At About usCommercial wework together for yoursuccess, preparing you forwhat’s ahead.
About usCommercial in France
At About usCommercial wework together for yoursuccess, preparing you forwhat’s ahead.
Meet the Management team
About usCommercial offerings in France
Please see the policy wording for further details.
Corporate & Specialty SE (AGCS)
Alternative Risk Transfer
Corporate & Specialty SE (AGCS)
Airlines Insurance
Corporate & Specialty SE (AGCS)
General Aviation Insurance
Corporate & Specialty SE (AGCS)
Aerospace Insurance
About usFrance
Commercial Accident
Corporate & Specialty SE (AGCS)
Cyber Insurance |
Large businesses
About usFrance
Cyber Insurance |
Mid-sized businesses
Corporate & Specialty SE (AGCS)
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About usFrance
Events Insurance
Corporate & Specialty SE (AGCS)
Directors & Officers (D&O)
Insurance | Large businesses
About usFrance
Directors & Officers (D&O)
Insurance | Mid-sized businesses
Corporate & Specialty SE (AGCS)
Financial InstitutionsInsurance
About usFrance
Art Insurance
About usFrance
Fleet
Insurance
About usFrance
Private Vehicle Insurance for professional use
Corporate & Specialty SE (AGCS)
General Liability
Insurance | Large businesses
About usFrance
General Liability
Insurance | Mid-sized businesses
There are many different situations and different solutions to protect your business and assets in all circumstances.
Corporate & Specialty SE (AGCS)
Environmental Liability Insurance | Large businesses
About usFrance
Environmental Liability Insurance | Mid-sized businesses
Corporate & Specialty SE (AGCS)
Marine Hull and LiabilityInsurance
Corporate & Specialty SE (AGCS)
Marine Cargo
Insurance
About usFrance
Cargo and Transport Liability Insurance for SMC
Corporate & Specialty SE (AGCS)
Natural Resources & Construction
Insurance | Large businesses
About usFrance
Construction
Insurance | Mid-sized businesses
About usFrance
Renewables
Insurance | Mid-sized businesses
Corporate & Specialty SE (AGCS)
Property
Insurance | Large businesses
About usFrance
Property
Insurance | Mid-sized businesses
Corporate & Specialty SE (AGCS)
Political Violence and Terrorism Insurance
About usFrance
Machinery breakdown | Mid-sized businesses
About usFrance
Wine & Spirits Industry Insurance
Trade credit insurance and surety bonds
About usCommercialis part of one of the world's strongest financial services groups and the.When you partner with us, you partner with About usGroup — and its sister companies.
ThroughAbout usTrade, we offer a comprehensive range of solutions for managing commercial credits between companies. About usTrade is the global leader in trade credit insurance and a recognized specialist in the areas of surety, debt collection, fraud insurance, structured trade credit and political risk.
About usTrade gives companies the confidence to trade, and be paid: They compensate your company in the event of a bad debt, but more importantly, they help you avoid bad debts in the first place.
Whenever About usTrade provides trade credit insurance, surety bonds or other finance solutions, the priority is on predictive protection. Its international surveillance network monitors and analyzes the financial stability of 83 million companies across all sectors in 160+ countries. And when the unexpected happens, their AA credit rating (Standard and Poor’s) means they have the resources to provide compensation to maintain your business.
Risk appetite for large corporate risks in France
The products and services described on this page may not be available in all locations. This is for your general information only.
Actively Growing
Structured multi-year/multi-line solutions
- Address gaps caused by non-availability of traditional cover, e.g. Commercial Auto,
- Property, D&O
- Often contain elements of risk financing/profit sharing, for clients who want to retain risk,
- but still need to manage volatility
- Bespoke solutions that manage risk in an integrated way across lines and years
- Long term arrangements, but able to adapt as needs change
Captive Solutions
- Multi-line and multi-year global fronting as a stand-alone service
- Structured per event and aggregate excess of loss captive reinsurance
Virtual Captive Solutions
- Insurance framework designed to create the economic benefits of a captive, when anactual captive is not a viable option
Coverage
- Broad range of P&C lines of business or a combination thereof: from annual single line captive stop loss through to multi-line, multi-year insurance and reinsurance solutions.
