{"id":1852,"date":"2026-04-28T14:58:33","date_gmt":"2026-04-28T12:58:33","guid":{"rendered":"https:\/\/ecoor.fr\/assurance-decennale-dommage-ouvrage-rc-pro-les-travaux-cest-aussi-une-affaire-de-garanties\/"},"modified":"2026-08-25T12:03:05","modified_gmt":"2026-08-25T10:03:05","slug":"assurance-decennale-dommage-ouvrage-rc-pro-les-travaux-cest-aussi-une-affaire-de-garanties","status":"publish","type":"post","link":"https:\/\/ecoor.fr\/en\/assurance-decennale-dommage-ouvrage-rc-pro-les-travaux-cest-aussi-une-affaire-de-garanties\/","title":{"rendered":"Ten-Year Liability Insurance, Structural Damage Insurance, Professional Liability\u2026 Construction Is Also About Guarantees !"},"content":{"rendered":"<section class=\"l-section wpb_row height_large\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_flex valign_top type_default stacking_default\"><div class=\"vc_col-sm-12 wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column us_custom_064d3121\"><div class=\"wpb_wrapper\"><p class=\"p1\">Planning to create, renovate or refurbish your pharmacy? Before thinking about materials, furniture or deadlines\u2026 let\u2019s talk insurance for a moment. Yes, it may not be the most exciting part of a construction project, but when something goes wrong, it can make all the difference.<br \/>\nAt ECOOR, we don\u2019t just deliver high-quality spaces: we take a methodical approach to protecting every project. For you, for your customers, and so everyone involved can sleep a little easier at night.<br \/>\nSo, what insurance cover should you consider when carrying out construction or refurbishment works ? Let\u2019s take a closer look.<\/p>\n<\/div><\/div><div class=\"w-separator size_custom\" style=\"height:2rem\"><\/div><div class=\"w-image align_none\"><div class=\"w-image-h\"><img decoding=\"async\" width=\"1500\" height=\"1034\" src=\"https:\/\/ecoor.fr\/wp-content\/uploads\/2026\/04\/ecoor-contractant-general-batiment-assurances-travaux.jpg\" class=\"attachment-full size-full\" alt=\"Contractant g\u00e9n\u00e9ral ECOOR, assurances et garanties travaux\" loading=\"lazy\" srcset=\"https:\/\/ecoor.fr\/wp-content\/uploads\/2026\/04\/ecoor-contractant-general-batiment-assurances-travaux.jpg 1500w, https:\/\/ecoor.fr\/wp-content\/uploads\/2026\/04\/ecoor-contractant-general-batiment-assurances-travaux-300x207.jpg 300w, https:\/\/ecoor.fr\/wp-content\/uploads\/2026\/04\/ecoor-contractant-general-batiment-assurances-travaux-1024x706.jpg 1024w\" sizes=\"auto, (max-width: 1500px) 100vw, 1500px\" \/><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row height_large\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_flex valign_top type_default stacking_default\"><div class=\"vc_col-sm-12 wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h2 class=\"p1\">Ten-Year Liability Insurance: The Bare Minimum\u2026 But Not for Everyone<\/h2>\n<p class=\"p1\">Starting a construction project without ten-year liability insurance ? You might as well go hiking without shoes. This cover, not mandatory for everyone, but required by ECOOR, protects the project owner for 10 years following handover. It applies to damage that could compromise the structural integrity of the works or make them unfit for their intended purpose.<\/p>\n<p class=\"p2\">This insurance may come into play if, for example:<\/p>\n<ul>\n<li><span class=\"s1\">The roof starts leaking three years after completion<\/span><\/li>\n<li><span class=\"s1\">The foundations begin to subside<\/span><\/li>\n<li><span class=\"s1\">Waterproofing in the sanitary areas fails<\/span><\/li>\n<li><span class=\"s1\">The heating system breaks down<\/span><\/li>\n<\/ul>\n<p class=\"p1\">It does not cover furniture or decoration and, in most cases, excludes minor finishes such as wallpaper, paintwork and removable fittings.<\/p>\n<p class=\"p1\">At ECOOR, all subcontractors are required to hold ten-year liability insurance appropriate to their specific trade. Each client also receives clear documentation, including the relevant insurance certificate. No grey areas, no unwelcome surprises.<\/p>\n<p class=\"p1\"><b>Ten-year liability insurance remains valid for 10 years.<br \/>\n<\/b><b>The result : you\u2019re covered if an eligible issue is identified after the project has been handed over.