Key person insurance: how it works, tax treatment and cost
·8 min read·The 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 read·The 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 read·The 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 read·The 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 read·The 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 read·The 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
Mandatory group prévoyance in France: the 1.50% executive rule, collective agreements and waivers
·8 min read·The essentials
Every French employer must pay at least 1.50% of its executives' salary below the social security ceiling into a prévoyance scheme, or owe €144,180 to beneficiaries in the event of death. Collective agreements such as Syntec extend the obligation to non-executives: rates, waivers and portability explained.
Sami ZarzourRead the article
Mandatory company health insurance in France: employer obligations, minimum benefits, exemptions
·8 min read·The essentials
Every private employer in France must fund at least 50% of a group health plan covering the ANI minimum basket under a responsible contract. With group premiums up 4.7% and a new 2.05% tax in 2026, the real question is price: here is how to check and renegotiate your scheme.
Sami ZarzourRead the article
Professional liability insurance (RC Pro) prices in 2026: rates by profession and turnover
·9 min read·The essentials
In 2026, French professional liability insurance costs between 0.1% and 1% of turnover for most service businesses, with a floor of €150 to €400 a year. Turnover, declared activity, limits and deductibles, claims history: here is what drives the price, with tables.
Sami ZarzourRead the article
Is professional liability insurance mandatory? The list of professions concerned in 2026
·8 min read·The essentials
Professional liability insurance is mandatory in France only for a closed list of regulated professions: healthcare, law, accounting, real estate, construction, brokerage, travel, transport. For everyone else, the obligation comes from enterprise contracts and fundraising, not the law.
Sami ZarzourRead the article
10 practical ways to lower your insurance premiums without sacrificing coverage
·6 min read·The essentials
Discover how to optimize your insurance costs by focusing on prevention, contract structuring, and choosing a partner capable of highlighting your specific risk profile.
Sami ZarzourRead the article
Key Person Insurance: Turning an Investor Requirement into a Continuity Tool
·5 min read·The essentials
Key person insurance is often seen as a box to tick during a fundraise. Discover how to turn it into a genuine lever for operational resilience.
