Property and assets
Business liability
Damage caused to third parties by your activity, your products or your employees.
The essentials
An employee damages a client's equipment, a delivered product causes damage, a visitor is injured on your premises: the business's liability is at stake.
Effective liability cover starts with an accurate description of what the business does. That is often where the gaps lie.
The situations concerned
- Your activity has changed since the contract was concluded.
- You work at your clients' premises or on their property.
- You manufacture, import or distribute products.
- A client requires a certificate with a specific sum insured.
How we support you
- Reviewing the description of the insured activity.
- Checking sums insured, sub-limits and deductibles.
- Analysing the exclusions that are sensitive for your trade.
- Handling the certificates requested by your clients.
Before deciding
Points to examine
- 01Damage to property entrusted to you or worked on.
- 02Product liability and the territory covered.
- 03Pure financial loss.
- 04Contractual obligations broader than the law.
How it works
How we move forward together
- Step 1
Take stock
What you own, rent, transport or operate: we map the exposed assets and activities.
- Step 2
Analyse
Sums insured, deductibles, exclusions and conditions of cover are compared with your reality.
- Step 3
Recommend
You receive a reasoned recommendation: what is covered, what is not, and why.
- Step 4
Negotiate and place
We consult the market where relevant and check the documents issued.
- Step 5
Review
Acquisitions, relocation, a new activity: the programme is reviewed as you take your decisions.
Frequently asked questions
Your questions
Does liability insurance cover damage caused by our employees?
In principle, business liability insurance covers the business's liability for damage caused by its employees in the course of their work, according to the contract conditions.
A client is asking for a higher sum insured. What should we do?
We check the request, its cost and its relevance, then obtain a certificate or an adjustment of the contract if necessary.
Is damage to the items we work on covered?
This point is frequently limited or excluded. It must be examined specifically for your trade.
Does liability insurance cover an advisory error?
Pure financial loss linked to an intellectual service often falls under specific professional liability insurance. We examine whether this applies to you.
What sum insured should we choose?
It depends on your activity, your clients and the most serious realistic loss scenario. There is no universal amount.
Let’s talk about your business.
A first conversation to understand your situation, with no obligation. Call us or write to us.