In this article I explain the most common risks and how you can protect both your company and your private life.
Professional liability
If something goes wrong during your work and a client suffers damage, you may be held liable. In many sectors, professional liability insurance is essential.
It covers financial losses caused by mistakes, negligence or incorrect advice.
Operational risks
Fire, theft, water damage or IT failure can interrupt your activity. Business interruption insurance can help absorb the financial impact.
Personal liability
In a sole proprietorship, private and business assets are closely linked. In a BV, private risks are usually more limited, provided management is responsible.
Choosing the right legal structure is therefore already an important protection measure.
Contracts and clear agreements
Many conflicts arise from unclear agreements. Good contracts define responsibilities, deadlines and payment terms before problems arise.
Illness and income protection
What happens if you cannot work for a while? Additional insurance can protect your income beyond the basic social security cover.
My advice
Protection is not about fear, but about peace of mind. If risks are mapped out in advance, you can focus fully on your business.
During a consultation, we look together at:
- which risks are realistic in your activity
- whether your structure offers sufficient protection
- which insurances are useful (and which are not)
- how contracts can avoid future disputes