- Can include both traditional and non-traditional elements, including parametric triggers.
- Global Fronting capability expands across 200+ countries and on a multi-line and multi- year basis, if needed.
- Transactions up to 5 years tenure.
- Capacity typically €25mn per occurrence, €50mn per annum (or equivalent in other currency), but can be lower or higher depending on structure.
- Risk Financing structures work best where traditional RoL > 10% and/or when the cost of combined average claims in the long term is significantly lower than the equivalent external premium spend
Restricted
- Reinsurance for insurance companies
- Financial risks coverage; e.g. mortgage portfolios, capital relief
- Unmitigated credit risks
- Life insurance
- Business and systematic risks
Growth Focus
- Airlines (underwritten from London desk)
- New business (especially as Lead)
- Start-up airlines
- Broad appetite to grow across portfolio
- General Aviation
- Lead as well as co-insurance business
- Commercial fixed and rotor wing
- Industrial Aid
- Broad appetite to grow across portfolio
- Middle East region in geographical scope
- Drones (geographical scope Europe / French wordings only)
Coverage & Capacity
Airlines: Average target line 10% (12% in US for lead Business)
General Aviation: US$ 150m (Liabilities), US$ 75m (Hulls)
Restrictions
Airlines: Banks and Lessors Contingent; Hull Deductible; and Hull War
General Aviation:Hi/Lo business (except Canada); Agriculture; Stand Alone Hull War
Actively Growing
- Pharmaceutical
- Medical Device
Coverage
- Indemnity to the insured as “trial sponsor”, including pharmaceutical companies and contract research organisations
- Liability for injury to a trial participant, including no-fault compensation where required
- Coverage can be provided for the full length of the trial
- Fully admitted policies in each territory in local language
- Compliance with the local level of cover in all territories
Capacity
- Up to €50m for Multi-Center Trials
Cautious
- Trials involving pregnant Women
- Xenotransplants
- Gene Therapy
- Cell Therapy
- Pure surgical procedures (where no drugs nor medical devices are tested)
- Trials involving the deliberate transmission of infectious agents to participants
Actively Growing
- From smaller to large size companies with international subsidiaries
- Offering across all Industries for both private and public companies
- Primary and excess positions
- Broad product offering including standalone EPL, POSI and Crime solutions
Coverage & Capacity
- Directors and Officers Liability inclusive of Side A; up to €20m
- Employment Practices Liability (EPL);up to €10m
- Prospectus Liability (POSI);up to €10m
- Crime;up to €5m
Cautious
- Standalone POSI
- SPACs
Appetite
EAR/CAR - Course of Construction
- Annual Policies / Open Covers (Contractors, Owners / Principals)
- Civil Engineering projects
- Buildings
- Manufacturing plants (all industries)
- Oil & Gas (excluding Oil Sands)
- Mine development (excluding termal coal)
- Conventional Power (excluding coal)
- Renewable energy (Onshore Wind, PV, Hydrogen)
CECR
- Civil Engineering structures
IDI
- Commercial IDI
Limited
- Coverages
- High Nat Cat areas (single risks and accumulation with open covers)
- High DSU exposures
- Unproven technologies
- Occupancies
- Waste to Energy
- Biomass
- Hydro Power
- Underground mine development
- Timber / Wood frame construction
No appetite
- EAR/CAR - Course of Construction
- Coal
- Oil Sands
- Geothermal power plants
- Solar Thermal power plants
IDI
- Residential IDI
Coverage & Capacity
- EAR/CAR - Course of Construction; up to €200m
- Single Projects, Annual Policies/ Open Covers including TPL, CPE, DSU
- CECR / Operational Infrastructures (combined with CAR); up to €200m
- Inherent Defect Insurance (combined with CAR); up to €25m
- Inherent Defect Insurance
Actively Growing
- Selective growth appetite across virtually all industries, but with focus on per-account risk quality.
- Preference for excess positions.
