Professional multi-risk insurance will enable you to preserve the company's assets in the event of a hard blow. It offers complete protection by covering the various risks to which companies or self-employed workers are exposed.
By taking out a multi-risk professional insurance policy, you can protect yourself against the financial consequences of a claim. This insurance allows you to continue your activity in the event of a problem.
The cover offered in a comprehensive business insurance policy varies according to the policy and the insurer, but it generally covers:
- Damage to business premises and/or their contents (equipment, goods) in the event of accidents such as fire, water damage and theft;
- Loss of business, i.e. compensation for financial losses caused by the cessation of your professional activity following a covered loss;
- Business liability for damage caused to third parties in the course of your professional activity.
It is essential to check with your insurance agent or broker that the amounts and cover taken out are adequate for your professional activity. Do you need to insure stock, machinery, electronic equipment? What are the risks involved in your business?
It is entirely possible for you to take out separate insurance policies to cover different risks on a case-by-case basis depending on your needs (premises insurance, civil liability insurance, comprehensive cover). However, by taking out a multi-risk business insurance policy, you can decide à la carte what cover you want and everything is grouped together in the same policy. This also simplifies your administration.
This insurance is essential to protect your business against the common risks and unforeseen events that can occur in your daily activity. It allows you to focus on your business with peace of mind.