Quiz sur l'assurance habitation et responsabilité civile

Introduction to the Course

• The course is titled "Entreprise D'Assurances et Contrats"
• The course is part of a professional license program in Banking and Insurance (FGES)
• It runs from September 2024 to December 2024
• The instructor is Guillaume Grebert

Topics Covered in the Training

• Understanding the economic and work environment
• Deepening knowledge of the insurance market
• Recognizing the competitive environment
• Applying legal regulations regarding insurance contracts, from the initial subscription to the closing of the agreement

The Insurance Market

• Image of an insurance policy with magnifying glass

What Insurance Is

• Insurance is a financial mechanism used to transfer risks from individuals or businesses to an insurer in exchange for a premium.
• In case of a claim, the insurer compensates the insured, protecting them from unexpected financial losses.
• This is based on the principle of risk pooling, where contributions from many insured parties cover claims from a few.
• Insurance plays a vital role in stabilizing finances for individuals and businesses, providing security and foresight in uncertain times.

Types of Insurance

• Property/Casualty Insurance (IARD)
• Personal Insurance

Property/Casualty Insurance (IARD)

• Covers losses of a tangible or intangible nature arising from various incidents.
• It includes automobile insurance (covering accidents and damage to vehicles and others), homeowners' insurance (protection against fire, water damage, and theft).
• Essential for protecting personal and business property against daily uncertainties.

Example of Property/Casualty Insurance

• Vehicle images, factory, house, cargo, and excavator
• This section illustrates different property/casualty scenarios

Home Insurance

• Home insurance is a mandatory requirement for tenants, including those in furnished housing, and for co-owners in a co-op.
• Co-owners' liability extends to the co-op and other parties, including tenants.
• Non-applicable cases include seasonal furnished rentals, housing arrangements with the state and their rules, and rentals.

Home Insurance 2

• Comprehensive home protection against fire, water damage, burglary, and acts of vandalism.
• Personal liability coverage for accidents occurring within the home that affect others.

Home Insurance 3

• Coverage for personal liability related to accidents (water damage, fire, etc. ) within the premises impacting third parties.
• Insurance covers damages caused to third parties arising from events within your home.

Home Insurance 4

• How home insurance premiums are calculated.

Auto Insurance

• In France, all motor vehicles must have a minimum liability insurance coverage to drive legally on public roads.
• Insurance companies offer a wide range of auto insurance options with varying levels of protection.

Motor Vehicle Insurance Types

• Third-Party Liability: Covers damages the vehicle might cause to third parties, but not the owner's vehicle damages.
• Enhanced Third-Party Liability: Extends coverage to cover insured's vehicle damages
• Comprehensive Insurance: Full coverage for damages to the vehicle and third parties.

Motor Vehicle Insurance 2

• Covers vehicle-related damages, as well as physical injuries occurring due to an accident.

Motor Vehicle Insurance 3

• Covers various insurance types
• Includes descriptions of third-party insurance and comprehensive insurance

Motor Vehicle Insurance 4

• Describes variable pricing strategies depending on insurance type, area of driving, vehicle type, and driver profile

Liability Insurance

• Liability insurance covers injuries or damages caused to others by an individual or business operation or activity.
• It is often included as part of a broader insurance package.
• The policy covers the cost of legal liabilities stemming from negligence or omissions.

Liability Insurance: Scope of Coverage

• Covers damages due to events like water damage, fire, and accidents originating inside the insured's property, that impact unrelated parties.

Types of Liability Insurance

• Includes descriptions of Homeowners, motor vehicles, business based coverage.

Professional Liability and Errors and Omissions Insurance

• Comprehensive coverage tailored to the field of construction and its inherent risks

Decennial Liability Insurance

• Typical professional insurance for construction projects.
• Covers building structure and durability for 10 years.
• Addresses structural issues arising from defective building components.

Property Damage Insurance

• Protects business assets from numerous risks, including physical loss.
• Covers various scenarios like fire, flood, theft, and vandalism.
• Important for financial stability of businesses.

Professional Business Property Insurance

• Covers factory, laboratory, office, or warehouse settings.
• Addresses different risk scenarios tailored to the sector.
• This covers physical property, stock items, and equipment for industrial sector businesses.

Calculation of Insurer Commitment

• A method used in insurance calculation.

Breakdown of Machine and Equipment Damage

• Guarantees coverage for industrial equipment issues such as breakdown, electrical faults, mechanical problems, or design flaws.
• Covers damage of machinery due to external factors, including natural catastrophes and human error.
• Offers numerous security features for industrial activities.

Information Technology Risk Insurance

• Covers computer systems and data.
• Addresses risks like theft, loss, or damage to hardware and software.
• Covers loss of data, including during business operation interruption.

Cyber Risk Insurance

• Insurance for business protection from cyberattacks.
• Covers the financial and operational repercussions of a cyberattack, including legal expenses, and repairing reputational damage.
• Protects against costs associated with security breaches.

Cyber-related Coverage

• Details the varied costs covered during and after a cyber incident, including those related to remediation, audits, and legal actions.

Commercial Vehicle Insurance (Transportation)

• Broad coverage for goods or assets during transit.
• Addresses potential losses or damage from various causes.
• This also covers the transport and coverage of your transported cargo.

Property Insurance

• Explains the nature of property insurance.

Environmental Risk Insurance

• Designed to cover environmental perils and damage to natural resources related to the insured enterprise.
• Covers expenses incurred due to environmental issues.
• Can also cover costs for ecological remediation.

Leadership or RCMS

• Assurance covering the liabilities of company leaders.
• Protecting leaders from personal repercussions if their decisions cause business damage.
• Covers potential personal financial loss if leadership decisions cause company issues

Leadership Exposure

• Explains the potential legal exposure company leaders face due to their actions within the organization.

Leadership Liability Coverage

• Provides comprehensive coverage for leader-related actions, while also covering personal losses and lawsuits

Legal Protection Insurance

• Protects individuals and families from legal costs associated with uncertain life events.
• Includes costs for lawsuits, negotiations, and expert testimony in addition to financial loss.

Legal Protection Business Scope

• Details different spheres covered by professional legal protection insurance, including conflicts with employees, renters, social organizations, and reputational challenges.

Related Insurance Types

• Supplementary insurance (specifically designed to cover unique risks for specific situations or items).

Basic Person-Related Policies

• Covers risks connected with life events like death, illness, or retirement.

Health Insurance Overview

• Includes supplementary or optional health insurance to complement the core health coverage.

Precautionary Measures

• Provides coverage against adverse life events such as accidents, incapacity to work, or dependency.

Management Principles for Insurance Distribution

• Explains both the distribution strategy (repartition) and pooled-fund strategy (capitalization) used in insurance.

Insurance Management Principles-

• Describes both the distribution strategy (repartition) and pooled-fund strategy (capitalization) used in insurance.

Insurance Management Distribution Principles

• Explaining the fundamental principles employed in distributing insurance funds to those affected by incidents.

Insurance Management Capitalization Principles

• Clearly explains the method for funding future claims using profits generated through investments within a risk pool.

Testez vos connaissances sur l'assurance habitation et la responsabilité civile avec ce quiz. Vous découvrirez les différences entre les types de couvertures et les garanties offertes. Idéal pour ceux qui souhaitent approfondir leur compréhension de ces sujets essentiels.