General professional multi-risk
As its name suggests, comprehensive insurance is multiple and therefore adapted to the needs of the company. Among the many possibilities, we find: guarantee on professional premises, business civil liability, IT protection for equipment and data, financial protection, operating loss, financial guarantee, credit insurance, professional legal protection, periods of increased activity allowing daily allowances to be increased, the value of insured property, cash held during these periods, insurance for activities carried out outside the company's premises or even, insurance in the event of disasters.
The risks covered are as follows: fire, water damage, explosion, storm, hail, broken glass, theft, vandalism, electrical damage, etc.
You can usually choose your level of compensation. You may still have a deductible to pay.
Professional comprehensive insurance is governed by the Civil Code which determines the conditions for incurring a company's professional civil liability.
This insurance policy is the basic policy that any company and professional must take out when they start their activity.