You live off your expertise. A mistake, an illness or a drop in income at retirement can weigh heavily. Cinassur, an independent broker, helps you cover these risks and centralise your entire insurance file in one place, anywhere in Belgium.
Get my free quote See the 3 priorities
As a consultant, your income depends on your time, your reputation and your decisions. Three situations can undo years of work. Our three priorities address each one — and for everything else, we handle your other policies too.
An error, an oversight, a misread piece of advice can cost you dearly. Professional liability compensates the harmed client. Legal defence pays the lawyer who defends you. Two complementary covers.
Explore priority 1 →Illness, accident, hospitalisation: no activity means no invoicing, and the state health fund pays only a flat amount. Three solutions exist to maintain your income and fixed costs while you recover.
Explore priority 2 →Your statutory self-employed pension will be low. A supplementary pension (PLCI, CPTI, EIP) builds retirement capital while cutting your tax, and often your social contributions, every year.
Explore priority 3 →Car, property, family liability, hospitalisation… we manage the rest of your contracts too. Three priorities to start, a complete file thereafter.
A practice approach, not a sales funnel. You decide with full knowledge of the facts.
Status, client contracts, how you pay yourself, commitments: we map your real risks, without jargon.
We approach the insurers suited to your profile, dissect cover, limits and exclusions, and keep what truly protects you.
Clear contracts, a contact who knows you, and follow-up at every change in your business or in the event of a claim.
Cinassur was born from the collaboration between the Dinant and Ciney offices, joined by a presence in Brussels and Eghezée. Now part of Groupe Finch, we combine the strength of a group with the closeness of teams that answer.
Much of our contact happens remotely: wherever you carry out your assignments, you keep the same adviser and a file managed end to end.
Good advice and responsive, they helped me from start to finish of my self-employed status. I recommend them.
Competent, efficient and fast: everything you expect from a broker. Highly recommended.
Friendliness and efficiency on files and enquiries. Fast, attentive follow-up from the start to the end of the contract. I recommend them wholeheartedly!
Speed, efficiency and professionalism. I recommend Cinassur for its quality support.
Except for regulated professions, the law does not always require it. But your clients almost always demand it in engagement contracts: without it, a mistake or poor advice can put your personal assets at risk. In practice, it is often professional liability that unlocks the signature of a contract.
General (operating) liability — RC exploitation in Belgium — covers extra-contractual damage: harm caused to a third party outside the contract (for example material damage during an assignment). Professional liability covers faults linked to performing your assignment: error, wrong advice, delay, breach. For a consultant the operating risk is low, so general liability is often included cheaply, or even free, within professional liability.
Three solutions combine: personal accident cover (incapacity due to an accident, 24/7), guaranteed income (accident and illness, based on your remuneration) and key-person insurance, or keyman (based on turnover, the benefit going to the company to cover fixed costs). The right mix depends on your status and how you pay yourself.
A self-employed person's statutory pension is low compared with their working income. A supplementary pension (PLCI, CPTI, EIP) lets you build retirement capital while cutting tax and, for the PLCI, social contributions. The earlier you start, the greater the effect.
Cinassur is independent and tied to no insurer. Depending on your profile and needs, we approach the relevant insurers, compare cover and exclusions, and advise in your interest only. In the event of a claim, you have one contact who knows your file and defends it.
In a few minutes, we identify your real exposures and propose clear cover at the right price.