Property damage
PROPERTY DAMAGE
Professional, Corporate and Industrial Risks
The purpose of these contracts is to cover the assets of the business. Protect property, real estate, material or goods from various damages and therefore losses that the company could suffer.
The most classic guarantees are of course Fire, Water Damage, Theft or Glass Breakage, but many others exist in these contracts, the sole purpose of which is to provide the best possible working tool.
These multi-risk contracts serve in various ways to best protect your offices, your establishment, your factory, your warehouse, your workshop, your agencies or your commercial area.
We can set up 2 types of contract according to your needs. Either an All Risks Except contract, or a Custom contract adapted to your specific needs.
Loss of Operation on the activity
The Multi-risk contract intervenes during a disaster to allow you to rebuild the premises, the investment necessary to upgrade your production tool (machines, equipment) and to buy back the goods.
The Operating Loss comes here in addition to compensate for any financial loss of the company the time to restore the company's assets. In fact, many of your fixed charges will continue to be charged to you while your turnover is likely to decrease.
By compensating you for this operating loss, the insurer therefore intervenes to best protect the financial sustainability of your business.
Automobile Fleet and Automobile Mission Contract
Insuring your vehicle is a legal obligation. The obligation relates to the damage which one can cause to others but a motor contract can also cover its own damage undergone partly or entirely. This is what is generally called third party insurance, VIB insurance (Theft, Fire, Glass Breakage) or finally "All Risks" or All Accident Damage.
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We mainly operate in the Automobile Fleet and even allow the smallest structures to have an Automobile fleet contract from 5 vehicles instead of 5 automobile insurance contracts per vehicle.
The Automobile Fleet allows, beyond administrative and accounting simplification, to remove all notions of Bonus Malus and therefore to manage its fleet of vehicles as small as it is like large accounts.
From then on, it is possible for us to advise you on the guarantees to be put in place to measure based on the analysis of your par that of your loss experience.
Transported Goods
As soon as you entrust your goods to a transporter (river, land, sea, air), material damage can occur and have a significant cost.
An insurance policy for Transported Goods makes it possible to offset the exemptions from liability of your carrier which are very numerous and surprising; to the legal limits of indemnities defined by international conventions and which are largely to your disadvantage.
Tip: Once this policy is in place, you can ask your carrier to present you with invoices without insurance included.
All IT, Photovoltaic, Hardware, Site, Maritime Insurance Risks, All Risks Except…
Many materials belonging to you require specific cover and only dedicated to cover damage on them.
Indeed, certain fleets of machinery or equipment will be better covered by a specific contract and separate from multi-risk guarantees whether or not they are designated.
Technical and Special Risks
Coverage of your Machine Breakage, Operating Loss and Financial Loss following your Machine Breakdown; Guarantees on your valuables and paintings ....
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