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Self-employed

Self-employed

As a self-employed professional you carry the risk of your own activity. KBRS maps that risk and proposes the insurance that actually fits it.
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Who it's for

Who this cover is for

Self-employed in main occupation

For those working full-time and earning their full income from the activity.

Self-employed in secondary occupation

For those also self-employed alongside a job or other status.

Liberal professions

For consultants, therapists, coaches and other service providers.

Self-employed with their own equipment

For those working with tools, equipment or a company vehicle.

What we insure

Protection for your activity, income and liability

Professional liability

Protection against claims arising from errors in your services or advice.

Public liability

Cover for damage to customers or third parties at your place of work.

Guaranteed income

Replacement of your income in case of long-term incapacity to work.

Equipment and tools

Protection of your professional equipment against damage or theft.

Legal protection for self-employed

Legal support for disputes with clients, suppliers or the administration.

Supplementary pension (PLCI/EIP)

Tax-advantaged build-up of a supplementary pension.
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Possible solutions

Options to consider

Professional liability insurance

Aimed at professional errors, tailored to your sector.

  • Advice with financial consequences
  • Errors in files or calculations
  • Agreed deadlines
  • Client documents and data
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Guaranteed income for the self-employed

Aimed at loss of income when your activity comes to a standstill.

  • Incapacity due to illness
  • Incapacity following an accident
  • A supplement to the health fund benefit
  • Fixed costs that continue
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PLCI or EIP

Formulas for supplementary pension accrual for the self-employed.

  • VAPZ, for the self-employed with or without a company
  • IPT, through the company for salaried directors
  • Aligned with your status
  • Coherence with existing pension accrual
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Risks identified

What we look at

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  • Nature and scale of your activity
  • Place of work and equipment
  • Clients and contracts
  • Current social status and cover
  • Existing insurance
  • Blind spots in your current cover
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Pricing

What affects the price

1

Activity

Type of service or trade.
2

Revenue

Annual or expected revenue.
3

Equipment

Value of your equipment.
4

Cover

Basic or extended guarantees.
5

Conditions

Deductible, waiting period and exclusions.

Why KBRS

Why choose KBRS

Personal advice

Advice tailored to your activity and social status as self-employed.

Tailored solutions

Cover matched to your needs, without unnecessary costs.

Proactive support

Follow-up of your policies as your activity evolves.

Frequently asked questions

FAQ

Duidelijke antwoorden over verzekeringen, risicoanalyse en schadebegeleiding.

  1. Is professional liability insurance mandatory for self-employed people?

  2. What happens to my income if I become seriously ill for a long time?

  3. Is my equipment insured against theft?

  4. What's the difference between PLCI and EIP?

  5. Can KBRS review my existing policies?

  6. What should I do in case of damage to my business?

Ready to protect your self-employed activity properly?

KBRS reviews your situation and existing insurance and gives clear advice on the protection that fits.
Request a free analysis
03 202 50 30