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LR FINANCES30YEARSOF TRUSTSince 1997

For the self-employed and businesses

Professional liability insurance

A tradesperson who damages a client’s property, an adviser whose mistake costs a client money, a visitor who falls on your premises. Professional liability insurance compensates the damage you cause to third parties in the course of your activity, and covers your defence if your liability is disputed.

Receive an offer

Tell us what you want to insure. We'll come back to you with a priced proposal.

Our partner insurers

  • AXA
  • AG
  • NN
  • Allianz
  • Cardif
  • Baloise
  • DKV
  • DAS
  • Vivium
  • AFI ESCA
  • Patronale Life
  • ARAG

Useful if

  1. 1You are a tradesperson and damage a client’s property on a job.
  2. 2You advise clients and a mistake of yours costs them money.
  3. 3A visitor gets hurt on your business premises.

What the policy can cover

  • Bodily injury and property damage to third parties
  • Financial loss without physical damage, depending on the policy
  • Public liability: premises, visitors, equipment
  • Defence costs when a claim is made
  • Employees and subcontractors, depending on the policy

The exact cover, excesses and exclusions depend on the insurer and the policy. We compare 12 insurers and give you an offer.

Professional liability and public liability

Professional liability covers damage caused by the service itself: a mistake, an omission, unsuitable advice. Public liability covers damage arising from day-to-day operations: a client injured on your premises, an item damaged during a job.

Depending on the activity, one policy combines both, or two separate policies are needed. We check this with you.

Compulsory or not, depending on the profession

Some professions must carry liability insurance by law or through their professional body, others do not. Depending on your activity, the requirement may also come from a client or a contract.

Even when nothing requires it, damage to a third party can exceed what a business can bear alone. We look at your activity, your clients and your contracts before suggesting anything.

Having your situation reviewed

The sum insured, the excess and the exclusions vary a lot from one policy to another. Describe your activity to us, we compare our partner insurers and present the result. You then decide.

What our clients say…

Read all reviews on Google
  • Je suis vraiment très contente du service que j’ai reçu. Toute l’équipe a fait preuve d’un grand professionnalisme et d’une vraie qualité de service du début à la fin. Je me suis toujours sentie accompagnée et soutenue, avec une présence constante et beaucoup d’attention à mes besoins. On sent que chacun donne son maximum pour satisfaire les clients, et cela fait toute la différence. Je tiens à remercier tout particulièrement le courtier Monsieur Kubat Ali pour son professionnalisme, sa disponibilité et son accompagnement tout au long du processus. Son écoute et son implication ont été très appréciées. Un grand merci à toute l’équipe pour leur gentillesse et leur travail de qualité. Je recommande vivement !

    Sirin Yildirim

  • Merci beaucoup à Pinar pour tous les démarches qu'elle a effectuée pour l'obtention de notre crédit! Dès le début elle a été présente, et une personne de confiance. De nos jours c'est tellement difficile de trouver un gestionnaire qui suit parfaitement ces dossiers pour la satisfaction du client. Merci encore!

    Ciftci Baris

  • Excellent service, bon accueil, toujours disponible avec ses clients. Merci à vous Monsieur Bayram. Vous êtes quelqu'un d'exceptionnel et gardez toujours votre sourire et votre hospitalité. Franchement à recommander.

    Chris Luedi

Who will call you back?

Your request is handled here at Passage Charles Rogier by the person who will see it through to signing.

  • Rüstem Liman

    Rüstem Liman

    Financial manager

  • Pinar Mugla

    Pinar Mugla

    Sales associate, mortgages and insurance

  • Ali Kubat

    Ali Kubat

    Mortgages

  • Bayram Cakir

    Bayram Cakir

    Mortgages

  • Bahar Celik

    Bahar Celik

    Instalment loans

  • Tolga Demirkazik

    Tolga Demirkazik

    Insurance account manager

  • Sinan Yilmaz

    Sinan Yilmaz

    Insurance account manager

  • We see clients by appointment, Passage Charles Rogier 10, two minutes from Rogier metro station.

    02 203 24 34

Your questions

Is professional liability insurance compulsory?

It depends on the profession. Some regulated professions require it, others do not, but it is strongly advised. We look at your situation with you.

What is the difference with operating liability?

Professional liability covers damage caused in the course of your trade, for example through advice or works. Operating liability covers damage linked to your premises, visitors and equipment.

Are my employees and subcontractors covered?

It depends on the contract. How employees and subcontractors are taken into account varies from one insurer to another, and we check it for your activity.

Are defence costs covered?

Yes, defence costs are covered when a claim is made, including when your liability is disputed.

Our other insurance products

For individuals