Exercising as a liberal profession requires a certain organization, especially when it comes to ensuring one's activity. Indeed, in this specific situation, there are insurance contracts specially dedicated to covering activities associated with the liberal profession . To give you a better overview in order to ensure its liberal activity, here are some tips for you.
The reasons for taking out insurance as a liberal profession
As soon as we approach the subject of the liberal profession, it should be noted that it extends over several professional sectors . Indeed, among these multiple areas, you will find in particular spheres centered on:
- Health
- Computing
- Services
- engineering
- Computing
- The board
- The right
It all depends on the profile in which you are and the job you do, your needs may change. As a result, different coverages will be adapted to your situation as well as your budget. Not all of them are required to be insured, but it is strongly recommended in the event of illness or temporary incapacity for work.
Ensuring your activity in the liberal profession: guarantees to be seized
While self-employed insurance covers all professionals with self-employed status, those planning to cover their activity as well as their potential benefits obtain a good number of benefits .
You should know that when a person exercises a liberal profession, certain guarantees associated with the insurance concerned are optional, while others may be compulsory.
Guarantees included in an insurance contract associated with a liberal profession
The content of an insurance contract linked to a liberal profession offers multiple guarantees to promote secure coverage against all types of unexpected risks, in particular:
- Fires
- The storms
- Flights
As a result, the guarantees offered and strongly recommended to help people working in the liberal profession are as follows:
- Professional civil liability
- Recourse as well as criminal defense and legal protection
- Protection of premises as well as professional property
- Mutual health insurance
- car insurance
- operating loss
- Foresight
- The so-called “ten-year” guarantee
Whatever profession you exercise as a liberal profession, these guarantees proposed above are fundamental. There are unexpected, even alarming cases, such as a medical error, if you practice in the field of health. It is also important in the event of forgetfulness, or even inattention in the professions associated with the law, which can lead the person in question to a “loss of chance”.
Potential insurance obligations for certain professionals in the liberal profession
As mentioned, for certain liberal professions, obtaining insurance is not an obligation. However, for much more specific sectors, some insurance obligations may be requested.
Indeed, this type of exclusive situation can particularly concern firms operating in the field :
- Health
- Construction
- Transportation
- Sport
- Automotive
- Of the culture
- Recreation
As soon as you are associated with the status of liberal profession , and that, in one of these circles above, you will have to take out a specific guarantee: professional civil liability, also called “RC pro” which we find at insurers like Hiscox .
Exceptionally, if you work in the construction industry , another guarantee is also mandatory: the ten-year guarantee. The latter concerns professionals associated with the liberal profession and working in the building industry. It offers the possibility of covering a structure, and this, for a period of 10 years.
If your company has one or even multiple vehicles available , these must also be insured, especially for activities related to deliveries. The latter must be subscribed to an insurance called “goods transported”. If necessary, an additional guarantee will be associated: the guarantee of loss of goods under regulated temperature.
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