Professional insurance for craftsmen
The problems of craftsmen are numerous and depending on your activity you can face many claims.
For more information on your activity, find your job description by clicking on the appropriate link:
Butcher insurance
Bakery insurance
Fishmonger insurance
Hairdresser's insurance
Esthetician Insurance
Taxi driver insurance
VTC insurance
Florist Insurance
Tattoo artist insurance
Shoemaker insurance
Craft beer brewer insurance
If you cannot find your activity in this list, also consult the page trade insurance
For more information on craftsman insurance in general, continue reading below.
To obtain a professional insurance quote, complete the form opposite.
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What insurances are provided for craftsmen?
Even if you generally do not have insurance obligations, it is preferable to have solid guarantees to mitigate the situations which bring significant financial risks and which could harm your business.
Your professional responsibility
For all risks of a professional nature and damage caused to third parties, you can take out cover adapted to your activity and your budget, overall to cover a maximum of risks it is recommended to take out at least civil liability insurance. professional (RC Pro) or ideally take out professional comprehensive insurance also covering damage to your company's property.
You welcome your customers, your partners, your suppliers, in your professional premises, as well a workshop, as a physical store, if something happens to one of your visitors and that the fault is yours, you will be legally responsible. If the accident ever results in bodily injury, you will have to pay all of the resulting expenses. To protect yourself from this risk you must have an operating civil liability type guarantee, check if it is included in your professional civil liability insurance contract.
Protect your business premises
You have a stock, whether it is perishable or not, you must protect it from all the risks that may arise, water damage, fire, theft, equipment failure for perishable foodstuffs which are kept in cold rooms or display cases refrigerated. To deal with these risks, you must purchase local business insurance.
You use professional equipment essential for the smooth running of your activity, ranging from a bread oven to a saw bench, if this equipment is defective, your activity will be directly impacted, so machine breakage insurance can allow you to replace it. fast in the event of material damage. Similarly, depending on the severity of the incident, your business may be paralyzed for several days or worse even several weeks, so taking out business interruption insurance can help you get around this problematic.
Use of professional vehicles
You use a professional vehicle to make your deliveries, you must opt for professional vehicle insurance for driving on public roads or take out an extended guarantee on your automobile insurance for personal use.
There are other issues that you can consider as your health, in particular if you are self-employed or self-employed, and that of your employees, provident and supplementary retirement.
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