Professional civil liability in wage portage

Professional civil liability: definition

Professional civil liability (PCL) is a comprehensive insurance designed to protect service providers against potential harm caused to their clients. An error during an intervention, a professional fault, an accident at the workplace… employees are constantly exposed to numerous risks, the repercussions of which can be severe:

• Repair costs or compensation;
• Loss of clientele;
• Legal proceedings…

This is where PCL finds its full utility. This guarantee covers both bodily injuries and material/immaterial damages. In the event of an incident, it is the insurer's responsibility to financially compensate the victim, thus relieving the independent worker or entrepreneur of any inconvenience.

Is professional civil liability mandatory?

However, it should be noted that subscribing to a professional civil liability insurance is mandatory for certain professions. This is particularly the case for many people engaged in regulated activities such as:

• Doctors;
• Lawyers;
• Notaries;
• Architects;
• Chartered accountants;
• Building and real estate specialists…

For other professions, although it is not always mandatory, subscribing to PCL is strongly recommended due to the inherent risks of any type of employment. This initiative demonstrates your professionalism and shows your commitment to ensuring client satisfaction.

PCL in wage portage: what does the law say?

As a wage portage consultant, you are protected by law. Indeed, a specific agreement stipulates that your umbrella company must subscribe to an insurance in professional civil liability (PCL) for you. This legal obligation, inscribed in Article 8 of the agreement of June 24, 2010, guarantees that you are covered in case of damages caused to a client during your missions.

Wage portage consultant vs traditional independent activity

The usefulness of PCL in IT wage portage

IT experts (full stack developer, Big Data engineer, Product Manager…) bear heavy responsibilities and face high stakes on a daily basis. A bug in code, a configuration error, a poorly advised recommendation… you can hardly imagine the risks in your profession, as they are numerous.

Whether it’s a breach that leads to a data leak or a bad recommendation, the repercussions can be significant. This is where RC Pro insurance comes into play. It is a financial guarantee that protects you in case of damage caused to a third party due to your professional errors.

Moreover, PCL goes beyond material damages. It also covers immaterial damages, such as the loss of a client’s revenue due to an error on your part. Additionally, in case of a dispute, the insurance offers complete protection as it covers legal and expert fees.

Scenario 1

Let’s take a first example: you are a cybersecurity consultant. During an intervention at a client company, you install a new firewall and, by mistake, configure a setting that blocks access to essential resources for the company. We know very well that this error leads to a major interruption of the company’s activity, inevitably resulting in significant financial losses. In this case, your professional civil liability insurance would intervene to cover the damages caused.

Scenario 2

Suppose this time you are an IT project manager and you are responsible for overseeing a data migration project. Due to poor data management, you accidentally delete important files. This carelessness results in the loss of irreplaceable information for the company. In this case, your PCL insurance would cover the costs of data restoration, if possible, as well as any compensation owed to your client.

Scenario 3

Finally, let’s imagine a situation where you are a systems information consultant and you advise a client on the choice of a new CRM. Unfortunately, the chosen software does not meet the specific needs of the client and leads to significant malfunctions within the company. Your liability could be engaged, and your PCL insurance would allow you to face the financial consequences of this advisory error.

Need to know more about the remuneration of independent IT consultants in France? Check out our guide freelance IT rates.

Weepo: a wide range of IT wage portage contracts

Whether you are a full stack developer, a mobile developer, or a data engineer, we offer a wage portage solution tailored to your skills. Depending on your aspirations and availability, you can choose between a fixed-term employment contract or a long-term project.

To go further, check out our guide on writing a letter of intent.

Why choose wage portage with Weepo?

As an IT professional, do you want to focus on your projects without worrying about administrative and legal aspects? Weepo supports you!

• Enhanced protection: our umbrella company offers you complete social coverage (sickness, unemployment, retirement) as well as tailored professional civil liability insurance.
• Simplified management: administrative complexity is a thing of the past! Weepo will handle all management: contracts, invoicing, social declarations… You gain precious time that you can fully dedicate to your missions.
• A network of experts at your service: thanks to our vast network of partner companies, we guide you in your search for projects while providing you with optimal visibility in the market.
• Personalized support: every computer consultant is unique, which is why we offer personalized support tailored to your needs and ambitions.

Do you want to know more about our professional civil liability contract in wage portage IT? Feel free to contact us, our team will be happy to answer all your questions.