Multirisque Professionnelle
Occupational multi-risk insurance is an all-risk insurance that covers the movable and immovable property of an undertaking, as well as its civil liability. Its aim is to protect the assets of a company from economic damage that occurs in its work facilities, caused to third parties or from its own damage.
This insurance protects your professional activity from the vagaries of working life, but also from your compulsory civil liability for personal, material and immaterial damage caused to third parties as a result of your activity.
What are the assets guaranteed?
- Professional buildings (whether you own, co-owner, or tenant): i.e. walls, roof and all indivisible elements.
- Furniture and professional equipment: office furniture and machinery and instruments used in the exercise of the profession.
- Goods: Stocks and stocks such as raw materials and supplies.
What are the risks covered?
Some of the risks covered in your occupational risk insurance are:
- Fire and electrical damage
- Water damage
- Ice shades
- Theft and acts of vandalism
- Certain weather events (storm, hail, snow, natural disaster, etc.)
- Civil liability for real estate, rental, farm, employer or product.
Who should take out a multi-risk professional insurance?
The Professional Multi-Risk Insurance Contract covers all companies and activities: traders, craftsmen, farmers, construction companies, the liberal and medical professions. It is independent of the size of the company and can therefore also be subscribed by individual companies and self-entrepreneurs. Associations and communities must in the same way as companies be covered by a professional multi-risk insurance.
It is non-compulsory professional insurance.