The micro-enterprises are sole proprietorships whose annual turnover does not exceed the thresholds set by law. In France, these thresholds are 72,600 euros for service activities and 176,200 euros for sales of goods, food products and beverages. Micro-enterprises have simplified legal and tax status. They benefit from a simplified VAT regime and a simplified social regime, but that does not mean that you have to skimp on insurance, in this article, we give tips for choosing your micro-enterprise insurance.
Microinsurance in business: a necessity!
Despite their importance, micro-enterprises are often disadvantaged compared to large enterprises in terms of access to services and markets. This is in particular due to the fact that they generally have fewer financial resources and personnel than large companies. They are also more exposed to the risks related to their activity, because they often have little or no social security coverage and/or insurance.
However, micro-entrepreneurs need a adapted insurance to their situation and needs. Insurance allows micro-entrepreneurs to protect themselves against the risks associated with their activity, such as accidentsthem fires where the flights. It can also provide them with juridic protection adequate in the event of a dispute with a customer or supplier.
By subscribing to insurance, micro-entrepreneurs benefit from protection adapted to their situation and their needs. It allows them to focus on their core business and protect themselves against the risks associated with it.
There are insurance policies adapted to the needs of micro-enterprises. They are generally cheaper than conventional insurance, because they take into account the fact that micro-enterprises generally have fewer resources than large enterprises. Micro-enterprise insurance can cover various risks such as public liability, them Property damagethem operating losses or even the juridic protection. Taking out insurance, when you are self-employed, is an effective way to protect yourself against the risks associated with your professional activity.
The main risks covered
The insurance can be taken out with a private insurer or a public body. It is adapted to the specific needs of micro-enterprises. In addition, it allows you to benefit from advantageous rates and special guarantees.
The main risks covered by the insurance are:
- Health risk: it includes medical expenses, hospital care, dental expenses, etc.
- Life risk: this includes funeral expenses, loss of income in the event of death, etc.
- The risk of civil liability: this includes damage caused to third parties, loss or theft of property, etc.
- Occupational risk: it includes accidents at work, occupational diseases, etc.