Professional liability insurance
As a freelancer in Belgium, your expertise is your most valuable asset. But even with the best intentions and professional standards, mistakes can happen — and those mistakes can lead to financial loss for your clients. That’s where the Professional Liability Insurance comes in.
What is the Professional Liability Insurance?
The Professional Liability Insurance* protects freelancers and self-employed professionals against claims related to professional errors, negligence or failure to deliver services as agreed. It covers financial damages suffered by third parties (usually clients) due to your professional activities. (*in Dutch: beroepsaansprakelijkheidsverzekering)
Who needs it?
This insurance is especially important for freelancers who provide advice, technical services or creative work — such as consultants, IT specialists, architects, marketing professionals, accountants and more. In some regulated professions, such as law or healthcare, this insurance is even mandatory.
What does it cover?
• Professional mistakes or negligence (e.g. giving incorrect advice or missing a crucial deadline)
• Breach of contract or professional duties
• Legal costs in case of a dispute or lawsuit
• Financial losses caused to a client (not physical injury or property damage — that’s covered by the General Liability Insurance)
Why is it important?
One claim — even if unjustified — can lead to costly legal battles or settlements. With the Professional Liability Insurance you protect not only your business, but also your personal finances and your reputation.
Is it expensive?
Premiums depend on your profession, turnover and level of risk. But in most cases, the cost is manageable — and far less than the cost of an uncovered claim. It’s an essential safety net for any serious freelancer in Belgium.
Feel free to contact us for a free, no-obligation quote tailored to your profession.