Self-employed worker

Separate insurance

You cause damage to a third party. Your home insurance policy doesn’t provide coverage in this case. However, when you buy self-employment insurance, you add civil liability coverage.

Most common exclusions

  • Production or processing of dangerous materials.
  • Businesses with several employees.
  • Damages for which you are liable under a contract made with your client.
  • Damages related to your professional responsibility.

And what if you unintentionally cause damage not directly related to your professional activities? Then civil liability coverage kicks in. Watch out for exclusions! A self-employment policy, like any insurance policy, also contains exclusions.

Does your
policy cover an
Act of God?

Does your policy cover an Act of God?

All are sometimes referred to as Acts of God. Some are automatically included in home insurance policies. Others can be insured by adding a coverage known as an endorsement. Learn More

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