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Liability insurance for freelancers in Belgium

If you are a freelancer and you work with a client, you might cause damage to them or their business. The liability insurance covers the costs, including legal ones, related to this damage. Discover all about it in this blog.

Last updated on 30 March 2023 by Jenny Bjorklof

1. What is liability insurance exactly? 

According to Investopedia: it provides an insured party with protection against claims resulting from injuries and damage to other people or property. Liability insurance policies cover any legal costs and payouts an insured party is responsible for if they are found legally liable. Intentional damage and contractual liabilities are generally not covered in liability insurance policies. Unlike other types of insurance, liability insurance policies pay third parties, not policyholders.

2. What do you need liability insurance for?

Who pays what when someone steps over your laptop bag and hurt themselves when you visit a client? Other examples of potential damages: 

  • Lawsuits
  • Copyright infringements
  • Data breaches
  • Cyber-attacks
  • Property or equipment damage 

Some companies, mainly larger ones require freelancers to have liability insurance before starting an assignment. 

3. How much does it cost? 

The price of liability insurance depends on your profession, risks and coverage. Anything between 100-500 € a year. It’s recommended that you read the small print carefully before purchasing your insurance to avoid surprises. 

In some cases, it’s not possible to get liability insurance. This is for example if the profession is too difficult to define or the damage risk is perceived to be too high. 

4. Where do I get liability insurance? 

Insurance providers and brokers such as Securex Insurance Agent but also major banks provide liability insurance.

Tip: Remember: next to liability insurance you can and should additionally protect yourself with sound contractual agreements between yourself and your client.

Contact Securex Insurance Agent to get advice about your insurance and legal needs.

Kickstart your career as freelancer with the tools of Securex

Jenny Bjorklof

I’m a super-connector. I love connecting the right people and the right knowledge to help people move forward. I’m the community manager of the fast-growing Facebook group Freelancers in Belgium.

I’m also very active on LinkedIn and I offer training on how to use it optimally.

Originally I came from Finland, but I moved to Ghent more than 10 years ago.