What Insurance For Building Craftsmen?

Between the risks with the activity and the risks related to people, building professionals must at all costs take out insurance that will p...

Between the risks with the activity and the risks related to people, building professionals must at all costs take out insurance that will protect them in the event of accidents in the field, construction defects, and problems with customers at the reception. Works. Focus on the types of insurance that must be taken out for building craftsmen.

Ten-year insurance and professional insurance

The law requires building companies and craftsmen to take out ten-year insurance for themselves, but also for their customers. Professional insurance, in the same way as multi-risk insurance, is essential, because they allow the craftsman to protect himself, but also to protect his customers in the event of damage or accidents. Professional civil liability insurance intervenes when the damage is placed under the responsibility of the professional. It is worth remembering that not all damage is to be attributed to the professional's liability, the assumption of repair costs only concerns construction-related defects.

Ten-year insurance applies to all building trades: builders, prime contractors, masons, and construction craftsmen. In the event of risks linked to external factors such as water damage, fire, or theft, the craftsman will then have to use his ten-year insurance. It also intervenes after the acceptance of the works if damages or defects of work were noted by the customer.

Civil liability and professional multi-risk insurance

Building craftsmen can also use civil liability insurance in the context of their activity. According to the types of gieps contracts, the clauses may be different, but as a general rule, civil liability insurance must protect the craftsman against damage observed after acceptance of the work. This often concerns construction defects, personal injury, and other defects in the materials used on the construction site.

Civil liability also comes into play in the event of bodily injury or material damage caused by a third party, caused by the professional's installations, and in the event of theft. Multi-risk professional insurance offers, for its part, promise guarantees related to professional premises, damage to the existing property, and material problems.

Optional insurance

In the event of an accident on the construction site, the social security scheme reimburses only a small part of the health expenses, leaving a large remainder to be paid to the craftsman. This is where the mutual comes in to take care of part or all of the rest to be paid. Once again, it is important to ensure that the clauses do not contain pitfalls in terms of the guarantees offered, exclusions, and waiting periods.

In addition to compulsory insurance and craftsman personal insurance (mutual insurance, provident insurance) taken out with Asaf gieps, there are other insurance policies allowing the craftsman to strengthen the protection of his activity. This is particularly the case of the guarantee of perfect completion and the guarantee of proper functioning. To find the best insurance and mutual insurance contract, it is obviously advisable to use a mutual insurance comparator which will help to highlight the best contract according to the needs of the craftsman.