<\/b><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row height_large\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_flex valign_top type_default stacking_default\"><div class=\"vc_col-sm-12 wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h2 class=\"p1\">Professional Liability, Structural Damage and All-Risks Construction Insurance :<br \/>\n<strong>The Cover That Completes the Package<\/strong><\/h2>\n<\/div><\/div><div class=\"w-separator size_custom\" style=\"height:0.75rem\"><\/div><div class=\"g-cols wpb_row via_flex valign_top type_default stacking_default\"><div class=\"vc_col-sm-12 wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h3 class=\"p1\">Professional Liability Insurance : Cover for the Unexpected<\/h3>\n<p class=\"p1\">Before, during or after the project, the unexpected can happen at any time. That\u2019s where professional liability insurance comes in. Taken out by construction companies, it covers damage caused to third parties in connection with the construction contract.<\/p>\n<p class=\"p2\">For example :<\/p>\n<ul>\n<li><span class=\"s1\">Bodily injury:<\/span> a customer is injured in an inadequately marked-off work area.<\/li>\n<li><span class=\"s1\">Property damage:<\/span> a worker damages a shop window while handling equipment.<\/li>\n<li><span class=\"s1\">Business interruption and consequential financial loss:<\/span> a water leak forces a neighbouring business to suspend its operations.<\/li>\n<\/ul>\n<p class=\"p1\">Important : professional liability insurance does not replace ten-year liability insurance, which applies specifically to eligible construction defects identified after the works have been handed over.<\/p>\n<p class=\"p1\"><b>Professional liability insurance applies throughout the duration of the works.<br \/>\n<\/b><b>The result: you\u2019re covered if damage is caused to a third party during the construction project.<\/b><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"g-cols wpb_row via_flex valign_top type_default stacking_default\"><div class=\"vc_col-sm-12 wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h3 class=\"p1\">Structural Damage Insurance : The Project Owner\u2019s Safety Net<\/h3>\n<p class=\"p1\">Often overlooked, wrongly so, structural damage insurance (assurance dommages-ouvrage, or DO) can be a real lifesaver. Taken out by the project owner, that\u2019s you !, \u00a0it allows eligible defects to be repaired quickly, without having to wait for liability to be determined between the various construction companies involved in the project.<\/p>\n<p class=\"p2\">For example:<\/p>\n<ul>\n<li><span class=\"s1\">Tiles start cracking a few months after handover?<\/span><\/li>\n<li><span class=\"s1\">Water infiltration appears in a load-bearing wall?<\/span><\/li>\n<\/ul>\n<p class=\"p1\">The result : repair work can be initiated without waiting for the question of liability to be settled, while the insurers determine later who is responsible for covering the cost.<\/p>\n<p class=\"p1\"><b>Structural damage insurance takes effect one year after handover and provides cover for up to 10 years.<br \/>\n<\/b><b>The result : faster action and greater peace of mind.<\/b><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"g-cols wpb_row via_flex valign_top type_default stacking_default\"><div class=\"vc_col-sm-12 wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h3 class=\"p1\">Contractors\u2019 All Risks (CAR) Insurance : For Sensitive Projects<\/h3>\n<p class=\"p1\">Less common, but no less useful, Contractors\u2019 All Risks insurance provides comprehensive cover during the construction phase. It can cover risks such as theft, fire, accidents and material damage occurring while the works are underway. It may be taken out by you, as the project owner, by us as the general contractor, or by the project manager.<\/p>\n<p class=\"p1\">At ECOOR, we use this type of cover particularly for projects carried out in occupied premises, such as luxury stores that remain open to the public or hotels that continue operating throughout the works. The objective ? To leave nothing to chance \u2014 not even the unexpected.<\/p>\n<p class=\"p1\"><b>CAR insurance provides cover throughout the construction period, until completion of the works.<br \/>\n<\/b><b>The result : you\u2019re protected against material risks and unforeseen events while the project is being delivered.<\/b><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row height_large\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_flex valign_top type_default stacking_default\"><div class=\"vc_col-sm-12 wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h2 class=\"p1\">So, What Does ECOOR Actually Do for Its Clients When It Comes to Insurance?<\/h2>\n<p class=\"p2\">Working with ECOOR means:<\/p>\n<ul>\n<li><span class=\"s1\">Rigorous support from contract signature through to final handover, with a single point of contact throughout the project.