What professional insurances should you choose as a manager?
Many business leaders ask this question. Insurance is an effective protection against the risks of loss or accident that can arise throughout the life of a business. But professional insurance is also a cost that needs to be optimized.
Some guarantees are more useful than others depending on your business. It makes sense that a mason does not have the same insurance needs as an accountant. This is how the idea of the comparator Assurancedesmetiers.com was born.
Depending on your job, the type of your business, self-employed, self-employed, micro-businesses, SMEs, you have professional insurance needs which can vary dramatically. It is often complex to navigate, which is why we focus above all on your business and the risks associated with it.
On the one hand, you will be able to find the coverage that best suits your company's needs, but you can also use our services to obtain free online quotes for the purchase of your business insurance.
Professional liability insurance
There is only one basis common to all companies to cover civil liability in the event of a claim for which you or one of your employees is responsible, and that is professional liability insurance also called RC Pro.
For many activities, this is compulsory insurance, this is particularly the case for health professionals, companies working in the construction sector, professionals in finance, law, etc.
However, even if you have no obligation to take out this basic guarantee, it is in your best interest to insure your business. What is more, although the cost will vary depending on your turnover and the nature of your activity, this guarantee is intended to be accessible and also covers operational and post-delivery liability guarantees.
Get coverage quickly by submitting an RC Pro insurance quote request online.
Multi-risk business
Professional multi-risk insurance is a flexible contract, emphasizing comprehensive coverage for your company through the guarantees most suited to your activity and your professional equipment. You will find by default, the RC Pro, the latter is accompanied by guarantees à la carte.
Here are some examples :
Insurance for your business premises
The business premises can just as well be a shop intended to receive customers, as an office allowing you to carry out your activity. You can keep your stock of goods, materials, money there. Logically you must be protected against theft, fire or water damage, to meet this need, taking out insurance for professional or commercial premises is essential.
Business interruption insurance
Real financial protection, the business interruption insurance aims to protect your business if for an accidental reason, you are no longer able to operate your activity and by rebound to generate the income necessary for the good functioning. of your company. Thus this guarantee supports you in the rehabilitation of your business following a disaster, such as damage to property and above all by protecting you from financial consequences.
Professional legal protection
If you face legal proceedings and do not have qualitative legal assistance, you will need to hire a lawyer at your expense. Defense expenses can quickly become a problem. By taking out professional legal protection insurance, you benefit from legal advice, telephone assistance, defense and legal costs.
Computer data protection
No business is immune to computer data theft. Over the past decade, the number of cyber crimes has grown steadily. And in this kind of situation your entire business can be damaged, by purchasing cyber crime insurance you are doing everything you can to protect yourself from malicious actions that could tarnish your business image.
Other guarantees may be added to the multi-risk contract, for construction trades, compulsory construction insurance is an integral part. Each insurance company therefore offers a range of guarantees, some of which are optional, which differ depending on your business.
Decennial liability insurance
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