When you start your own business, it is important that you take out the right insurance policies. But there is no such thing as a standard package of insurance policies that apply to every starter.

Sometimes things can can go wrong in the conduct of your business and result in loss or damage to other parties like customers or neighbouring businesses. If the loss or damage is due to an error on the part of one of your company's staff or you as company director, you have to put the damage right or pay compensation.

KBC Vehicle Insurance for LGVs provides you with comprehensive cover when you are on the road. You build your own package: besides the compulsory third-party liability insurance, you can add various forms of cover ranging from assistance insurance to insurance for goods in transit.

With KBC Guaranteed Income Insurance, you can, as a self-employed person, cover up to 80% of your professional income in case of illness and accidents outside of and at work (including while travelling to and from work).

The chances of survival of your company depend in part on the building in which your company is located. You therefore want to protect and insure that patrimony as well as possible in case it should go wrong. Which insurance do you need?

A VSPSS, or Voluntary Supplementary Pension Scheme for the Self-Employed, is the most tax-advantageous way for the self-employed to accumulate supplementary pension.

An IPS or Individual Pension Scheme is a supplementary pension premiums paid by the business manager and are tax-deductible for the company as professional expenses.

As a company manager, you want to keep your colleagues motivated. Should you raise their gross salaries? Maybe, but they will not receive the same amount after tax. The KBC Team Benefit Plan enables you to offer your employees a beneficial alternative. It is a simple way to organise a high quality supplementary pension policy for your employees. Not only that, but during their careers they benefit from additional security due to the supplementary insurance cover.

After an insured claim event, you may, for a while, find yourself unable to perform your professional activities or unable to perform them properly. KBC Business Interruption Insurance allows you to cover the decrease in your operating result.

The KBC Production Loss Insurance allows you to safeguard the continuity of your business.

Goods in transit insurance protects your load against theft or damage if you're travelling around with a significant amount of capital equipment and merchandise in your vehicle. Recommended for tradespeople (such as plumbers, joiners and electricians) and delivery services (like drinks deliveries). This insurance applies during transport for your own account.

There are quite a few situations in which legal assistance is more than just ‘nice to have’. Legal assistance insurance provides you with the legal and financial back-up you need. That’s reassuring for any company manager or director.

Building a supplementary pension by way of a social VSPSS (social voluntary supplementary pension scheme for the self-employed) gives you maximum protection and tax benefits.

If you want to protect your company against cybercriminals and data breaches, KBC Cyber insurance will give you all the protection you need. We’ll call in specialists who’ll get you up and running again quickly, and we’ll also reimburse your recovery costs.