Multi-risk insurance in France: business, industrial and home
Multi-risk insurance combines several covers in a single contract to protect assets, premises, liabilities and business risks. Needs differ for a company, a self-employed professional, an owner or an occupied home.
- Professionals and companies
- Home and property
- Covers tailored to the contract
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Covers commonly reviewed
- Fire and explosion
- Water damage
- Theft and vandalism
- Machinery breakdown
- Business interruption
- Civil liability
Business, industrial or home: different needs
Business multi-risk insurance brings together several useful protections: business premises, equipment, property damage and certain liabilities, depending on the covers chosen. Our business multi-risk insurance is designed in particular for self-employed healthcare professionals, whose needs are reviewed according to their practice.
Industrial multi-risk insurance is for companies whose buildings, equipment, stock or processes call for a closer analysis. With industrial multi-risk insurance, covers such as fire, water damage, theft, machinery breakdown or business interruption are reviewed according to the contract.
For individuals, home insurance is also a multi-risk policy: it covers the home, contents and the occupants’ liability. Covers and exclusions are checked according to the home, the occupant’s status and the level of protection sought.
A landlord must review the risks that remain when they do not live in the property. Non-occupant owner insurance meets this need, while unpaid rent cover and building liability address other risks (see our property insurance page). The aim is to coordinate contracts according to the property and its use.
Multi-risk and related property solutions
Business multi-risk
A contract combining covers for business premises, equipment and certain liabilities.
Industrial multi-risk
Protection of a company’s buildings, equipment, stock and operating risks.
Home insurance
Cover for the home, its contents and the occupants’ liability, depending on the covers chosen.
Non-occupant owner insurance
Landlord insurance (PNO) protects the owner of a property that is let, vacant or occupied by a third party.
Unpaid rent insurance
A cover that helps the landlord secure rental income, under the terms of the contract.
Building liability: owner and managing agent
The liability linked to owning a building or its management by a managing agent.
How to choose multi-risk insurance
List the assets to protect
Premises, home, equipment, machinery or contents: start by specifying what needs insuring.
Assess the main risks
Fire, water damage, theft, machinery breakdown or business interruption are reviewed for your situation.
Compare the covers
Limits, excesses, exclusions and claims conditions are reviewed before signing.
Coordinate your contracts
Multi-risk cover complements your other contracts (liability, landlord, unpaid rent) without overlap.
Review your multi-risk insurance
Want to protect business premises, a business, a home or property assets? Tell us about your situation: the firm will review the covers to consider.
Frequently asked questions
What is multi-risk insurance?
A contract that combines several covers to protect assets, premises and, depending on the contract, certain liabilities or losses following a claim.
What is the difference between business and industrial multi-risk?
Business multi-risk is for service activities and liberal professions. Industrial multi-risk meets the needs of sites, equipment and industrial risks.
Are fire and water damage covered?
They are commonly included, but their scope and claims conditions always depend on the contract.
Are theft and machinery breakdown covered automatically?
No. These covers must be checked in the contract terms; they may depend on the insured assets and the security measures required.
Is business interruption included?
Not automatically. Business interruption is often an option that compensates for lost activity after a covered claim, within the contract limits.
How do I request a quote?
Describe your premises, your business and your current contracts on the quote page, or call +33 1 41 81 60 94.
Multi-risk cover suited to the insured assets
Multi-risk insurance is reviewed according to the assets to protect, the activity, the risks identified and existing contracts. Lev Assurances helps you choose the relevant covers — Lev Assurances, broker registered with ORIAS no. 24001858, supervised by the ACPR (French Prudential Supervision and Resolution Authority).