Insure my professional activity

As a self-employed person, you do not have an employee's automatic safety net. Finwise helps you prioritise the insurance that truly protects your activity, liability and continuity.

What is it?

Protect the activity you have built

Insuring your professional activity means covering errors, disputes, accidents, critical tools and interruptions that can stop your turnover.

Mandatory?

Often no, sometimes required

OASI and basic health insurance remain mandatory. Professional liability, accident insurance, cyber and legal protection depend on the trade, client contracts and collective labour agreements.

Objective

Prioritise before comparing

A good plan starts with risk mapping, not with a generic list of insurance policies.

Self-employed activity priorities

Professional liability and means of production before comfort options.

  1. By trade Cyber / legal If clients, data or frequent disputes
  2. Useful Premises and equipment Without which you stop invoicing
  3. Critical Professional liability Errors and client claims

Your activity is both trade and wealth.

Self-employed: protections are not automatic

Unlike an employee, you are not automatically covered by accident insurance, you have no employer salary continuation and you often commit your personal liability. A advice error, material claim, cyberattack or client dispute can directly affect your assets.

Finwise helps you distinguish what is mandatory, what is required by your clients and what truly protects the continuity of your activity.

Cover
Role
To check
Professional liabilityLiability
Protects against the financial consequences of an error, negligence or omission in your services.
Exact services, ceilings required by clients, non-material damage.
Accident insurance / loss of earningsIncome
Covers accident and/or illness when income stops while charges continue.
Optional accident insurance, waiting period, daily amount, exclusions.
Cyber + legalContinuity
Secures IT incidents, client/supplier disputes and defence costs.
Sub-limits, emergency procedure, covered areas.

The logic of self-employed cover

Liability + Income + Tools / continuity = Protected activity

Insurance is only useful if it answers a concrete risk: a client claim, a blocked tool, an accident or interrupted invoicing.

Priority protections for the activity

La Professional liability est souvent le premier filet utile, surtout si vous conseillez, concevez, soignez ou signez des contrats. Pour certaines professions réglementées, elle peut être obligatoire ; pour d’autres, elle est exigée par les clients.

La LAA n’est pas automatique pour un indépendant sans personnel : une couverture accident facultative et une protection de revenus deviennent rapidement prioritaires. La protection juridique, le cyber et les assurances de locaux et matériel complètent le plan selon votre métier.

Consulting / IT / fiduciary

Professional liability, cyber and legal protection often come before equipment. Clients frequently require a guarantee amount.

Crafts / technical trades

Machines, sites, vehicles and business liability weigh heavily as soon as a tool or site stops.

Commerce / services

Stock, premises, business interruption and liability to clients become critical for continuity.

100% digital activity

Dependency on data, online invoicing and client-related liability: cyber and professional liability come before premises.

Common pitfalls

Mistakes often come from a plan built too quickly, or only around the price of the premium.

Liability cover that is too genericIt does not necessarily cover your real professional services.
Basic health insurance confused with incomeIt pays for care, not your invoicing when you stop working.
Equipment without continuityInsuring tools without business interruption leaves cash flow exposed.
Frozen planA new service, new client or digitalisation change the necessary covers.

You already have policies: what should you check?

Check whether your covers still follow your real services, client ceilings, exclusions, optional accident insurance and digital dependency. A quick audit often removes overlaps and fills the most costly gaps before a claim.

With Finwise

We build clear cover for your trade

We analyse your activity, contracts, critical tools, cash flow and obligations. Then we compare solutions to protect what really matters, without overloading your self-employed budget.

Finwise Assurances partner logos

Go further according to your priority

These pages detail the covers that most often make up coherent activity protection for self-employed people.

Professional liability Protect my income Legal protection Premises and equipment

Insure my activity View professional liability Self-employed solutions

Let’s talk about your needs

Tell us about your situation in a few lines. A Finwise adviser will contact you to clarify your options and compare suitable solutions.