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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.

Building and public worksCyberThe essentialseventsHome servicesStart-ups / Scale-upsTourismOur vision

  • Is professional liability insurance mandatory? The list of professions concerned in 2026

    8 min readThe 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

  • Personal services financial guarantee 2026: Urssaf Immediate Advance obligation, scale and procedure

    8 min readHome services

    Since 1 January 2026, any personal services organisation using the Immediate Advance with deposits, or declaring more than €200,000 per year, must provide Urssaf with a financial guarantee of €15,000 to €1.2M. Scale, cost, procedure and the 31 October 2026 deadline.

    Sami ZarzourRead the article

  • NIS2 and DORA: is your SME in scope, and what does it change for your cyber insurance?

    8 min readCyber

    NIS2 targets companies with more than 50 employees or €10M in turnover across 18 sectors; DORA has applied to fintechs and their ICT providers since January 2025. The required measures (MFA, EDR, offline backups, incident response plan) are exactly the ones that determine your cyber insurability and premium.

    Loïc CarbonneRead the article

  • Heatwaves and drought: adapting campsite insurance to new climate risks

    6 min readTourism

    Discover how campsite managers can adapt their insurance coverage to intensifying heatwaves and droughts by prioritizing a risk-based approach.

    Sami ZarzourRead the article

  • Third-party software and critical flaws: who pays when your stack betrays you?

    6 min readCyber

    A flaw in an external library can paralyze your product. Discover how to protect your business against failures in your software supply chain.

    Sami ZarzourRead the article

  • M&A and Integration: How to Protect Your Group From a Target’s Hidden Risks

    6 min readStart-ups / Scale-ups

    During an acquisition, the transfer of liabilities and operational risks is often underestimated. Learn how to audit and merge your coverages to protect your group.

    Julien FaléméRead the article

  • 10 practical ways to lower your insurance premiums without sacrificing coverage

    6 min readThe 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

  • QBE’s exit from the construction market: analyzing a predictable shift

    7 min readBuilding and public works

    The news of QBE departing the French construction sector marks a turning point for industry decision-makers. We analyze the reasons behind this withdrawal and the solutions to secure your projects.

    Sami ZarzourRead the article

  • Key Person Insurance: Turning an Investor Requirement into a Continuity Tool

    5 min readThe 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.

    Sami ZarzourRead the article

  • Your personal assets are your company's primary safety fuse

    6 min readThe essentials

    Executives are often the only stakeholders in a company who do not benefit from automatic protection against personal claims, placing their personal assets in jeopardy.

    Julien FaléméRead the article

  • Ten-year structural warranty: what you really need to understand before signing

    5 min readBuilding and public works

    Holding an insurance certificate does not mean you are protected. Discover the contractual grey areas that jeopardize the cash flow of growing SMEs.

    Julien FaléméRead the article

  • Service Level Agreements (SLA): Are your client contracts compatible with your insurance policy?

    6 min readThe essentials

    Discover how to align your Service Level Agreements (SLA) with your insurance to prevent contractual penalties from turning into direct cash flow losses for your business.

    Sami ZarzourRead the article