
IT Freelance Insurance | Risks and Covered Professions
Which IT freelance insurance should you choose? Professional liability, cyber risks, and essential protections to secure your IT activity.

Article summary:
Are you considering becoming a wage portage employee but wondering who wage portage is for? Halfway between traditional employment and entrepreneurship, wage portage attracts more and more people seeking their own business activity, thanks to the combined social benefits and the freedom it offers. However, wage portage has certain requirements regarding compatible professions. At Weepo, we've created a comprehensive overview of wage portage professions. From authorized professions to prohibited wage portage, find out who is eligible for wage portage.
According to the collective agreement for wage portage employees of March 22, 2017, you must meet the following 3 cumulative criteria to access wage portage:
💡Good to know: from now on, wage portage is no longer reserved for executives. Social partners have decided to extend access to all socio-professional categories to adapt to the job market and the need for security among freelancers.
Wage portage addresses anyone who wishes to become independent while enjoying employee social benefits. The status is therefore open to executives, retirees, freelancers, as well as job seekers.
Wage portage is an excellent idea for an entrepreneur as it allows them to:
Thanks to these advantages, the company founder can take the time to practice seeking assignments and acquire skills before creating their own structure.
The wage portage status is very popular among executives leaving employment, because they retain the same guarantees: coverage by the General Social Security Scheme for better social protection, the advantage of paid leave, sick leave compensation, rights to unemployment, or accumulating enough for their retirement.
With sole proprietorship status, the executive would no longer enjoy these guarantees.
Wage portage is fully open to retirees and allows them to combine their retirement pension with income earned as a portage consultant. This status is perfectly suited to retirees still eager for professional and entrepreneurial adventures. Moreover, retirees' profiles are highly valued by umbrella companies thanks to their solid experience.
Given the difficulty of finding a place in the job market right out of school, wage portage is an excellent transition solution for young graduates before securing a permanent job. Thanks to wage portage, they have the opportunity to build a stronger experience for future employers, meet different stakeholders in their field, and perhaps even find their next employer.
It is entirely possible to combine unemployment benefits with the salary paid by the umbrella company, allowing a job seeker to build a supplementary income.
❗REMINDER: the combination of unemployment benefits and salary is capped at 70% of the wage minus the initial unemployment benefit amount.
If you're considering a career change to start your own business, wage portage lets you make the transition to entrepreneurship safely. By becoming an wage portage employee, you retain the same benefits as a traditional employee and ensure the continuity of your rights even after terminating your employment contract.
As a freelancer, you might find yourself in precarious situations or face management difficulties, particularly at the beginning of your business. Wage portage enables you to benefit from employee social security and delegate your administrative management so you can focus on your core mission. Through your umbrella company, you can benefit from personalized support from a team of experts, which is rarely the case when working solo.
💡Good to know: with our umbrella company Weepo, you are supported by a responsive and attentive team at every step of your project. Visit our page for more information.
If you are a micro-entrepreneur, wage portage may be an excellent alternative for the following reasons:
By choosing wage portage, you can overcome certain limitations specific to the self-employed status.
To find out more, check out our article wage portage vs micro-enterprise.
The wage portage employee must provide an intellectual service such as consulting, training, coaching, engineering, IT, etc.
Here is a representative table of different professions eligible for wage portage:
| Type of profession | Examples of eligible professions | Exceptions / excluded professions |
|---|---|---|
| Liberal professions | Independent consultants (strategy, organization, management, etc.) | Regulated professions (lawyers, doctors, chartered accountants, etc.): excluded because they are subject to an Order, specific regulation, and liability rules incompatible with wage portage. |
| Construction | Construction consultants, project managers, consulting engineers | Manual construction trades (masons, electricians, plumbers, etc.): excluded due to high professional risks, strengthened safety obligations, and strict regulatory oversight. |
| Transport | Parcel couriers, passenger transport, VTC drivers | Long-distance truck drivers: excluded as they are subject to specific social regulations (driving times, rest, collective agreements) incompatible with wage portage. |
| Secretarial / Administration | Virtual assistants, remote administrative managers, independent secretaries | No notable exclusions as long as the activity is performed remotely and as an intellectual service. |
| E-commerce | Digital marketing experts, e-commerce consultants, service providers for online stores | E-commerce shop owners: excluded as wage portage does not permit direct commercial operations or selling products in one's own name. |
| Real estate | Independent real estate agents, property managers | Property management professions: excluded because these are regulated activities requiring a specific professional license and personal legal responsibility. |
| IT (Informatics) | Developers, systems & networks engineers, IT consultants, digital project managers | Few exclusions as long as the activity concerns consulting or intellectual services. Some umbrella companies, like Weepo, specialize in IT professions. |
| Communication & Web Marketing | Community managers, web editors, communication officers, SEO/SEA consultants | No major exclusions, as long as the activity is intellectual service provision. |
| Finance | Management controllers, wealth management advisors, financial consultants | Bankers and traders: excluded due to regulatory, institutional, and licensing requirements incompatible with wage portage. |
| Human Resources | Recruitment consultants, HR specialists, talent management consultants | Rare exclusions, except for regulated activities or those amounting to disguised temporary work. |
| Consulting & Coaching | Professional coaches, trainers, sports coaches, strategy consultants | Regulated consulting (lawyers, notaries, etc.): excluded because they are subject to professional orders and strict codes of ethics. |
💡Good to know: If you want to start your IT career, join our umbrella company Weepo, specialized in tech jobs. Check out our page wage portage IT and development missions for more information.
According to the Ordinance of April 2, 2015, certain activities or professions are strictly prohibited in wage portage, namely:
After defining the conditions, typical profiles, and professions accessible via wage portage, let's detail the obligations to remain a wage portage employee.
According to the provisions of the ordinance of April 2, 2015, the wage portage employee must carry out a temporary assignment for their client, which cannot exceed 3 years. Unlike standard employees, the wage portage employee cannot replace an employee suspended following a collective conflict.
Unlike self-employed workers, wage portage employees must perform assignments for a business only, not for individuals. By "business," we mean a private law enterprise, a local authority, or a non-profit association.
💡Good to know: To recognize a business, the criteria are an organization engaged in economic activity, hiring staff, using premises and appropriate equipment.
With respect to their umbrella company, the wage portage employee must report their activity at least once a month.
You now know who wage portage is meant for. Here are the 5 key points to remember:
For more information, check out our page on wage portage regulations.


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