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.

A movie
or music buff?

A movie or music buff?

If you own a large movie or CD collection, you should know that, in case they’re stolen, most policies include a maximum indemnity amount.

Learn More
Répondez au quiz!