Self-employed, which insurance to choose?
We'll explain everything you need to know about insurance if you're a self-employed entrepreneur. 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 self-employed person? What are the main risks in your business? When do you assume your responsibility as a self-employed entrepreneur?
Summary
Auto entrepreneur, what are your compulsory insurance?
What is the price of professional auto entrepreneur insurance?
Self-employed professional civil liability insurance
What are the best auto entrepreneur insurance?
Auto entrepreneur, what are your compulsory insurance?
Professional Liability
Status
Mandatory for regulated professions, optional for others
advice
Recommended for everyone to protect themselves in the event of misconduct or professional accidents (which may expose you to criminal charges)
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
Specific insurance - ten-year guarantee
Status
Mandatory for construction and building professionals
advice
Other specific insurance may be mandatory depending on your activity
What is the price of professional auto entrepreneur insurance?
Professional Liability
Average annual price (€)
100 € / 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 auto entrepreneur insurance comparators
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Self-employed professional civil liability insurance
Professional liability insurance is only compulsory for certain regulated professions, namely healthcare, legal, construction professionals, real estate agents, accountants, etc.
For other professions, it is still strongly recommended. During your activity, your responsibility is engaged multiple times, so it can quickly happen that it is called into question. For example, if you work in the food industry, your liability may be questioned following the food poisoning of a client. Pro RC insurance will also cover you in the event of an accident due to your structure (an object in your shop that falls and injures a supplier for example), damage related to the products you sell or to the objects you repair, among others. .
What are the guarantees of the RC Pro auto entrepreneur insurance?
Public liability
Main risks
In case of fault, error and forgetting during a service
Probability
Important
Comments
Material, immaterial and bodily damage covered
Bodily accidents
Main risks
Due to the premises, to the delivery, to a product
Probability
Mo
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