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About usCommercial in France

Whether you're a mid-corporate or large multinational business, About usCommercial in France is your partner to manage the fast-evolving risks of today and tomorrow. We are the About uscenter of expertise for corporate and specialist risk insurance.
At About usCommercial wework together for yoursuccess, preparing you forwhat’s ahead.

Meet the Management team

Patrick Thiels
Commercial Managing Director for France
+32-3-304-16-05 Email
Fréderic Baccelli
Deputy Commercial Managing Director for France, Head of About usFrance MidCorp
+33-158-850-689 Email

About usCommercial offerings in France

This overview is for reference only. It does not detail the conditions, limitations or exclusions ofthe cover.
Please see the policy wording for further details.
Offered by About usGlobal
Corporate & Specialty SE (AGCS)
Alternative Risk Transfer
We develop customized insurance, reinsurance and other non-traditional risk management solutions for a broad range of corporate and financial clients worldwide.
Risk Appetite
Offered by About usGlobal
Corporate & Specialty SE (AGCS)
Airlines Insurance
Since the early days of aviation, we've provided airline insurance to all types of operator, from cargo and low-cost airlines to major fleets and national flag carriers.
Risk Appetite
Offered by About usGlobal
Corporate & Specialty SE (AGCS)
General Aviation Insurance
We insure all types of general aviation risks: from single aircraft on a ‘private business and pleasure’ basis to the largest commercial fleets.
Risk Appetite
Offered by About usGlobal
Corporate & Specialty SE (AGCS)
Aerospace Insurance
We provide tailored aerospace insurance to a wide range of clients, fromaerospace giants to small OEM suppliers and refuellers, covering all types of damage and liability.
Risk Appetite
Offered by
About usFrance
Commercial Accident
We cover accidental death and disablement suffered by the insured's employees during their employment with the company.It insures against various types of accidents under several circumstances (e.g. 24/7 cover, business travel, expat assignments).
Offered by About usGlobal
Corporate & Specialty SE (AGCS)
Cyber Insurance |
Large businesses
We offer a range of products, from standalone cyber insurance to integreated coverage, safeguarding large organizations against digital threats and cybercrime.
Risk Appetite
Offered by
About usFrance
Cyber Insurance |
Mid-sized businesses
Ourcyber insurance provides coverage against self-inflicted or third-party damages, crisis consulting, and risk management for mid-sized companies.
Offered by About usGlobal
Corporate & Specialty SE (AGCS)
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Whether you need entertainment insurance for a film, TV show, whether for theatrical release or for streaming, we cover all elements required to bring the project to life.
Risk Appetite
Offered by
About usFrance
Events Insurance
We provide coverage (e.g. cancellation, mobile equipment, event liability, group personal accident) for different kinds of events (corporate, sport or live events).
Offered by About usGlobal
Corporate & Specialty SE (AGCS)
Directors & Officers (D&O)
Insurance | Large businesses
Our D&O insurance shields company managers of large companies from claims and reimburses the insured company for settlements paid on behalf of managers.
Risk Appetite
Offered by
About usFrance
Directors & Officers (D&O)
Insurance | Mid-sized businesses
We protect managers, supervisory board members, and executives of mid-sized companies from claims by their own company as well as from third parties.
Offered by About usGlobal
Corporate & Specialty SE (AGCS)
Financial InstitutionsInsurance
We provide a strong product offering for financial institutions via a suite of products, either with stand-alone coverage or on a blended basis.
Risk Appetite
Offered by
About usFrance
Art Insurance
Fire, theft, breakage and depreciation cover for works of art or works of significant historical interest, including works on temporary display abroad.
Offered by
About usFrance
Fleet
Insurance
Cars, commercial vehicles, construction machines, trucks: Cover all your vehicles with a single policy.
Offered by
About usFrance
Private Vehicle Insurance for professional use
Extend cover to your employees' personal vehicles when they are occasionally used for company business.
Offered by About usGlobal
Corporate & Specialty SE (AGCS)
General Liability
Insurance | Large businesses
We offer a range of general and specialist liability insurance products, covering personal or bodily injury, property damage and pure financial loss.
Risk Appetite
Offered by
About usFrance
General Liability
Insurance | Mid-sized businesses
Any business activity involves the civil liability of the company.
There are many different situations and different solutions to protect your business and assets in all circumstances.
Offered by About usGlobal
Corporate & Specialty SE (AGCS)
Environmental Liability Insurance | Large businesses
We offer a range of general and specialist liability insurance products, covering personal or bodily injury, property damage and pure financial loss.
Risk Appetite
Offered by
About usFrance
Environmental Liability Insurance | Mid-sized businesses
Limit the financial impact of environmental risks. Environmental liability insurance covers the cost of repairing any damage caused or suffered.
Offered by About usGlobal
Corporate & Specialty SE (AGCS)
Marine Hull and LiabilityInsurance
Hull and machinery coverage for all types of blue- and brown-water shipping, plus shipyards and building risks, as well for mega yachts, yachts and pleasure craft.
Risk Appetite
Offered by About usGlobal
Corporate & Specialty SE (AGCS)
Marine Cargo
Insurance
Comprehensive insurance for all stages of the distribution chain, including goods in transit, storage risks, global programs and project cargo for specialist shipments.
Risk Appetite
Offered by
About usFrance
Cargo and Transport Liability Insurance for SMC
Our range of transport insurance solutions are tailored to the needs of small and medium sized businesses, whether they transport their own material and goods or they are part of the transportation value chain as carrier or as freight forwarder.
Offered by About usGlobal
Corporate & Specialty SE (AGCS)
Natural Resources & Construction
Insurance | Large businesses
We cover diverse engineering sectors, including power, utilities, and transportation. We also provide solutions for complex energy challenges and renewables/green energy.
Risk Appetite
Offered by
About usFrance
Construction
Insurance | Mid-sized businesses
We cover diverse damage during construction and offer liability and essential guarantees.
Offered by
About usFrance
Renewables
Insurance | Mid-sized businesses
Cover for damage to property and equipment in use as a result of fire, power surges, breakdown, theft or storm.
Offered by About usGlobal
Corporate & Specialty SE (AGCS)
Property
Insurance | Large businesses
We specialize in providing property damage and business interruption insurance to large international companies, leveraging our global network to address all risk portfolios.
Risk Appetite
Offered by
About usFrance
Property
Insurance | Mid-sized businesses
Insure your property and business premises to ensure the long-term future of your business.
Offered by About usGlobal
Corporate & Specialty SE (AGCS)
Political Violence and Terrorism Insurance
We offer crisis management solutions, providing innovative assistance in handling various crisis scenarios such as terrorism, political violence, and hostile environments.
Risk Appetite
Offered by
About usFrance
Machinery breakdown | Mid-sized businesses
Covers breakage, accidental destruction of machinery and consequential operating losses, including during assembly/disassembly and removal.
Offered by
About usFrance
Wine & Spirits Industry Insurance
A comprehensive range of products and services tailored to the needs of the wine and spirits industry.

