Chartered accountant, which insurance to choose?

Chartered accountant, which insurance to choose?


We'll explain everything you need to know about insurance if you're a chartered accountant. In fact, there are absolutely compulsory insurance policies that you must take out from your first day of activity if you practice in private practice. Others are optional but strongly recommended. What guarantees should you take out? What are your specific needs as a chartered accountant? What are the main risks in your business? When do you become responsible as a chartered accountant? In addition, there are many insurers and it is never easy to know where to turn or which cover to choose. We explain everything to you and give you the list of the best chartered accountant insurance.

Summary

    Chartered accountant, what are your compulsory insurances?
    What is the price of professional accountant insurance?
    Professional civil liability insurance, accountant
    What are the guarantees for professional accountant liability insurance?
    What are the best accountant insurance?

Chartered accountant, what are your compulsory insurances?
Professional Liability
Status
Compulsory if you practice as a liberal and optional if you are an employee or a student on an internship.
advice
Ceiling of collective liability is not always sufficient, hence the advantage of subscribing to additional liability
Mutual health
Status
Mandatory if you have employees. Optional if you are self-employed
advice
If you are an employee, the choice of the complementary is made by the company. If you are liberal, you will have to find a TNS mutual fund yourself (you can deduct the contributions from your income)
Car Insurance
Status
Mandatory if you use a vehicle while performing your duties
advice
If your vehicle is already insured in person, do not forget to include professional use in your contract (this is often possible)
Professional multi-risk
Status
Mandatory if you have a private workplace (practice)
advice
Covers your business premises and loss of activity linked to a disaster (fire, burglary, etc.)
Foresight
Status
Optional
advice
Daily allowance insurance is particularly recommended for liberals
What is the price of professional accountant insurance?
Professional Liability
Average annual price (€)
59 € / year
Pricing criteria
Turnover, claims, years of experience
Advice
The price can double if you take the PJ guarantee (which we recommend)
Company mutual
Average annual price (€)
€ 26 / month for an employee and € 35 for a TNS
Pricing criteria
According to the chosen guarantee levels
Advice
In addition to the price, pay attention to the annual reimbursement ceiling (advice: € 1,000 minimum ceiling)
Car Insurance
Average annual price (€)
45 € / month
Pricing criteria
Driver's age, vehicle model, background
Advice
Choose the "All risks" formula, although a little more expensive than the "Third Party" formula, guarantees compensation for all types of claims (weather, accident, vandalism, etc.)
Multi-risk insurance pro
Average annual price (€)
40 € / month
Pricing criteria
Surface area, geographical area, turnover
Advice
To save money, some contracts also include RC PRO
Foresight
Average annual price (€)
26 € / month
Pricing criteria
Age, selected guarantees, place of work
Advice
Give preference to "Daily Indemnities" insurance: your salary will be maintained in the event of accident or illness
Our accountant insurance comparators
COMPARE 12 CONTRACTS
RC PRO INSURANCE
COMPARE 34 CONTRACTS
OF TNS MUTUAL
COMPARE 7 CONTRACTS
MULTI-RISK INSURANCE
Professional civil liability insurance, accountant

The RCP accountant protects you in the event of damage caused to a third party during your professional activity. This concerns both personal injury and accidents at your workplace.

Although you do not have a legal obligation to take out a professional liability insurance if you are an employee, this insurance is highly recommended. Indeed, a client can call into question your personal responsibility when it is not related to the establishment in which you work. In addition, if you work as an employee in a firm, the level of guarantee of the collective contract may be insufficient.

This insurance is compulsory if you are an independent accountant.
What are the guarantees for professional accountant liability insurance?

Professional accountant civil liability insurance has only one component, the RC Pro guarantee. There is no additional guarantee such as legal assistance or protection.
Public liability
Main risks
Failure to advise giving rise to failure