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Qui-Vive Insurances

An insurance broker with a focus on companies

Small enterprises and self-employed persons

Maybe more than anyone else, as a self-employed director you are exposed to challenges and optimum (additional) protection is essential. Qui-Vive therefore not only wants to be an insurance broker, but also a confidential adviser. By pointing out the familiar and less familiar professional risks, by helping you with the red tape involved in the start-up of a business, by fiscally optimising your situation (e.g. in the form of a (supplementary) pension savings scheme) and by working as closely as possible with your other confidential adviser, your accountant.

Analysis of needs

Qui-Vive takes its job as confidential adviser very seriously and doesn’t skate on thin ice to find a solution. We analyse your situation in detail (and on site) and list your existing policies. Based on this, and supported by targeted market study, we draw up an analysis of needs, with issues, desired coverage, etc. And then we provide possible solutions. The nature or focus of your company – production, transport, food, services, whatever – has no effect on this. We insure everything.

Our insurance solutions focus on:

  • Your company: liability; buildings, installations, equipment, content; goods & services; fleet
  • Your personnel: industrial accidents, fringe benefits (group and hospitalisation cover)
  • Your fiscal position as self-employed business owner: Individual Pension commitment (IPT); Supplementary Pension for the Self-Employed (VAPZ)
  • You yourself: risks in the private environment (third party, car, etc.)

Our products guarantee maximum protection, firstly because coverage is complete and worldwide and secondly because you only get the best (we select our products from all companies – the best of the bunch as it were).

Qui-Vive provides you with a very handy checklist; a tool that immediately gives you a very interesting look on your situation and (professional) risks.

Request a free audit

For a customised insurance solution, we will gladly come to you for an audit. We take a close look at business processes, screen the work environment and assess your and your employees' living and work situation. Based on this, we’ll make a well-thought-out and detailed proposal which covers everything. Interested? Let us know today, we will gladly come to visit.

Request your free audit

A selection of our offer

For each target group, Qui-Vive Verzekeringen has a wide range of insurance solutions, which we fully adapt to the individual customer. More specifically it concerns, for instance:

Personalised insurance

Your business is the basis of your income. That is why you should insure it as well as possible. For example, Qui-Vive will gladly work out a personalised solution for industrial accidents, third-party liability operation, fire insurance, equipment, fleet, transport.

Pension accrual

A self-employed person doesn’t receive much of a statutory pension. It can be supplemented with a retirement saving policy, a VAPZ (Supplementary Pension for the Self-Employed) or an IPT (Individual Pension commitment).

Medical expenses

Health insurance is very important. Good hospitalisation insurance can save you a lot of money.
If you are self-employed or own an SME and you fall ill or have an accident, your income may vanish from one day to the next. In this case, guaranteed income insurance is a reassuring buffer.

Group insurance

A good group insurance gives employer and employee security after their careers. Qui-Vive will gladly work out a special formula for you, with balanced premiums and clear terms.


In the event of an incident, it is very important to stay calm at all times, particularly if other parties are involved. Getting all worked up about won't do any good, the damage has been done. And it can happen to anyone.


Fill in the claim form fully and clearly: fill out the European Accident Form if it concerns car damage or give a full description of the circumstances in case of other damage. Specify the identity of all involved parties.


The damage suffered needs to be estimated. As party suffering the damage, you will have to request quotes. In many cases there will also be an appraisal. This procedure may take some time.


The eventual claim settlement will follow. Or, in concrete terms, the repair of the damage suffered and/or payment of damages.

Contact us!

Qui-Vive Insurances
Brugse Steenweg 7 bus 53
B-9940 Evergem

T. +32 (0)9 216 20 80
F. +32 (0)9 355 59 05