Situation
An employee damages a client's furniture while on a job.
Consequence
Your business is liable: business liability insurance covers the damage and defends you against unjustified claims.
Professional / business liability
Your business protected against third-party claims.
Damage caused to a client, a supplier or a passer-by can threaten an entire business. We tailor your liability insurance to your trade, your turnover and your real risks.
Why it matters
Very real situations.
Situation
A product you supplied causes damage at a client's premises.
Consequence
Product liability may apply, even without fault: it must be covered explicitly.
Situation
A mistake in your advice causes a client to lose money.
Consequence
This is pure financial loss, which only suitable professional liability insurance covers.
What we cover
The essentials, explained simply.
Bodily injury and property damage
Third-party claims for injuries or damage caused by your business or your employees.
Passive legal defence
The insurer examines the claim and fends off unjustified claims at its own expense.
Product liability
Damage caused by the products you manufacture, import or supply.
Pure financial loss
Errors in advice, calculation or planning: essential for consultancy, fiduciary or engineering firms.
Entrusted property & work at third-party premises
Your clients' property that you work on, often excluded by default.
Environmental damage
Accidental pollution of soil or water linked to your business.
International cover
If you supply goods or work abroad, the territorial scope must be adapted.
Points to watch
The mistakes we see most often.
- 01
A sum insured that is too low
A serious bodily injury claim can reach very high amounts: the sum insured must reflect your real risks, not the market minimum.
- 02
Undeclared activities
An activity added since the contract was taken out (a new service, a new market) may not be covered.
- 03
Confusing business and professional liability
Business liability insurance covers bodily injury and property damage; pure financial loss resulting from advice requires professional liability insurance.
- 04
Forgetting entrusted property
Your clients' property that you repair, transport or store is often excluded: a specific extension is needed.
Our method
Support in 4 steps, with no effort on your part.
- 01
Analysis
Your contracts, your needs, your goals: we carry out a full review.
What you get
A clear overview of your cover
- 02
Comparison
As an independent (non-tied) broker, we compare offers from many insurers, without bias.
What you get
The best offers, compared for you
- 03
Set-up
We handle the formalities, from cancellations to new contracts.
What you get
No admin for you to deal with
- 04
Follow-up
Claims, life changes, regular reviews: we stay by your side.
What you get
A dedicated point of contact, for the long term
- Non-tiedIndependent broker
- FINMARegistered · F01536191
- +2'500Clients supported
- 98%satisfaction rate
- +10 yearsof experience
Frequently asked questions
Professional / business liability:your questions.
Our experts' answers to the questions we are asked most often.
Not in general, but it is for certain regulated professions, and clients or project owners often require it. In practice, few businesses can do without it.
Let's talk about your situation.
A first conversation to review your business and its needs.
Book an appointmentRelated areas
Also worth exploring.
Commercial property insurance
Premises, goods, equipment, business interruption.
- Fire, water damage, theft
- Equipment and goods
- Business interruption
Business legal protection
Contract disputes, employment law, debt collection.
- Contract disputes
- Employment law
- Debt collection
Cyber insurance
Cyberattacks, data leaks, ransomware.
- Crisis management
- Data restoration
- Liability in the event of a leak
Official sources
General information, as of 2026 — it does not replace personalised advice.