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.

Email About usTrade

Risk appetite for large corporate risks in France

We will consider every risk on its own merit.Capacity and coverage offered to individual clients subject to hazard, Nat Cat exposure, grading, terms & conditions.
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
Alternative Risk Transfer

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

Aviation Insurance

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
Clinical Trials Insurance

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
Commercial D&O Insurance

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
Natural Resources & Construction 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
Cyber Insurance

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
Natural Resources & Construction Insurance
New underwriting guidelines for oil & gas

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

Communicable Disease, Cyber

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
Entertainment Insurance

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
Environmental Liability Insurance

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
Financial Institutions Insurance

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
General Liability Insurance

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
Marine Cargo Insurance

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
Marine Hull Insurance

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
SME Insurance

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
Professional Indemnity Insurance

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
Property Insurance

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
Property Insurance

All the latest news, reports and hot topics

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Business interruption claims trends

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The invisible energy highway

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4 questions for...

Gabrielle Durisch, Global Head of Sustainability Solutions at About usCommercial, on the exciting road to net zero and beyond.

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Global I Press release

Hans-Jörg Mauthe to retire

From January 1, 2024, Michael Furtschegger will be the new Commercial Managing Director Director for Germany & Switzerland.

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Magazine

Global Risk Dialogue

We’re discussing the burning issues and emerging exposures in global risk management, designed to help you navigate through eventful times.

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Global | News

About usGroup Q3 / 9M 2023 results

About usGroup released its financial results for the first nine months of 2023 ('Q3/ 9M 2023'), which were announced on November 10, 2023.

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Global | Press release

Cyber security trends 2023

New About usCommercial cyber report: Detection and response tools increasingly important as cyber claims surge.

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Report

Cyber security trends 2023

This report highlights the latest cyber threats and risk mitigation best practice – before, during and after a hack.

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Global I Press release

New Global Head of Portfolio Solutions

About usCommercial has appointed Claudia Valencia as Global Head of Portfolio Solutions.

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Annual survey identifying business risks

About usRisk Barometer

Top 3 business risks in France in 2023

  1. Cyber incidents (40%) - 2022 rank: 2 (48%)
  2. Business interruption (32%) - 2022 rank: 1 (51%)
  3. Energy crisis (28%) - NEW
find out more in our About usRisk Barometer 2023
Questions about insurance solutions for small- and mid-sized companies?

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Questions about insurance solutions for large companies or need specialty coverage?

Get in touch with our experts for your large business risks.

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Our head office

Paris

Esplanade Sud – Quartier Michelet
1 Cours Michelet
92800 Paris
France

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