Simplis is a professional insurance broker for freelancers and tradespeople, with professional liability (RC Pro) from €9.99 per month and legal assistance included. Reviews are very good, with some response times to be aware of.
Get a free call with the Simplis team by going through this link
Updated and pricing checked on October 7, 2026
€9.99 incl. VAT/month
Professional liability from
Up to 9M euros
Damage covered
1,300+
Activities covered
Included in the policy
Legal assistance
Who is it for?
It is for you if
- You are a freelancer or auto-entrepreneur and are looking for professional liability at the lowest price
- Your activity is uncommon: more than 1,300 trades are covered
- You are a building tradesperson and want professional liability and décennale in one place
- You want an adviser who calls you back rather than a 100% automated journey
Skip it if
- You need a certificate within the hour via a partner journey: an expert call-back is scheduled within 24 h
- Your profile falls outside the simple scope (high turnover, risky activity): the entry price will not apply
- You want to compare several insurers yourself on a comparison site: Simplis offers its own products
Our detailed review
What is Simplis in 2026?
Simplis is a 100% digital professional insurance broker, founded in 2016 and positioned on the self-employed and auto-entrepreneurs. The company designs its offers with French and European partner insurers: you choose your activity from more than 1,300, select your cover and receive your certificate. It is one of the names freelancers come across most when looking for cheap professional liability (RC Pro), and the search "Simplis avis" confirms it.
The broker has one advantage and one limit. The advantage: offers built trade by trade, with a human contact (advisers are reachable Monday to Friday from 8:30 am to 7 pm). The limit: the policy is underwritten by a partner insurer, not by Simplis itself.
Simplis is aimed at businesses registered in France (foreign freelancers based in France included).
Professional liability at €9.99: what is really in it
The entry price is €9.99 incl. VAT (TTC) per month for an auto-entrepreneur under €30,000 turnover (rate checked on simplis.fr in October 2026). For that price, Simplis announces cover of up to 9 million euros in damage and a €200 excess. Professional liability covers bodily injury, property damage and intangible loss (an error or omission that causes financial harm to your client), during and after your work.
Two points make the difference. First, the legal assistance, included in the policy: legal advisers help you in the event of a dispute with a client, with no paid option. Second, the pricing method: according to Simplis, the price depends on the activity you declare, not on your turnover, so no unpleasant surprise when your business grows. The flip side: this €9.99 is an entry price for a simple profile. A risky activity or a high turnover can fall outside the scope, and in that case the rate is on quote.
Décennale, business premises, income protection, health: the rest of the catalogue
Simplis does not stop at professional liability. For building tradespeople, the décennale solution (the ten-year construction warranty) combines professional liability and the décennale warranty, with legal protection covering legal costs up to €50,000. The price is on quote and the certificate goes out within 24 hours after the conversation with an adviser. The catalogue also includes insurance for business premises, income protection (accident, illness, death) and supplementary health cover. If health and income protection are your main need, compare with the specialists: Wemind or Stello.
What users say
On Trustpilot, Simplis shows 4.5/5 on 522 reviews as of 7 October 2026, including 317 over the last twelve months: a solid and recent volume. On Google, Simplis's listing shows 4.6/5 on 1,438 reviews on the same date. Positive reviews almost all come back to the same points: the responsiveness of the advisers (many are named by first name), how simple sign-up is, the clarity of the explanations and how quickly the certificate arrives.
Criticism is rare but specific: quotes requested several times with no reply, and sometimes slow follow-up after sign-up. To read this rating with perspective: according to Trustpilot, Simplis regularly invites its customers to leave a review, which may affect how representative it is. In return, the company replies to 96% of its negative reviews, generally within a month.
What we like less
Three reservations. First, the entry price: it describes a simple profile, and the final price depends on your activity, so ask for your quote before comparing. Second, the journey: on the public site, professional liability is taken out online with a certificate sent by email, but going through our partner link the journey starts with a call-back from an expert within 24 hours. It is more personalised, less suitable if a client asks you for a certificate within the hour. Finally, the broker status: the policy is underwritten by a partner insurer, not by Simplis itself.
Simplis or another solution?
To put Simplis in perspective, we have compared insurers for the self-employed in our professional insurance comparison. If you want to compare with other 100% online offers, see our reviews of Orus and Insify, and all the options are listed in the Simplis alternatives.
If Simplis suits you, an offer applies when you go through our link: the conditions are on the Simplis deal page.
Features
Professional liability for auto-entrepreneurs and the self-employed
Bodily injury, property damage and intangible loss, with operating and post-delivery liability included. Cover up to 9 million euros and a €200 excess on the entry profile.
