Professional civil liability insurance

Professional civil liability insurance

Liability is first and foremost a legal concept, which refers to the obligation to respond to any damage caused to a third party or to property. In the field of insurance, Professional Civil Liability is an insurance contract that protects you against risks that arise in the course of your professional activity. The subscription to a professional liability insurance is compulsory for real estate and construction sectors (Hoguet Law no. 70-9 of 2 January 1970).

Professional liability insurance covers the following in particular:

• Personal injury,
• Damage to property,
• Immaterial damage (financial losses).

In the event of damage, the victim will be reimbursed by the professional liability insurance company, as per the terms of the contract.

Real estate and construction professional civil liability: what does it cover?

Professional liability insurance covers both intellectual and manual activities. However, it is essential for the insurance contract to be flexible to adapt to your business: the professional liability of an interior architect will not be designed in the same way as a professional liability policy covering work at height.

In concrete terms, Professional Civil Liability will compensate victims in the event of damage according to the conditions and compensation limits of the contract. This may be damage suffered by a client, supplier, partner, subcontractor or employee. Additional guarantees can be included in the cover, such as legal protection cover for non-consecutive immaterial damage or damage caused to the vehicles entrusted to us.

The policy cover therefore depends on the nature of your business and your requirements. Our tailor-made approach allows us to advise you on the cover to include in your Professional Civil Liability insurance and to negotiate a contract that is as fair as possible.

Real estate and construction professional liability: Roederer insures your professional civil liability

Trust Roederer's expertise in property and liability insurance (PLI) to take out a professional liability insurance policy for your business. You benefit from the expertise of experienced specialists in the field of construction and real estate development.

As the 13th generalist broker in France (2020 Argus de l'Assurance ranking) and the leading broker in the Grand Est region, our independence allows us to build solid partnerships with insurance companies recognized in the market. We advise you throughout the duration of the contract and defend your interests in the event of a claim.