In this era of many uncertainties, many managers have realized the importance of insurance and no longer put off finding insurance suited to the reality of their company and their employees.
Insurance, we’ll see later … For now, I have other concerns. However, it is during its first years that a company is the most vulnerable since, in general, its financial base is then not sufficient to face possible disasters. It is therefore strongly recommended to take care of this problem as soon as possible by determining the risks that the company can cover with its own funds and the perils that must be covered by insurance, otherwise the company could see its situation. compromised.
Once this inventory has been carried out, it is advisable to contact insurers to establish an estimate.
Is it compulsory to take out an insurance contract?
Everything depends on the activity carried out. When it is an obligation, it can find its basis in the law or result from texts governing the activity carried out.
Here are some examples of professions that must take out insurance:
• healthcare professionals (medical liability insurance).
• legal professionals.
• building professionals (construction work insurance, ten-year insurance).
• Professions involving motorized land vehicles. Any natural person or any company whose liability is likely to be engaged because of the use of a vehicle must be insured.
Many other professions, such as those falling within tourism, architects, and real estate agents must be covered by this insurance.
The Agence France entrepreneur (AFE) draws up a non-exhaustive list of the regulated professions which are therefore concerned.
It is therefore necessary to assess the risks that your company can assume according to its financial capacity and those that it is better to entrust to the insurer.
Who to contact to ensure?
Do not hesitate to play the competition and compare different offers. In any case, ask to be explained to you precisely what coverage these offers correspond to.
You have the option of contacting an insurance company which will provide you with insurance benefits directly. Two kinds of entities coexist in this sector: insurance mutuals governed by the code of mutuality for health and providence as well as the insurance code for other matters and insurance companies which obey the insurance code. . Among these entities, some are specialized in an activity or a type of insurance.
Apart from insurance companies, it is possible to seek an intermediary. It may be an insurance agent, a broker whose mission will consist in finding the best formula at the best price or a general insurance agent, representing one or more insurance companies for a given geographic area.
If you are unable to find an insurer, such as may be the case if it is an unprecedented or particularly risky activity, it is advisable to contact your professional organizations which should be able to refer you.
Request a quote
After having carried out an inventory of your insurance needs, it is your responsibility to contact various insurers for the establishment of quotes.
And microinsurance… What does it consist of?
This type of insurance is adapted to the needs of very small businesses which are in the start-up phase of their activity, are monitored by a business creation assistance network, have financing and carry out an activity that does not exist. do not require building up a large stock.
In such a case, the entrepreneur can select up to three guarantees: provident insurance, supplementary health insurance and professional multi-risk insurance.
The 3 categories of insurance
The guarantees weighing on the entrepreneur are classified into three categories:
• Property insurance
• Activity insurance
• Personal insurance
What are the different guarantees that concern you as a business owner?
Property insurance (premises, equipment, stocks, vehicles, etc.)
These goods constitute an important part of the company’s assets. It is therefore better to ensure that they are insured against the most diverse disasters: fire and explosion, water damage, broken glass, theft and vandalism, natural disasters, storms, hail, etc.
Insurance of the activity (products, services)
There are many situations in which your liability as an entrepreneur can be incurred in the event of damage caused in the course of your activity.
These include, in particular, operating civil liability, environmental damage, civil liability due to the use by employees of their vehicles, product liability, civil liability due to the driving of vehicles. the company, …
There are also additional risks specific to certain activities for which it is advisable to seek professional bodies in the sector of activity concerned: goods and equipment transported, the ten-year manufacturer’s guarantee, goods under controlled temperature, professional liability of the professions. liberal, …
Personal insurance: the entrepreneur, his spouse, his employees (illness, provident insurance, retirement, unemployment, etc.)
Any company is subject to a legal and contractual framework which places certain obligations on the entrepreneur relating to the social protection of employees.
To meet these obligations, it is possible to take out collective insurance contracts benefiting all or part of the employees. Under certain conditions, these collective contracts offer various tax and social advantages.
It is also up to the entrepreneur to ensure the protection of all, especially during business trips, starting with his own needs in business leader and those of his spouse.
We can in particular mention the social protection of the entrepreneur, provident insurance, dismissal or retirement of employees, key man insurance for the entrepreneur and some of his employees, professional travel for employees, etc.
2021 ranking of insurers in France
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