What are the best insurances for freelancers?

What are the best insurances for freelancers?


Find out everything you need to know about insurance for freelancers. What are the specific needs related to your freelance activity? What are the main risks in your business? When do you become responsible? All our advice and the list of the best insurances for freelancers valid whatever your specialty: IT, design, graphics etc.

Summary

    What is the price of the RC Pro freelance?
    How does freelance professional civil liability insurance work?
    What are the guarantees of professional civil insurance?
    Freelance, what other insurances should you think about?

What is the price of the RC Pro freelance?

There are many RC Pro insurance contracts available to insure you as a freelancer.

Here we present the contracts with the best value for money:
Solly Azar
Guarantees
RC Exploitation, RC Pro, Legal Protection optional
Opinion
The most competitive contract on the market.
Rate
177 € / year with the broker Coover
AIG
Guarantees
RC Exploitation, RC Pro, Defense and Recourse
Opinion
Monthly payment free of charge
Modular roofing ceiling
Rate
€ 199 / year with the broker Coover
AXA
Guarantees
RC Exploitation, RC Pro, Defense and Recourse
Opinion
Monthly payment free of charge
Best contract for micro-entrepreneurs
Rate
270 € / year with the broker Coover
(180 € / year for self-employed people)
Hiscox
Guarantees
RC Exploitation, RC Pro, Defense and Recourse
Opinion
Insurer specializing in freelance professions
Many optional insurance
Rate
275 € / year with the broker Coover
RC Pro Freelance Award 2022

The RC pro tariffs presented here correspond to the basic contracts. For freelancers with a turnover greater than € 200,000, the rates for RC Pro insurance will be higher.
How does freelance professional civil liability insurance work?

Freelance jobs are not regulated, therefore professional civil insurance is recommended but optional.

Freelance RCP protects you in the event of damage caused to a third party during your professional activity. This also concerns material, immaterial and bodily damage. The damage can be caused by you, your service providers or your equipment.

In the event of a claim, it is the insurer (and not you) who will compensate the victim of the claim.

RCP insurance covers all activities that can be carried out as a freelance (IT developer, SEO consultant, copywriter, graphic designer, media strategy consultant, designer, salesperson, community manager, UX and UI, etc.).
What are the guarantees of professional civil insurance?

Freelance RCP insurance contracts contain various guarantees included or optional in your basic base:
Freelance professional civil liability
Example
You do not deliver a project over time and your client turns against you
Probability
High
Comments
Special offers exist for self-employed freelancers
RC Exploitation (RCE)
Example
You break equipment at a customer's premises by accident
Probability
High
Comments
Operating liability is a so-called general liability which covers damage not resulting directly from a service
Defense and appeals
Example
You are ordered to pay legal costs
Probability
Weak
Comments
Rarely used but very useful because of the amounts involved in the event of a procedure
Juridic protection
Example
Dispute with a subcontractor or a client that you must settle with a lawyer
Probability
Medium
Comments
Warranty often available as an option but rarely in the base base

    Whatever your freelance activity, these guarantees will be essential to carry out your activity serenely.

In addition, many clients ask for a certificate from RC Pro freelance when submitting calls for tenders or before having you sign a contract.
Freelance, what other insurances should you think about?
Mutual health
Character
Optional
Remark
The mutual health insurance allows you to supplement the reimbursements of the Health Insurance. With the Madelin law, deduct your contributions from your taxable income.
Rate
from 35 € per month for an intermediate formula.
Professional multi-risk
Character
Sometimes required by the landlord.
Remark
Covers your business premises and loss of activity linked to a disaster (fire, burglary, etc.). If you work from home you can request an extension to your home insurance contract.
Rate
from 250 € / year
Foresight
Character
Optional
Remark
Daily allowance insurance is essential to be well covered in the event of sickness or disability.
Your