Trader, which insurance to choose?

Trader, which insurance to choose?


We'll explain everything you need to know about insurance if you're a trader.

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 trader? What are the main risks in your business? When do you become liable as a trader?

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 merchant insurance.

Summary

    Trader, what are your compulsory insurances?
    What is the price of professional trader insurance?
    Commercial professional civil liability insurance
    What are the best merchant insurance?

Trader, what are your compulsory insurances?
Professional Liability
Status
Optional except for regulated professions (eg travel agency, architects, etc.)
advice
Recommended for everyone to protect themselves in the event of misconduct or professional accidents
Mutual health
Status
Mandatory if you have employees. Optional if you are self-employed.
advice
The choice of the complementary is made by the company, the employee can refuse it under certain conditions
Car Insurance
Status
Mandatory (minimum RC)
advice
If your vehicle is already insured in person, do not forget to include professional use in your contract (this is often possible)
Professional / commercial multi-risk
Status
Optional but recommended
advice
Covers your premises and your professional property (fire, water damage, etc.). Warranties vary from contract to contract
Business interruption guarantee
Status
Optional
advice
Recommended in the event of a drop in turnover
What is the price of professional trader 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 retailer comparators
COMPARE 12
CONTRACTS
RC PRO INSURANCE
COMPARE 34
CONTRACTS
MUTUAL TNS
COMPARE 7
INSURANCE CONTRACTS
MULTI-RISK
Commercial professional civil liability insurance

The merchant 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.

Although you do not have a legal obligation to take out professional liability insurance if your activity is not one of the regulated professions, this insurance is highly recommended. Indeed, a third party can at any time call into question your personal liability, for example following a T-shirt stained during hair dyeing, water damage impacting your neighbors, food poisoning, a parasol on your terrace. which flies off and hits a passerby, the fall of the television that you are repairing for your client, etc.

The risks for a trader are very extensive. It is therefore wise to take out a professional liability insurance as soon as your business opens.
What are the guarantees of the RC Pro merchant insurance?
Civil Liability Pro
Main risks
Fall and breakage of a customer's property during service, food poisoning, bodily injury in the business, fire ...
Probability
Important
Comments
Depending on your activity, a professional RC can be supplemented by an employer RC, a premises RC occupation, etc.
Juridic protection
Main risks
Lawsuits following a claim caused to a customer, supplier, employee, etc.