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Your decennial insurance

A multidisciplinary team to support you

Our construction team brings together complementary skills:

  • Construction law and obligations
  • Ten-year obligations: civil liability or damage to work
  • Financial guarantees and lines of credit
  • Claims management, with and without insurance company involvement
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Employee retention

Company mutual
  • Depending on your collective bargaining agreement, we can help you set up supplementary healthcare coverage.
  • We can offer you formulas with and without individual options, transforming the obligation of mutual insurance into a loyalty-building tool.
A provident contract

Often governed by your collective bargaining agreement, this coverage needs to be carefully studied, because in the event of insufficient coverage, the company is liable.

Inter-company savings plan
  • Flexible and easy to set up, this system is a real loyalty booster for your team.
  • The PEI enables employees and managers to build up savings for their medium-term projects, within an advantageous social and tax framework.
  • Beneficiaries: The non-salaried manager, if he/she usually employs between 1 and 250 employees (in addition to him/herself) his/her spouse, if he/she has the status of collaborating spouse or associate employees, whether on permanent or fixed-term contracts or apprenticeships
  • Optimized savings through matching contributions
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A supplementary pension
  • The contributions paid by the company are exempt from social security contributions up to a limit of 5% of the remuneration subject to Social Security contributions, limited to five Annual Social Security Ceilings (PASS).
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Repatriation of employees

A single contract for all your employees

  • With covers in :

    - Assistance and repatriation

    - Medical expenses abroad

    - Civil liability

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Goods

Which incoterms govern your contract of carriage?

The Incoterms agreed between you and your customer define which party bears the risk of transporting the goods, and the point at which risk is transferred from the shipper to the consignee.

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What are the 4 principles of legal liability for the carrier?
  • The carrier assumes liability for himself and not for the goods entrusted to him.
  • He is presumed responsible
  • Compensation for liability is limited except in cases of gross negligence on the part of the carrier.
  • And exemptions from liability
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Operating assets

The main coverings to be studied are:
  • The premises
  • Machinery and equipment
  • Inventories
  • Operating loss in the event of business interruption
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Our speciality:
  • Regularly review your risks with you
  • Present you with several hedging strategies
  • Manage your subsidiaries' insurance from France
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Fleet

A warranty package for each vehicle

For each vehicle, we will work with you to determine the appropriate coverage.

 
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All your vehicles in one overview

On a listing you can check the vehicles insured. Check additions and deletions. We're also your point of contact for claims management: appointing adjusters, settling with garages.

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Your foreign subsidiaries

Your plus?
  • No local organization required
  • The wording is in French
  • You guarantee your liability and your investments
  • Save money and control costs
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What coverages do we offer?
  • Product liability and civil liability
  • Property coverage
  • Travelling goods
  • Health coverage
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Cyber risks

What causes cyber risks?
  • Common scams
  • Cyber attacks
  • System errors
  • Computer system malfunctions.
The direct financial consequences of cyber-risks
  • Event management fees;
  • Additional charges;
  • Operating fees (experts, lawyers);
  • Ransom;
  • Operating losses;
  • Recovery costs;
  • Loss of funds, image or reputation (misappropriation);
  • Data reconstitution costs.
New risks and obligations
  • The new European regulation on personal data protection appeared in the Official Journal of the European Union on May 4, 2016, and will come into force in 2018. The adoption of this text should enable Europe to adapt to new digital realities.
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Professional liability policies exclude the consequences of computer attacks
  • Business interruption due to a problem with company data, as well as recovery costs 
  • Recovery costs 
  • The company's civil liability as a result of the data.

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Civil liability

To transfer risks
  • For a company, taking out a civil liability policy is a management choice that allows it to transfer certain risks to an insurer.
  • The company must therefore make a precise declaration of its activities, which will then be studied and accepted by the insurance company.


The different components of a civil liability policy
  • Operating liability
  • Products and services liability
  • Professional liability
  • Civil liability of corporate officers
What you need to know before taking out a contract
  • Companies selling products and services in the USA and CANADA must notify their insurer.
  • Some activities, such as the aeronautical and nuclear sectors, involve very large amounts of capital and are subject to specific contracts.
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Our specialties
  • Let your American customers benefit from your product liability policy.
  • Enable your foreign suppliers to benefit from your civil liability policy.
  • Extend your civil liability policy to your subsidiaries.
  • Install a second silent line for discreet security.
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Risk management

A risk audit

In a structured two-hour discussion, we'll work with you to analyze the main exposures your company faces.

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Examples of risks studied
  • Concentration of the number of customers, suppliers;
  • Risks of default on your productions;
  • General conditions of purchase and sale;
  • Insurance of your goods, in your premises, during transport, at a forwarding agent's or even at your customers';
  • Social risks;
  • Fraud by principals.

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