Construction and trades
Electricians, masons, plumbers, roofers... Whether you're a tradesperson or a construction company, your profession exposes you to specific risks. With Atouts Pro, we can help you protect your business.
All the essential insurance cover for your activity in one single policy.
🏗️ Protecting your premises
As a construction professional, your premises are particularly exposed to risks because of their diversity: workshops, warehouses or administrative offices.
Fire: Following a short-circuit in the electrical installation, a fire breaks out in a metal workshop. The potential for damage is considerable. We cover the costs of refitting the premises and replacing the equipment.
🧰 Protecting your property
Using expensive tools and equipment (machine tools, power tools, construction equipment) implies expensive repair or replacement costs in the event of a claim.
Electrical damage: a machine is damaged by a short-circuit, etc. We cover the cost of repair or replacement.
🧱 Protecting your liability
Being a tradesperson means taking risks on a daily basis, because an accident can happen at any time, both in the course of the work and after delivery.
🪛 Business liability: covers damage caused to third parties in the course of your professional activity, particularly when performing works.
You’re a plumber and, while carrying out repairs, you damage a piece of furniture and flooring at a customer's home. We will cover the cost of repairing or replacing the damage caused.
🪛 Post-delivery liability: covers a loss resulting from goods/services sold and delivered by the firm.
3 days after installing a boiler at your customer's premises, it explodes due to a faulty connection. Several people are injured and the boiler room is completely destroyed. This damage is covered by the post-delivery liability insurance policy you’ve taken out.
🥷 Protect yourself against theft and vandalism
A storage warehouse is broken into and scaffolding and power tools are stolen. We reimburse the stolen goods and cover the cost of guarding the premises (reinforced doors, installation of an alarm system).
💻 Protect your computer and electronic equipment
A mechanical workshop's access management system breaks down following a motherboard failure. We cover the cost of computer equipment and data recovery, as well as the cost of hiring temporary equipment.
Choosing AXA to insure your business means building a relationship of trust with a prevention insurer.
As a professional in the trade and construction industries, we recommend that you:
⛓️ Install safety fencing: fencing around the site to prevent unauthorised access and protect the materials.
🔦 Keep the site lit: including floodlights to deter intruders at night and improve visibility.
🔒 Use sturdy padlocks: to lock up expensive equipment and materials when the site is closed.
♻️ Set up a waste management system: use of waste skips fitted with watertight lids to avoid fumes and the risk of fire or explosion.
You can take out your professional insurance directly with your AXA intermediary, who is closest to you and your business.
A modular offer that adapts to your business and your insurance needs.
- Comprehensive theft coverage and various options to suit your business.
- Financial protection with two coverage options to enable you to continue your business in the event of a setback.
What our policyholders have to say...
“As a self-employed plumber, I strive to provide my customers with a quality service. Recently, I came across a tricky situation after completing work on a house. Unfortunately, a few days after my visit, a leak caused damage to the property. I was very worried, as this could have damaged my reputation and my business. Fortunately, I was covered by AXA's civil liability insurance. As soon as I contacted their team, they were incredibly responsive and understanding. They took care of the necessary formalities and helped me to manage the situation with the owner. Thanks to their support, I was able to resolve the problem quickly and without financial stress. Being insured by AXA not only protected me, but also allowed me to continue working with peace of mind.”
