Your professional Ten-Year Civil Liability insurance

Your professional Ten-Year Civil Liability insurance at a glance

Ten-year third-party liability insurance is a highly complex insurance policy that covers the construction or design company (a design office, an installer, etc.) in connection with its work on behalf of the project owner. It starts when the project is handed over and covers it for ten years.
As renewable energy specialists, we have a unique track record and expertise in this market, particularly when it comes to ten-year photovoltaic insurance.

Your ten-year third-party liability cover

Under the French Civil Code, ten-year third-party liability covers all defects that result in a lack of solidity or unfitness for purpose. For example, this insurance can apply if a waterproofing defect occurs after handover, if a fire breaks out as a result of a faulty electrical installation, or if the photovoltaic facility causes damage to the supporting building, making it unusable.

Your questions about ten-year third-party liability

Who should take out ten-year third-party liability insurance?

This insurance must be taken out by the contractor on the day of the declaration of the start of work.
It takes effect on the date of acceptance of the structure and covers it for ten years.

Is ten-year third-party liability insurance mandatory?

Ten-year liability insurance is often mandatory, and the law sets out a list and exceptions.
Failure to take out such insurance may result in civil and criminal penalties. 

Is ten-year liability the same for all companies?

As with all insurance, our Alexis Assurances team will advise and support you and draw up a bespoke policy.
Ten-year third-party liability insurance has a very complex framework and specific features. Prior to your project, we work with you to analyse the key criteria and adapt our approach according to the legal framework of your business: whether or not you are required to take out ten-year third-party liability insurance for your activity; the tasks that may be covered (and those that must be covered); cases where works are not subject to mandatory ten-year insurance, etc.

We help you with all these issues and will quickly guide you towards the most appropriate and secure solution.