Simplis: professional liability insurance for freelancers registered in France

Simplis is a 100% digital insurance broker specialised in protecting independent workers registered in France. In practice, Simplis does not insure you itself: it has built tailored contracts with several French and European insurers, then places you with the one that matches your activity. Its main product is RC Pro (Responsabilité Civile Professionnelle, the French professional liability insurance), completed by the garantie décennale (ten-year construction liability) for building trades.

On the legal side, Simplis is the trade name of ENTREPRENDRE L'AVENIR, a brokerage company registered with ORIAS (the French register of insurance intermediaries) under number 15 002 816 and supervised by the ACPR (the French insurance regulator). That is the kind of detail we check before recommending an insurer.

Simplis covers activities registered in France. If you are a foreign freelancer set up in France (micro-entrepreneur, sole trader or company), it works for you like for any French freelancer.

Simplis targets freelancers, micro-entrepreneurs, liberal professionals and tradespeople who need professional liability insurance without spending the whole day on it: over 1,300 professional activities are covered, from consultants to shopkeepers to building tradespeople.

The catalogue is not limited to professional liability: it also includes ten-year construction liability, business premises insurance, income protection and health cover. If health is your main need, also look at Wemind or Stello, which specialise in that area.

• Cover the 3 types of damage: bodily (an injured person), material (damaged property) and financial (a loss caused by an error or omission). That last one matters most for intellectual professions: developer, consultant, graphic designer.
• Be covered up to €9 million of damages, a comfortable ceiling for an independent worker's professional liability.
• Get legal assistance included: legal experts help you defend your interests, and it is part of the professional liability contract, not billed as an option.
• Take out ten-year construction liability if you work in the building trade, where it is mandatory in France under the Spinetta law.
• Get your certificate by email after subscribing, then find it at any time in your customer area (that is often the real emergency: a client asking for it before signing).

Through FreelanceKit, the process differs a bit from the public site: you leave your details, a Simplis expert calls you back within 24 hours to present a tailored quote, then you validate your contract in one click.

The prices, guarantees and conditions on this page are those of Simplis's French offer.

Simplis works on quotes: the final price depends on your activity, your revenue and the guarantees you choose. The entry prices announced on their pages:

• Professional liability: from €9.99/month. This is the offer negotiated for FreelanceKit readers, and one of the lowest entry tickets on the market for this product.
• Ten-year construction liability: from €69 incl. VAT/month, for building tradespeople.

As everywhere in professional insurance, these amounts are starting points: an activity considered risky will push the premium up. Ask for the quote before comparing, an entry price says nothing about what you will actually pay.

We recommend Simplis for a simple reason: for an independent worker's professional liability, the €9.99/month entry ticket is hard to beat, and the contract is not hollow for all that: legal assistance included and a €9 million ceiling. The broker status works in your favour here: rather than selling you its own product, Simplis puts several insurers in competition. Their 4.6 Google rating points the same way.

The weak point to know: the process is not instant. Where Insify or Orus deliver a certificate online in a few minutes, here you go through a phone callback within 24 hours. It is more personalised, but if a client asks you for a certificate within the hour, it is not the right channel. And the €9.99 entry price is for a simple profile (micro-entrepreneur under €30,000 of revenue): the final price depends on your activity.

If you want to compare Simplis with the other insurers for independent workers in France (Orus, Insify, Stello, Wemind...), see our page on alternatives to Simplis.

Simplis is a good choice if you want solid professional liability insurance at the lowest possible price and you accept going through an advisor rather than a form. For building tradespeople, the ten-year liability offer rounds out the picture nicely. If your priority is immediate self-service subscription, look instead at the 100% online neo-insurers.