An overview of the main RC Pro providers in Luxembourg - coverage for regulated professions and businesses.
Comparison last updated: July 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 across eight sectors (intellectual professions, medical, construction, retail, real estate…), 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.
Only if your profession is regulated: architects and consulting engineers, lawyers, real-estate agents, travel agencies, medical professions or insurance intermediaries, among others. For everyone else it is legally optional — but without it, a simple professional error can put your personal assets at risk.
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 covers the financial consequences of a fault, error or omission in the service itself. The two are complementary and often combined in a single policy.
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.
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