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Business insurance for less
A company, whatever its activity, size or legal form, is exposed to risks and must therefore be covered by appropriate insurance. Visit insurers offer a range of guarantees which can be grouped into three main categories. There is business interruption insurance, which covers the company's income in the event of a loss, third-party liability insurance, which covers damage caused to others, and insurance for the head of the company and his employees, such as health and disability insurance. For a home-based business, there isself-employed insurance.
- Compare offers regularly with a online comparator.
- Opt for a higher deductible to reduce the premium.
- Install safety measures (alarms, cameras, fire protection) to reduce risks.
- Negotiate multi-policy discount if you take out several policies with the same insurer.
- Maintain a good claims history to obtain better conditions.
Which business insurance should you choose?
For companies, the sme insurance and contractors, certain types of insurance are compulsory, such as civil liability and decennial liability for building professionals. However, other types of insurance are essential, but not compulsory. cover damage to property property damage, environmental damage, etc. Ultimately, the choice of coverage depends on the needs of the company, its field of activity and the risks involved. It's best to discuss this with a insurance broker to accurately define risks which could be covered by the company and those which will be the responsibility of a corporate insurance company.
Business liability, business interruption and legal expenses insurance
Insureds often don't understand the exact coverage offered by a policy. Business liability, for example, covers all bodily injury, property damage or consequential loss caused by the company (employees, facilities, etc.) to third parties, whether they be employees, customers or visitors.
On the other handbusiness interruption insurance allows you to cover the risks associated with a drop or interruption in your business activity, which will affect your sales and profits. With business interruption insurance, you'll be compensated to meet your commitments while you get back to business as usual. Give your business a chance to get back on its feet and return to previous sales or profits, depending on your choice of protection, without burning your cash.
Legal protection is activated and becomes necessary in the event of administrative or legal worries. It covers expenses incurred in the event of litigation, including expert fees, lawyers' fees and bailiffs' fees. These expenses can be very high, and will weigh heavily on the company's cash flow.
Insurance for home-based professional activities
Many people work from home and think that their job is not enough. home insurance is sufficient, but it is not always the case. In fact, it is necessary to extend the home insurance contract or take out a separate business insurance policy to cover the risks associated with the business activity, particularly with regard to materials and work equipment, stock and even loss of income.
Decennial warranty for companies
This type of protection mainly concerns building professionals, who are liable for the construction work they have carried out for a period of 10 years, in accordance with Article 1792 of the French Civil Code. As a result their liability is engaged for any damage involving the solidity of the building, the conformity of the materials used or compliance with construction standards throughout this period. The ten-year warranty covers architects, design offices, building contractors, technical controllers and even project owners.
Insurance for construction contractors
Insuring your construction site or your bond requires an expert broker in the field. Ask us for a free analysis of your insurance file.construction renovation insurance.
Reduce the cost of your business insurance online
Consult our certified representatives and ask for a free personalized quote. A business insurance broker can even visit your company.
