{"id":93258,"date":"2024-09-18T09:57:20","date_gmt":"2024-09-18T07:57:20","guid":{"rendered":"https:\/\/dexxter.be\/tax-deductible-insurance-for-self-employed-in-main-occupation\/"},"modified":"2026-05-15T13:15:58","modified_gmt":"2026-05-15T11:15:58","slug":"tax-deductible-insurance-for-self-employed-in-main-occupation","status":"publish","type":"post","link":"https:\/\/dexxter.be\/en\/blog\/tax-deductible-insurance-for-self-employed-in-main-occupation\/","title":{"rendered":"Tax-deductible insurance for self-employed in main occupation"},"content":{"rendered":"\n

As a self-employed entrepreneur in Belgium, it is important to understand which insurances you can deduct from your taxes. In other words, which insurances provide deductible professional expenses.
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In this article, we dive into the depths of tax-deductible insurance, from guaranteed income to hospitalisation insurance. So grab your notepad and let’s get started! \ud83d\udcdd
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What are tax-deductible insurance policies?
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Tax-deductible insurances are those insurances whose premiums can be deducted from a self-employed person’s taxable income.<\/strong> Let’s take a look at some of these insurances. \ud83d\udd0e
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List of insurances<\/h2>\n\n\n\n
\u2705 Tax deductible<\/strong><\/td>\u274c Not tax deductible<\/strong><\/td><\/tr>
Social FSPS* and PAS**<\/td>Accident insurance<\/td><\/tr>
Guaranteed income<\/td>Hospitalisation insurance<\/td><\/tr>
Turnover insurance<\/td><\/td><\/tr>
Bankruptcy insurance<\/td><\/td><\/tr>
Fire insurance<\/td><\/td><\/tr>
Civil liability insurance<\/td><\/td><\/tr><\/tbody><\/table>
*FSPS= Free Supplementary Pension for the Self-Employed | **PAS= Pension Agreement for the Self-Employed<\/figcaption><\/figure>\n\n\n\n


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\u2705 Tax-deductible insurance
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Want to know more about the meaning of the above tax-deductible insurances? Then be sure to view our blog article on dwelling on the right <\/a>insurance as a self-employed person<\/a> in main occupation!<\/a>
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Please note that many of the insurances we mention above may need to be limited according to professional use. Fire insurance for the home in which you also carry out your self-employed activities? Then only part(s) of that fire insurance will count as professional expenses.
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Still a nice, extra professional cost for your accounts, of course! Because you pay that fire insurance anyway, whether you are self-employed or not.
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\u274c Non-tax deductible insurances
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Hospitalisation insurance
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Although hospitalisation insurance is important to cover the cost of medical treatment, unfortunately the premiums for this insurance are not tax deductible. They are automatically too private for the tax authorities.
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Accident insurance
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Like hospitalisation insurance, accident insurance premiums are not tax deductible. This insurance provides benefits in case of disability due to an accident, and can also cover hospital bills.
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Here you do have as a counterpart the guaranteed income insurance. This is deductible as a professional expense and you also take out a form of disability cover.
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Take your accounting into your own hands \ud83d\ude4c
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Self-accounting doesn’t have to be difficult. At least if you are given all the necessary tools. With Dexxter<\/a>, you can do it all in 1 platform: invoices, quotations, vAT, taxes and more.
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Book all your tax-deductible insurance via the all-in-one accounting platform for Belgian sole proprietors!

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