Business liability insurance: a combination of simplicity and innovation

To meet your business liability insurance needs, we have developed comprehensive coverage for three types of businesses: traders/manufacturers, providers of professional services and mixed service providers. Our approach covers the needs of all business segments, regardless of size.

Our business liability insurance

We provide cover for three types of businesses: traders/manufacturers, providers of professional services and mixed service providers, offering:

• Greater simplicity: we have worked on making our insurance as easy to understand as possible, highlighting the key aspects. Exclusions are put into categories and the amounts of cover are summarised in a table;
• Greater flexibility: to make it easier to take out our insurance products, the definition of covered activities includes activities that have been declared, as well as “all activities connected or associated with the activities described”. Furthermore, your French subsidiaries no longer need to be declared one by one: they are automatically included in the policy, the scope of which is now based on the group’s total turnover.

SMEs and intermediate-sized businesses face a number of risks such as supply chain disruption and cyberattacks, which can affect their liability towards clients as well as suppliers.

Our policies are designed to address all these challenges and are tailored to the size of your business and its development, offering levels of cover and excess amounts that can be adapted to your needs.

Keeping up with emerging risks to safeguard your business

We pay close attention to what is happening on the ground and are constantly enhancing our insurance offering to provide innovative cover to protect your business in an ever-changing world.

For example, our range of insurance solutions includes coverage for environmental damage and damage to your business image or reputation. 

Reputational risk is a new risk that is becoming more significant as society becomes more digitalised.  To address this risk, we automatically include “Crisis management assistance”, part of our crisis management and business image protection insurance, offering five hours of advice from a specialist firm, as well as advice on how best to prepare your crisis management plan.

Recognised and praised by businesses

Business liability insurance is the cornerstone of solid insurance cover for you and your business. 

Our teams of underwriters and advisors across France have the technical and legal skills to offer you the best advice and above all the best liability solutions to protect your business.

In addition to our team of experienced underwriters, a prevention officer specialising in civil liability is also on hand at any time over the policy term to help with specific issues such as preventing occupational accidents.

Finally, our highly responsive claims handling teams are renowned for their expertise in protecting your interests when a liability claim is made.