In the passenger transport sector, VTC drivers are exposed to daily risks: an accident, an unhappy customer, a billing error... These situations can engage their liability, sometimes with serious financial consequences. This is why Professional Civil Liability (RC Pro) is an essential guarantee for any VTC driver. As a broker , you have a key role to play in explaining, recommending, and proposing the right packages to your clients. Discover everything you need to know to support them effectively.
1. What is Professional Civil Liability for VTC?
Professional Civil Liability is an insurance policy that covers damage caused to third parties (customers, pedestrians, other users) in the context of the professional activity of a VTC driver.
✅ It covers in particular:
- Personal injury (injury to a passenger during sudden braking)
- Material damage (damaged suitcase, door opened on a cyclist)
- Consequential intangible damages (delay causing financial loss)
💡 Important : Professional liability insurance is mandatory for VTC drivers , just like professional car insurance.
2. How is professional liability insurance different from car insurance?
Although often confused, professional liability insurance and VTC car insurance do not cover the same risks.
| VTC car insurance | Professional Civil Liability |
|---|---|
| Covers vehicle-related damage | Covers professional misconduct |
| Intervenes in the event of a road accident | Intervenes in the event of damage caused during a service |
| Mandatory for circulation | Mandatory to operate in full compliance |
💡 As a KT Courtage partner broker , you must systematically offer both guarantees to your clients for complete protection.
3. Why is professional liability insurance essential for VTC drivers?
✔️ To practice legally
Professional liability insurance is a legal obligation for VTC drivers registered with the competent authorities (such as the VTC register).
✔️ To protect your business and your assets
A simple dispute can quickly lead to legal proceedings . Professional liability insurance covers the costs of defense and possible compensation.
✔️ To reassure customers and partners
Being covered by professional liability insurance strengthens the driver's professional credibility with VTC platforms and customers.
✔️ To meet platform requirements
Some platforms require the presentation of a professional liability insurance certificate to validate registration.
4. How can you help your customers choose their VTC Professional Liability Insurance?
As a broker, your role is to compare offers , analyze the client's needs , and help them understand the guarantees . Here are the points to evaluate:
✅ Coverage level
- Compensation ceiling (per claim and per year)
- Types of damage covered (bodily, material, immaterial)
✅ Franchise applied
- The lower the deductible, the more advantageous the coverage, but the premium may be higher
✅ Additional guarantees
- Legal protection
- Administrative assistance in the event of a dispute
- Criminal defense following a client complaint
✅ Warranty duration
- Annual or renewable insurance for each mission (in the case of flexible contracts)
💡 KT Courtage provides partner brokers with privileged access to competitive and tailored VTC Pro RC offers.
5. Why offer VTC Professional Liability Insurance via KT Courtage?
With KT Courtage , you benefit from exclusive advantages to develop your client portfolio while perfectly meeting their needs:
🚀 Access to specialized VTC/TAXI products , negotiated with trusted partners
📊 Quick comparison tools to find the best plan
📄 Immediate insurance certificate to give to your clients
💬 Expert support dedicated to brokers , to assist you with subscription and monitoring
💼 Packaged offers including professional liability insurance + professional car insurance + legal assistance
📞 Interested in partnering with KT Courtage? Contact us to join our broker network and access tailor-made solutions.
Conclusion
Professional Civil Liability is an essential pillar of VTC driver protection. It covers the specific risks associated with their activity and guarantees their legal and financial peace of mind. As a broker, your expertise is invaluable in identifying the right contracts and securing your clients . With KT Courtage , you benefit from a trusted partner , targeted solutions and tailor-made support to make a difference in a growing market.