Allianz

ProfilPro

Multi-risk insurance for the property and liabilities of Professionals

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.
• The Specific Provisions that adapt the contract to your personal situation and specify in particular the guarantees, extensions, options, and deductibles you have chosen.
• Possibly, annexes mentioned in the Specific Provisions defining specific guarantees.

The Specific Provisions and annexes prevail over the General Provisions in case of contradiction between them.
The Specific Provisions prevail over the annexes in case of contradiction between them.

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 4
• Your property damage guarantees------------------------------------------------------------------------ 5
  • I. The insured events 5
  • II. Financial losses and additional expenses 22
• Your financial protection guarantees ------------------------------------------------------------------------- 25
  • I. Business interruption 25
  • II. Loss of the market value of your business 26
  • III. Activity Stop guarantee 27
• Your civil liability guarantees ---------------------------------------------------------------------- 28
  • I. Civil liability for fire/water damage 28
  • II. Civil liability of the business owner 28
  • III. Defense of your civil interests 38
• Your criminal defense and recourse following an accident ----------------------------------------------- 39
• Assistance --------------------------------------------------------------------------------------------------------------------------- 40
  • I. Definitions 40
  • II. Your assistance services after a claim 40
  • III. Your assistance services outside of a claim 43
  • IV. Conditions 44
  • V. Exclusions 46
  • VI. Territoriality and duration 46
  • VII. Claims 46
  • VIII. Protection of personal data 47
  • IX. Prescription 47
• General exclusions ---------------------------------------------------------------------------------------------- 48
• The life of the contract -------------------------------------------------------------------------------------------------------------- 52
  • I. Law applicable to the insurance contract 52
  • II. International sanctions 52
  • III. The conclusion, duration, and termination of the contract 53
  • IV. Your declarations 55
  • V. The declaration of your other insurances 56
  • VI. The premium 56
  • VII. Prescription 57
  • VIII. E-Courier Service 58
  • IX. Miscellaneous provisions 60
  • X. Also note 61
• Provisions in case of a claim ----------------------------------------------------------------------------- 65
  • I. Your obligations in case of a claim 65
  • II. The terms of intervention of civil liability guarantees 66
  • III. Damage assessment 67
  • IV. Compensation terms 67
  • V. Salvage 71
  • VI. Payment deadlines 71
  • VII. Our rights after compensation (subrogation) 71
• The geographical and temporal extent of your guarantees -------------------------- 72
  • I. Geographical extent 72
  • II. Moving insurance 73
  • III. Duration 73
• Summary table of guarantee amounts and deductibles-------------- 75
• Definitions of mechanical protection means and intrusion detection systems ------------------------------------------------------------------------------------------------------ 80
  • I. Definition of mechanical protection means by levels 80
  • II. Definition of intrusion detection systems 82
• Clauses adapting to specific cases ----------------------------------------------------- 84
  • I. Common clauses for property damage and civil liability 84
  • II. Property damage clauses 84
  • III. Business owner civil liability clauses 85
  • IV. Clauses specific to certain activities 91
  • V. Prevention clauses 104
• Annex I: Information sheet regarding the functioning of civil liability guarantees over time ------------------------------------------------------------------------- 107
• Annex to Article A112 of the Insurance Code 107
• Understanding the terms 107
• Annex II: Confidentiality declaration of Fragonard Assurances --------- 110
• Glossary -------------------------------------------------------------------------------------------------------------------------------- 113

YOUR INSURED PROPERTY

I. Your professional premises

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

• the main buildings or parts of buildings, their dependencies, including covered terraces,
• rigid modular constructions and structures,
• private energy production installations, solar panels (including photovoltaic), fixed to the insured buildings,
• real estate installations and improvements,
• premises that you occupy for private use with an area of 50 m² or less,
• premises with an area of 300 m² or less of which you are the owner or tenant if you own shares or stocks in the owning company, and that you rent out.

Along with the buildings, the following external properties are 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 satellites fixed on a building,
• tanks, cisterns, and reservoirs, fixed (buried or not), as well as their conduits and pipelines, 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 real estate installations and improvements carried out by yourself 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.

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