Everything you need to know about business insurance in Luxembourg.
What is the best business insurance in Luxembourg?
▼In September 2026, the best contract depends on your sector and profile, and each profile has a clear winner. For a multi-sector SME: LALUX easyPROTECT PRO — all-in-one cover structured by 8 business sectors, the only one to quote a liability ceiling (12 million euros per claim) and, since the 2026 IPID, the only one to offer pure-financial-loss cover (financial harm without bodily injury or property damage). For a shop or craftsman: Foyer multirisk pro — the only one offering the "key person accident" cover and loss of goodwill value, plus machinery breakdown. For a liberal profession with mandatory liability (lawyers, architects, brokers…): Baloise Professional Liability — the only dedicated professional-liability contract, with fee recovery and unknown-past cover. For an agricultural activity: LALUX, the only one covering this sector (AXA explicitly excludes it). For a cyber need (NIS2): no insurer is adequate — AXA excludes it and Baloise's "internet risks" extension stays partial; take out a dedicated cyber policy.
Which insurance for a self-employed person in Luxembourg?
▼A self-employed person without premises or heavy equipment can often make do with professional liability (mandatory for certain regulated professions) and operating liability. As soon as you have premises, stock, equipment or employees, multi-risk business insurance becomes more suitable. Also consider legal protection and, if you handle data, cyber insurance. LALUX easyPROTECT PRO covers liberal professions and the self-employed across several of its 8 sectors.
Do you need a business permit?
▼Yes, to carry out a commercial, craft or professional activity in Luxembourg, a business permit issued by the Ministry of the Economy is generally required. It is a prerequisite to the activity, separate from insurance, but both steps are part of launching your business.
Which insurance is mandatory for a professional in Luxembourg?
▼CCSS affiliation is mandatory and covers workplace accidents via the AAA. Motor liability is mandatory for company vehicles. Professional liability is mandatory for certain regulated professions: architects, lawyers, real-estate agents, brokers, healthcare professionals, accountants, travel agents.
What is the difference between operating and professional liability?
▼Operating liability covers damage to third parties in everyday activity (a customer who slips in your premises). Professional liability covers faults, errors or negligence in performing your services (wrong advice). Many activities need both.
What is multi-risk business insurance?
▼It is an all-in-one contract combining property protection (fire, water damage, theft, machinery breakdown, IT equipment), business interruption and liability. LALUX structures it by 8 sectors, Foyer in two plans (office, commerce/services).
Which companies offer business insurance in Luxembourg?
▼The four major insurers: LALUX (easyPROTECT PRO, 8 sectors), AXA (Atouts Pro), Foyer (multirisk pro) and Baloise (Business + dedicated Professional Liability). LALUX is the only one to quote a liability ceiling (€12M per claim) and to cover 8 sectors including medical and agricultural.
Is cyber insurance included?
▼Rarely. AXA explicitly excludes cyber, LALUX and Foyer do not offer it in their standard contracts, and only Baloise offers an "internet risks liability" extension (partial). In the context of NIS2, dedicated cyber insurance is increasingly recommended.
Self-employed or SME: which contract?
▼A self-employed person without premises can often make do with professional liability (and operating liability). As soon as you have premises, stock, equipment or employees, multi-risk business insurance becomes more suitable, as it also protects your property and business interruption.
What is business interruption?
▼Business interruption cover compensates the loss of turnover and the fixed costs that continue to run when your activity is interrupted by a claim. It is often what saves a business after a major loss.
Is decennial liability covered?
▼Not automatically. Decennial liability (articles 1792 and 2270 of the Civil Code) is for example explicitly excluded from Baloise's Business contract. Construction professionals must take out dedicated decennial cover.
Which professions must take out professional liability insurance in Luxembourg?
▼Professional liability is compulsory for many regulated professions: architects and consulting engineers, lawyers, medical and paramedical professions, chartered accountants, travel agents, as well as real-estate agents (law of 12 November 2021) and insurance brokers and intermediaries (law of 7 December 2015). Beyond these, it is strongly recommended for any consulting or service activity.
How much does professional insurance cost in Luxembourg?
▼There is no single price: the premium depends on the sector, turnover, number of employees, premises and level of cover. A standalone professional liability (a freelancer with no premises) costs far less than a full multi-risk policy (building + contents + liability + business interruption). Interest-free monthly payment is often available. It's best to request a tailored quote and compare cover, not just price.
Is professional insurance tax-deductible in Luxembourg?
▼Yes. Premiums taken out for the needs of the business (professional liability, multi-risk, business interruption, directors' liability…) are deductible operating expenses against the taxable profit of the company or self-employed person. This is an important difference from individuals' private insurance, which is subject to the €672/year cap. Keep your premiums and certificates for the accounts.
