An overview of the main RC Pro providers in Luxembourg - coverage for regulated professions and businesses.
Comparison last updated: September 2026, from the insurers’ public documentation. Our method: we review each insurer’s public offer documents, compare guarantees, options and exclusions, and summarise the differences that actually matter. We are independent and are not an insurer.
Luxembourg does not impose a general RC Pro obligation on all businesses. However, it is mandatory for regulated professions: architects, lawyers, estate agents, doctors, insurance brokers, travel agents, and hoteliers.
A typical policy covers general liability, professional indemnity (errors and omissions), post-delivery liability, and defence costs. Pricing varies significantly by sector, from approximately €500 to €20,000/year, with the financial services sector at the higher end.
Luxembourg has no general obligation to carry professional liability insurance, but regulation imposes it on a series of professions: architects and consulting engineers, lawyers, real-estate agents, travel agencies, medical professions, insurance intermediaries. For all other freelancers and SMEs it is optional in law and indispensable in practice: an error, a delay or faulty advice can put your personal assets on the line.
The first distinction to master: operational liability (RC exploitation) covers damage caused to third parties in the course of business life (a client slipping on your premises), while professional liability (RC professionnelle) covers faults, errors and negligence in the service itself. At Foyer, both parts are combined in a single Business Liability policy, the market’s most common format.
Offers then differ in their packaging: easyPROTECT PRO (LALUX) bundles professional liability, directors’ liability (D&O), fleet, premises and legal protection into one contract, designed for craftsmen, horeca, medical professions and freelancers. Atouts Pro (AXA) targets businesses of 1 to 30 employees in five families of trades (medical and paramedical, office professions, horeca, construction and crafts, retail), with business interruption and post-delivery liability. Baloise separates its offers for freelancers/liberal professions and companies, with dedicated construction solutions. According to market comparison sites, expect around €500 to €1,500/year for a freelancer, more depending on headcount and sector.
Many freelancers and SMEs in the Greater Region work on both sides of the border, the Lorraine-based contractor with building sites in the Grand Duchy, the Luxembourg consultant whose clients sit in Metz or Arlon. The decisive point is the territorial scope of the policy: it must cover Luxembourg and the countries where you operate (Europe-wide cover is standard with the major Luxembourg insurers; worldwide activity must be expressly agreed). Also check the competent jurisdiction and applicable law in the event of a claim, as well as sector-specific obligations in each country of activity (construction, healthcare, regulated professions).
Yes if it is regulated: architects and consulting engineers, lawyers, real-estate agents, travel agencies, medical professions or insurance intermediaries, among others. The minimums are set by the professional body or supervisory authority: compare offers at that level of cover. For other professions it is legally optional, but a simple professional error can put your personal assets at risk.
The two are complementary: operational liability covers damage caused to third parties in everyday business life (a client slipping on your premises, damage caused at a client’s site), professional liability the financial consequences of a fault, error or omission in the service itself. They are often combined in a single policy, such as Foyer’s RC Entreprise.
Premiums depend on turnover, headcount and sector. According to market comparison sites, a freelancer typically lands between €500 and €1,500/year; an SME with a few employees above that. High-risk professions (construction, medical) and additional guarantees (cyber, business interruption) push the premium up.
Europe-wide cover is standard in the policies of the major Luxembourg insurers: building sites in Metz or assignments in Arlon are generally covered. Still, check three things in the contract: the exact territorial scope (worldwide activity must be expressly agreed), the jurisdiction and law applicable in a dispute, and the obligations of the country where you operate, as some professions require a local certificate there.
Tell us about your profession and business. A licensed partner insurer will propose the RC Pro cover your activity needs.
Tell us a bit about your needs: a licensed Luxembourg-based partner insurer will send you a personalised proposal, usually in less than 24 hours.