<\/span><\/li>\n<li><span class=\"s1\">Carefully selected contractors, all holding the appropriate and up-to-date insurance cover.<\/span><\/li>\n<li><span class=\"s1\">Clear documentation, including ten-year liability insurance certificates, professional liability insurance and a complete administrative file.<\/span><\/li>\n<li><span class=\"s1\">A team that knows the subject inside out \u2014 and doesn\u2019t play with fire.<\/span><\/li>\n<\/ul>\n<p class=\"p1\">Ludovic Ricard, Manager of our Montpellier office, sums it up well :<br \/>\n\u201cPrevention is better than cure. Our own insurance cover, combined with thorough checks of our partner contractors\u2019 policies, allows us to deliver projects with complete peace of mind. And that peace of mind is shared with our clients, before, during and after the works.\u201d<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row height_large\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_flex valign_top type_default stacking_default\"><div class=\"vc_col-sm-12 wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h2 class=\"p1\">What Insurance Cover Should You Consider for Your Construction Project ?<\/h2>\n<p class=\"p2\"><b>Here\u2019s a quick recap:<\/b><\/p>\n<ul>\n<li><span class=\"s1\"><b>Professional liability and ten-year liability insurance:<\/b><\/span> ask each contractor, or your general contractor, to provide the relevant insurance certificates.<\/li>\n<li><span class=\"s1\"><b>Take out structural damage insurance (DO),<\/b><\/span> particularly for projects involving significant structural or construction work.<\/li>\n<li><span class=\"s1\"><b>Consider Contractors\u2019 All Risks (CAR) insurance<\/b><\/span> if your business will remain operational throughout the works.<\/li>\n<li><span class=\"s1\"><b>Work with an experienced general contractor<\/b><\/span> who knows how to manage project risks and ensure the appropriate safeguards are in place.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row us_custom_5aa3481b eco-section-overlay-favicon height_large width_full_with_indents with_img\"><div class=\"l-section-img\" role=\"img\" aria-label=\"Image\" data-img-width=\"172\" data-img-height=\"149\" style=\"background-image: url(https:\/\/ecoor.fr\/wp-content\/uploads\/2026\/03\/ecoor-favicon-repeat-noir.png);background-size: auto;\"><\/div><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_flex valign_top type_default stacking_default\"><div class=\"vc_col-sm-12 wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"g-cols wpb_row via_flex valign_top type_default stacking_default\"><div class=\"vc_col-sm-12 wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column us_custom_f5434bd7\"><div class=\"wpb_wrapper\"><p class=\"p1\" style=\"text-align: center;\">A Well-Insured Project<br \/>\nIs a Better-Controlled Project.<\/p>\n<\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p class=\"p1\" style=\"text-align: center;\">Why Not Talk It Through<br \/>\nBefore the First Partition Goes Up ?<\/p>\n<\/div><\/div><div class=\"w-separator size_custom\" style=\"height:2rem\"><\/div><div class=\"w-btn-wrapper align_center\"><a class=\"w-btn us-btn-style_1\" href=\"https:\/\/ecoor.fr\/contact\/\"><span class=\"w-btn-label\">Contact Us<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"Planning to create, renovate or refurbish your pharmacy? Before thinking about materials, furniture or deadlines\u2026 let\u2019s talk insurance for a moment. Yes, it may not be the most exciting part of a construction project, but when something goes wrong, it can make all the difference. At ECOOR, we don\u2019t just deliver high-quality spaces: we take...","protected":false},"author":1,"featured_media":1850,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[22,21,1,23],"tags":[],"class_list":["post-1852","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-chr-and-hospitality","category-offices","category-pharmacies-medical-offices","category-retail-en"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Ten-Year Liability Insurance, Structural Damage Insurance, Professional Liability\u2026 Construction Is Also About Guarantees ! - ECOOR<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ecoor.fr\/en\/assurance-decennale-dommage-ouvrage-rc-pro-les-travaux-cest-aussi-une-affaire-de-garanties\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ten-Year Liability Insurance, Structural Damage Insurance, Professional Liability\u2026 Construction Is Also About Guarantees ! 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