General business multi-risk insurance
As its name suggests, multi-risk insurance policies are multifaceted and therefore tailored to the needs of the company. Among the many options are: coverage for business premises, business liability, IT protection for equipment and data, financial protection, business interruption, financial guarantees, credit insurance, professional legal protection, periods of increased activity allowing for higher daily allowances, the value of insured assets, cash held during these periods, insurance for activities carried out outside the company premises, and insurance in the event of a loss.
The risks covered include: 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 to pay a deductible.
Multi-risk professional insurance is governed by the Civil Code, which determines the conditions for engaging the professional civil liability of a company.
This insurance policy is the basic policy that every company and professional must take out when they start their business.