not a sales funnel

You decide with your eyes open, at every step.

1. 01

   A survey of your activity

   Your status, your client contracts, the way you pay yourself, your commitments: we map your real risks, without the jargon.

2. 02

   Putting the market in competition

   We approach the insurers that suit your profile, take apart cover, limits and exclusions, and keep what genuinely protects you.

3. 03

   And afterwards, we stay

   Clear policies, a contact who knows you, and follow-up whenever your activity changes or a claim arises.

• Ciney
  Cinassur
  Rue des Stations 48, 5590 Ciney
• Brussels
  SAAG
  Place de la Vieille Halle aux Blés 47, 1000 Brussels
• Dinant
  Boone & de Vinck
  Rue Adolphe Sax 71, 5500 Dinant
• Eghezée
  Boone & de Vinck
  Route de Cognelée 13, 5310 Eghezée

What consultants ask us most

• Does an independent consultant have to take out professional indemnity?

  Except for regulated professions, the law does not always require it. But your clients demand it almost systematically in assignment contracts: without it, a mistake or poor advice can put your personal assets at risk. In practice it is often what makes the signature possible.

• What is the difference between public liability and professional indemnity?

  Public liability covers non-contractual damage: harm you cause to a third party outside the contract, for instance material damage during an assignment. Professional indemnity covers faults linked to carrying out the assignment. For a consultant the public-liability risk is low, which is why it is often included cheaply, or free, in the indemnity policy.

• How do I protect my income in case of illness or accident?

  Three solutions combine: individual accident cover (incapacity from an accident, around the clock), guaranteed income (accident and illness, calculated on your remuneration) and key-person cover, or keyman (calculated on turnover and paid to the company).

• Why does a consultant need a supplementary pension?

  A self-employed person's state pension is low compared with their working income. A supplementary pension (PLCI, CPTI, EIP) lets you build retirement capital while cutting tax and, for the PLCI, social contributions.

• Why go through a broker rather than buy online?

  Cinassur is independent and tied to no insurer. Depending on your profile and your request, we approach the relevant insurers, compare cover and exclusions, and advise you in your interest alone. When a claim arises, you have someone who knows your file.

Consultant, freelancer, self-employed: how do you choose your broker?

All cover looks alike on paper. The difference comes down to five concrete criteria. Here is how to decide, without the jargon.

1. 1

   Truly independent?

   A broker tied to a single insurer compares nothing. Check that they work with several: AG, AXA, Baloise, Allianz, Vivium. Cinassur is tied to no insurer.

2. 2

   Specialised in the self-employed

   A consultant or freelance profile does not carry the same risks as a private individual: professional indemnity, guaranteed income, cyber. Favour a broker who knows these trades and the contractual demands of your clients.

3. 3

   Transparent about how they are paid

   Commission, fees, charges: a good broker explains clearly how they are paid. No grey areas.

4. 4

   Solid on claims handling

   The real test of a broker is the day of a claim. Ask how they support you when things go wrong: that is where the value shows.

5. 5

   Registered and reachable

   Check the FSMA registration and the closeness: a human being who answers is worth more than a fully digital funnel on the day you have a precise question.