Professional liability insurance
Worldwide cover for digital professionals
For digital professions
Cover for service-based businesses
Worldwide coverage
For EU registered professionals
All digital
Handle all your needs online
Why get professional liability insurance?
Professional liability insurance or assurance responsabilité civile professionnelle / Beroepsaansprakelijkheidsverzekering protects digital professionals against the financial consequences of third-party claims arising from your work.
Defense & legal costs cover
Even unjustified claims can cost thousands of Euros to defend. Feather covers the cost of legal defense, settlements, and judgments up to your chosen sum insured.
Modern digital risks, included
Beyond classic professional errors, Feather covers GDPR claims, warnings, cease-and-desist letters, and third-party cyber damage.
Required by clients and regulators
B2B contracts and many regulated professions require proof of cover before you can sign or practise. We issue documents instantly.
Who needs professional liability insurance in Belgium?
Professional liability insurance is essential for digital professionals who give advice, deliver a service, or produce digital deliverables. Feather is built for EU-based freelancers and businesses with annual revenue under €3,000,000 — and your cover applies worldwide.
Digital consultants
Cover for advice claims, missed deliverables, and confidentiality breaches in digital strategy work.
Software developers
Cover for code defects, IP disputes, missed deadlines, and third-party cyber damage to client systems.
UX/UI designers
Cover for design errors, IP disputes, missed deadlines, and rejected-work claims on digital products.
Digital marketers
Cover for campaign errors, GDPR breaches, IP claims, and missed performance targets on paid and organic.
Content creators
Cover for copyright claims, defamation disputes, missed deadlines, and IP disputes on commissioned content.
IT contractors
Cover for system failures, integration errors, missed go-lives, and third-party cyber damage to clients.
When to use professional liability insurance?
Negligent-advice claims
A client acts on your professional recommendation, loses money, and holds you responsible. Defending a negligence claim typically runs €8,000–€20,000, even if you're ultimately cleared.
Late-delivery penalties
Missed deadlines can trigger contractual penalties of €15,000–€50,000, depending on contract size.
Cross-border disputes
Working with foreign clients via a receipt book? Non-payment runs €15,000–€40,000 in defence.
Ready to get covered?
Protect your business from costly client claims. Quote in 2 minutes.
What's covered?
Business errors or negligence
If a client claims you made a mistake, cost them money or caused them harm.
Legal defense costs
The legal fees if you need a lawyer to defend yourself against a claim, are covered.
Misrepresentation & inaccurate advice
You’re also covered if you're accused of giving inaccurate information on your services.
IP & copyright claims
Cover against third-party claims that your code, designs, or content infringe their IP or copyright.
GDPR & data-protection claims
Third-party claims from GDPR violations or data-handling errors: defense and settlement covered.
Missed deadlines & penalties
Contractual penalty claims when a project runs late or doesn't meet the specification.
What isn't covered?
Intentional or fraudulent acts
Damages caused by deliberate misconduct, fraud, or dishonesty are not covered.
Pre-existing claims
Claims you knew about or could reasonably anticipate before your policy start date are excluded.
Bodily injury & property damage
Physical injury to third parties or damage to their property — covered by our optional general liability add-on.
Employee-related claims
Injuries to your own employees are covered by employers' liability, a separate policy.
Non-EU based businesses
If you're registered outside the EU, you'll need a local insurer.
Fines & regulatory penalties
Regulatory fines (e.g., GDPR fines from supervisory authorities) aren't insurable. Third-party GDPR claims are still covered.
How much cover do you need?
The right amount of cover depends on your annual turnover and client requirements. A common rule of thumb is to carry cover equal to 3× your annual turnover, or the amount your client contract requires. While many smaller businesses choose €100k–€300k, larger contracts often require €500k–€1M+.
Upgrade your coverage with general liability
General liability cover protects against the risks that professional liability doesn't: bodily injury, property damage, and damage to items in your care. It's optional, but most client contracts and rented venues require it.
€2M to €10M cover
Pick the sum to match your client contracts or rented-venue requirements.
Bundled in one quote
Add it in one click during checkout. €250 excess applies.
Don’t take our word for it
+100,000 happy customers
Experience peace of mind with insurance crafted by expats, for expats.
+22,000 claims processed
Fast and reliable service to get your money back in days, not months.
4.8 Star rating
Over 1,700 reviews can't be wrong.
English-speaking support (and others)
No need for translations—our team speaks your language.
All digital
Sign up, file claims, and manage your policy within our app.
Privacy first
We store your data in Europe; it remains private, secure and GDPR compliant.
Special deals
For those starting a new entrepreneurship and the ones looking for mid-term coverage.
Start-up discount
Was your businesses founded within the last 12 months? Get a 15% discount on your annual premium.
Term discount
Get a 10% discount on your annual premium, in case you choose in a contract term of 3 years or longer.
