Family legal protection covers personal disputes; the professional version targets business-related conflicts. Choose according to your needs, risks, and status.
Disputes with clients, neighborly conflicts, or disagreements in private life… Legal protection can become a valuable shield. But what are the differences between a professional version and a family version? How to choose the right one according to your status (individual, self-employed professional, entrepreneur)? This article guides you to make the right choice, without paying for unnecessary coverage.
What is legal protection?
Legal protection insurance is a type of insurance that covers the costs of defense or recourse in the event of a dispute, whether amicable or judicial. It may also include legal assistance (consultations, drafting letters, mediation, expert opinions) depending on the case.
It can be included in other contracts (car, home) or taken out independently as a stand-alone policy.
The characteristics of family legal protection
Areas covered
- Consumer disputes (purchases, after-sales service)
- Disputes with service providers (internet, telephone, tradespeople)
- Neighbor disputes, nuisance caused by neighbors
- Disputes with the landlord or tenant
- Employment law (for the insured person as an employee or in a personal capacity)
Frequent exclusions
- Disputes concerning professional activity
- Intentional criminal cases
- Conflicts that already existed before subscribing
Advantages
- Coverage tailored to everyday needs.
- Often modest contribution, can be combined with car/home insurance.
- Affordable assistance when needed.
What is professional legal protection?
Areas covered
- Commercial disputes with clients, suppliers, and service providers
- Collection of outstanding debts
- Disputes related to the activity: non-performance of contract, delay, faulty workmanship
- Conflicts with the administration (URSSAF, taxes, regulations)
- Conflicts between partners, liability of managers
Specificities
- Often higher coverage amounts
- Coverage tailored to the sector of activity.
- Importance of the legal ceiling and franchises
- Dispute declarations within strict deadlines
Comparison: Family vs. Professional
| Criterion | Family version | Professional version |
|---|---|---|
| Targeted usage | Daily life, home, cars | Activity, clients, contracts, employees |
| Cost | Generally weaker | Higher contribution depending on the profession. |
| Ceiling / uprights | Suitable for personal disputes | Higher for professional stakes |
| Deadlines and conditions for declaration | Standard conditions | Stricter deadlines, strengthened formalities |
| Excluded risks | Professional disputes | Personal disputes often excluded. |
In which case should you choose which version?
- If you are an individual only : the family version is often sufficient.
- If you are self-employed (freelancer, micro-entrepreneur), choose professional or mixed legal protection.
- You are a business owner with employees: the professional version is almost a necessity.
- If you want to keep costs down, start with the family version and add specific pro options.
Why take out your legal protection insurance with KT Assur&Bank?
- Modular solutions: family version, professional version, or mixed version.
- Transparent pricing based on profile, activity, or usage.
- Dedicated advisor to analyze your real needs.
- Legal support included as per contract.
- It is possible to add this coverage to your car/home or professional insurance policies.
Conclusion
Legal protection is a valuable safety net. But it's not something to sign up for without thinking: depending on your status (individual/professional), your risks, your budget and your needs, the suitable version can be very different. With KT Assur&Bank, you benefit from tailored support to choose the ideal legal protection for you.