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in Luxembourg

LALUX, Foyer, Baloise and AXA compared — professional liability, multi-risk, business interruption, machinery breakdown, cyber. Self-employed and SMEs. Analysis from the official IPID documents · Updated 21 July 2026

✦ Featured
LALUX
LALUX easyPROTECT PRO
LALUX
Liability (8 sectors)Multi-risk
Liability ceiling: €12M per claim
8 dedicated business sectors
Directors' liability (option)
All-in-one (liability, property, fleet, accident)
✓All-in-one contract: liability + property + fleet + accident + directors' liability combined
✓8 sectors with dedicated cover (liberal professions, medical, food, HORECA, construction, automotive, agricultural)
✓High liability limit: €12 million per claim (the only one to quote it)
✓Monthly payment at no extra cost (direct debit)
✓Business-starter discount
✓Tailored sums insured and professional equipment breakdown
✓Commercial unemployment cover (business interruption) and company accident insurance
✓Liability cover valid across Europe
Official source (IPID): LALUX ↗
Foyer
Foyer multirisk pro
Foyer
Trade liabilitymultirisk pro
Key-person accident
Loss of goodwill value
Machinery breakdown included
Directors' liability
✓Two targeted formulas: "Office professions" and "Commerce and Services"
✓Liability + criminal defence valid worldwide
✓Machinery breakdown included in the scope
✓"Key person" accident cover (loss of an essential director or employee)
✓Loss of goodwill value of the business
✓Business interruption covered
✓Directors' liability available
✓Transport cover (LU + Germany, Belgium, France, Netherlands, Switzerland)
Official source (IPID): Foyer ↗
AXA
AXA Atouts Pro
AXA
Liability (option)Atouts Pro
Property covered off premises (fairs, site)
Worldwide operating liability
Business interruption + extra costs
Computer & electronics breakdown
✓Modular multi-risk business cover (base + inseparable options + independent options)
✓Property protection outside premises (remote work, at clients, fairs, sites)
✓Operating liability covered worldwide
✓Post-delivery liability covered worldwide (except USA/Canada)
✓Business interruption + additional costs as an option
✓IT and electronic equipment breakdown
✓Covers electrical damage + cold-room defrosting
✓Note: AXA explicitly excludes cyber, directors' liability and agricultural activities
Official source (IPID): AXA ↗
Baloise
Baloise Business + Prof. Liability
Baloise
Professional LiabilityBusinessInternet risks
'Internet risks' extension
Data reconstitution & archives
Dedicated professional liability contract
Machinery breakdown + all-risk electronics
✓"À la carte“ modular approach (Business) + dedicated professional liability contract
✓Data and archive reconstitution costs included (Business)
✓"Internet risks liability" extension on professional liability (proto-cyber)
✓Fee recovery and intellectual rights (professional liability)
✓Unknown-past cover + posteriority insurable (professional liability)
✓Machinery breakdown + all-risks electronics
✓Operating liability valid worldwide (registered office in Luxembourg)
✓Monthly, quarterly or half-yearly payments possible; note: decennial excluded from Business
Official source (IPID): Baloise ↗
Switchr methodology. The cover shown is taken from each insurer's official IPIDs. Deductibles are not quoted in the IPIDs (referred to the particular conditions); only LALUX quotes a liability ceiling (€12M). Legal obligations (regulated professional liability, AAA) are part of the general framework, to be checked for your profession. Sources: lalux.lu · axa.lu · foyer.lu · baloise.lu · guichet.public.lu

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What is mandatory for a professional
The legal base before comparing contracts.

In Luxembourg, starting a business comes with obligations. Affiliation to the Joint Social Security Centre (CCSS) is mandatory: it notably covers workplace accidents via the Accident Insurance Association (AAA). Company vehicles fall under mandatory motor liability (law of 16 April 2003). And professional liability is mandatory for certain regulated professions: architects and consulting engineers, lawyers, real-estate agents, insurance brokers and intermediaries, medical and paramedical professions, accountants, travel agents.

Beyond obligations, most activities benefit from broader protection. Four licensed insurers shape the business market: LALUX (easyPROTECT PRO), Foyer (multirisk pro), Baloise (Business + Professional Liability) and AXA (Atouts Pro). Also think of the business permit, a prerequisite to commercial, craft or professional activity. On tax, the Luxembourg insurance premium tax (IPT) is 4% — one of the lowest rates in the EU; life, disability, marine insurance and reinsurance are exempt. It is administered by the Registration Duties, Estates and VAT Authority (AED).

The key cover
Liability, property, business interruption: what really protects your business.
Liability
Liability
Operating & professional

Operating liability covers damage to third parties in everyday activity; professional liability covers your faults or errors in performing services. Often essential together.

Your property
Multi-risk
Property + interruption

Protects your premises, equipment and stock (fire, water damage, theft, machinery breakdown) and compensates business interruption in case of stoppage.

Digital
Cyber
Data & liability

Covers cyber-attacks, data loss and digital liabilities. Often excluded from multi-risk: dedicated cover is increasingly needed.

Beyond: fleet, accident, directors, key person

The most extensive contracts go further: vehicle fleet (LALUX), company accident insurance (supplementing statutory workplace accident), directors' liability (LALUX, Foyer), "key person" cover and loss of goodwill value (Foyer), or data and archive reconstitution (Baloise). The right contract depends on your sector — hence the value of comparing on cover, not just on price.

Our analysis of the 4 insurers

A comparative reading of the official IPIDs — strengths and differentiation.

