Industry
Construction
On a construction site, a design or execution flaw makes you liable for ten years after handover, and an incident (stolen equipment, bad weather, a vehicle accident) can halt the works overnight.
Get my quoteRecommended products
The coverage most relevant to your business.
Decennial Liability (RC Décennale)
Mandatory before any construction project starts, for companies carrying out building work.
Latent Defects Insurance (Dommages-Ouvrage)
Pre-funds decennial repairs without waiting for the outcome of a claim, so the project owner isn't left stuck.
Contractor's All Risk (TRC)
Covers the works and on-site materials against theft, bad weather and collapse for the full duration of construction.
Property Damage (BOP)
Protects your premises, material storage and workshop outside of active job sites.
Auto
Covers utility vehicles and machinery moving between sites, mandatory from your first professional vehicle.
Who this is for
How it works
Questionnaire
Answer a few questions about your business and its activity. It takes five to ten minutes.
File review
Our team reviews your situation and sends you a proposal within 24 business hours.
Setup
You receive your certificate and contracts, ready to present to your clients or partners.
Frequently asked questions
Is Decennial Liability mandatory for every trade on site?
Yes. Any activity involved in building a structure (foundations, frame, envelope, inseparable fixtures) requires decennial liability cover before work starts, under French law (Code des assurances, art. L241-1).
Do I need Contractor's All Risk on top of Decennial Liability?
Decennial Liability covers your liability once a defect appears after handover. Contractor's All Risk covers physical damage to the works during construction itself, a different, complementary need.
Are my utility vehicles covered by my decennial liability policy?
No, these are two separate covers. Vehicles and site machinery need a dedicated fleet policy, mandatory from your first professional vehicle.
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