For certain professions, such as architects and certain liberal professions, it is legally required. In other sectors, it is often contractually required.
Antilope De Bie Printing
Solutions
Professional liability
An error in advice, calculation, or design can have major financial consequences for your client. Even when acting in good faith, you may be held liable for the resulting damages.
Professional liability insurance protects your business against claims arising from professional errors, negligence, or mistakes.
What is professional liability insurance?
Professional liability insurance covers the financial loss that a client suffers due to an error in your professional services.
This concerns errors in:
- Advice or consultancy
- Studies and calculations
- Design and engineering
- Administrative processing
- Supervision and control
- Granting of licenses
Unlike Public Liability insurance, this does not involve material damage caused by your activities, but rather damage resulting from an intellectual or non-material professional error that has financial consequences for your client.
What are the benefits?
Covers financial damage caused by errors in advice or services.
Covers defense costs in case of liability claims.
Covers claims for damages that threaten your reputation and continuity within the insured framework.
Covers contractual liability within the insured framework.
Who is this insurance for?
Professional liability insurance is essential for companies and professionals who provide advice or offer intellectual services, such as:
- Consultants and advisors
- Engineers and design firms
- Architects
- IT companies and software developers
- Accountants and financial service providers
- Liberal professions
For some professions, this insurance is legally required. For others, it is not mandatory or contractually required, but it is still a necessary safety net to ensure the continuity of the business when a third party files a significant claim for damages.
Van Dessel will work with you to determine which coverage is legally or contractually required. span>
What is covered and what is not?
What is covered?
- Pure financial loss suffered by third parties
- Financial loss resulting from professional errors
- Legal defence costs
- Settlement agreements, where covered under the policy terms
What is not covered?
- Intentional acts
- Criminal fines
- Claims arising from activities outside the scope of the insured professional services
- Bodily injury or property damage (unless covered under an additional extension)
How much does this insurance cost?
The premium depends, among other things, on:
- Your profession and activities
- Your turnover
- The geographical reach of your activities
- The size and nature of your assignments and clients
- Specific contract clauses agreed on with your clients
- Your claims history
- The desired coverage and insured amounts
An IT consultant with international projects faces different risks than a local consultancy firm.
Van Dessel negotiates with specialized insurers and provides a solution that matches your risk profile.
Stories from our customers
Groep Steylaerts
Patrick Steylaerts: “Wij hebben het volste vertrouwen in onze verzekeringspartner Van Dessel.”
Germo bvba
Bram Gers: "Vooral het maatwerk is de reden waarom ik met Van Dessel in zee ben gegaan."
Van Wellen Group
Tom Bolsens: "We waren verrast dat er uit zo'n kleine hoek dreiging kon komen."
Our promise to you
Personal & involved
a tailor-made partner
We start from your specific situation and take the time to thoroughly understand your risks, needs, and objectives. This way, you receive advice and guidance tailored to your business and everyday practice.
Expertise & experience
already 80 years in insurance
Thanks to our years of experience, we analyze your risks and insurance needs with a broad perspective. We provide a well-thought-out approach, clear solutions, and the right protection for your business.
Customization & innovation
beyond standard insurance
No standard formulas, but solutions tailored to your activities and challenges. From analysis and implementation to support in case of claims: we provide an approach that works in practice.
Would you like to receive a quote?
Do you want to be sure that your professional liability is properly insured?
We analyze your activities, contracts, and potential risks. You will receive clear advice and a proposal tailored to your company.
Request a quote without obligation or contact our specialists.
Insights for entrepreneurs
08 June 2026
3 min.
The hidden impact of Branch 23 in your group insurance
A group insurance policy is an important part of the remuneration policy for many employers. It…
02 June 2026
1 min.
Increase in insurance tax from July 1, 2026
The Belgian government has officially approved the increase in the tax on insurance operations…
18 May 2026
2 min.
Occupational accidents: why a timely and accurate report is crucial
In the case of a workplace accident, the focus is often immediately on the medical consequences…
06 May 2026
2 min.
Fuel theft: an underestimated risk for your business
Fuel theft is not a new phenomenon, but the number of incidents is increasing and perpetrators are…
Need help? Contact us.
Didn't find the answer to your question, or would you like to discuss your situation with a specialist? Our colleagues are happy to help you.
Prefer faster help? Check out our frequently asked questions.
Our experts
