Professional Multirisk Insurance

Professional Multirisk Insurance

" Prevention is better than cure "
Many people forget this old adage, out of recklessness or economy, and one day bite their fingers.
Are you a trader, a craftsman, do you practice a liberal profession, do you manage a service company, etc.?
Do you have premises, furniture, goods, equipment to protect?

So what should be done?

The answer is simple: Take out Professional Multirisk Insurance.

    What is Professional Multirisk Insurance?
    Who is affected by this insurance?
    Is it an obligation? What would I benefit from?
    What are the goods guaranteed by this contract?
    What risks does this insurance contract cover?
    What are the limits of the guarantees offered?
    How to take out this insurance? What information to provide?
    What should be done in the event of a loss?
    What precautions should be taken to prevent a loss from occurring or to limit the consequences?

I. What is Professional Multirisk Insurance?

In order to exercise your profession in complete safety, "professional multi-risk" insurance covers you in the exercise of your activity for damage to your premises and professional property as well as your responsibilities.

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II. Who is affected by this insurance?

Professional Multirisk insurance is particularly aimed at:

    Liberal professions;
    Craftsmen, traders, etc;
    Small business managers.

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III. Is it an obligation? What would I benefit from?

This insurance protects your professional activity from the vagaries of professional life, but also from your compulsory civil liability for bodily injury, material and immaterial damage caused to third parties as a result of your activity.

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IV. What are the goods guaranteed by this contract?
Professional buildings (whether you are an owner, co-owner, or tenant):

These are the walls, the roof, but also all the elements that cannot be detached from them, such as heating, air conditioning, coating.
Furniture and professional equipment:

This is all office furniture as well as machines and instruments used in the exercise of the profession.
Merchandise :

These are stocks and work in progress, that is to say raw materials, supplies, various supplies, products in process or finished, packaging, etc.

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V. What risks does this insurance contract cover?

The "professional multi-risk" contract guarantees, under certain conditions, your property against: Fire, water damage, glass breakage, theft and civil liability. You may be offered other guarantees, depending on the company of your choice.
Fire and Related Risks:

The fire poses a real threat to your equipment, merchandise, furniture and real estate. Thus, this guarantee offers you to cover:

    The building s