Decennial insurance cost: what affects the premium
There is no single price for decennial insurance: the premium depends on your trade, your turnover, your experience and your history. Lev Assurances explains the criteria and compares offers for your situation.
- Pricing criteria explained
- Several contracts compared
- No figure promised without a review
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Main pricing criteria
- Declared activities
- Turnover
- Experience and qualifications
- Claims history
- Excess and limits chosen
How the price of decennial insurance is calculated
The first criterion is the activity. Trades affecting the structure or waterproofing (structural work, roofing, waterproofing) are more exposed than others. Declaring your activities precisely means you are properly covered without paying for risks you do not take. See covered activities and exclusions.
The premium is often based on turnover (or an estimate for a new business), sometimes with an annual minimum. Your experience, qualifications and claims history also count: an experienced professional with no claims generally obtains better terms.
The excess, the limits and additional covers (professional liability included or not, entrusted property) change the price. A low premium may hide significant exclusions: always compare covered activities and limits, not just the price.
Particular situations, such as starting a business, cancellation by a previous insurer or no insurance history, also affect the offer. Lev Assurances reviews your file before presenting proposals.
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.
Decennial insurance for a new business
Getting insured before your first job when you start out.
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
How much does decennial insurance cost?
There is no single price: the premium depends on the activity, turnover, experience and claims history. Only a review of your file gives you a price.
Is decennial insurance based on turnover?
Often, yes, sometimes with a minimum premium. For a new business, a forecast turnover is used.
How can I pay less?
Declare only the activities you actually carry out, highlight your experience and qualifications, and compare excesses and limits.
Is a very low price a good sign?
Not necessarily: check the covered activities, exclusions and limits before comparing premiums.
How do I get a price?
Send your activities, turnover and previous certificates 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).