Starting your own business as a micro-enterprise offers great freedom, but it also means protecting yourself against unforeseen events: customer disputes, property damage, cyber-attacks, etc. With so many options on the market, it's not always easy to know what coverage is actually necessary for a freelancer starting out. KT Assur&Bank , a specialist in insurance for professionals, will guide you step by step to build a tailor-made contract that's both minimalist and scalable.
Mandatory guarantees
Professional Civil Liability (RC Pro)
- Covers damage caused to third parties in the course of your service (injury, material damage).
- Recommended ceiling: €200,000 per claim, adjustable according to your turnover and sector of activity.
Civil Liability Operation
- Protects against damage to your premises or during an intervention at a customer's premises.
These two pillars are essential: without professional liability insurance, you cannot legally invoice for most service or craft activities.
Highly recommended guarantees
Legal Protection
- Coverage of attorney fees , court costs and legal advice to manage a commercial or contractual dispute.
- Essential for securing your customer relationships and avoiding costly litigation.
Multi-risk Equipment and Stock
- Covers theft , fire , water damage to your equipment (computer, tools, stock).
- “Replacement value” option for replacement without obsolescence.
Loss of Operation
- Compensates for loss of income if a disaster (fire, water damage) immobilizes your business.
- Based on your average monthly turnover, with a waiting period to be negotiated (1 to 7 days).
Specific options depending on your profession
Cyber risks
- For digital, marketing, e-commerce freelancers: covers data leaks , ransomware , bank card fraud .
Electrical damage
- Essential if you use sensitive electronic equipment (server, professional printer).
Ten-Year Liability
- For micro-business building tradespeople (carpenters, plasterers, etc.), protects the work carried out for 10 years.
How to build your contract?
- Assess your risks : list your activities, your premises, your equipment.
- Choose a broker like KT Assur&Bank to compare multiple offers and negotiate suitable rates.
- Start with a minimalist package (Professional Liability + Legal Protection), then add options as your turnover grows.
- Reassess your contract each year based on your professional development.
Conclusion
As a micro-enterprise, it's best to start with the essential guarantees to protect your liability and income, then adapt your coverage by integrating multi-risk, cyber-risks and business interruption. Thanks to KT Assur&Bank , benefit from personalized support to choose and adjust your guarantees, without unnecessary additional costs, and ensure the sustainability of your freelance adventure.
👉 Contact us for a free quote , a study of your needs and monitoring adapted to your micro-business.