Allianz

Pro Asset

Multi-risk insurance for property and liabilities

Service providers and liberal professions

GENERAL PROVISIONS

Thank you for your trust.
Your contract consists of:

• These General Provisions which group together all the common rules applicable to all contracts; they define the nature and extent of your guarantees, as well as the amounts of guarantees and deductibles. They also include a glossary grouping the definitions of a number of terms essential for the proper understanding of the contract.
• Special Provisions that adapt the contract to your personal situation and specify in particular the guarantees, extensions, options, and deductibles you have chosen.
• Possibly, appendices referred to in the Special Provisions defining specific guarantees.

The Special Provisions and appendices prevail over the General Provisions in case of contradiction between them.
The Special Provisions prevail over the appendices in case of contradiction between them.
For more information about our products, you can visit our website: www.allianz.fr where you will find, in particular, numerical examples of the coverage of certain claims that are compensated by reference to rates or percentages.

Key Points

Good to know
To facilitate your reading, this pictogram will help you identify useful information.

Table of Contents

• Your insured property ------------------------------------------------------------------------------------------------------------- 3
  • I. Your professional premises 3
  • II. The contents of your professional premises 3
• Your property damage guarantees ----------------------------------------------------------------------- 5
  • I. Guaranteed events 5
  • II. Financial losses and additional costs 21
• Your financial protection guarantees ------------------------------------------------------------------------- 24
  • I. Loss of earnings 24
  • II. Additional operating expenses only 25
  • III. Loss of the market value of your business 26
  • IV. Business activity stop 26
• Your civil liability guarantees ---------------------------------------------------------------------- 28
  • I. Civil liability for fire/water damage 28
  • II. Civil liabilities arising from your professional activity 28
  • III. Defense of your civil interests 39
• Your criminal defense and recourse following an accident ---------------------------------------------- 40
• Assistance -------------------------------------------------------------------------------------------------------------------------- 41
  • I. Definitions 41
  • II. Your assistance services after a claim 42
  • III. Your assistance services outside of claims 44
  • IV. Conditions 45
  • V. Exclusions 46
  • VI. Territoriality and duration 47
  • VII. Claims examination procedures 47
  • VIII. Protection of personal data 47
  • IX. Limitation period 47
• Personal accidents --------------------------------------------------------------------------------------------------------- 48
• General exclusions ---------------------------------------------------------------------------------------------- 50
• The life of the contract -------------------------------------------------------------------------------------------------------------- 55
  • I. Applicable law to the insurance contract 55
  • II. International sanctions 55
  • III. Conclusion, duration, and termination of the contract 56
  • IV. Your declarations 58
  • V. Declaration of your other insurances 59
  • VI. Your premium 59
  • VII. The limitation period 60
  • VIII. E-mail service 62
  • IX. Miscellaneous provisions 63
  • X. Also note 64
• Provisions in case of a claim ---------------------------------------------------------------------------- 68
  • I. Your obligations in case of a claim 68
  • II. The intervention procedures of civil liability guarantees 70
  • III. Damage assessment 70
  • IV. Compensation procedures 70
  • V. Salvage 74
  • VI. Payment deadlines 74
  • VII. Subrogation 75
• The geographical and temporal scope of your guarantees ------------------------- 76
  • I. The geographical scope 76
  • II. Moving insurance 77
  • III. Duration 77
• Summary table of guarantee amounts and deductibles ------------ 79
• Definition of mechanical protection means and intrusion detection system ------------------------------------------------------------------------------------------------ 84
  • I. Definition of mechanical protection means 84
  • II. Definition of Intrusion Detection Systems (IDS) 85
• Adaptation clauses for specific cases ----------------------------------------------------- 86
  • I. Common clauses for property damage and civil liability 86
  • II. Property damage clauses 86
  • III. Civil liability clauses 87
  • IV. Clauses specific to certain activities 89
• Appendix I: Information sheet on the functioning of civil liability guarantees over time -------------------------------------------------------------------- 130
• Appendix II: Confidentiality declaration of Fragonard Assurances -------- 133
• Glossary -------------------------------------------------------------------------------------------------------------------------------- 136

YOUR INSURED PROPERTY

I. Your professional premises

These are the premises of which you are (co)owner at the address indicated in the Special Provisions and in which you carry out your professional activity, namely:

• the main buildings or parts of buildings and their dependencies,
• rigid modular constructions or structures,
• private energy production installations, solar panels (including photovoltaic) fixed to the insured building,
• real estate installations and developments,
• the premises you occupy for private use with an area of less than or equal to 50 m².

Along with the buildings, the following external property is also insured:

• the walls of fences or enclosures, hard access gates,
• retaining walls essential for the stability of the buildings,
• terraces adjacent to your buildings as well as their stairs,
• antennas and satellite dishes fixed on a building,
• tanks, vats, and cisterns, fixed (buried or not), as well as their pipes and conduits, and compliant with regulations on the storage of flammable liquids and gases.

If you are a co-owner, the building includes the private part that belongs to you and your share in the common areas.
If you are a tenant, we guarantee:

• your civil liability regarding these properties under the conditions provided for in the civil liability guarantee for fire/water damage below,
• the installations and real estate developments executed by you as a tenant (or other non-owner occupant) or taken over with the current lease as long as they have not become the property of the landlord.

In case of subscription to the