Self-employed kit · updated 2026
Business insurance for the self-employed in France: the kit
Who it is for: English speakers registered (or about to register) as micro-entrepreneur in France
- 13chapters
- 8French letters, translated
- 47checklist items
- 12tables
- 7links to the official texts
Checked before every release
Reviewed by industry professionals
- 38automated testsrun at every release: prices, links, pages and content checked before publication.
- 7links to the textsevery rule and deadline linked to the official French text.
- 21 October 2026last updaterules checked on this date; you always read the latest version.
Built from the texts and data of Légifrance, Service-public.fr, Urssaf, Assurance Maladie (ameli.fr).
€24VAT included · one payment · instant access
13 chapters online (what is compulsory for your trade, the décennale, quote and invoice wording, gîtes and B&Bs, and 7 French letters translated). €24, VAT included, one payment, instant access, printable to PDF, invoice by email.
Get the kit — €24 Read chapter 1 free
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What you get
- The complete kit: 13 chapters (what is compulsory for your trade, the décennale, quote and invoice wording, gîtes and B&Bs, and 7 French letters translated)
- Included: 8 letter templates, 47 checklist items, 10 tables
For English speakers running a micro-entreprise, a gîte, chambres d’hôtes or a building trade in France: what the law really requires for your activity, how to read a French RC pro or décennale, what goes on your quotes and invoices, and 7 French letters with their translation.
Who it is for
- English speakers registered (or about to register) as micro-entrepreneur in France
- Builders, renovators, plumbers, electricians and other trades working on French homes
- Owners running a gîte, chambres d’hôtes or a holiday let as a business
- Consultants, teachers, designers, gardeners and property caretakers with French clients
Contents of the complete kit
- Three piles: compulsory, expected, optional (free extract below)
- Trades where professional liability is required by law
- Building trades: the décennale
- What goes on your quotes and invoices
- Reading a French RC pro
- Premises, home office and vehicle
- Gîtes, chambres d’hôtes and holiday lets
- Your assets and your income
- Switching policy, cancelling, closing the business
- Six case studies by trade
- Glossary: the French words in your policy
- The letters, in French with their translation
- Checklists by profile and yearly calendar
Included : 8 letter templates, 47 checklist items, 10 tables.
Introduction
Setting up as self-employed in France brings a question that British, Irish, American and Dutch newcomers find hard to answer: which insurance is actually compulsory? The French system has no single “business insurance” rule. It has a patchwork: a few obligations tied to your situation (vehicle, rented premises), obligations tied to specific trades (health, property, building), and a strong market habit of asking for an attestation d’assurance before any contract. This kit sorts it out, with the official source for each rule, then gives you grids to read French policies and the French letters you will need.
It is written for the micro-entrepreneur regime (formerly auto-entrepreneur), the usual starting point for English speakers, and also works for other sole traders (entrepreneur individuel). The rules are those of the official French business portal entreprendre.service-public.fr (checked on 7 July 2026), the Insurance Code (code des assurances), the Civil Code, the Commercial Code, the Crafts Code (code de l’artisanat) and the Tourism Code, as in force on 21 October 2026.
How to read it: chapter 1 sorts insurance into three piles; chapter 2 lists the regulated trades; chapter 3 covers building work and the décennale; chapter 4 the wording on quotes and invoices; chapter 5 how to read an RC pro; chapter 6 premises, home office and vehicle; chapter 7 gîtes and chambres d’hôtes; chapter 8 your assets and income; chapter 9 switching, cancelling and closing; chapter 10 six case studies; chapter 11 a glossary; chapter 12 the letters; chapter 13 checklists.
What this kit adds to the free pages
English-language pages on French business insurance are mostly brokers’ sales pages, and some state that professional liability is compulsory for everyone, which is not what the official portal says. French official pages are short and in French. This kit links each obligation to its text, explains French policy wording in English, and covers what expat entrepreneurs actually run into: the décennale for builders, gîtes and chambres d’hôtes, a home office, a British-registered or personal car used for work.
