Discover our insurance solutions for all sizes of business
Prialys Assurance offers comprehensive coverage for your business, tailored to your specific needs. Whether you are a small SME or a large company, our tailor-made solutions include the protection of your premises, equipment and employees, as well as civil liability. Our flexible offers guarantee optimal security against risks linked to your activity, allowing you to focus on growing your business with complete peace of mind.
Protect your income in case of business cessation with director's unemployment insurance.
Tailor-made protection for all professional risks.
Essential for professionals — covers the movable and immovable assets of a company
Protect your income and secure your future with our comprehensive self-employed provident insurance!
Mortgage Loan Insurance
Mortgage loan insurance: protect both professional and personal loans
A clear level of cover — neither under-dimensioned nor luxury — built into a company health plan for small businesses and SMEs that matches your needs.
Goods Transportation Insurance
Leave with a light mind, come back with peace of mind.
Fleet Vehicle Insurance
To protect your company's vehicles as well as your drivers.
Director's Vehicle Insurance
Drive with peace of mind thanks to our director's vehicle insurance
Protect your data and your IT system against malicious attacks.
FAQ - Everything about business owner insurance
What is business owner insurance?
Business owner insurance combines several types of protection, covering both the business activity and the personal assets of the manager. It can include cover such as civil liability, legal protection, provident insurance and even key-person insurance.
Why should a business owner take out insurance?
A business owner must protect against risks that could affect their activity (accidents, claims) or liability (disputes, professional errors). In addition, some insurance policies are mandatory, such as professional civil liability for certain regulated professions.
What are the most common types of insurance for a business owner?
The main types of insurance include :
- Professional Civil Liability Insurance : covers damage caused to third parties during the company’s activity.
- Provident insurance for self-employed (TNS) : protects the manager against life’s hazards (disability, sick leave).
- Multi-risk professional insurance : covers the premises, equipment and property of the company against various risks (fire, theft, water damage).
- Key Person Insurance : protects the company against the loss of a person essential to its operation.
Is multi-risk professional insurance mandatory?
Insurance multi-risk professional is not legally mandatory for all companies, but it is strongly recommended. It covers risks linked to the business, such as fires, theft, or damage to equipment.
How important is key person insurance for a business owner?
Key person insurance is essential for companies whose success depends heavily on one or more key people (manager, expert, lead salesperson). In case of prolonged absence or death, it enables the business to continue operating by covering financial losses and the costs of recruiting or training a replacement.
What specific protections does professional civil liability insurance offer?
Professional Civil Liability (RC Pro) covers damage caused to third parties in the course of business. This includes :
- Material or bodily damage caused to clients, suppliers or other third parties.
- Errors, omissions or professional misconduct that may lead to claims or disputes.
Is self-employed provident insurance mandatory for a business owner?
Provident insurance is not legally mandatory for self-employed workers (TNS), but it is strongly recommended. It protects the business owner in case of disability, sick leave or death, ensuring income continuity for themselves or their loved ones.
How to choose the best insurance for a business owner?
The choice of insurance depends on several factors, including the nature of the activity, the size of the business and the specific risks to which the owner is exposed. It is advisable to compare offers, check the cover and exclusions, and consult an insurance broker for personalised advice.
What are the steps to take out business owner insurance?
To take out insurance, it is generally necessary to :
- Provide information about the company’s activity, turnover and premises.
- Complete a health questionnaire for certain types of insurance, such as provident or key-person insurance.
- Choose the cover suited to the specific needs of the business.