{"id":13097,"date":"2022-05-20T11:34:47","date_gmt":"2022-05-20T09:34:47","guid":{"rendered":"https:\/\/prod-migration-second.local\/?p=13097"},"modified":"2026-03-24T13:57:57","modified_gmt":"2026-03-24T12:57:57","slug":"assurances-pour-independants","status":"publish","type":"post","link":"https:\/\/www.accountable.eu\/fr-be\/blog\/assurances-pour-independants\/","title":{"rendered":"Quelles assurances sont int\u00e9ressantes pour les ind\u00e9pendants\u2009?"},"content":{"rendered":"\n<p><span data-contrast=\"auto\"><strong>Avoir sa propre entreprise\u202f: c\u2019est g\u00e9nial de pouvoir faire ce que l\u2019on veut. Mais le statut d\u2019ind\u00e9pendant comporte aussi des risques. Votre entreprise perdurera-t-elle si vous tombez malade pendant une longue p\u00e9riode\u2009?<\/strong><\/span><\/p>\n\n\n\n<p><span data-contrast=\"auto\"><strong>Comment \u00e9viter de toucher une maigre pension\u2009? Et si vous attendez un enfant\u2009? Quelques pr\u00e9cautions judicieuses ou assurances utiles vous apporteront plus de s\u00e9curit\u00e9 et une certaine tranquillit\u00e9 d\u2019esprit. Voici un aper\u00e7u des options les plus int\u00e9ressantes.&nbsp;<\/strong><\/span><\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"ASSURANCES | Prot\u00e9gez-vous en tant qu&#039;ind\u00e9pendant\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/uniBwobHJ3c?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><b><span data-contrast=\"auto\">C\u2019est pourquoi vous payez des<\/span><\/b><b><span data-contrast=\"auto\"> cotisations sociales<\/span><\/b><\/h2>\n\n\n\n<p><span data-contrast=\"auto\">En tant qu\u2019<\/span><span data-contrast=\"auto\">ind\u00e9pendant<\/span><span data-contrast=\"auto\"> \u00e0 titre principal ou <\/span><span data-contrast=\"auto\">compl\u00e9mentaire<\/span><span data-contrast=\"auto\">, vous payez toujours des <\/span><span data-contrast=\"auto\">cotisations sociales<\/span><span data-contrast=\"auto\">, sauf si vous b\u00e9n\u00e9ficiez d\u2019une exon\u00e9ration. Ces cotisations existent pour vous donner un <\/span><b><span data-contrast=\"auto\">coup de pouce (financier)<\/span><\/b><span data-contrast=\"auto\"> \u00e0 diff\u00e9rents moments de votre vie. De cette fa\u00e7on, vous vous constituez donc des droits sociaux. Gr\u00e2ce \u00e0 ces cotisations, vous recevez une aide de la s\u00e9curit\u00e9 sociale, par exemple\u202f:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-contrast=\"auto\">lorsque vous <\/span><a href=\"https:\/\/www.accountable.eu\/fr-be\/blog\/conge-parental-independant\/\"><b><span data-contrast=\"auto\">devenez parent<\/span><\/b><\/a><span data-contrast=\"auto\"> (prime de naissance, allocation de maternit\u00e9, titres-services, etc.)<\/span><span data-contrast=\"auto\">\u2009;<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">&nbsp;<\/span><\/li>\n\n\n\n<li><span data-contrast=\"auto\">en cas de maladie (indemnit\u00e9, exon\u00e9ration de cotisations sociales, etc.)\u2009;<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">&nbsp;<\/span><\/li>\n\n\n\n<li><span data-contrast=\"auto\">en cas de soins \u00e0 un proche (indemnit\u00e9)\u2009;<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">&nbsp;<\/span><\/li>\n\n\n\n<li><span data-contrast=\"auto\">si vous faites faillite ou \u00eates <\/span><b><span data-contrast=\"auto\">oblig\u00e9(e) de cesser votre activit\u00e9<\/span><\/b><span data-contrast=\"auto\"> (indemnit\u00e9s de droit passerelle)\u2009;<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">&nbsp;<\/span><\/li>\n\n\n\n<li><span data-contrast=\"auto\">etc.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<p><b><span data-contrast=\"auto\">Comment calculer vos cotisations sociales<\/span><\/b><span data-contrast=\"auto\"> et de quoi devez-vous tenir compte si vous d\u00e9butez\u2009? D\u00e9couvrez-le dans cet article\u202f:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">&nbsp;<\/span><\/p>\n\n\n\n<p><a href=\"https:\/\/www.accountable.eu\/fr-be\/blog\/cotisations-sociales-en-tant-quindependante\/\"><b><span data-contrast=\"auto\">Tout ce que vous devez savoir sur les cotisations sociales des ind\u00e9pendants<\/span><\/b><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><b><span data-contrast=\"auto\">Devenir parent quand on est ind\u00e9pendant(e)<\/span><\/b><\/h2>\n\n\n\n<p><span data-contrast=\"auto\">De nombreux mythes circulent sur les droits des parents ind\u00e9pendants. Le gouvernement a d\u00e9j\u00e0 fait de nombreux efforts pour que vos droits en tant que parent (adoptif) correspondent \u00e0 ceux des salari\u00e9s. D\u00e9couvrez ici quels sont vos <\/span><b><span data-contrast=\"auto\">avantages <\/span><\/b><span data-contrast=\"auto\">et sur quels <\/span><b><span data-contrast=\"auto\">suppl\u00e9ments<\/span><\/b><span data-contrast=\"auto\"> vous pouvez compter en tant qu\u2019entrepreneur.