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Allianz Professional Insurance at the Best Price to Protect your professional activity with peace of mind.
Buildings and contents, Business interruption, Business vehicles, Liability, Legal protection, Engineering services, Business risk support…
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Looking for a new professional insurance or aiming to get better coverage? Whether you want to pay less or have other reasons, we’re here to advise you on choosing insurance that fits both your needs and your budget.
Professional insurance and services in France
For all types of businesses: freelancers, farm operators, craftsmen, professional services, factories, SMEs…
Professional liability insurance
What offerings are available through our agency?
For Legal Professionals:
-Insurance for personal injury cases (ATE)
-Clinical negligence insurance (ATE)
For insurance Agents and Brokers:
-Legal protection for commercial vehicles & fleets
-Business legal expense coverage
-Domestic legal expense coverage
-Legal coverage for residential property owners
Understanding Legal Expenses Coverage: Legal expenses coverage, often termed LEI, safeguards individuals or companies against potential legal fees tied to certain lawsuits.
One can opt for LEI as an added layer of protection to regular home, auto, or business insurance. This acts as a financial cushion, guarding you against unforeseen legal expenses and often comes as a supplementary feature with your primary insurance.
This ensures that you’re not financially burdened with your legal expenses and those of the opposing party.
For both BTE and ATE types of insurance, the likelihood of winning should be assessed at over 51%.
Post-Event Coverage: ATE, or After the Event insurance, acts as a shield against potential financial losses if legal proceedings don’t pan out as anticipated, covering costs like opponent legal fees, expert opinions, attorney charges, and court fees.
Pre-Event Coverage: BTE, or Before the Event insurance, is an assurance against legal costs related to initiating or fending off certain lawsuits. Typically, it’s integrated within auto, home, or business insurance. Note: We do not offer BTE as an independent policy.
BTE policies are circulated through primary insurance providers for auto, home, or business, intermediary insurance agents, and third-party claim management entities.
Buildings and contents insurance
If your business infrastructure or inventory is damaged, misplaced, or stolen, property and contents insurance can assist in restoring normalcy.
Every enterprise, whether petite or vast, owning a facility might consider insurance against potential harm. They might also seek content coverage for their fixtures, fittings, and inventory, ensuring that in any adverse event, they can secure replacements or facilitate repairs.
When is it beneficial?
Claims typically come into play when structures are compromised or when replacements or fixes are required due to events like:
-Weather disturbances like storms or floods
-Theft or break-in attempts
-Vandalism or unlawful destruction.
Business interruption insurance
What does business interruption insurance entail?
Unforeseen events can profoundly affect your enterprise. While business and contents insurance typically address tangible damages and losses, business interruption insurance aids in recuperating financial losses stemming from such physical damages. This encompasses financial strains like payroll obligations and lost revenue.
When is it beneficial?
Business interruption coverage becomes essential when operations are halted due to damages sustained by the business facility.
Business vehicles insurance
What does commercial vehicle insurance entail?
This type of insurance is tailored for business-related cars, vans, taxis, and trucks.
There are normally four types of cover:
-Third party only
-Third party, fire
-Protection for cars which are off the road (SORN)
For businesses owning multiple vehicles, considering a fleet insurance can be more cost-effective, allowing all vehicles to be insured under one policy rather than having individual insurances.
For businesses like garages or those involved in vehicle sales or services, motor trade insurance might be more fitting. Consult with your broker to determine the most suitable coverage for your needs.
Who should consider this?
Companies that operate with corporate vehicles should consider commercial vehicle insurance. For instance, if company vehicles like cars or vans are utilized for client meetings or transporting merchandise, it’s crucial to converse with your broker to ensure the most appropriate protection.
When is it applicable?
Depending on the chosen policy, commercial vehicle insurance might offer coverage for:
-Incidents on the road where your driver is responsible, such as damages to another vehicle.
-Damages inflicted by an unidentified driver or one without insurance.
-Theft or endeavors to steal the vehicle and/or its assets.
-Mistakenly adding the wrong fuel.
Why choose Allianz Ernée?
Allianz professional insurance allows you to choose from a wide range of guarantees and options. You will therefore be able to take out the best insurance solutions to meet your needs.
We are an english speaking team insurance.