Different professional insurance policies protect the business manager against the risks to which he is exposed: health, disability, death, civil liability , etc. Some are compulsory while others remain optional. But they are nonetheless essential. Here is how to insure the entrepreneur or the director of a company .
Insure the manager to cover his civil liability
A leader represents his company. He can engage him by signing contracts and he exposes himself, by exercising his functions, to the risk of bringing into play his own civil liability (RC). To protect the personal assets of the manager in the event of his civil liability being called into question (errors, omissions, etc.), a manager's liability insurance must be taken out .
Here, it is not a question of the professional civil liability (RCP) of the company but of that of the manager, whose commitment can affect his own assets . As a reminder, the CPR of a company remains compulsory for certain activities and in particular for health, law, figures or construction professionals.
The cost of a liability for a corporate officer depends on the turnover of the company, the responsibilities entrusted, previous claims as well as the desired guarantees.
Insure the business manager to improve his social protection
There are three ways to improve the social protection of a business leader: provide him with additional health , allow him to build up a supplementary pension or ensure him income maintenance in the event of a "hard blow", all at the expense of the company.
Complementary health
Complementary health insurance, better known under the name "mutual ", is compulsory for employees. But it is not for business leaders. However, the latter may have an interest in subscribing to one for the benefit of their manager (s).
Indeed, the premiums paid to a complementary health organization can be deducted from the taxable result of the company, under certain conditions. Thus, the manager benefits from a mutual insurance ( reimbursement of care and coverage of other health costs) which costs him nothing, since the company pays for it.
Retirement providence
As a manager and, whatever his status ( self-employed or assimilated-employee ), a business manager who contributes to the appropriate organizations benefits from a pension. A distinction is generally made between the basic pension and the supplementary pension. Be careful, however, a manager who does not contribute does not acquire any right to retirement.
However, a company can allow its manager to contribute to other organizations, so as to allow him to benefit from an additional retirement pension . Once again, contributions can, in certain cases, be deducted from the company's tax result.
This solution is generally interesting for self-employed workers (TNS) whose annual remuneration exceeds 40 K €. In this case, it makes it possible to bridge the gap with “assimilated-employee” managers. However, it is open to everyone.
Loss of income insurance
A manager can suffer loss of income for different reasons: work accident , illness , disability (total or partial, temporary or permanent). The plans to which they contribute offer him protection, more or less extensive depending on the activity carried out.
Thus, the liberal professions falling under the CIPAV do not benefit from daily allowances in the event of sick leave . To preserve their income, they can opt for occupational benefits with specific cover (daily allowances for example).
Also, in the event of loss of their corporate office, they can claim no unemployment compensation . In fact, most of the managers do not have an employment contract (including the chairmen of SASU). Therefore, they do not contribute to unemployment insurance. They therefore do not benefit from any cover against this risk. Provisions make it possible to remedy this problem.
Insure the company against the risk of death of the manager
The death of a manager or a business leader has repercussions on his family, but also on the company. The loss of know-how, expertise or an address book can have catastrophic consequences for the sustainability of a company.
This is why insurance contracts make it possible to protect against the risk of the disappearance of an important person. They are also known under the name "key men insurance contracts". They ensure the financial consequences of the disappearance of an important person by paying capital or compensation to the company.
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