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">&nbsp;<\/span><\/p>\n\n\n\n<p><a href=\"https:\/\/www.accountable.eu\/fr-be\/blog\/conge-parental-independant\/\"><span data-contrast=\"auto\">Parentalit\u00e9 pour les ind\u00e9pendants\u202f: vos droits et avantages<\/span><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><b><span data-contrast=\"auto\">Votre pension d\u2019ind\u00e9pendant<\/span><\/b><\/h2>\n\n\n\n<p><span data-contrast=\"auto\">Soyons honn\u00eates\u202f: payer correctement vos cotisations sociales ne vous permettra pas de vivre de vos rentes une fois que l\u2019heure de la retraite aura sonn\u00e9. Heureusement, il existe des <\/span><b><span data-contrast=\"auto\">formules fiscalement avantageuses<\/span><\/b><span data-contrast=\"auto\">, telles qu\u2019une <\/span><a href=\"https:\/\/www.accountable.eu\/nl-be\/blog\/vapz-vrij-aanvullend-pensioen-voor-zelfstandigen\/\"><span data-contrast=\"none\">Pension libre compl\u00e9mentaire pour ind\u00e9pendants (PLCI)<\/span><\/a><span data-contrast=\"auto\"> afin de compl\u00e9ter votre \u00e9pargne.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"auto\">D\u00e9couvrez <\/span><a href=\"https:\/\/www.accountable.eu\/nl-be\/blog\/pensioen-zelfstandige-belgie\/\"><span data-contrast=\"none\">quelles options d\u2019\u00e9pargne-pension sont appropri\u00e9es<\/span><\/a><span data-contrast=\"auto\"> pour vous en tant que travailleur ind\u00e9pendant, ou essayez notre <\/span><a href=\"\/fr-be\/?page_id=13702\"><span data-contrast=\"none\">simulateur gratuit<\/span><\/a><span data-contrast=\"auto\"> pour voir \u00e0 quoi ressemblera votre retraite.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><b><span data-contrast=\"auto\">Se prot\u00e9ger de <\/span><\/b><b><span data-contrast=\"auto\">la perte de revenus<\/span><\/b><\/h2>\n\n\n\n<p><span data-contrast=\"auto\">Comme vous payez des <\/span><span data-contrast=\"auto\">cotisations sociales<\/span><span data-contrast=\"auto\">, vous b\u00e9n\u00e9ficiez \u00e9galement, en tant qu\u2019ind\u00e9pendant, d\u2019une <\/span><span data-contrast=\"auto\">indemnit\u00e9 de la mutuelle<\/span><span data-contrast=\"auto\">, si vous remettez un certificat m\u00e9dical pour plus de 8 jours. Cette indemnit\u00e9 de maladie n\u2019est pas toujours suffisante, d\u2019autant plus si les co\u00fbts pour votre entreprise continuent de s\u2019accumuler. Gr\u00e2ce \u00e0 une <\/span><b><span data-contrast=\"auto\">assurance revenu garanti<\/span><\/b><b><span data-contrast=\"auto\">,<\/span><\/b><span data-contrast=\"auto\"> vous b\u00e9n\u00e9ficiez d\u2019une indemnit\u00e9 suppl\u00e9mentaire dans de telles situations, ce qui vous permet de garder plus facilement la t\u00eate hors de l\u2019eau.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"auto\">L\u2019<\/span><span data-contrast=\"auto\">assurance revenu garanti<\/span><span data-contrast=\"auto\"> n\u2019est pas obligatoire, mais elle peut vous apporter une plus grande tranquillit\u00e9 d\u2019esprit. Vous pouvez en outre <\/span><b><span data-contrast=\"auto\">d\u00e9duire enti\u00e8rement<\/span><\/b> <b><span data-contrast=\"auto\">de votre revenu imposable<\/span><\/b><span data-contrast=\"auto\"> les primes pay\u00e9es.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">&nbsp;<\/span><\/p>\n\n\n\n<p><strong><a href=\"https:\/\/www.accountable.eu\/fr-be\/blog\/revenu-garanti-pour-independants\/\">En savoir plus sur l\u2019assurance revenu garanti<\/a> <\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><b><span data-contrast=\"auto\">Et si vous causez des dommages\u2009?<\/span><\/b><\/h2>\n\n\n\n<p><span data-contrast=\"auto\">Le mobilier de votre client est endommag\u00e9 parce que vous avez fait tomber un seau de peinture. Un client de votre sandwicherie tombe malade apr\u00e8s avoir mang\u00e9 votre sandwich au crabe. <\/span><b><span data-contrast=\"auto\">Un accident peut survenir \u00e0 tout moment<\/span><\/b><span data-contrast=\"auto\"> et, en tant qu\u2019entrepreneur, votre <\/span><span data-contrast=\"auto\">assurance familiale<\/span><span data-contrast=\"auto\"> ne couvrira pas de tels cas. C\u2019est une assurance responsabilit\u00e9 civile (RC) qui intervient pour ce genre de soucis.