Three piles: compulsory, expected, optional
Pile 1: compulsory, depending on your situation
The official page on micro-entrepreneur insurance (entreprendre.service-public.fr, in French) lists these obligations, depending on your situation:
| If… | Then insurance is compulsory | Legal basis |
|---|---|---|
| You carry out a regulated activity that requires it | Professional liability (responsabilité civile professionnelle, RC pro) | The text of each profession (chapter 2) |
| You work in construction | Ten-year liability (responsabilité décennale) | Insurance Code, art. L241-1 (chapter 3) |
| You are a health professional | Medical liability | Public Health Code, art. L1142-2 |
| You own or rent a vehicle used for the business | Insurance for each vehicle | Insurance Code, art. L211-1 |
| You rent your work premises | Insurance of the premises | Official page; your lease will require it too |
| You employ staff | Complementary social protection for employees | Official page (outside this kit) |
Pile 2: not compulsory, but expected
- RC pro outside regulated trades: French business clients, platforms and landlords routinely ask for an attestation before signing.
- Insurance for your equipment and stock: your home policy usually does not cover business property.
- Declaring a home-based business to your home insurer (chapter 6).
Pile 3: your call
- Legal expenses cover (protection juridique)
- Business interruption (perte d’exploitation)
- Income protection (prévoyance)
- Cyber insurance if you hold client data or sell online
Your ten-minute diagnosis
| Question | Yes / no | If yes |
|---|---|---|
| Is my activity in the regulated list of chapter 2? | RC pro compulsory: contact the professional body | |
| Do I build, renovate or alter a building (structure, roof, damp-proofing, fixed installations)? | Décennale compulsory before the first job | |
| Do my clients or platforms ask for an attestation? | RC pro compulsory in practice | |
| Do I work in clients’ homes, on their equipment or data? | RC pro including financial loss (immatériels) | |
| Do I receive the public at home or in premises? | Operating liability; tell the insurer of the premises | |
| Do I use a vehicle for the business? | Business use declared | |
| Do I host paying guests? | Chapter 7 | |
| Do I own valuable tools, equipment or stock? | Business property cover | |
| Would a few weeks off work hurt my finances? | Income protection (chapter 8) |
Free guides or the kit
The free guides explain the rules. The kit gets it done: the steps in order, the deadlines and the letters.
Free guides
€0
free on this site
- ✓The rules explained, official texts cited
- —The steps in order, with the deadlines
- —8 French letters with their translation
- —47 checklist items
- —Bookmark it or print it to PDF
Self-employed kit
€24
VAT included, paid once
- ✓The rules explained, official texts cited
- ✓The steps in order, with the deadlines
- ✓8 French letters with their translation
- ✓47 checklist items
- ✓Bookmark it or print it to PDF
As described, or refunded · updates included, at no cost
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Instant access
The complete kit opens right after payment, to bookmark or save as a PDF. Receipt and invoice by email.
VAT included, paid once
The price shown is the total. No subscription, nothing charged later.
Sources you can check
7 links to the official French texts (Légifrance, Service-public…). Not an insurer, not a broker: the kit explains the rules and sells no policy. Terms of sale.
Frequently asked questions
How do I receive the kit?
Right after payment, the confirmation page gives you the link to the complete kit, also sent by email. Bookmark the kit page or print it to PDF (Ctrl+P or Cmd+P, “Save as PDF”). Stripe also emails you the receipt.
Do I get an invoice?
Yes: Stripe generates the invoice and emails it to you.
Is the payment secure?
Yes: you pay once on our checkout page secured by Stripe, with no subscription. Your card details never go through our servers.
What is the guarantee?
The kit is guaranteed as described: if access fails or the content does not match, we restore your access or refund you (terms of sale). It is updated at no cost when the rules change. Contact: admin@tech-bharat.com.
Who publishes the kit?
Claude Assur, an independent information publisher, not an insurer, a broker or a lawyer: the kit explains the general rules and gives you the method and templates; only the official texts and your policy are authoritative.
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