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Since 1 January 2025, changes to extra-contractual liability have come into force in Belgium. These changes impact how liability is handled between employers, employees, and clients. But what does this mean for your business, and do you need to take action?

The loss of a loved one is a profound and emotional event. Besides coping with this loss, you are often faced with a flood of practical arrangements. To support you in this, we at S.W.I.S. Insurance have compiled an overview of the main steps you need to take.

In Belgium, there are three forms of cohabitation: de facto cohabitation, legal cohabitation and marriage. Although the cohabitation forms are similar in many ways, there are important differences when it comes to inheritance law and the protection of the partner in case of death. Marriage offers the best protection, but what if you do not want to marry? For de facto and legal cohabitants, it is especially crucial to consider what happens when one of the partners dies. What measures can be taken to protect the remaining partner financially? We are happy to shed some light on the matter!

On 9 October 2023, a new legislation was passed that simplifies the cancellation rules for insurance contracts. From 1 October 2024, this new legislation will enter into force. In this blog post, we will discuss what these changes mean and how they may affect your insurance portfolio.

Portrait rights, which govern the use of an individual's likeness, are crucial for photographers, videographers, and anyone involved in capturing or sharing images of people. The basic rule in portrait law is straightforward: photographers must obtain consent from the person they wish to photograph or film. This consent can be verbal or written, but to avoid future disputes, written consent is highly recommended.

Imagine: you are on a road trip across Europe and while driving through Germany, you are suddenly hit from behind. This happened to Tom, a 30-year-old man, in July 2023. The accident caused serious injuries.

It is of course never pleasant when you become incapacitated and as a consequence can no longer go to work, of course. But when you are no longer able to work as a self-employed entrepreneur, the consequences are even more serious, as you fall without income and continue to pay your expenses on top of that. Fortunately, there is a solution at hand: the insurance Guaranteed Income in the event of incapacity for self-employed entrepreneurs.

Understandably, we would rather not talk about death. However, discussing your financial planning for when the inevitable happens is very important. Ask yourself this question: what will happen to your loved ones when you are gone?

Separating the wheat from the chaff is not always easy when it comes to insurance policies. There are so many insurance companies, so many options: which one do you choose? FSMA offers an enlightening comparison tool for Family Liability Insurance, also known as Civil Liability.