Personal liability insurance typically covers personal daily life but can also cover certain part-time freelance activities if earnings do not exceed 15,000 EUR annually, there are no employees, and specific conditions are met. Fitness instruction coverage is limited to home-based lessons. Full-time freelancers or those outside listed activities need professional liability insurance.
What freelance activities are covered by personal liability insurance?
Personal liability insurance can cover some part-time freelance activities, these are:
Alteration tailoring, embroidery,
Call center activity in the advertising sector,
Data and text entry,
Tutoring, painting, handicrafts and needlework courses and handicraft courses;
Giving fitness lessons/sports classes - e.g. pilates and yoga
Flea market and bazaar sales,
Photographer;
Hairdresser;
Guest/guided tours;
Sales of cosmetics, candles, jewelry, cleaning items, dishes, cooking utensils and lingerie;
Creation and distribution of handicrafts/gift items.
Survey/call centre activities for market and opinion research institutes;
Participation in carnival events;
Music teacher;
Distribution of magazines and advertising brochures
Under what conditions does personal liability insurance cover freelance work?
Coverage applies only if:
The gross annual income from the freelance activities did not exceed 15,000 EUR in the previous tax year and will not exceed this amount in the current tax year.
There are no employees working for the freelancer.
Fitness lessons such as yoga or pilates are given exclusively from the freelancer's home;
lessons at commercial venues require professional liability insurance.
The policy does not cover product liability risks or risks associated with manufacturing if the freelancer produces their own products.
When is professional liability insurance necessary instead of personal liability insurance?
Professional liability insurance is required for fitness instructors who provide lessons at commercial locations such as gyms.
If a freelancer works full-time or performs freelance activities not listed as covered by the personal liability insurance.