Legal assistance included free
Legal advisers help you in the event of a dispute with a client, including on personal matters, with no paid option to add to the policy.
Ten-year warranty (décennale) for construction
Professional liability and décennale in a single solution, with legal protection (legal costs up to €50,000). The certificate is sent within 24 hours after the conversation with an adviser.
More than 1,300 activities
From consulting and IT to crafts, health, real estate or transport: you choose your exact activity when you sign up to get the right rate.
Wider catalogue
Insurance for business premises, income protection (accident, illness, death) and supplementary health cover, in addition to professional liability and décennale.
Online sign-up and experts
Sign-up in a few clicks with the certificate sent by email on the public site, and advisers reachable Monday to Friday from 8:30 am to 7 pm. An app also lets you sign up from ChatGPT.
Pricing
Checked on the official website on October 7, 2026
Professional liability for auto-entrepreneurs
Entry price, profile under €30,000 turnover
- Up to 9 million euros of damage covered
- €200 excess
- Legal assistance included
- Operating and post-delivery liability
Ten-year warranty (décennale, construction)
- Professional liability and décennale together
- Legal protection (legal costs up to €50,000)
- Certificate within 24 h after talking to an adviser
Business premises, income protection, health
- Insurance for business premises
- Income protection (accident, illness, death)
- Supplementary health cover
Strengths and weaknesses
Strengths
- Professional liability from €9.99/month incl. VAT, with legal assistance included in the contract
- Up to €9 million of damages covered, €200 deductible on the entry profile
- Over 1,300 activities covered, from consultants to building tradespeople
- Wide catalogue: professional liability, ten-year construction liability, business premises, income protection and health cover
Weaknesses
- Entry price valid for a simple profile (micro-entrepreneur under €30,000 of revenue): the final price depends on the activity
- Partner process via a callback from an expert within 24 hours: less immediate than a 100% online subscription
- Broker, not insurer: the contract is carried by a partner
What users say
Ratings and feedback from public platforms, not a FreelanceKit score
1,438 reviews · collected on Oct 7, 2026
Rating of the company's Google Maps listing, collected through the Google Places API.
522 reviews · collected on Oct 7, 2026
Rated “Excellent”. Customers praise the responsiveness of the advisers (several are named by first name), how simple sign-up is and how quickly the certificate arrives. The criticism concerns quotes requested with no reply and sometimes slow follow-up after sign-up. According to Trustpilot, Simplis regularly asks its customers for reviews and replies to 96% of its negative reviews, generally within a month.
Our verdict
Simplis is one of the best price-to-cover ratios on the market for a self-employed person's professional liability: an entry ticket of €9.99, legal assistance included and a cap of 9 million euros, all in a wider catalogue than it seems. We recommend it to freelancers and auto-entrepreneurs who want to get insured quickly and cheaply. The entry price applies to a simple profile and the journey via our link goes through a call-back from an expert: if you need a certificate within the hour, compare with the 100% online offers.
Get a free call with the Simplis team by going through this link
Try SimplisFrequently asked questions about Simplis
Simplis shows 4.5/5 on Trustpilot on 522 reviews (as of 7 October 2026), including 317 in the last twelve months, and 4.6/5 on Google on 1,438 reviews. Customers praise the responsiveness of the advisers and how simple sign-up is. The criticism, a minority, concerns quotes left unanswered and sometimes slow follow-up after sign-up. Simplis replies to 96% of its negative reviews.
Professional liability starts at €9.99 incl. VAT per month for an auto-entrepreneur under €30,000 turnover, with cover up to 9 million euros and a €200 excess. The price depends on the chosen activity. The décennale warranty and the other insurance (business premises, income protection, health) are on quote. Prices checked on simplis.fr in October 2026.
Simplis is a broker: the company designs its offers with French and European partner insurers, and the policy is underwritten by one of these insurers. The advantage is a tailored offer by activity; the downside is that the policy is underwritten by a partner insurer, not by Simplis itself.
On the public site, professional liability is taken out in a few clicks and the certificate is sent automatically by email, then available in the customer area. Going through our partner link, the journey starts with a call-back from a Simplis expert within 24 h. For the décennale warranty, the certificate is sent within 24 h after the conversation with an adviser.
Not for most freelancers and auto-entrepreneurs, except for building tradespeople (who must take out the décennale) and some regulated professions such as wealth advisers, estate agents or medical professions. It remains strongly recommended: your personal assets can be at stake in the event of a claim, and your clients often ask you for a certificate.
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