LALUXLALUX easyPROTECT PRO

A particularly broad business cover. The contract is structured by 8 business sectors (liberal professions, medical/paramedical, food, services/commerce, HORECA, construction, automotive, agricultural), each with its dedicated cover. It is the only one to quote a liability ceiling: €12 million per claim. A true all-in-one: liability, property (multi-risk, professional equipment breakdown, commercial unemployment), vehicle fleet, company accident insurance, optional directors' liability. Business-starter discount and monthly payment at no extra cost.

FoyerFoyer multirisk pro

A reference insurer on the market, with a multi-risk business cover in two targeted formulas: "Office professions" and "Commerce and Services" (the latter including post-delivery liability). Distinctive points: machinery breakdown, the "key person accident" cover (covering the loss of an essential director or employee) and loss of goodwill value. Liability and criminal defence are valid worldwide, and directors' liability is available.

BaloiseBaloise Business + RC Pro

A two-brick approach: an "à la carte" Business multi-risk and a dedicated Professional Liability contract, core range for liberal and intellectual professions. Strengths: data and archive reconstitution costs (Business), and on professional liability some rare extensions — intellectual rights, fee recovery and above all the "internet risks liability" extension, the closest to cyber on the market. Machinery breakdown and all-risks electronics included. Note: decennial liability is excluded from Business.

AXAAXA Atouts Pro

A modular multi-risk business cover (base + inseparable options + independent options). Notable strength: property protection outside premises (remote work, at clients, fairs, sites) and operating liability covered worldwide. The base covers fire, electrical damage (with cold-room defrosting), water damage, glass breakage. Options: business interruption, IT equipment breakdown. Note: AXA explicitly excludes cyber, directors' liability and agricultural activities — to factor into the comparison.

Which contract for which profile? (August 2026)

Multi-sector SME
LALUX easyPROTECT PRO
All-in-one, 8 sectors, only one to quote a liability ceiling (€12M/claim).
Commerce / craftsman
Foyer multirisk pro
Exclusive "key person" and loss-of-goodwill cover, machinery breakdown.
Liberal profession with mandatory liability
Baloise Professional Liability
Only dedicated professional-liability contract (lawyers, architects, brokers…), fee recovery, unknown-past cover.
Agricultural activity
LALUX easyPROTECT PRO
Only one covering the agricultural sector (AXA explicitly excludes it).
Cyber need (NIS2)
Dedicated cyber policy
No insurer is adequate — AXA excludes it, Baloise's "internet risks" extension stays partial.
The cyber gap, the market's blind spot
A major risk still poorly covered by standard contracts.

It is the most important finding of our analysis: cyber risks are poorly covered by standard Luxembourg business contracts. AXA explicitly excludes cyber and IT data loss. LALUX and Foyer do not offer cyber insurance in their multi-risk contracts. Only Baloise offers an "internet risks liability" extension on its professional liability — real protection, but partial, which does not replace a full cyber contract (breach notification, crisis management, ransomware, restoration costs).

In the context of the European NIS2 directive (strengthening cybersecurity obligations), and as SMEs are increasingly targeted, dedicated cyber insurance is becoming an almost essential complement to multi-risk, especially for IT-dependent activities. It is a point to address explicitly with your insurer or broker. See our cyber insurance guide.

Self-employed or SME?
The right level of cover for your structure.
👤
Self-employed / liberal profession

Without premises or heavy equipment, professional liability (and operating liability) is often enough to cover the essentials: your faults and damage to third parties. Depending on your profession, professional liability may be mandatory. Think of legal protection and, if you handle data, cyber.

🏢
SME with premises and employees

As soon as you have premises, stock, equipment or employees, multi-risk business insurance becomes more suitable: it protects your property, business interruption and liability. Add the vehicle fleet, directors' liability and cyber by your exposure.

How to get insured
The steps, one by one.
1
Check your obligations

CCSS/AAA, regulated professional liability by profession, vehicle motor liability.

2
List your risks

Premises, equipment, stock, employees, data: what would jeopardise the business.

3
Choose liability + multi-risk

Often both; add cyber, fleet, directors' liability as needed.

4
Compare the cover

Ceilings, exclusions, deductibles (particular conditions) and business sector.

Comparison table
A synthetic read of the 4 licensed business insurers in Luxembourg.
Switchr summary based on the official IPIDs. Indicative, not contractually binding. Updated 21 July 2026.
CriterionLALUXFoyerBaloiseAXA
ProducteasyPROTECT PROmultirisk proBusiness + RCPAtouts Pro
Structure8 sectors2 formulasMulti-risk + prof. liabilityBase + options
Directors' liability✓ Option✓ExcludedExcluded
Machinery breakdown✓✓✓IT/electronics only
Cyber——"Internet risks" optionExcluded
Business interruption✓ (com. unempl.)✓✓Option
Quoted liability ceiling€12M/claim———
Key-person accident—✓——
Agricultural✓ (sector 8)—n/aExcluded
Online subscription✓ OnlineAgencyAgencyAgency
Go further
Our business insurance guides for Luxembourg.
⚖️CoverProfessional liabilityRead → 🏢GuideMulti-risk business insuranceRead → 🔒CyberCyber insuranceRead → 👤GuideSelf-employed insuranceRead →
Frequently asked questions
Everything you need to know about business insurance in Luxembourg.

What is the best business insurance in Luxembourg?

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In August 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 and the only one to quote a liability ceiling (12 million euros per claim). 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?

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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?

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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?

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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?

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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?

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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 formulas (office, commerce/services).

Which companies offer business insurance in Luxembourg?

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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?

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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?

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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?

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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?

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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?

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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?

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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?

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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.