Belgian law requires only one insurance for everyone, private or business: health insurance. For that, you join a mutual insurance company. There are also legally required insurances that apply in specific cases.
As individuals, these are:
Car insurance with civil liability if you have a car or other "motor vehicle" (moped, motorcycle, speed pedelec ...).
Home insurance if you rent a property in Flanders or Wallonia (in Brussels, this is not required by law, but landlords often require you to have insurance).
Occupational injury insurance if you (occasionally) hire domestic workers, such as a cleaning helper or babysitter.
Hunting insurance when you go hunting.
And the mandatory insurance for entrepreneurs , besides health insurance? They are these:
Occupational accident insurance, if you employ people.
Civil liability car and van (motor vehicles) insurance: if you have commercial vehicles.
Insurance for specific businesses and professions: such as professional liability insurance if you practice a regulated profession (e.g., doctor, lawyer), "objective civil liability (BA) fire and explosion insurance" if your business is part of a large, publicly accessible building (>1000 sq. ft.), and "ten-year liability insurance" if you are an architect or contractor.
Disclaimer
This page is part of a lexicon and does not provide product information or contractual details on insurance services. For specific information, please refer to the official documentation or contact your insurance agent.
