Is professional liability insurance mandatory? For a number of regulated professions (such as architects, accountants or insurance brokers) it is legally required. For other professions it is not, but it is strongly recommended.

Does professional liability also cover errors made by my staff? In most policies, yes, as long as the error occurs within the exercise of the insured activity. We check this specifically for your policy.

What is pure financial loss? Financial damage to your client that does not result from bodily injury or material damage, for example incorrect tax advice that leads to a fine.

Am I covered if I work internationally? Standard policies often only cover activities within Belgium. An extension is usually needed for international assignments.

Can KBRS review my existing policy? Yes. We review your current cover for scope, exclusions and price, and show where adjustments make sense.

What should I do if a client holds me liable? Contact KBRS immediately, and don't take any steps yourself that could be seen as admitting fault. We guide the notification and further process with the insurer.