Craftsman, which insurance to choose?
We'll tell you everything you need to know about insurance if you're a building craftsman.
In fact, there are absolutely compulsory insurance policies that you must take out from your first day of activity if you practice in private practice. Others are optional but strongly recommended. What guarantees should you take out? What are your specific needs as a building craftsman? What are the main risks in your business? When do you assume your responsibility as a craftsman?
In addition, there are many insurers and it is never easy to know where to turn or which cover to choose.
We explain everything to you and give you the list of the best insurance for construction craftsmen.
Summary
Craftsman, what are your compulsory insurances?
What is the price of professional craftsman insurance?
Craftsman professional civil liability insurance
What are the best craftsman insurance?
Craftsman, what are your compulsory insurances?
Decennial insurance
Status
Mandatory for any building professional having the quality of builder (plumber, mason, carpenter ...)
advice
Must be subscribed before the start of the work
Professional Civil Liability (RCP)
Status
Optional
advice
The RCP is still recommended for all building tradesmen (the guarantees are not the same as the ten-year insurance)
Mutual health
Status
Mandatory if you have employees. Optional if you are self-employed
advice
If you are an employee, the choice of the complementary is made by the company. If you are liberal, you will have to find a TNS mutual fund yourself (you can deduct the contributions from your income)
Car Insurance
Status
Mandatory if you use a vehicle while performing your duties
advice
If your vehicle is already insured in person, do not forget to include professional use in your contract (this is often possible)
Professional multi-risk
Status
Mandatory if you have a private workplace (practice)
advice
Covers your business premises and loss of activity linked to a disaster (fire, burglary, etc.)
Foresight
Status
Optional
advice
Daily allowance insurance is particularly recommended for liberals
What is the price of professional craftsman insurance?
Professional Liability
Average annual price (€)
59 € / year
Pricing criteria
Turnover, claims, years of experience
Advice
The price can double if you take the PJ guarantee (which we recommend)
Company mutual
Average annual price (€)
€ 26 / month for an employee and € 35 for a TNS
Pricing criteria
According to the chosen guarantee levels
Advice
In addition to the price, pay attention to the annual reimbursement ceiling (advice: € 1,000 minimum ceiling)
Car Insurance
Average annual price (€)
45 € / month
Pricing criteria
Driver's age, vehicle model, background
Advice
Choose the "All risks" formula, although a little more expensive than the "Third Party" formula, guarantees compensation for all types of claims (weather, accident, vandalism, etc.)
Multi-risk insurance pro
Average annual price (€)
40 € / month
Pricing criteria
Surface area, geographical area, turnover
Advice
To save money, some contracts also include RC PRO
Foresight
Average annual price (€)
26 € / month
Pricing criteria
Age, selected guarantees, place of work
Advice
Give preference to "Daily Indemnities" insurance: your salary will be maintained in the event of accident or illness
Our artisan insurance comparators
COMPARE 12 CONTRACTS
RC PRO INSURANCE
COMPARE 34 CONTRACTS
OF TNS MUTUAL
COMPARE 7 CONTRACTS
MULTI-RISK INSURANCE
COMPARE 5 CONTRACTS
OF TEN-YEAR GUARANTEE
Craftsman professional civil liability insurance
The RCP building craftsman protects you in the event of damage caused to a third party during your professional activity. This concerns both personal injury and accidents at your workplace.
Unlike the ten-year guarantee, the RCP is not mandatory for all construction craftsmen but strongly recommended, due to the many possible claims. The CPR covers you, for example, if you damage a door of the building during your intervention, in the event of professional error or even following a fall of material injuring a third party.
What are the guarantees of the RC Pro artisan insurance?
Professional Liability
Main risks
Material damage during an intervention on a customer's premises, collapsing scaffolding, injury on site
Probability
Important
Comments
Check the compensation limits as well as the deductibles, which vary from one contract to another
Guarantee of recourse and criminal defense
Main risks
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