Does a micro-entrepreneur have to be insured?

Verified 22 September 2023 - Legal and Administrative Information Directorate (Prime Minister)

As a micro-entrepreneur, you may be led to to take out insurance according to your activity.

When building your company, it's important to find out if your business is a regulated activity and if it requires the subscription of specific insurance contracts. If you are engaged in a regulated activity, you must enter into a contract Professional indemnity insurance (CPR)).

Depending on your industry, other insurances are mandatory such as ten-year liability insurance (building sector) or medical liability insurance (health sector).

If you use a vehicle in the course of your professional activity, you must take out insurance to protect yourself in the event of This obligation applies to both goods and passenger transport.

If you rent a room to carry out your professional activity, you must also insure it. This insurance protects the premises but also the professional goods and equipment they contain, against certain risks such as fire, water damage, burglary, etc.

Even if you do not have to insure yourself, it is recommended to protect yourself against certain risks. Professional property and casualty insurance allows you to choose the guarantees you need for your business (professional indemnity insurance, property and stock insurance, etc.

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