How to choose your professional insurance?

A genuine tool for protecting professional activity, a tailored contract allows you to take out all the appropriate coverages at once. The self-employed, in particular, have every reason to insure themselves to benefit from personalized coverage. An à la carte plan meets their expectations.

Which professions are covered?

An insurance solution for professionals and small businesses covers a wide range of trades. No professional, in fact, is immune to risk in the course of their activity. Craftspeople, shopkeepers and liberal professions may all need protection if they suffer an incident or loss. The RC pro, or professional liability insurance, covers the entrepreneur if they are personally held liable in the course of their activity. Self-employed workers, regardless of their status, benefit from it in a professional multi-risk insurance contract.

What are the steps to take out professional insurance?

Freelancers and other sole company directors can get insured online in very little time. To benefit from the coverages of this business insurance, you must be a Hello bank! Pro customer. Opening a pro account with this bank is quick, and the transmission of the required documents is secure. For clients, simply call the Hello Team Pro. If your activity meets the criteria, an appointment is scheduled with an advisor. They review with you the appropriate coverages, based on your profession and your actual needs to be covered.

How to choose the appropriate coverages?

In addition to the RC pro, professionals can subscribe to various optional coverages to include in their multi-risk contract. Good protection of business activity is designed to speed up the resumption of activity after an incident:

• Risks related to premises and equipment are covered.
• If the damage affects the company's turnover, business interruption losses are compensated.
• The contract can also cover the rental of new premises on a temporary basis.

Professionals also appreciate certain individualized coverages, such as the breakage or destruction of IT and office equipment.

Advisors always attentive

Professional insurance supports entrepreneurs continuously, from taking out the contract to resolving any potential claim. Through certain plans, policyholders have access to 24/7 assistance. The Hello bank! Pro contract includes a guarding service that secures the damaged professional premises. Stocks and equipment are moved if necessary. This business insurance also offers the intervention of a repair technician for certain breakdowns that disrupt your activity, with the first hour of labor covered. The multitude of coverages prevents you from dipping into your cash flow to pay the often costly expenses of a claim.

If RC pro proves essential for working at clients' premises, other coverages are also important. Business activity protection prevents a work interruption that could jeopardize your company. This coverage helps retain your clientele: an essential precaution that reassures in case of a professional setback. Your movable property and business premises are covered.

This article was written with the help of artificial intelligence. Editorial policy