Fairground, which insurance to choose?
We'll walk you through everything you need to know about insurance if you're a fairground. 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 fairground? What are the main risks in your business? When do you assume your responsibility as a showman? 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 fairground insurance.
Summary
Forain, what are your compulsory insurances?
What is the price of professional fairground insurance?
Fairground professional civil liability insurance
What are the best fairground insurance?
Forain, what are your compulsory insurances?
Professional Civil Liability (RCP)
Status
Optional but often imposed by regions and municipalities
advice
Indispensable to protect you from disasters related to your activity, which can turn out to be dramatic
Civil liability operating (RCE)
Status
Optional but often imposed by regions and municipalities
advice
Often included in the RCP, it covers you for damages related to the life of the fair or funfair
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.
Car Insurance
Status
Mandatory for your vehicles
advice
You can consider "convoy" insurance or "motorhome and similar" insurance if it is not a single vehicle
Professional multi-risk
Status
Optional
advice
Interesting contract because it includes several guarantees (RCP, operating loss, etc.)
Foresight
Status
Optional
advice
Daily allowance insurance is particularly recommended for liberals
What is the price of professional fairground insurance?
Professional Liability
Average annual price (€)
From € 99 / year (the price increases according to the risk of the merry-go-round)
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 fairground insurance comparators:
multi-risk-comparator-pro
COMPARE THE BEST PROFESSIONAL INSURANCE
Fairground professional civil liability insurance
The fairground RCP 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.
The law does not require showmen to be covered by Professional Civil Liability. On the other hand, the regions and municipalities in which you are settling may require it. It is still strongly recommended to take out RCP fairground insurance.
It is also advisable to turn to an insurer who is familiar with the risks of a fair or a funfair in order to benefit from fully adapted guarantees and fair support.
What are the guarantees of Pro fairground liability insurance?
Professional Civil Liability (RCP)
Main risks
Injury to visitors, degradation of the town, food poisoning
Probability
Important
Comments
For "thrill rides", RC is more expensive and needs to be more extensive
Civil Liability Exploitation (RCE)
Main risks
Degradation of the place, non-compliance with noise pollution rules
Probability
Important
Comments
The RCE is not always included in the RCP, so you have to subscribe to it
Criminal defense and remedies
Main risks
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