LIABILITY
General
Covers bodily injury, property damage and non-material damage caused to third parties in the course of professional activity. Mandatory in many sectors.
Products
Protects the manufacturer or distributor against damage caused by a defective product placed on the market, after delivery or acceptance.
Environmental
Covers clean-up costs and compensation related to accidental environmental damage (soil, water, air) caused by the company’s activity.
Cyber insurance
Covers the financial and operational consequences of cyberattacks, data breaches, and ransomware, including data restoration costs, GDPR notifications, business interruption losses, and liability to affected parties.
Medical / Healthcare professionals
Covers errors, faults or omissions committed by healthcare professionals (doctors, clinics, laboratories) that have caused harm to the patient.
Construction
Mandatory for builders, this insurance covers structural damage that compromises the integrity of completed work or renders it unfit for its intended purpose for 10 years following acceptance.
PROPERTY DAMAGE
Commercial all-risks (MRP)
Comprehensive policy covering premises, equipment and stock against fire, water damage, theft, machinery breakdown and natural disasters.
Machinery breakdown
Compensates for damage suffered by industrial or IT equipment following a breakdown, handling error or short circuit.
All-risks IT insurance
Protects IT equipment against physical risks (breakage, theft, fire) and non-material damage (data loss, reconstruction costs).
Construction insurance (Damage to works)
Mandatory for project owners, this insurance funds repairs to defects covered under the 10-year guarantee without requiring a prior court decision.
FINANCIAL LOSSES
Business interruption
Compensates for loss of gross margin and fixed costs incurred after a claim that has interrupted or reduced activity (fire, flooding, power outage, etc.).
Credit / Customer default
Protects businesses against losses from unpaid customer invoices due to insolvency, bankruptcy, or prolonged payment delays. Coverage may also include debt collection services and business intelligence.
Surety / Financial guarantee
Guarantees the performance of a company’s contractual or financial commitments to a third party (customer, State, landlord). Replaces a cash security deposit.
Fraud & Internal malicious acts
Covers misappropriation of funds, breach of trust and malicious acts committed by employees or external third parties (suppliers, service providers).
HUMAN RESOURCES AND GROUP EMPLOYEE BENEFITS
Company health insurance
Mandatory for private-sector employees, group health insurance helps cover medical expenses not reimbursed by social security, with the employer contributing to the cost.
Group income protection
Ensures employees’ income is maintained in the event of sick leave, disability or death. Complements social security benefits and statutory protection schemes.
Key person insurance
Pays a lump sum to the company in the event of the death or disability of an employee whose loss would seriously jeopardise the company’s continuity or income.
Collective retirement savings plan (PERCOL)
A workplace savings plan that allows employees to build additional retirement savings, with the possibility of employer contributions and tax benefits.
TRANSPORT AND LOGISTICS
Goods in transit
Covers loss of and damage to goods in transit by road, sea, air or multimodal transport, from sender to recipient.
Hull / Aviation
Protects the shipowner or air operator against damage to or total loss of the vessel or aircraft resulting from an accident, shipwreck, collision or malicious act.
Carrier’s liability
Covers the carrier’s legal liability in the event of damage to goods or persons entrusted to its care during transport.
Commercial motor fleet
Comprehensive policy covering all of a company’s vehicles (cars, vans, trucks) for third-party liability and according to the selected cover (comprehensive, theft, etc.).
SPECIALISED SECTORS
Agricultural sector
Protects farms against weather hazards (hail, frost, drought), livestock diseases, crop loss and the operator’s liability.
Political risks
Protects international investments and receivables against expropriation, political unrest, currency non-convertibility or abusive contract termination by a State.
Upstream energy sector
Protects companies in the upstream energy sector against major risks at every stage of the value chain: exploration, production, refining, transport and distribution.