Tailored cover for every line of business
Whether you run your own company, work as a tradesperson or practise as a self-employed professional, Prialys builds business insurance around what you actually do. Our policies cover professional liability, your premises, your equipment and your staff, together with the specific guarantees your sector calls for. The result is complete, flexible protection so you can get on with the job, whatever comes your way.
Compulsory décennale cover for building trades and sole traders.
Tailored protection against the everyday risks of running a business.
Income Protection for the Self-Employed
Safeguard your income and secure your future with comprehensive prévoyance TNS cover.
Business Health Cover
Private health cover designed around the needs of a business owner — and your whole family is protected too.
Legal Expenses Cover
Protect yourself and your business by taking out legal expenses insurance.
Machinery Breakdown Cover
Machinery breakdown insurance matched to the equipment you depend on.
Landlord Insurance (PNO)
Insure your rental and investment property with cover built for professionals.
Protect your building project with dommages-ouvrage guarantees designed for professionals.
Goods in Transit
Set off with a clear head, come back with peace of mind.
Company Director’s Vehicle Cover
Drive with complete peace of mind thanks to our cover for directors’ vehicles.
Commercial Premises Insurance
Essential cover for the buildings and contents your business relies on.
Protect your data and your IT systems against malicious attacks.
The trades and sectors we cover
We arrange tailored business insurance for a wide range of trades and industries. Whether you are self-employed, a tradesperson, a shopkeeper, or you run a small business or a large company, our policies cover more than 100 different activities across a broad spread of sectors.
Property & Real Estate
Trades & Craftspeople
Wellbeing & Beauty
Healthcare
Sport & Fitness
Tourism & Hospitality
Home & Personal Services
IT & Technology
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What is business insurance?
Business insurance is a set of covers designed to protect companies and self-employed people against the risks that come with their work. It can include professional liability, along with protection for your premises, your assets and your employees.
Why take out business insurance?
Business insurance protects your activity against the many things that can go wrong — mistakes, accidents, disputes — any of which could leave you liable to clients, suppliers or staff. In some sectors it is also a legal requirement.
Which types of insurance are compulsory in France?
It depends on your trade. Professional liability cover is mandatory for regulated professions such as doctors, lawyers and architects, and ten-year structural cover (décennale) is compulsory throughout the construction industry.
What does professional liability insurance cover?
It covers physical injury, damage to property and financial loss caused to third parties in the course of your work. In practice, it protects you when a client brings a claim over an error, an omission or professional negligence.
What cover do you recommend for a small business?
For a small or medium-sized business, we would normally recommend:
- Professional liability to protect you against third-party claims.
- Combined business insurance to cover your premises, equipment and stock.
- Key person cover to offset the loss of someone the business cannot easily replace.
- Cyber risk cover to protect you against cyberattacks and data breaches.
Does business insurance cover freelancers and the self-employed?
Yes. Freelancers and self-employed workers can take out cover tailored to what they do. It protects them against disputes with clients and against damage caused to third parties in the course of their profession.
What is combined business insurance (multirisque professionnelle)?
A multirisque professionnelle policy bundles several guarantees into a single contract. It covers damage to your premises and equipment, business interruption losses, and professional liability all at once.
What should I do if I need to make a claim?
Contact your insurer as soon as you possibly can. You will need to give a detailed account of what happened, together with supporting evidence such as photographs and witness statements, so that your claim can be assessed.