Professional liability comparison

Professional liability in Luxembourg

An overview of the main RC Pro providers in Luxembourg - coverage for regulated professions and businesses.

Providers

Main RC Pro providers

AXA

All-in-one SME
  • "Atouts Pro" for companies with 1–30 employees: all coverages in a single policy
  • Covers general liability, professional indemnity, post-delivery, and legal protection
  • "Responsabilité du Dirigeant" (D&O) available as add-on
  • Sector-specific solutions: medical, hospitality, construction, retail, white-collar

Foyer

Multi-risk
  • "Multirisk Pro" combined coverage package for SMEs
  • Directors’ liability (RC des dirigeants) available as an option
  • Deep local market knowledge for Luxembourg businesses and regulatory landscape
  • Integrated within the broader Foyer mozaik product ecosystem

Baloise

Standalone RC Pro
  • Dedicated standalone RC Pro covering contractual and extra-contractual liability
  • Property damage insurance for buildings, equipment, and business interruption
  • Fleet auto and construction risk insurance for growing companies
  • Swiss group financial strength and digital-first subscription

LALUX

SME specialist
  • "easyPROTECT PRO" multirisque coverage for professional premises and assets
  • LALUX Staff Protect: employee benefits to attract and retain talent
  • LALUX Safe Future: supplementary pension scheme for self-employed
  • Claims handling in four languages (EN, FR, DE, LU) via local agent network
Luxembourg market

Specificities of the Luxembourg market

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.

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