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"auto\">Dans certains cas, l\u2019assurance RC est par exemple <\/span><b><span data-contrast=\"auto\">obligatoire\u202f<\/span><\/b><span data-contrast=\"auto\">:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-contrast=\"auto\">RC Auto<\/span><span data-contrast=\"auto\"> pour les v\u00e9hicules de soci\u00e9t\u00e9<\/span><span data-contrast=\"auto\">\u2009;<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:0,&quot;335559731&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">&nbsp;<\/span><\/li>\n\n\n\n<li><span data-contrast=\"auto\">RC Incendie et explosion<\/span><span data-contrast=\"auto\"> pour certaines activit\u00e9s et lieux accessibles au public<\/span><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:0,&quot;335559731&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<p><strong><a href=\"https:\/\/www.accountable.eu\/fr-be\/blog\/assurance-responsabilite-civile-en-tant-quindependante\/\">En savoir plus sur l\u2019assurance responsabilit\u00e9 civile et v\u00e9rifier quelles assurances RC courantes peuvent s\u2019appliquer \u00e0 votre activit\u00e9.&nbsp;<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><b><span data-contrast=\"auto\">Quelles autres <\/span><\/b><b><span data-contrast=\"auto\">assurances<\/span><\/b><b><span data-contrast=\"auto\"> s\u2019appliquent \u00e0 mon activit\u00e9 en tant qu\u2019<\/span><\/b><b><span data-contrast=\"auto\">ind\u00e9pendant<\/span><\/b><b><span data-contrast=\"auto\">(e)\u2009?<\/span><\/b><\/h2>\n\n\n\n<p><span data-contrast=\"auto\">Selon votre activit\u00e9 professionnelle et votre situation personnelle, d\u2019autres assurances (professionnelles) peuvent s\u2019av\u00e9rer \u00eatre une bonne id\u00e9e. Une <\/span><b><span data-contrast=\"auto\">assurance accidents du travail est, par exemple, obligatoire<\/span><\/b><span data-contrast=\"auto\"> si vous avez du personnel. Une assurance hospitalisation est utile pour payer les frais m\u00e9dicaux qui ne sont pas couverts par la mutuelle. Cette assurance n\u2019est toutefois pas d\u00e9ductible. <\/span><\/p>\n\n\n\n<p><span data-contrast=\"auto\">Notre conseil\u2009? Consultez votre assureur, v\u00e9rifiez ce qui est obligatoire et quels sont les risques r\u00e9els li\u00e9s \u00e0 votre activit\u00e9.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><b><span data-contrast=\"auto\">Traiter correctement vos factures d\u2019assurance et vos cotisations sociales<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">&nbsp;<\/span><\/h2>\n\n\n\n<p><span data-contrast=\"auto\">Une comptabilit\u00e9 parfaitement en ordre, c\u2019est aussi un gage de <\/span><b><span data-contrast=\"auto\">tranquillit\u00e9 d\u2019esprit lorsque l\u2019on est ind\u00e9pendant<\/span><\/b><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"auto\">Vous voulez garder facilement une <\/span><b><span data-contrast=\"auto\">vue d\u2019ensemble de vos frais professionnels<\/span><\/b><span data-contrast=\"auto\"> et de vos cotisations sociales\u2009? Accountable permet de t\u00e9l\u00e9charger facilement des factures et des re\u00e7us, mais aussi de voir vos cotisations sociales pay\u00e9es en un clin d\u2019\u0153il.&nbsp;<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">&nbsp;<\/span><\/p>\n\n\n\n<p><a href=\"https:\/\/www.accountable.eu\/fr-be\/download\/\"><b><span data-contrast=\"auto\">Essayez Accountable maintenant<\/span><\/b><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Avoir sa propre entreprise\u202f: c\u2019est g\u00e9nial de pouvoir faire ce que l\u2019on veut. Mais le statut d\u2019ind\u00e9pendant comporte aussi des risques. Votre entreprise perdurera-t-elle si vous tombez malade pendant une longue p\u00e9riode\u2009? Comment \u00e9viter de toucher une maigre pension\u2009? Et si vous attendez un enfant\u2009? Quelques pr\u00e9cautions judicieuses ou assurances utiles vous apporteront plus de [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":3935,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[287,291,240],"tags":[299,312,313],"class_list":["post-13097","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-deduire-vos-frais-professionnels","category-informations-pratiques","category-uncategorized-fr-be","tag-assurances-pour-les-independants","tag-independant","tag-personne-physique"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Quelles assurances sont int\u00e9ressantes pour les ind\u00e9pendants\u2009? - Accountable<\/title>\n<meta name=\"description\" content=\"En prenant les bonnes pr\u00e9cautions et en contractant les bonnes assurances, vous vous prot\u00e9gez des risques li\u00e9s au statut d\u2019ind\u00e9pendant. 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