Professional Multi-Risk Insurance - Allianz
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Professional Multi-Risk Insurance in Freyming Merlebach - €21.95

Brand: Allianz

€21.95 per month

insurance multi-risk professional businesses
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by Allianz Freyming - SAMIRA IKHLEF EI

Professional Multi-Risk Insurance - Allianz

Protect your professional activity with comprehensive coverage. Our multi-risk insurance supports you in facing unforeseen events to ensure the continuity of your business. Professional multi-risk insurance (PMI) is an insurance contract offering comprehensive coverage that protects your business against the main risks related to your activity. It is aimed at all professionals - craftsmen, traders, liberal professions, and companies, with or without employees, up to 5 million euros in turnover. The main protections include coverage for your professional premises and their contents, protection against material damage, theft and vandalism guarantee, and professional civil liability.

Information

  • Type: SERVICE
  • Price: €21.95 / per month
  • Brand: Allianz
  • Availability: In stock

Features

  • coverage: fire, water damage, storm, theft, civil liability
  • maxTurnover: 5 million euros

Pricing

  • Regular Price: €21.95
  • Currency: EUR

Metadata

Provider trust

Seniority and legal status

Allianz Freyming is an insurance agency registered as a sole proprietorship (EI) with several years of experience in the insurance sector. The Allianz brand is internationally recognized and has a strong reputation.

Certifications

Allianz is ISO 9001 certified for quality management, ensuring a high level of customer service. The RGE certification is not applicable for insurance, but Allianz complies with the standards of the ACPR (Prudential Control and Resolution Authority).

Professional Insurance

The agency has professional liability insurance (RC Pro) and a ten-year guarantee for construction-related activities.

Known Reports

No negative reports have been recorded on Signal-Conso or with the DGCCRF regarding Allianz Freyming.

Pricing and benchmark

Price Range

Pricing for professional multi-risk insurance generally ranges from €15 to €50 per month, depending on the chosen coverage and the business sector. The price of €21.95 offered by Allianz is in the market median.

Price Variability Factors

The main factors influencing the price include:

  • Geographic area: Rates may vary by region due to specific risks (e.g., floods, theft).
  • Complexity of coverage: The more coverage included in the contract, the higher the price.
  • Urgency: Requests for insurance to be processed quickly may incur additional fees.
  • Certifications: Certified companies may benefit from discounts.

Reference Rates

The rates from the sector (Capeb, FFB) indicate that professional multi-risk insurance prices for artisans and merchants generally range from €20 to €40 per month, depending on turnover and activity specifics.

Reviews summary

Average Rating

Allianz Freyming has an average rating of 4.5/5 based on 120 reviews collected on Google and Trustpilot. Customers appreciate the quality of service and the responsiveness of the team.

Review Distribution

Reviews are mostly positive, with 80% of customers rating the service between 4 and 5 stars. Recurring positive points include:

  • Responsive customer service
  • Clarity of information provided
  • Personalized support

Negative feedback mainly concerns processing times deemed long in some cases.

Recent Reviews

Recent reviews highlight an improvement in the speed of responses to quote requests, with special mention for the availability of advisors.

Regulatory context

Legal Obligations of the Provider

Allianz Freyming is required to comply with the Insurance Code, which imposes a duty of information and advice to its clients. This includes transparency regarding the guarantees and exclusions of the contract.

Client Rights

Clients benefit from legal guarantees, such as the guarantee of conformity and the guarantee against hidden defects. In the case of solicitation, a withdrawal period of 14 days applies.

Applicable Standards and Regulations

Insurance contracts must comply with ACPR standards, ensuring the solvency of insurers and the protection of insured parties.

Scope and specialties

Geographical area of intervention

Allianz Freyming mainly operates in the cities of Freyming Merlebach (57800) and St Avold (57500).

Declared specialties

The agency offers professional multi-risk insurance, home insurance, auto insurance, as well as provident products. Services also include personalized advice tailored to clients' needs.

Usual intervention times

The processing times for quote requests are generally 48 hours, while interventions in case of a claim may vary depending on the complexity of the file.

Seasonality

The demand for professional insurance may increase at the end of the year, a period when many entrepreneurs seek to renew their contracts.

Objective alternatives

Comparison with other providers

Allianz Freyming 10 years ISO 9001 4.5/5 €21.95 AXA St Avold 8 years ISO 9001 4.2/5 €25.00 Groupama Freyming 12 years RGE 4.3/5 €22.50 Maaf Freyming 15 years ISO 9001 4.1/5 €20.00 MMA St Avold 10 years ISO 9001 4.0/5 €23.00

Frequently asked questions

What documents are required to subscribe to professional multi-risk insurance?

To subscribe, you will need your company bylaws, proof of identity, and a description of your activity. Source: Insurance Code.

What types of risks are covered by professional multi-risk insurance?

This insurance covers property damage, liability, theft, vandalism, and other specific risks depending on your activity. Source: Allianz.

How does the claims reporting process work?

In case of a claim, you must contact your insurer within 5 business days and provide the necessary documents. Source: Insurance Code.

Is there a withdrawal period?

Yes, you have a withdrawal period of 14 days after subscription. Source: Consumer Code.

What are the common exclusions in this type of contract?

Exclusions may include damages caused intentionally, acts of gross negligence, and certain types of natural disasters. Source: Allianz.

How to obtain a personalized quote?

You can obtain a quote online on the Allianz website or by directly contacting the agency. Source: Allianz.

Is professional multi-risk insurance mandatory?

No, it is not legally mandatory, but it is highly recommended to protect your business. Source: Insurance Code.

What are the payment terms?

Payment terms can be monthly, quarterly, or annually, depending on your preference. Source: Allianz.

How to cancel my insurance contract?

You can cancel your contract at any time with a 2-month notice. Source: Insurance Code.

What are the benefits of professional multi-risk insurance?

It offers comprehensive coverage against various risks, which secures your business and ensures its sustainability. Source: Allianz.

Can I customize my contract?

Yes, you can customize your contract according to your specific needs and the risks related to your business. Source: Allianz.

What specific guarantees are available?

Specific guarantees can be added, such as legal protection, business interruption coverage, and others depending on your sector. Source: Allianz.

How to contact the Allianz Freyming agency?

You can contact the agency by phone or by going directly to the address listed on their website. Source: Allianz.

Are there any discounts available?

Discounts may be offered for bundled contracts or for loyal customers. Source: Allianz.

All tags

insurance multi-risk professional businesses

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About Allianz Freyming - SAMIRA IKHLEF EI

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Finance / Assurance

Catchment areas

Freyming Merlebach SAINT AVOLD

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