Self-employed & SMEs
Your business, covered with no blind spots.
Your liability, your income, your staff, your premises. We start from what you actually do, not from a NACE code, and we tell you what is compulsory before what is comfortable.
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What we coverProfessional indemnity, accidents at work, income, premises, employee benefits
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CompulsoryAccidents at work, from the first employee
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Watch out forCover limits and sub-limits, and what is specific to your trade
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ReviewFree and without obligation
The cover
Five policies form the backbone of your cover
Depending on the trade, add ten-year structural liability, strict fire liability, fleet cover or goods in transit.
- Liability Professional indemnity Damage your work causes to a third party: faulty advice, a wall damaged on site, a client injured on your premises. Compulsory for regulated professions, strongly advised otherwise. Watch out for: retroactive cover, run-off cover, trade-specific exclusions → Liability Public liability The damage your business causes to third parties in its day-to-day operations: a customer who slips, a passer-by hurt, a neighbour's property damaged. Watch out for: products liability after delivery, goods in your care → Your turnover Business interruption Your company's turnover after a claim: fixed costs, wages and loan repayments keep running while the business is at a standstill. Watch out for: the indemnity period, the basis of cover, supplier and customer risks → Construction Ten-year liability insurance The Peeters law obligation for construction trades: structural defects that threaten the stability of a building for ten years after acceptance. Watch out for: the scope of the Peeters and Peeters-Ducarme laws, the statutory ceilings → Your disputes Legal expenses insurance Lawyer, expert and court fees when your business has to defend its rights: an unpaid invoice, a dispute with a supplier, an employee or a public authority. Watch out for: the waiting period, the minimum claim threshold, the matters excluded from cover →
- Compulsory Accidents at work (assurance loi) From the first employee, without exception, including a student or a part-timer. The 1971 Act also governs cancellation, which can only take effect on the renewal date. Watch out for: declaring wages, students and temporary staff, the commute to work →
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Your income
Coming soonGuaranteed income If you can no longer work, your turnover stops but your costs do not. The benefit bridges the gap between the state scheme (INAMI) and your actual income. Watch out for: the definition of disability, the waiting period, indexation ↗
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Your premises
Coming soonBusiness all-risks Building, equipment, stock, and above all business interruption: after a claim, what costs you most is the standstill. Watch out for: the sum insured on stock, business interruption, reinstatement value ↗
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Your team
Coming soonEmployee benefits Group pension, hospitalisation, collective income protection, assistance: the benefits that build a salary package. A euro invested here costs less than a euro of gross pay rise, and it is deductible. Watch out for: the pension rules, the continuity obligation, the 80% tax ceiling, benefit in kind ↗
How we work
A review first, proposals after
We read your current policies before discussing new ones. More often than not, an essential cover is missing and two policies overlap.
- 01 We start from what you actually do What you actually do on the ground, not what your NACE code says.
- 02 We read your policies and price them Cover, exclusions, excesses and premiums, set side by side across the insurers who cover your trade.
- 03 We show you what changes What is missing, what overlaps, what costs too much for what it covers.
- 04 We stay your point of contact A claim, a new employee, a change of activity: you call us, not a call centre.
Worth reading before you sign
No obligation
A review of your business policies, before any proposal.
What is well covered, what is missing, what overlaps. We work with more than 40 insurers and put those covering your risk in competition. We also tell you when nothing needs changing.