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Professional Liability Insurance

Professional Liability Insurance

Incorrect advice, a missed deadline or a technical error: KBRS looks at where your liability as a professional begins and builds the right cover around that.
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Who it's for

Who this cover is for

Consultants & advisors

For those who provide advice that clients rely on.

Liberal professions

For architects, accountants, IT service providers and similar regulated professions.

Service SMEs

For businesses delivering services where an error can cause financial damage.

Freelancers

For independent professionals directly liable for their work.
What we insure

Protection when a mistake could cost you

Professional errors

Damage from an error, omission or negligence in your services.

Incorrect advice

Financial loss suffered by the client as a result of incorrect advice.

Delays and deadlines

Damage from failing to meet agreed deadlines.

Loss of documents or data

Liability for loss of client documents or data.

Pure financial loss

Financial damage without bodily injury or material damage.

Professional legal protection

Legal support for a dispute over your professional liability.
Protect your profession
Possible solutions

Options to consider

Sector-specific professional liability

Cover tailored to the risks of a specific profession.

  • Architects and engineering firms
  • Accountants and tax advisers
  • IT and software service providers
  • Consultants and interim managers
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Combined policy with public liability

Brings professional and public liability together.

  • Errors in advice or services
  • Damage to visitors
  • Damage during assignments at a client’s premises
  • One point of contact in a dispute
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International activity extension

For activities outside Belgium.

  • Assignments within the EU
  • Assignments outside the EU
  • Foreign law and jurisdiction
  • Requirements of specific markets
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Risks identified

What we look at

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  • Nature of your services
  • Type of clients and contracts
  • Prior complaints or disputes
  • Subcontractors or staff
  • Existing insurance
  • Blind spots in your current cover
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Pricing

What affects the price

1

Activity

Type of profession and risk level.
2

Revenue

Annual revenue from the covered activity.
3

Insured amount

Desired maximum intervention per claim.
4

Experience

Years active in the profession.
5

Conditions

Deductible and exclusions.
Why KBRS

Why choose KBRS

Independent advice

We compare insurers who know your specific profession.

Personal risk analysis

We show where your liability as a professional effectively begins.

Claims support

In case of a complaint or claim, KBRS guides you through the entire process.
Frequently asked questions

FAQ

Duidelijke antwoorden over verzekeringen, risicoanalyse en schadebegeleiding.

  1. Is professional liability insurance mandatory?

  2. Does professional liability also cover errors made by my staff?

  3. What is pure financial loss?

  4. Am I covered if I work internationally?

  5. Can KBRS review my existing policy?

  6. What should I do if a client holds me liable?

Ready to insure your professional liability correctly?

KBRS reviews your activity and existing cover and gives clear advice on the right professional liability insurance.
Request a free analysis
03 202 50 30