OUR COVERAGE
What you cover, not what we sell you.
Identify your exposures, understand which products address them, and access a tailored program.
Get my quoteLiability
Your business puts you in contact with third parties: clients, suppliers, passers-by. A mistake, an accident or damage caused in the course of your activity can put your company's liability on the line.
LiabilityProfessional Liability
When a client blames you for a mistake or a delay, legal fees pile up fast. Professional Liability picks up the bill for you.
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DirectorsDirectors & Officers (D&O)
A decision you make for your company goes wrong, and people come after your personal money. D&O keeps your assets out of reach.
DiscoverMandatoryDecennial Liability (RC Décennale)
A construction defect surfaces years after a project is delivered. Decennial Liability covers your liability for the ten years following handover.
DiscoverProperty & business continuity
A fire, water damage, a vehicle accident. A material loss can halt your business overnight, well beyond the cost of repairs.
Premises & job sites
PropertyProperty 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.
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ConstructionLatent Defects Insurance (Dommages-Ouvrage)
A structural defect claim can freeze a construction site for months while liability gets sorted out. Latent Defects Insurance pre-finances the repairs immediately, without waiting.
DiscoverNon-Occupant Landlord Insurance (PNO)
A rented property isn't always covered by your tenant's insurance, and never between two tenancies. Non-Occupant Landlord Insurance protects the property and your liability as owner wherever nothing else applies.
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WorksiteContractor's All Risk (TRC)
A site under construction is exposed to bad weather, theft and damage even before the works are handed over. Contractor's All Risk covers the works and the materials on site.
DiscoverMobility & equipment
MobilityAuto
Your professional vehicles drive for your business, a single one or an entire fleet, so every accident can cost your company. Auto insurance covers them all, however many you have.
DiscoverGoods in Transit Insurance
A damaged box, a truck accident, a container lost at sea: your goods are exposed the moment they leave the warehouse. This cover protects against damage, loss and theft during transport.
DiscoverEquipmentAll Risks Equipment Insurance (TRM)
A machine breaking down, tools stolen on-site, equipment damaged by water while in transit. TRM covers it wherever it is.
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Digital
Depending on digital tools is your strength. It is also your vulnerability. A cyberattack can paralyze your business in minutes, and the consequences last far longer.
People
Life's setbacks shouldn't put your business continuity or your employees' situation at risk. Protecting people is also protecting the company.
Key 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.
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Social protectionGroup Provident Insurance
When an employee falls seriously ill, their pay drops and they count on you. Group provident insurance takes over.
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HealthGroup Health Insurance
French law requires every company to offer its employees supplementary health cover. Group Health Insurance tops up state healthcare reimbursements, from everyday care to hospitalisation.
DiscoverFinancial & regulatory
Some contracts, loans and clients require financial guarantees before you can even start. These policies protect your cash flow and your access to financing.
GuaranteeSurety & Financial Guarantee
Some regulated markets and professions require a financial guarantee before they can start. A surety bond meets that requirement without tying up your cash.
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Cash flowTrade Credit Insurance
A major client doesn't pay their invoice, and your cash flow takes the hit. Trade credit insurance compensates you for unpaid invoices and monitors your clients' solvency.
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LoansBorrower's Insurance
A business or property loan commits the company for years. If the borrower dies, becomes disabled or can no longer work, borrower's insurance takes over the repayments.
DiscoverUnpaid Rent Guarantee
A tenant who stops paying means one less rent payment every month, plus legal costs on top. The Unpaid Rent Guarantee covers the missed payments and handles recovery on your behalf.
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