OUR COVERAGE
What you cover, not what we sell you.
Identify your exposures, understand which products address them, and access a tailored program.
Analyze my coverageThey insure your risks with us
Human error
Poorly calibrated advice, a mistake in a deliverable, an unfulfilled commitment. Professional fault engages your liability and can threaten your business far beyond what you might imagine.
Professional Liability
When a client blames you for a mistake or a delay, legal fees pile up fast. Professional Liability (the cover for mistakes in your work) picks up the bill for you.
DiscoverDirectorsDirectors & Officers (D&O)
A decision you make for your company goes wrong, and people come after your personal money. D&O (insurance for company directors) keeps your assets out of reach.
DiscoverProperty damage
Fire, theft, water damage, vehicle accident. A material loss can halt your operations overnight — well beyond the cost of repairs or vehicle damage.
Property Damage (BOP)
A fire or water damage can shut your premises overnight. This insurance pays for the repairs and keeps you afloat until you reopen.
DiscoverMobilityFleet Insurance
Your vehicles drive for your business, so every accident can cost your company. Fleet insurance covers all your vehicles in a single policy.
DiscoverThird-party liability
Your activity puts you in contact with third parties — clients, suppliers, bystanders. An error, an accident, or damage caused in the course of your operations can engage your company's liability.
Professional Liability
When a client blames you for a mistake or a delay, legal fees pile up fast. Professional Liability (the cover for mistakes in your work) picks up the bill for you.
DiscoverPropertyProperty Damage (BOP)
A fire or water damage can shut your premises overnight. This insurance pays for the repairs and keeps you afloat until you reopen.
DiscoverDigital risks
Digital dependency is your strength. It is also your vulnerability. A cyberattack can paralyze your operations in minutes — and the consequences last far longer.
People protection
Life's uncertainties should not threaten the continuity of your business or the financial security of your employees. Protecting people also means protecting the business.
Group Provident Insurance
When an employee falls seriously ill, their pay drops and they count on you. Group provident insurance (cover that tops up their income) takes over.
DiscoverKey peopleKey Person Insurance
If the partner you cannot do without is suddenly gone, the business wobbles. Key Person Insurance pays money to the company so it can absorb the shock.
DiscoverAll our products
Six lines of coverage, calibrated for fast-moving SMEs.
Professional Liability
When a client blames you for a mistake or a delay, legal fees pile up fast. Professional Liability (the cover for mistakes in your work) picks up the bill for you.
Property Damage (BOP)
A fire or water damage can shut your premises overnight. This insurance pays for the repairs and keeps you afloat until you reopen.
Cyber
One morning your files are locked and a hacker demands a ransom. Cyber insurance pays for the recovery and the crisis response.
Fleet Insurance
Your vehicles drive for your business, so every accident can cost your company. Fleet insurance covers all your vehicles in a single policy.
Directors & Officers (D&O)
A decision you make for your company goes wrong, and people come after your personal money. D&O (insurance for company directors) keeps your assets out of reach.
Key Person Insurance
If the partner you cannot do without is suddenly gone, the business wobbles. Key Person Insurance pays money to the company so it can absorb the shock.
Group Provident Insurance
When an employee falls seriously ill, their pay drops and they count on you. Group provident insurance (cover that tops up their income) takes over.
Financial Guarantee for Home Care Service Organisations
French decree n°2024-1161 of 4 December 2024 makes a financial guarantee mandatory for SAP organisations using the URSSAF Avance Immédiate scheme. Lesto distributes this product through one of the rare insurers offering it on the market.