Protect your business with RC Pro tailored to your risks
A mistake in advice, an omission or damage caused to a client can put your revenue at risk. LEV Assurances secures your business with fully tailored professional civil liability insurance.
What is professional civil liability (RC Pro)?
RC Pro covers damage your activity may cause to clients or third parties: error, fault, negligence or failure to provide proper advice. Without insurance, your company must bear the financial consequences alone.
Bodily injury
Physical harm to a client, third party or employee in the course of your business.
Property damage
Breakage, deterioration or loss of goods entrusted to you, equipment, or premises at a client’s site.
Consequential loss
Loss of revenue, delays in service delivery, lost data, or consequential financial loss.
Who should take out RC Pro insurance?
RC Pro concerns most service, consulting, construction, retail and digital activities. It is sometimes legally mandatory or contractually required by your clients.
Service professions
Consultants, coaches, trainers, communication agencies, IT freelancers, B2B service providers.
Trades & construction
Works contractors and tradespeople, often with compulsory decennial insurance as a complement.
Liberal professions
Advisory, legal, accounting or healthcare professions, depending on applicable regulations.
Retailers & e-commerce
Product sales in store or online, associated advice, conformity guarantees and after-sales service.
Self-employed & micro-entrepreneurs
Protecting your business and personal assets from your very first client.
Microbusinesses & SMEs
Growing businesses, structured teams and framework agreements with major accounts.
What does your RC Pro insurance with LEV Assurances cover?
Your policy can combine several components: professional liability, general (operational) liability, legal protection, as well as construction guarantees, commercial auto or cover for your business assets.
Professional liability
Fault, omission, bad advice or poor performance of a service that causes loss or damage to your client.
General / operational liability
Damage caused to a third party in the normal course of business – at your premises, on site, at trade fairs, during visits, etc.
Legal protection
Support in case of disputes, coverage of defence costs and assistance with legal procedures.
Decennial insurance
For construction professionals: major defects affecting the stability or fitness for purpose of a structure for 10 years.
Commercial auto
Company vehicles (cars, vans, trucks) for damage caused to others or sustained by the vehicles themselves.
Property & premises
Optional cover for your offices, warehouses, professional equipment, stock or goods.
How to choose the right RC Pro policy?
LEV Assurances analyses your activity, compares market offers and helps you balance cover, limits and budget to find the best solution.
1. Your activity
Type of services (advisory, execution, manufacturing), nature of risks and exposure to financial losses.
2. Company profile
Legal structure, turnover, workforce, private or corporate clients, business in France or internationally.
3. Cover & limits
Levels of cover, deductibles, exclusions, options (legal protection, worldwide extension, general liability, etc.).
4. Negotiated premiums
Comparison of several partner insurers and search for the best cover-to-price ratio.
“LEV Assurances helped us clearly understand the differences between RC Pro, operational liability and decennial cover. We obtained a certificate quickly to meet our key accounts’ requirements.”
The story of an entrepreneur and his professional civil liability
Here is how the owner of an SME almost learnt the hard way just how important professional civil liability and good insurance are for protecting his companies, his clients and his employees.
An entrepreneur running a small business providing services to other companies one day set out to find the proper definition of professional civil liability. In his professional environment, he knew that a simple mistake could have serious consequences for his clients, his employees and even for victims of a car accident on a job site. He vaguely understood there was a risk, but he still did not fully grasp the scale of the risks professionals like him face every day.
His insurer then presented him with a clear insurance offer: a single policy bringing together all the essential covers, from standard civil liability to guarantees specific to his line of work. The insurer explained that insurance is compulsory for some professions and that, even where there is no legal obligation, professional civil liability insurance is strongly recommended to limit the impact of a claim on the company’s cash flow. The slightest risk that was not properly anticipated – the slightest failure in advice – could turn into an expensive legal action brought by victims.
Before taking out cover, the entrepreneur requested a detailed quote, with each deductible clearly explained, so he could understand the effect of each option on the final premium. He compared his insurer’s offer with other quotes, checked the covers and each deductible line by line, and tailored the policy to his activity and corporate clients. In fact, without such a policy, a single claim from victims could have shut his business down.
Like many entrepreneurs, he discovered that his SME was already working with major accounts that required proof that he had taken out adequate insurance for the risks faced by their partner companies. In this context, the right insurance policy – with well-chosen guarantees, a controlled premium and a coherent deductible – became both a commercial asset and a form of protection. Professionals who had already taken out this type of cover knew that in the event of a claim, the consequences would be contained: the insurer would compensate the victims according to the policy, and the entrepreneur would be able to continue developing his projects.
This story reminds all professionals and entrepreneurs that liability, whether civil or professional, is far from an abstract notion: behind every guarantee, every obligation, every quote and every premium lies the safety of a business, an SME, its employees, its clients and all potential victims of poorly covered risks.
We find the best offers on the market based on your activity and your professional obligations.
FAQ – Professional Civil Liability Insurance (RC Pro)
In some sectors (healthcare, law, finance, construction, real estate, etc.), RC Pro is legally mandatory. Even when it is not, it remains strongly recommended to protect your company against claims with significant financial consequences.
RC Pro covers damage linked to your professional services (bad advice, professional fault, omission). General or operational liability covers damage caused to a third party in the everyday running of your business (accidents on your premises, job sites, trade shows, client visits, etc.).
If you work in construction, decennial insurance is often compulsory and complements RC Pro. RC Pro covers faults in the performance of your services, while decennial insurance covers certain major defects affecting the structure for 10 years after completion.
Once your policy is in place, your insurer or your LEV Assurances broker will issue your RC Pro certificate. This document is often required by your clients, major accounts or certain public authorities in tender processes.
Yes, some policies provide Europe-wide or worldwide cover. If you work with international clients, it is essential to check the territorial scope of cover and any excluded countries with your broker.