Why take out Professional Civil Liability insurance (RC Pro)?
RC Pro protects businesses and self-employed individuals against the financial consequences of harm or damage caused to third parties (clients, partners, suppliers) in the course of their professional activity or during an accident. In the event of harm, whether bodily, material or immaterial, it covers the compensation costs, including in the event of a claim linked to bodily, material or immaterial damage, as well as defence costs.
- Legal obligation: for certain regulated professions (doctors, lawyers, chartered accountants).
- Financial protection: disputes, whether linked to an accident, damage or harm, can lead to heavy compensation payable by the insured, thereby engaging their civil liability.
- Trust: a mark of seriousness for your partners and clients, this guarantee assures them that your liability is covered in the event of a dispute or claim.
The guarantees of Professional Civil Liability insurance (RC Pro)
Our professional civil liability insurance offers you cover tailored to your specific needs:
- Bodily injury liability cover: injury to a client during a service.
- Professional fault liability cover: errors, omissions or negligence in the course of your activity.
- Immaterial damage liability cover: financial losses suffered by your clients as a result of your services.
What cover does RC Pro insurance provide?
| Plan | Essential Cover | Intermediate Cover | Premium Cover | Base price (per month) |
|---|---|---|---|---|
| Essential Plan | Material and bodily damage caused to third parties | Not included | Not included | From €15 |
| Intermediate Plan | Material and bodily damage | Includes legal protection and post-delivery civil liability | Not included | From €25 |
| Premium Plan | Material, bodily and immaterial damage | Legal protection, post-delivery liability | Complete cover, including professional errors and crisis management | From €35 |
The documents required to switch Professional Civil Liability insurance
To switch your legal protection insurance, you will need to provide a cancellation letter sent by registered mail with acknowledgement of receipt to your current insurer, in accordance with the deadlines specified in your insurance contract or in the general terms and conditions. You will also need to attach a copy of your current contract to inform your new provider of the terms of your previous cover. Proof of identity (ID card or passport), recent proof of address, as well as a bank details document (RIB) will be required for authentication and setting up direct debits. If necessary, a statement of information about your previous disputes may also be requested.
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FAQ - Legal Protection Insurance
Subscription
| Question | Answer |
|---|---|
| What is legal protection insurance? | It is cover that allows you to benefit from legal assistance and the coverage of costs linked to disputes. |
| Who is legal protection insurance for? | It is available to anyone wishing to protect themselves against legal costs and to benefit from legal advice in the event of a dispute. |
| What types of disputes are covered? | Everyday disputes such as consumer, neighbourhood, employment or property issues. |
| How do I take out legal protection insurance? | Subscription is done online, by phone or in branch, after comparing the various offers available. |
| Should I take out legal protection separately from my home insurance? | You can take out individual legal protection or have it included in your home insurance, depending on your needs. |
During the contract
| Question | Answer |
|---|---|
| What costs are covered by legal protection insurance? | The insurance covers lawyer’s fees, expert appraisal fees, and legal procedure costs, according to the terms of the contract. |
| How do I call on the insurance in the event of a dispute? | You must contact your insurer as soon as the dispute arises. They will guide you through the steps to follow and handle your case. |
| What is the coverage limit of the insurance? | The limit depends on the contract, but coverage can go up to €20,000 per dispute for certain contracts. |
| Can I modify my contract while it is in force? | It is often possible to add guarantees or adjust your cover, depending on the terms of your contract. |
| What are the waiting periods? | The waiting period is generally 2 to 3 months, during which you will not be able to use the insurance services for ongoing disputes. |
Cancellation and switching insurance
| Question | Answer |
|---|---|
| How do I cancel my legal protection insurance? | You can cancel at the annual renewal by sending a registered letter. The Chatel law makes cancellation easier by reminding you of the cancellation deadline. |
| What documents are needed to switch insurance? | You will need a cancellation letter, a copy of your current contract, proof of identity and a bank details document (RIB) to take out new insurance. |
| Can I switch legal protection insurance at any time? | You can switch at the annual renewal of your contract or, in certain exceptional cases, such as a change in personal or professional situation. |
| Is it possible to take out new insurance while cancelling the old one? | Yes, it is possible to take out new insurance before cancelling the old one to avoid any gap without cover. |