Coverage & Capacity
- Primary stand-alone Cyber; up to €10m
- Excess Cyber; up to €10/15m
- Technology PI; up to €10m
- Media PI; up to €10m
Restricted
- Cryptocurrency
- Payment processors
- Pay day loan companies
- Air traffic controllers
- Adult entertainment
- Online gambling
- Central reserve banks
Appetite
- Offshore Energy
- Oil and Gas E&P assets
- FPSOs
- Offshore Wind
Onshore Energy
- Refining and Petrochemical assets
- LNG processing
- Chemical Fertiliser Plants
- Renewables
- Wind
- Solar PV
- Hydrogen
- Hydro
- Carbon Capture
- Conventional Power Plants
- Mining
Restricted/Limited appetite
- Thermal Coal
- Mine Tailings Dams
- Underground Mining
- Tar Sands
- Waste to Energy
- Geothermal
- Solar Thermal
- Stand-alone fracking
- Stand-alone drilling and land-rigs
Coverage
- Offshore Energy
- Construction and Operational PD/BI/DSU
- Onshore Energy
- Operational PD/BI
Capacity
- Up to €200m
Actively Growing
- Global Advertising Wrap-up/DICE Insurance Programs
- Global Motion Picture / TV Programs
- Theatrical and Global Conferences & Exhibition Programs
Risk appetite
- Production
- Motion Picture Studio Productions
- TV Production
- Independent Films
- Advertising Agency DICE Wrap-Ups
- DICE: Documentaries, Industrial, Commercials and Educational productions
- Live – Events & Sports
- Touring Entertainers
- Festivals
- Concerts
- Live Events
- Event Promoters / Producers
- Sport events/ teams/ leagues/ federations
- Corporate events/ fairs/ exhibitions
Excluded
Types of Coverage
- Production Portfolio
- - Cast
- - Extra Expense
- - Props / Sets /Wardrobe
- - Miscellaneous Equipment
- - Media: Negative Film & Faulty Stock
- - Third Party Property Damage
- - General liability
- Contingency:
- - Cancellation
- - Non-appearance
- - Transmission Failure
- - Over redemption
- - Event organiser liability
Actively Growing
- Large accounts and Middle market business in the following:
- Manufacturing/ Process Industries
- Energy (downstream)
- Construction (practice and projects)
- Real Estate
- Retail Trade
Coverage
- Premises Pollution
- Contractors Pollution
Capacity
- Up to €25m
Restricted
- Mining
- Offshore
- Nuclear
- Hydraulic fracturing
Actively Growing
- Broad appetite across Financial Services with focus on Banks Insurance companies and traditional asset managers
- Appetite for Large accounts and Middle market business
- Broad product offering including D&O, FIPI, FICRIME and EPL
Coverage & Capacity
- FI D&O; up to €25m
- FI PI; up to €15m
- FICRIME; up to €15m
- EPL; up to €10m
Cautious
- Investment Banking E&O, stockbrokers, REITS
- Cryptocurrency – digital assets
- ʴ’s
Actively Growing
- Construction
- Pharmaceuticals / Life science
- Telecoms / IT
- Product / High Tech Manufacturing
- Manufacturing (B2B, B2C)
Coverage
- Tailor made International Programs
- Primary and Excess layer
- Comprehensive wordings as per market standard
Capacity
- Up to €100m, depending on trade and individual risks
Restricted
- Waste Disposal/Recycling
- Firearms
- Helmets
- Child Safety Seats
- Automotive Recall
- Amusement, Gambling & Recreation Industries
- Healthcare Providers
- Medical Malpractice (incl. Hospitals)
- Cannabis/Tobacco/E-Cigarettes
- Residential Real Estate
- CPI
Actively Growing
- Complex business that requires local policies, risk controls and tailored underwriting/claims expertise
- Multinational and Captive Program
- Appetite for risks in a wide range of industries with a focus on risk managed accounts (e.g. manufacturers, importers/exporters and traders)
- Stock throughput policies and transit programs
- Project Cargo incl. Delay in Start-Up
- Willingness to take on Lead positions
Coverage & Capacity
- International Transit, Domestic Transit; US$100mn
- Stock through-put; US$100m
- Project cargo, Delay in Start-Up;US$100m
