HomeBlogWhich companies are subject to compulsory insurance?

    Which companies are subject to compulsory insurance?

    date

    As a company, you must protect yourself from the major risks that you are exposed to in your business. What mandatory insurances are there?

    Should all businesses be insured?

    Not all companies are required to be insured (although it is highly recommended, see below). But it all depends on the situation in the business or profession.

    Indeed, the obligation to have professional insurance may be imposed:

    • in law Code des assurances Livre II: Assurances obligatoires (Articles L200-1 à L271-1),
    • texts regulating activities.

    Therefore, it is very important to find out about the insurance obligations associated with your business or profession.

    Which companies or professions are required to provide insurance?

    The companies or professions covered by the insurance obligation are regulated professions defined in the insurance code or in the texts governing these professions.

    Be careful, many professions are regulated!

    Here are some examples of relevant professions (note that this list is not exhaustive):

    • Medical workers (medical liability insurance). Under the insurance code, health care professionals engaged in preventive, diagnostic, or care activities, as well as manufacturers, operators, and suppliers of health care products, must be insured to ensure their civil or administrative liability resulting from damage.

    Какие компании подлежат обязательному страхованию

    • Lawyers. Lawyers, notaries, bailiffs, legal representatives, auctioneers, etc. are among the regulated professions. Accordingly, they are required to take out insurance.
    • Construction specialists (insurance of construction works, assurance décennale). At the start of any construction, the contractor must prove that he has taken out an insurance policy that covers his liability.
    • Occupations involving motorized land vehicles. Any individual or any company whose liability may be incurred due to the use of a vehicle must be insured.

    But many other professions, such as those associated with tourism, architects and real estate agents, must have compulsory insurance.

    Should a micro-entrepreneur have professional liability insurance?

    As a microentrepreneur, you may need to take out insurance depending on your business.

    When you set up your business, it is important to find out whether your business is regulated and requires you to sign up for certain insurance policies.

    If you carry out a regulated activity, you must take out professional liability insurance.

    Depending on your field of activity, you may also be covered by other compulsory insurance, such as assurance décennale (construction sector) or medical liability insurance (health care).

    Какие компании подлежат обязательному страхованию

    If you use a vehicle in your professional activities, you must take out liability insurance regardless of the use of the vehicle (transporting products or people).

    If nothing in your professional activity obliges you to take out compulsory insurance, it is nevertheless recommended to take out certain types of insurance: professional civil liability insurance, insurance of your premises and your equipment, insurance of your products, etc.

    Source: https://www.economie.gouv.fr/entreprises/assurances-obligatoires#

    https://entreprendre.service-public.fr/vosdroits/F23668

    Useful content? Share with your friends on social networks!
    Olga Rouzade
    Olga Rouzade
    Advisor on business creation and promotion and organization of personal, family finances. I help to create a program of solutions to achieve your financial goals taking into account tax optimization. I consult on issues of business creation and promotion in France.

    Sign up for
    consultation

    Sign up for a consultation and get professional help with your project...

    Related articles:

    Real case: how to open an individual entrepreneurship in France for a French teacher quickly and easily

    How to open a micro-entreprise in France in 7 days? The real story of my client: from collecting documents to registration with SIRET.

    Business Trends in France 2025: Opportunities and Prospects

    Find out how artificial intelligence, ecology and support for local brands are changing the business environment in France by 2025.

    Auto-Entrepreneur Invoice: How to do it?

    How to issue an invoice if you are an Auto-Entrepreneur? Whether you are invoicing an individual or a company, it is important to comply with the rules and legal requirements. This article will help you avoid mistakes and penalties by providing all the information you need about preparing invoices

    How to get your income tax refund in 2025

    Find out how when you calculate your income tax, a credit balance will appear on your tax account in July.

    Business Registration in France - From Photographer to Winner of Wedding Awards 2024

    How a photographer registered a business in France, used our support and became the winner of the Wedding Awards 2024.

    Our services

    Financial protection in case of temporary and permanent disability and loss of a breadwinner

    Avizen Pro is an insurance product specifically designed for self-employed workers, providing reliable financial protection against the consequences of death, disability and/or temporary disability.

    Accident insurance

    Discover the need for accident insurance.

    How to protect your loved ones from loss of autonomy

    The main purpose of the Entour'Age contract is to offer the insured person (and his loved ones) specific solutions when he begins to need constant care. Read more in the article.

    Funeral insurance ESSEN'CIEL

    ESSEN'CIEL lasts a lifetime and ends with the death of the insured, but also in the event of termination or complete abandonment of the contract. Find out the details.
    More articles on the topic:

    Widow's benefit and survivor's pension - your support in difficult times

    Losing a loved one is a difficult experience. We offer detailed guidance on claiming widowhood and survivor benefits to help you through this difficult period. Find out about the required documents, conditions and application procedure.

    How to report death to the tax office?

    Reporting the death of a loved one to the tax authorities is an important formality. Find out how to report a death to the IRS, who is responsible for paying taxes after death, and what deadlines must be met to avoid penalties.

    Financial protection in case of temporary and permanent disability and loss of a breadwinner

    Avizen Pro is an insurance product specifically designed for self-employed workers, providing reliable financial protection against the consequences of death, disability and/or temporary disability.
    en_USEnglish