Property and casualty insurance

Fire, Accident, Miscellaneous Risks

Property and casualty insurance covers risks relating to corporate property and liabilities. This type of insurance covers everything that is not directly linked to the social protection of individuals, including property damage, business interruption, corporate and executive civil liability, vehicle fleet risks, cyber-security, fraud and more.

At a time when the insurance sector is on the rise, it’s in companies’ interests to analyze their property and casualty insurance needs in detail, so that they can find a solution that takes all their issues into account. With this in mind, we offer companies personalized support.

Answers to your challenges

Covering your company's assets in the event of a claim

IARD stands for “Incendie, Accident et Risques Divers” (Fire, Accident and Miscellaneous Risks): movable and immovable assets are thus covered in the event of fire or accident, but also against theft, flood, unintentional deterioration and deterioration in value caused by economic factors.

Property & Casualty insurance is designed to cover a company’s assets and liabilities. Depending on your activity, these assets fall into several categories:

Premises, inventory and equipment,
Operating losses,
Car fleet,
General civil liability,
Directors’ liability,
Transport,
Cyber and fraud.

In this context, property insurance covers all types of damage to your assets, including those involving the company’s civil liability.

Examine your insurance policies for the right coverage

Insurance policies are designed to protect a company’s balance sheet and ensure its resilience in the event of a claim. That’s why it’s important to review your policies regularly, to ensure that coverage remains in line with the evolution of your business and the risks it entails. This is all the more true in view of the current bull market, which, in addition to increases, has led to numerous restrictions on cover.

The wider the scope of a company’s activities, the more important it will be to examine the coverage of the risks associated with each business line. That’s why we use our independent technical analysis to secure and renegotiate your contracts.

A proven methodology

To analyze your property insurance needs as accurately as possible, our consultants carry out a diagnosis of all your risks and insurance policies. We then make precise, comprehensive recommendations to improve the performance of your insurance contracts. Our methodology is based on 2 key phases.

Phase 1: Diagnosis of your property and casualty insurance policies

Analysis of existing

Phase 1: Diagnosis of your property & casualty insurance coverage

ABefore we tackle the question of your insurance coverage, we take stock of your company, assessing in particular :

Objectives;
The evolution of its activities;
Sales;
Locations;
Its investments;
Mergers and acquisitions.

Setting up insurance policies

We recommend the most advantageous insurance policies for your company, taking into account ..:

retention levels;
insured limits;
sub-limitations;
territoriality;
the insurer's financial strength;
international articulation.

We can also help you set up a captive insurance company

Insurance policy wording

We then advise you on how to improve the wording of your insurance policies: extensions and exclusions of coverage, purchase of exclusions, etc.

Risk indicators

Finally, based on our knowledge of your claims experience, we can help you define and deploy preventive and protective measures, as well as internal procedures such as quality management, business continuity plans and crisis management.

The recommendations made by our insurance experts are not binding. It's up to you to decide and prioritize.

Recommendations

Phase 2: Implementation of recommendations

We offer 3 types of support:

Over-the-counter negotiation with your broker or tenant insurer.

Requesting insurance quotes from your broker

Comprehensive consultation with brokers and insurers.

Our expertise at the service of your P&C insurance strategy

Cristal Decisions’ comprehensive support is designed to provide your company with effective protection, while enhancing the quality of your insurance management. To this end, we help you to :

Assess and quantify your risks by analyzing and reprocessing your claims experience;
create insurance specifications;
Develop an objective vision of the market players who can meet your needs: brokers and insurers alike;
Steering negotiations;
Perform financial analysis of available offers;
Evaluate the quality and relevance of each broker’s service offering;
Monitor the implementation of warranties until they take effect, and ensure that they comply with specifications;
Follow up with your team on a regular basis to ensure their complete satisfaction.

In addition to their training at the Associate in Risk Management (AMRAE modules), our consultants come from the insurance industry. We have no agreements or partnerships with brokers or insurers on the market, a guarantee of our total independence and objectivity.

Find out more about our contribution to the Conseil National des Achats (National Purchasing Council)

As part of our MeoGroup – CNA partnership, we organized a webinar alongside the Parts Holding Europe group. Our expert Mélodie ALVARO and Antoine de NOYER (deputy CFO) shared their vision of the challenges facing the property & casualty insurance market, and gave their testimonials on the project they have been working on together.

What our customers say about us

The availability, responsiveness and perfect knowledge of the insurance market of the people involved were a precious help in the success of this ambitious project.

Julia Godard

Legal Manager at Eminence

Discover all our offers

For all our areas of expertise, we map the services in place, identify your needs and support you in implementing all the levers proposed by our teams and validated by you.

Procurement Performance

We transform and optimise all categories of procurement within your company by considering how to improve the organisation of the supply chain and enhance purchasing processes.