With the advancement of business model formalization, small and medium-sized entrepreneurs increasingly perceive that protecting assets goes beyond keeping products or equipment safe: it also involves shielding reputation and finances against possible professional failures. In this scenario, Professional Liability Insurance (RC Profissional) is gaining ground as a strategic solution.
Created to safeguard businesses and professionals from losses resulting from failures in the exercise of their activities, this type of insurance covers damages as well as general expenses. Previously restricted to large corporations, it is now gaining traction among smaller businesses.
“Small business owners now understand that a simple mistake can lead to significant losses, both financial and reputational. The search for insurance like Professional Liability shows the maturity of Brazilian entrepreneurs,” says Reinaldo Zanon, CEO of Seguralta Franchising, the largest insurance franchise network in the country.
According to him, demand for this type of coverage among the network’s clients has grown by more than 30% in the last two years, driven mainly by freelancers and micro-service businesses. “The judicialization of consumer relations, the growth of digital services, and increased client demands are driving this behavioral change,” he explains.
In addition to financially protecting the business, Professional Liability Insurance also enhances credibility with clients, demonstrating responsibility and preparedness for unforeseen events. In sectors such as accounting, IT, marketing, healthcare, and architecture, it is already considered a competitive advantage.
According to industry experts, this trend is expected to intensify in the coming years, driven by the digitalization of services, expanded access to insurance, and entrepreneurs’ growing awareness of risk management. “The mindset that insurance is a cost is being replaced by the notion that it is a necessary investment for the longevity and solidity of the business,” concludes Zanon.
