Having several contracts does not guarantee that you are properly insured. Needs change: housing, car, family, business, equipment and liabilities. An audit identifies protection gaps and cover that has become unnecessary.
When should you review your portfolio?
After a move, the purchase of a vehicle or a property, a birth, a change in your career or the creation of a company. A periodic check also makes it possible to verify that the sums insured match the value of the assets.
Cover to compare
- Private or business liability.
- Household contents, buildings and property damage.
- Comprehensive motor cover and deductibles.
- Legal protection and exclusions.
- Pensions, loss of earnings and family cover.
- Cyber risks, business interruption and directors’ liability for the SMEs concerned.
Reading beyond the premium
The deductible, exclusions, obligations in the event of a claim, compensation ceilings and contractual deadlines matter as much as the price. A low premium is not a saving if the main risk is excluded.
What is specific to businesses
An SME must assess its risks according to its trade, turnover, staff, suppliers and data. Cover against business losses or cyber incidents must reflect its real dependencies.
A practical audit method
We start from an inventory of policies, map the risks, examine overlaps and suggest reasoned adjustments. The aim is not to multiply insurance policies, but to better protect what matters.
Services and exclusions depend on the policies and their general conditions.