- Tailored coverages with specialized wording linked to industry segments;US$150m
Cautious
- Large logistic company (above $1 bn turnover)
- Commodities (mainly capacity provider)
Out of appetite
- Car account
Actively Growing
- Blue Water Hull
- Chemical / Product / Crude Oil Tankers
- LNG / LPG / LNP Carriers
- Offshore Supply / Support vessels
- Bulkers
- Container vessels
- Cargo carriers
- Marine Liability (Including Marine Property)
- Port & Terminals including Marine Property (as Follower)
- Specialized binders and facilities (e.g. super yachts)
Coverage
- Blue Water
- Pleasure Craft
- Builder’s Risk
- Marine Liability(Including Marine Property)
Capacity
- $75m
Cautious
- Fishing Vessels
- Livestock carriers
Growth Focus
- Beverages
- Pharmaceutical Product Distributors
- Fabricated Metal Products
- Electronic Equipment Manufacturers and Suppliers
- Legal and Educational Services
- Clothing stores, Home furnishings and equipment stores
- General Merchandise Stores
- Food Stores
- Commercial Real Estate
- Hotels and Lodges
- Medical Facilities
Coverage
- All Risks and Natural Catastrophe Property Damage and Business Interruption
Capacity
- Up to €100mn
Restriction
- Oil, Petroleum and Chemicals
- Rubber Product Manufacturing
- Pulp and Paper
- Textile Mills & Factories
- Public Transportation
- Forestry, Fishing and Mining
- General Warehousing and Storage
- Meat, Poultry, Pet Food, Sugar, Grain Mills
- Saw Mills and Wood Products
- Plastics Products Manufacturers
- Primary Metal Industries
- Tobacco Products
Actively growing
- From smaller and to large size companies with international subsidiaries
- Offering across all Professions
- Primary and excess positions
- Ability to offer multi-product solutions in the Construction industry
Coverage & Capacity
- Commercial PI (e.g., Accountants, Architects, Engineers, Solicitors); up to €15m
- Single Projects PI; up to €10m
Restricted
- Large Lawyers, Construction and Accountants companies
- Surveyors
- SPPIs
Focus Area
Service Orientated Occupancies such as:
- Financial & Professional Services
- Real Estate
- Public Sector & Education
- Hospitality & Leisure
- Retail Trade
- Airports, Transport & Logistics
- Healthcare
Manufacturing/Process Industries such as:
- Technology, Media, and Telecom
- Manufacturing and Metalworking
- Lifesciences and Cosmetics
- Beverages
Coverage
- All Risks and Natural Catastrophe Property Damage and Business Interruption
Capacity
- Up to €300m
Restricted
- Waste disposal/recycling
- Agriculture and forestry (incl. livestock/animal farms and growing/standing crops)
- Coal-based companies
- Food processing of meat products
Focus area
- Commercial Real Estate
- Financial Institutions
- Manufacturing Industry
- Construction/Engineering projects
- Entertainment/Sport/Film
- Pharm/Chem
- Telco/Media/IT
Coverage & Capacity
- Terrorism, Sabotage, SRCC, Rebellion, Revolution, Mutiny, Insurgency, Counter-Insurgency, Coup de état, Civil War & War; up to €100mn
- Terrorism Liability (T3L)
- Terrorism Event Cancellation
- Active Assailant; up to €50mn
- Nuclear, Chemical, Biological & Radiological Terrorism
Restricted
- Airports and Aerospace
- Rail Operators/Public Transport
- Security Companies
- Nuclear Power Plants
- Religious buildings/Places of worship
- Governmental, Military and Police buildings
- Embassies and Consulates
- Mining
Annual survey identifying business risks
About usRisk Barometer

Top 3 business risks in France in 2023
- Cyber incidents (40%) - 2022 rank: 2 (48%)
- Business interruption (32%) - 2022 rank: 1 (51%)
- Energy crisis (28%) - NEW
Further information
About usGlobal Corporate & Specialty SE
About usFrance
Find an About usagencyfor your small- and mid-sized business risks.
Get in touch with our experts for your large business risks.
Our head office
Paris
1 Cours Michelet
92800 Paris
France