Miscellaneous Risks
The branch that protects your assets and your day-to-day activity: fire, property damage, civil liability and accidents. We audit your risks before building the cover.
Main guarantees
- Fire, explosion and water damage
- Theft, vandalism and glass breakage
- Machinery breakdown and IT equipment
- Professional and family civil liability
- Personal accident cover
- Business interruption loss
Cover commonly offered in this branch. The exact scope depends on the company selected and the plan chosen; we set it out in your quote.
Who it is for
- Shops, workshops and offices
- SMEs and industrial units
- Professional practices
- Families, for family civil liability
What to send us
With these in hand, an advisor can start comparing without a back-and-forth.
- The address and floor area of the premises
- An inventory of equipment and stock, with values
- The exact nature of the activity carried out
- How many people work on site
- The safety measures already in place
Frequently asked questions
Do I need one contract per site?
No. Several sites can appear on the same contract, each with its own declared sums insured.
Is civil liability included by default?
It depends on the plan. Professional civil liability and family civil liability are two distinct guarantees covering different situations.
What does business interruption actually cover?
It compensates the drop in turnover during the shutdown that follows a covered loss. It does not repair the loss itself — it is a complement, not a substitute.