Is it mandatory to be insured when working in the web sector? (by RiskAssur edited by FRANOL Services)

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Is it mandatory to be insured when working in the web sector?

The article has been read 810 times since it was published on 17/10/2022 at 17:04:35 (length: 3606 characters)

Do you work remotely and on a computer? Then you are probably self-employed, freelance or self-employed. There are many terms to qualify. Your missions take place on the Internet, do you doubt the need to take out professional liability insurance. But is it a legal requirement to be insured when you work in the web sector?

For whom is commercial liability mandatory?

Let’s break down received ideas together. Not all businesses are required to take out insurance. Nevertheless, it is a more than recommended approach. Some jobs, on the other hand, have a duty to do so. These are regulated professions, such as:
– Sports
– health
– construction
– transports.

Some of these areas of activity also have major characteristics, such as construction, for which you must take out ten-year insurance. It covers the contractor for up to 10 years after the completion of the work. There is also business loss insurance, which covers entrepreneurs who have premises and are unable to operate due to the latter’s unavailability. The business manager then receives compensation for the loss. Thanks to this guarantee, you can also have temporary premises. Insurance policies for auto entrepreneurs are numerous, and each one is researched to meet the needs of each area of ​​activity.

Professional civil liability within the web

What you need to remember is that professional liability covers you in many cases. You practice your profession on the Internet, so there is little risk that you will be liable for bodily injury or material damage. On the other hand, you may encounter minor difficulties. It is in this sense that it is important to be insured. For example, you may be held liable for deleting computer data or having it hacked by a malicious person while it was in your possession. If you perform community management, it is also possible that you will be accused of tarnishing the reputation of a structure by making a mistake in your writings.

As in all professions, you may take longer than expected to complete missions. In other words, to be late. You must also be protected from that, because it is something you can be blamed for. Be careful, you have to be careful. Make sure you are covered for all your customers. Some insurances are only valid for customers coming from certain countries.

Legal coverage

When you take out professional liability insurance, you have the opportunity to choose different options to get optimal protection. You will therefore be offered legal cover. If this is optional, however, it can be a valuable ally. This will allow you to be supported during a conflict with a third party. In this way, you will be compensated in the procedural steps. There is no need to think that while you are working on your computer, you are protected. Your customers can blame you for things and go to court for it. It is for this reason that it is important to think about everything.

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