{"id":2603,"date":"2026-07-09T15:23:52","date_gmt":"2026-07-09T13:23:52","guid":{"rendered":"https:\/\/idesramboer.be\/?p=2603"},"modified":"2026-07-09T15:23:52","modified_gmt":"2026-07-09T13:23:52","slug":"independant-ou-salarie-qui-est-assure-pour-quoi","status":"publish","type":"post","link":"https:\/\/idesramboer.be\/fr\/independant-ou-salarie-qui-est-assure-pour-quoi\/","title":{"rendered":"Ind\u00e9pendant ou salari\u00e9: qui est assur\u00e9 pour quoi?"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1456px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><p><em>Un salari\u00e9 et un ind\u00e9pendant travaillent parfois c\u00f4te \u00e0 c\u00f4te au sein d&rsquo;un m\u00eame bureau. Pourtant, leur protection sociale diff\u00e8re fondamentalement. Un salari\u00e9 travaille sous la direction et la supervision d&rsquo;un employeur dans le cadre d&rsquo;un contrat de travail. Un collaborateur ind\u00e9pendant b\u00e9n\u00e9ficie d\u2019un plus grande libert\u00e9 et organise lui-m\u00eame ses activit\u00e9s, m\u00eame lorsque certaines modalit\u00e9s sont fix\u00e9es contractuellement. Cette diff\u00e9rence a des cons\u00e9quences importantes sur la couverture des risques.<\/em><\/p>\n<h2>IND\u00c9PENDANT<\/h2>\n<h3>Responsabilit\u00e9<\/h3>\n<p>En tant que collaborateur ind\u00e9pendant, vous \u00eates couvert par <strong>l&rsquo;assurance responsabilit\u00e9 civile professionnelle<\/strong> du bureau pour lequel vous fournissez des services, \u00e0 condition que vous agissiez en son nom et pour son compte. Pour vos propres missions (en votre nom), vous devez souscrire votre couverture responsabilit\u00e9 civile.<br \/>\nUn risque suppl\u00e9mentaire est apparu suite \u00e0 la modification l\u00e9gislative du Livre 6 du Code civil, vous pouvez, en tant que ind\u00e9pendant, \u00eatre tenu responsable de mani\u00e8re extracontractuel pour des erreurs all\u00e9gu\u00e9es. Une police \u00ab collaborateurs \u00bb permet de couvrir ce risque suppl\u00e9mentaire.<\/p>\n<h3>Accidents<\/h3>\n<p>Un collaborateur ind\u00e9pendant ne b\u00e9n\u00e9ficie pas de la protection l\u00e9gale accord\u00e9e aux salari\u00e9s et doit donc pr\u00e9voir lui-m\u00eame un filet de s\u00e9curit\u00e9 financier en cas<br \/>\nd&rsquo;incapacit\u00e9 de travail due \u00e0 une maladie ou \u00e0 un accident. Une <strong>assurance Revenu garanti<\/strong> offre une protection adapt\u00e9e. Le bureau d&rsquo;architectes peut<br \/>\n\u00e9galement souscrire une assurance accidents pour ses collaborateurs ind\u00e9pendants. Elle couvre les accidents survenant dans le cadre des missions qu&rsquo;ils effectuent pour le compte du bureau.<\/p>\n<h3>Constitution de pension<\/h3>\n<p>Les ind\u00e9pendants compl\u00e8tent leur pension l\u00e9gale par une pension compl\u00e9mentaire via une <strong>PLCI<\/strong> ou un <strong>EIP<\/strong>. Un EIP est uniquement possible si l&rsquo;ind\u00e9pendant dispose de sa propre soci\u00e9t\u00e9 (de gestion) qui lui verse un salaire r\u00e9gulier. Ces deux formules permettent de constituer une pension compl\u00e9mentaire de mani\u00e8re fiscalement avantageuse.<\/p>\n<h2>SALARI\u00c9<\/h2>\n<h3>Responsabilit\u00e9<\/h3>\n<p>Tout salari\u00e9 travaillant au sein d&rsquo;un bureau d&rsquo;architectes b\u00e9n\u00e9ficie en principe de la couverture de<strong> l&rsquo;assurance responsabilit\u00e9 civile professionnelle<\/strong> du bureau;<\/p>\n<p>Toutes les prestations fournies au nom et pour le compte du bureau sont donc couvertes par cette assurance. L&rsquo;impact du Livre 6 du Code civil sur le salari\u00e9 peut \u00eatre nuanc\u00e9, car celui-ci est prot\u00e9g\u00e9 par la loi sur les contrats de travail, en vertu de laquelle il ne peut \u00eatre tenu responsable qu&rsquo;en cas de dol, de faute grave ou de fautes l\u00e9g\u00e8res r\u00e9p\u00e9t\u00e9es.<\/p>\n<h3>Accidents<\/h3>\n<p>En Belgique, l\u2019employeur est l\u00e9galement tenu de souscrire une <strong>assurance accidents du travail<\/strong> pour ses salari\u00e9s. Cette assurance couvre les frais m\u00e9dicaux et les cons\u00e9quences financi\u00e8res d&rsquo;un accident survenu pendant et a la suite de l\u2019ex\u00e9cution du travail ou sur le trajet aller-retour entre le domicile et le lieu de travail. En cas d&rsquo;accident du travail, le salari\u00e9 b\u00e9n\u00e9ficie donc automatiquement d&rsquo;une protection l\u00e9gale. L&#8217;employeur peut choisir de compl\u00e9ter cette assurance par une garantie compl\u00e9mentaire afin de couvrir la partie du revenu d\u00e9passant le plafond l\u00e9gal.<\/p>\n<h3>Constitution de pension<\/h3>\n<p>En compl\u00e9ment de la pension l\u00e9gale, l&#8217;employeur peut choisir de constituer une pension compl\u00e9mentaire sous la forme d&rsquo;<strong>une assurance groupe<\/strong>. Dans ce cadre, l\u2019employeur verse p\u00e9riodiquement une cotisations \u00e0 un fonds de pension qui sera vers\u00e9e au salari\u00e9 lorsqu&rsquo;il atteindra l&rsquo;\u00e2ge de la retraite.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":2601,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":["post-2603","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-non-classifiee"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Ind\u00e9pendant ou salari\u00e9: qui est assur\u00e9 pour quoi? - Ides Ramboer<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/idesramboer.be\/fr\/independant-ou-salarie-qui-est-assure-pour-quoi\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ind\u00e9pendant ou salari\u00e9: qui est assur\u00e9 pour quoi? 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