Malt partners with Hiscox and Beloy to provide professional liability insurance coverage for eligible projects.
- Professional liability insurance (PLI) covers certain damages during missions.
- Coverage applies to eligible projects contracted through Malt.
- Report a claim via the process described in this article.
Who is Hiscox?
Hiscox is a specialist insurer, offering a wide range of insurance solutions for individuals and professionals.
Their products have been designed to meet the specific needs of a demanding clientele and are based on a high degree of expertise.
Their strategy has allowed them, for more than a century, to move from a small structure at Lloyd's to a successful international insurance group in the United Kingdom and throughout the world with subsidiaries in Germany, Belgium, Bermuda, Spain, United States, France, Guernsey, Hong Kong, Ireland, The Netherlands, Portugal, Thailand, Singapore
HISCOX SA, is an insurance company registered in the Trade and Companies Register of the Grand Duchy of Luxembourg under number B217018, approved by the Insurance Commission (CAA).
Hiscox has been present in the United Kingdom for many years through Hiscox Group’s headquarters, located at 22 Bishopsgate, London EC2N 4BQ, and registered in England and Wales under company number 70234.
Who is Beloy?
Beloy is a fast-growing insurtech with a mission to be the protective force for independent workers and platforms. Through their sustainable and inclusive insurance benefits, they offer you peace of mind, confidence, and freedom to pursue your chosen profession and lifestyle.
Beloy SAS is registered in the Paris Trade and Companies Register under number 888 048 659 and its head office is located at 19 rue du Rocher 75008 Paris, France and is registered as an insurance broker in the ORIAS register, under number 20006983 (www.orias.fr).
In the United Kingdom, Beloy SAS is supervised by the Financial Conduct Authority (FCA). Beloy SAS is registered on the Financial Services Register (register.fca.org.uk) and its FCA registration number is 978039.
What is Professional Civil Liability insurance?
Professional Civil Liability insurance protects professionals against claims arising from errors, faults, or omissions during their work. It covers legal defense costs, damages, settlements, contractual penalties, and some related expenses.
This insurance also includes Avantages Plus Guarantees, which protect against risks like lost documents or hacked websites, and provides legal support if you face disputes.
Additionally, Operational Civil Liability covers your daily business-related civil liability.
Is Professional Civil Liability mandatory?
For self-employed workers or freelancers, except regulated professions and certain activities, professional liability insurance is not compulsory but strongly recommended to protect you against risks likely to affect your income or your activity.
Where am I covered?
You are covered worldwide.
Any natural or legal person exercising within the framework of one of the statuses listed in your Information Notice, the activities or missions operated by the subscriber or its subsidiaries through the Malt platform (except for the domains listed in the exclusions).
Please consult the General Terms and Conditions and Special Terms and Conditions.
Professional Liability Insurance guarantees
What are the guarantees of Professional Civil Liability insurance (RC Pro)?
Professional Civil Liability covers you in the event of damage of the following types:
- Physical (or bodily) damage: all injuries caused will be covered. This also protects you in the event of the death of a third party (for example, you are a sports coach and your client suffers a heart attack during a session).
- Material damage: all damage or destruction of property (you accidentally drop your laptop) is covered.
- Moral (or immaterial) damage: all moral damages (you are accused of an infringement of intellectual property without having wanted to copy anything) and financial losses linked to damage other than physical or material damage (your late delivery results in a loss of money to your customer) are insured.
For your additional coverage, you will benefit from:
- Benefits plus guarantees: guarantee in the following cases: loss of your documents, hacking of your website, damage to your reputation and replacement of a key person, disputed debt, and project costs.
- Professional legal recourse: guarantee in the event of a dispute or recourse against a client. Hiscox supports your company throughout the legal procedure.
- Operational civil liability: guarantee in the event of damage caused to a third party in the context of the operation of your business in connection with your professional activities outside the execution of a contract.
Example of professional liability insurance coverage
- A customer invited to a party organized on your premises falls and is injured, you will be covered for the damage he suffered.
- While at a prospect's home, you accidentally step on a computer's power cord and drop its screen. You will be covered for repair costs.
- Your accountant visits you at your premises. Because of the rainy weather, your driveway floor is slippery. Unfortunately, upon arrival, your accountant loses his balance and is injured. His condition requires a work stoppage of 3 months. This financial loss (intangible damage resulting from bodily injury) will be covered.
For further information, please consult the General Terms and Conditions and Special Terms and Conditions.
What are the exclusions of Civil Liability insurance?
Civil Liability Insurance excludes damage caused intentionally. Each liability insurance taken out may provide, in addition to this basic guarantee exclusion, other cases of exclusion included in the contract.
| General Warranty exclusions | Professional Liability | Juridic protection |
|---|---|---|
| Lack of contingency and intentional fault of the insured | Provision of utilities | Debt recovery |
| Financial sanctions | Commitments contrary to the law | |
| Illicit economic practices and unfair practices not expressly covered under the professional civil liability guarantee | ||
| Spamming | ||
| Patents in the United States or Canada | ||
| Liability of corporate officers and disputes linked to the employment contract | ||
| Terrorism, wars, and natural disasters | ||
| Illegal collection and processing of personal data |
For more information on exclusions, please consult the General Terms and Conditions and Special Terms and Conditions.
You can view your Terms and Conditions, your Insurance Information Notice, and your IPID (Insurance Product Information Document) at any time on your Indeez portal. Simply log in, go to the Policies page, and upload your documents. You can also download them using the following links:
• General Terms & Conditions
• Special Terms & Conditions
• Insurance Certificate
• Insurance Product Information Document (IPID)
How to report a claim ?
1. Log in or create your account on the Beloy Portal
2. Click “New Claim” and follow the steps to provide the required info and documents.
3. Double-check your details and submit.
4. You’ll get a confirmation email (check spam if you don’t see it).
5. Hiscox will review and acknowledge your claim by email, ask for more info if needed, then decide on the claim.
6. If you need to pause, click “Save Draft” to return later.
7. To check your claim status, contact your claims manager by email.
If you want to file a complaint about a compensation claim, you can contact Hiscox anytime:
• By mail: HISCOX FRANCE, CUSTOMER SERVICE, 38 avenue de l’Opéra, Paris 75002
• By phone: +33 (0)1 53 21 82 82
• By fax: +33 (0)1 53 20 07 20
• By email: hiscox.reclamation@hiscox.fr
Your complaint will be forwarded to the relevant department, which may involve other teams.
If you don’t receive a response within 60 days or are not satisfied with the outcome, you can escalate to the Insurance Ombudsman by filing a complaint on their website: mediation-assurance.org/Saisir+le+mediateur.
You can also send your complaint by mail to:
• TSA Insurance Mediation 50110 75441 Paris Cedex 09, France
• Or to the mediator of the Association of Insurance and Reinsurance Companies (ACA)
The mediator has 21 days to decide if your complaint is admissible. After acceptance, they have 3 months to review the case and suggest a resolution.
Need help? We’re here for you!
For questions about insurance products or the claims portal, contact Beloy at supportmalt@beloy.com, Monday to Friday, 9:30 a.m. to 5:30 p.m.