Professional Liability Insurance (RC Pro)
As of 2026-08-16
Every statement of work you sign puts your personal assets on the line the moment something goes wrong -- a bad data mapping, a failed month-end close, a wrong number in a board pack. RC Pro (Professional Indemnity / E&O) transfers that risk to an insurer, and the market has already set the price of entry: tier-1 SIs typically require EUR 1M per occurrence / EUR 2M aggregate, and direct enterprise clients often demand EUR 2M. Portage-salarial group policies frequently cap at EUR 500K and exclude IP disputes, leaving a gap you must close before signing. For a solo consultant billing EUR 150K-300K, the realistic premium is EUR 800-2,500/year -- roughly 0.5-1.4% of revenue -- the price of qualifying for missions a EUR 500K-capped consultant cannot take. The two things that actually decide a claim are notification speed and documentation; both are free.
What you will learn
- Identify the minimum coverage levels demanded by SIs, end-clients, and portage agreements in EMEA and negotiate from that baseline
- Read a policy schedule and locate the exclusions that matter most for SAP implementation work: IP disputes, data loss, subcontracting chains
- Calculate the realistic cost of RC Pro relative to your TJM and understand how claims history, revenue, and project type drive the premium
- Manage a claim professionally -- from the first incident notification to settlement -- without inadvertently voiding coverage
Why RC Pro is non-negotiable for an independent SAP consultant
The moment you sign a statement of work, your personal assets are at risk. A SAP BW migration that corrupts financial reporting data for a listed company, a Datasphere configuration that causes a month-end close to fail, an analytics dashboard that feeds incorrect figures into a board decision -- any of these can produce a claim that dwarfs a year of consulting fees. RC Pro (Responsabilite Civile Professionnelle), known internationally as Professional Indemnity (PI) or Errors & Omissions (E&O) insurance, transfers that risk to an insurer. Without it, you absorb it personally.
This is not a legal analysis. Tax, legal, and insurance decisions are jurisdiction-specific. Consult a broker or insurer who specialises in IT consultants for your actual policy; this module gives you the conceptual framework to have that conversation as a peer, not as a buyer who does not understand what they are buying.
What the market actually demands
Prerequisites
- Review core concepts first: C062, C076, C068
Outcomes
- Select coverage aligned with your client concentration and project size
- Identify the 8 common exclusions that create gaps
- Explain the core architecture and decision points for Professional Liability Insurance (RC Pro)
- Apply a repeatable implementation pattern in a 15-minute lab format
Full module available to members. The full module adds: the decision framework · the end-to-end scenario walkthrough · the KPI scorecard · the anti-patterns · the knowledge check · the diagrams.