L’ten-year insurance, a central pillar in the building sector, is a legal obligation for all players in the field in France. For the‘building craftsman in Lyon, It is essential to understand how to increase the coverage of this insurance to improve your financial protection and build customer confidence.
Understand the importance of ten-year insurance
The first step for any tradesman looking to increase their insurance coverage is to understand the importance and scope often-year insurance. This insurance guarantees repair of damage which compromises the solidity of the work or renders it unfit for its use, for a period of ten years from receipt of the work. It is therefore essential security for both the craftsman and his customers.
Assessment of current coverage
Before increasing coverage, it is crucial to evaluate current coverage. This involves carefully reviewing the terms and conditions of the insurance contract, as well as any limitations and exclusions. A building craftsman must identify areas where it may be underinsured. The assessment must take into account the type of work carried out, the cost of materials, the risks specific to Lyon and the potential amounts of claims.
Consultation with an insurance professional
Once the craftsman has a clear idea of his needs, it is recommended to consult an insurance broker or professional advisor. These experts can help identify options available to increase coverage of theten-year insurance. They can also help negotiate more advantageous rates and find insurers specializing in the building sector.
Inclusion of additional guarantees
Increasing the coverage often-year insurance may involve the addition of additional guarantees. For example, the craftsman can opt for a guarantee of perfect completion, which covers defects reported by the client during the year following receipt of the work. Another option may be the biennial warranty, which covers non-construction equipment items for two years.
Regular updating of the insurance contract
Finally, it is essential that the craftsman maintains open communication with his insurer and regularly updates his insurance contract to reflect changes in his activity. This may include adding new services, expanding geographically, or using new construction techniques.
Conclusion
For a building craftsman in Lyon, increase the coverage of its ten-year insurance is not a difficult task. This requires a clear understanding of insurance needs, consultation with insurance professionals, adding additional guarantees and regularly updating the insurance contract. By taking these measures, the craftsman can not only protect himself, but also reassure his customers about the quality and reliability of his work.