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Business risk management

Analyses, field stories, and practical advice for leaders who want insurance that matches the reality of their business.

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  • Filing a business insurance claim in France: deadlines, documents and the mistakes that get you refused

    7 min readThe essentials

    A business insurance claim must reach the insurer within five working days, two in the case of theft (Art. L. 113-2 of the French Insurance Code). Deadlines, supporting documents, mistakes that reduce the indemnity, the broker's role and remedies if the insurer refuses.

    Sami ZarzourRead the article

  • Cancelling your business insurance: Châtel law, renewal dates and switching insurers without a coverage gap

    8 min readThe essentials

    A company cancels its insurance at the annual renewal date with at least two months' notice (Article L113-12), and a business policy may even require more. The real issue is not the letter but retroactive cover and the extended reporting period that prevent a liability coverage gap.

    Sami ZarzourRead the article

  • RC Pro certificate: how to get it in 24 hours (and what to check on it)

    8 min readThe essentials

    A professional liability certificate can be obtained within hours if your policy is in force, and in two to five days for a bespoke file. The real issue lies elsewhere: activities, limits, period and insured entity must match what your client or landlord requires.

    Sami ZarzourRead the article

  • Key person insurance: how it works, tax treatment and cost

    8 min readThe essentials

    Key person insurance pays a lump sum to the company if an indispensable executive dies or becomes disabled. Deductible premiums, payout spread over five years (art. 38 quater CGI), cost from a few hundred to a few thousand euros a year: the guide for SMEs and scale-ups.

    Sami ZarzourRead the article

  • Directors and officers insurance (D&O): what it is for, what it costs, who needs it

    8 min readThe essentials

    Directors and officers insurance (RCMS or D&O in France) protects the personal assets of a corporate officer sued for mismanagement: defence costs and damages. Expect €500 to €2,000 a year for a young company, €2,000 to €8,000 for an SME, and a near-systematic requirement once an investor joins the cap table.

    Sami ZarzourRead the article

  • Business use of personal cars: your employee drives for work, who is insured?

    8 min readThe essentials

    Without auto-mission cover, an employee who crashes their own car on a work trip bears the deductible, the malus and a reduced payout, while the employer remains liable. Here is the number-one coverage gap we see in audits, the applicable rules and the cost of closing it.

    Julien FaléméRead the article

  • Fleet insurance: from how many vehicles, and how does it work?

    8 min readThe essentials

    Fleet insurance opens from 3 vehicles with most insurers (2 to 5 depending on the player) and groups the whole fleet under a single contract that any authorised employee can drive. What really changes: the premium is no longer set by a no-claims bonus but by your fleet's overall claims record, between €350 and €1,200 per vehicle per year in 2026.

    Julien FaléméRead the article

  • Business interruption insurance: gross profit calculation, indemnity period, price

    8 min readThe essentials

    Business interruption insurance reimburses lost gross profit and increased costs of working after a loss, over 12 to 24 months. A worked fire example, the gross profit calculation method, indicative prices and the case of non-damage business interruption (cyber, supplier).

    Julien FaléméRead the article

  • Multi-risk business insurance: covers, price and how to size it

    8 min readThe essentials

    Multi-risk business insurance protects premises, equipment and inventory and compensates lost revenue after a claim, for €1,200 to €6,000 a year for an SME. The real risk is under-sizing: a declared capital that is too low cuts the payout proportionally (proportional rule, art. L121-5).

    Julien FaléméRead the article

  • Ransomware: does cyber insurance pay the ransom? What the policies really say

    8 min readCyber

    Paying a ransom is not prohibited in France and cyber extortion cover reimburses it, under strict conditions: complaint within 72 hours, insurer's prior approval, sanctions screening, sublimit. But the ransom is almost never the real cost: crisis management and weeks of downtime are what matter.

    Loïc CarbonneRead the article

  • Cyber insurance: what does it really cover? First-party costs, liability, business interruption, extortion

    8 min readCyber

    Cyber insurance covers your own costs after an attack, your liability to third parties, business interruption, extortion, fraud and reputation. This guide breaks down each section, the systematic exclusions (regulatory fines, unpatched flaws, late complaints) and how to read sub-limits.

    Loïc CarbonneRead the article

  • Cyber insurance: how much does it cost an SME in 2026?

    8 min readCyber

    An SME with 10 to 50 employees pays between €1,000 and €3,000 a year for cyber insurance in 2026, €3,000 to €10,000 above that. At equal size, the gap between two quotes comes from the security maturity you can prove: MFA, EDR, offline backups and a response plan.

    Loïc CarbonneRead the article