Decennial insurance for a new business: get insured before your first job
Are you setting up a construction business in France, as a micro-entrepreneur or a company? Decennial insurance must be in place before your first project starts. With no history, insurers look mainly at your experience and qualifications. Lev Assurances helps you build a strong file.
- Micro-entrepreneurs and companies
- A file based on your experience
- Certificate before your first quote
NEED ADVICE?
Documents usually requested
- Business registration (or in progress)
- Trade qualifications
- Employment certificates, payslips
- Project references
- Forecast turnover
Why get insured from day one
The decennial insurance obligation applies from the first project, whatever your status, including as a micro-entrepreneur. The policy must be taken out before the project’s opening date and cover the activity concerned on that date: a project opened before you take out the policy will not be covered. And the certificate must be attached to your very first quotes.
With no insurance history, the insurer assesses your competence: qualifications (CAP, BP, BTS or equivalent), years of experience as an employee, project references. The better documented your file, the simpler the review. If you have never been insured, see also decennial insurance with no history.
Declare only the activities you master and that your experience justifies: this keeps the file consistent and limits the premium. You can add activities later. See covered activities and exclusions.
The decennial insurance cost for a new business is based on forecast turnover. To finance your first equipment, a business loan can also be considered.
More about decennial insurance
Construction insurance
Overview of construction insurance in France: decennial, dommages-ouvrage, professional liability.
Decennial liability (BTP)
Our main page on decennial insurance for construction professionals.
Decennial certificate
What the certificate must contain and when to give it to the client.
Covered activities and exclusions
Why declared activities determine what is covered.
Dommages-ouvrage insurance
The project owner’s insurance, complementary to decennial cover.
How we review your decennial insurance
Describe your activity
Your trade, techniques, turnover and share of subcontracting help target the right covers.
Gather your documents
Business registration, qualifications or proof of experience, previous certificates and claims history if any.
Review the offers
Covered activities, limits, excesses and exclusions are reviewed with you before signing.
Receive your certificate
Once the contract is in force, the decennial certificate can be attached to your quotes and invoices.
Let’s review your decennial insurance
Tell us about your activity, your experience and your projects: Lev Assurances reviews your file, looks for available solutions and, if an insurer accepts, supports you until you receive your certificate.
Frequently asked questions
Does a micro-entrepreneur in construction need decennial insurance?
Yes. The obligation applies whatever your status, as soon as you carry out construction work.
Can I get insured with no history?
Yes, by proving your experience and qualifications: diplomas, employment certificates, references.
When should I take out the policy?
Before your first project starts, and ideally before sending your first quotes, which must include the certificate.
How is the first-year premium calculated?
On the basis of forecast turnover and the declared activities.
How do I start?
Send your project and documents via the quote page or call +33 1 41 81 60 94.
Decennial insurance suited to your trade
Decennial insurance is chosen according to the activities you actually carry out, your experience and your projects. Lev Assurances helps you declare the right activities and understand your contract — Lev Assurances, broker registered with ORIAS no. 24001858, supervised by the ACPR (French Prudential Supervision and Resolution Authority).