Property and casualty insurance and loss of business

There are multiple risks facing an industrial society and they are the result of many and varied causes. They are likely to alter the course of the business and may even compromise the company’s sustainability. It is therefore essential to be able to assess these risks, to be able to anticipate and control them. This is a matter for professionals and must be conducted with the utmost rigour.

Industrial damage cover is generally grouped into four categories of insurance:

– Damage to property;

– Special risks including:

  • Machine breakdown
    •   All IT Risks
    •   All Risks Construction and Assembly
    •   Construction Equipment Insurance

– The operating loss;

– Professional multi-risk insurance;

We provide you with a team of experts who are particularly experienced in identifying, on a case-by-case basis, the risks according to their recurrence and in confronting each other and according to their nature, with the most appropriate insurance solution that protects your interests and guarantees at the same time the value in using your assets.

Property damage coverage insures your company’s tangible assets – buildings, workshops, equipment, goods – against the risks incurred as a result of a specific event:
• Fire and explosion
• Natural disaster
• Water damage
• Robbery
• Broken glass.
Risk analysis must be carried out taking into account the dual criteria – the good to be insured + the origin of the risk – and our counsellors will be able to advise you on the solution that best meets your needs and is the most appropriate. Moreover, as they are already aware of the issue, they are de facto integrating the budget aspect into their approach by seeking to make the most of the modulation effect between the scope of guarantees and the deductible thresholds.

In order to facilitate the understanding of the guarantees offered and their scope of application, EPEGA encourages contractors to set up policy clauses in one of the following two forms :

• Named peril contract or multi-risk contract: all the risks to be covered are listed,
• All risks except: only excluded risks are listed, and everything not excluded is covered.

Based on its long experience, the mediation provided by EPEGA is resolutely focused on the soundness of the advice provided by our experts for the implementation of safety measures and the development of prevention plans.

Special risks concern all insurance contracts which by their nature, do not fall within the usual category of insurance contracts.


The principle of good production ensured by your company depends on the operating regime of your equipment while it remains exposed to dangers of all kinds and from various causes such as :

• Wrong or inappropriate operation
• Internal or external breakage
• Malicious intent of a third party
• Damage during assembly and reassembly
• Fire, water damage, natural disasters…

The most popular contract is the one that covers materials and equipment clearly identified within your industrial park.

Whether it is to recover the cost of repairing or replacing insured property following accidental damage, our firm offers you a tailor-made machine breakdown contract.


A disaster on your IT equipment can be detrimental to your business and in some cases jeopardize the sustainability of your company.
The purpose of the all IT risk insurance is to cover any loss or damage suffered by all your IT equipment (computers, inverters…) as well as the costs of reconstitution following the alteration of your IT data.

In addition to the preventive work for the backup of your data, EPEGA will analyse with you all the risks that may occur: fire, explosion, shock, fall, collision, electrical damage, building collapse, water damage, climatic events, strikes, riots, malicious acts, sabotage, accidental failure of electricity supply, etc., to consider the implementation of guarantees including:

• The reconstitution costs of your computer data,
• additional operating costs (rental or external processing costs).


The distinction between All Construction Risks (CRT) and All Assembly Risks (ARM) is not essential. It results from a simple convenience of the insurance market to consider building site and civil engineering insurance in the CRTs, whereas MRTs are more interested in the assembly of isolated plants or machines.

The warranty conditions are almost the same in both cases, but with some differences.

When the same site has the characteristics of both CRTs and MRTs, the insurance contract is established to take into account the particularities of each component of the work.

The number of people involved in the execution of a project and the complexity of the risks to be insured do not facilitate the implementation of this coverage by its applicant.

Choosing EPEGA will facilitate the diagnosis of your risks in the context of the works you are planning to carry out and will allow you to better identify the most relevant cover for your needs.


Because construction machinery often represents a considerable investment, any accident causing significant damage to a machine can affect the profitability of the investment.

You can protect yourself by means of a Construction Equipment insurance against negative financial consequences resulting from the damage suffered by your machines without having to bear an excessive financial burden.

The Construction Equipment Insurance provides coverage against physical loss or damage that may occur to all types of construction equipment used by contractors to carry out their work.

Machines are covered when they are in operation or at rest against the following risks:

• Fire,
• Collision,
• Spill,
• Crushing,
• Flooding,
• Robbery,
• Malicious.

This contract can be combined with a Machinery Breakdown insurance to insure your valuable equipment against Internal and External Risks.

EPEGA will assist you in choosing the optimal protection for your equipment according to the use and value of the equipment and the constraints of your activity.

Coverages against damage and losses caused, even when they are adequate, are not always sufficient due to the risk of the production tool being immobilized and the time required to restore the production equipment.

The purpose of business interruption insurance, following a disaster, is to put your company back in a financial situation similar to that which it would have experienced in the event of continuing activity without incident.

Business interruption insurance prevents the company from finding itself in a situation equivalent to that of technical unemployment, which we know can be harmful.

Business interruption insurance allows you to do this:

•   to guarantee the payment of salaries,
•   to face fixed charges (taxes, duties, current charges, etc.),
•   to pay certain additional costs such as the rental of a temporary production site, administrative procedures, etc.
•   to reconstitute the expected operating result.

This guarantee is necessarily linked to the subscription of a contract covering damage to your real estate or movable property.

To enable self-employed workers, professionals, traders, craftsmen, service providers and small business owners to find their way into this complex world of insurance, insurance companies have invented standard contracts known in the jargon of insurers as « professional multi-risk insurance ».

Professional multi-risk policies cover the main risks to which your property and professional responsibilities are exposed.
The contract covers 5 main types of guarantees:

– Fire
– Robbery
– Water damage
– Icebreaking

Operating Liability and/or Professional Liability.
Although these are apparently standard contracts, it is important to check:

• Covered risks, optional coverages, exclusions;
• Matching the amounts of cover to the risks involved;
• The amount of contractual deductibles.

EPEGA provides you with an assistance service to help you choose the contract that is best suited to your case and provides permanent support to manage your claims.