Understand before choosing
A review centred on your circumstances.
Professionals subject to the French ten-year liability regime must take out the required insurance before work begins.
Take out cover before work starts
The construction site must open while the policy is valid. The professional must provide the project owner with the required ten-year liability insurance certificate before the site opens.
Only declared activities are insured
The exact wording of the insured activities is critical. A policy should not be chosen on price alone: the techniques, trades and work actually performed must be declared and accepted by the insurer.
Not every construction professional is in the same legal position
The obligation depends on whether the professional qualifies as a builder under French law and on the nature of the work. Subcontractors without a direct contract with the project owner do not fall within the same ten-year liability regime, although they remain responsible for their contractual obligations to the main contractor.
Compare the whole policy.
Price only makes sense alongside cover, deductibles, limits, exclusions and conditions. We collect the relevant information and present available solutions without promising cover that is not provided by the policy terms.
Questions
The essentials.
When must ten-year liability insurance be taken out? +
Before the work starts. The site must open while the policy is in force.
Does a ten-year liability policy automatically cover all work carried out by the company? +
No. The work must correspond to the activities declared and insured under the policy.
Useful references
Further information.
The general rules presented on this page are based on French public sources. The cover applicable to your case remains the cover stated in the proposed policy.