How to decide on your supplementary insurance coverage if you end up self-employed? | EUROtoday

“How do I know if I’m not going to waste my money for nothing? »asks Justine (the first names have been changed). At 35, this sports coach, who launched her own fitness room in Gironde, is considering taking out additional insurance. “I created my microenterprise five years ago, shortly after the first confinement. It has become my baby and I’m afraid of losing everything if I don’t protect myself enough in the event of a problem. But the prices are very high”she confides.

In France, there are an increasing number of impartial employees, enterprise house owners and liberal professions “to express growing concern about the impact of the economic situation on their activity”affirms Swiss Life within the second version of the vulnerability index of self-employed employees (TNS), made public on August 27.

The TNS surveyed report a sense of insecurity within the occasion of an interruption of their skilled exercise. “In this hypothesis, 81% of managers of very small companies (stable compared to June 2024) and self-employed people (+ 3 points) believe that their professional activity would be in danger; a feeling even more present in the perceptions of doctors (88%)”we study.

Being an worker is far more advantageous

And for good motive: “In the event of work stoppage, compensation from Social Security is extremely low”agrees Olivier Moustacakis, co-founder of the web comparator Assurland.

In addition to the three-day ready interval throughout which the self-employed employee or enterprise supervisor will not be coated, the each day sick go away profit is in actual fact equal to 1/730^e of common annual earned revenue. This is calculated on the common of contributed revenue for the three calendar years previous the date of labor stoppage. And this, inside the restrict of the annual Social Security ceiling, i.e. 47,100 euros gross on 1^er January 2025. As a outcome, “if self-employed people or employers do not take out insurance, their income can drop by 50% to 60% from the first month of cessation”warns Olivier Moustacakis.

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