RC Pro (Civil Liability) : Definition, issues and explanations

Professional Liability, or RC Pro, is an insurance policy that covers professionals against damage they may cause to third parties in the course of their professional activity. This cover can apply to material, bodily or immaterial damage.

It is designed to protect the business or self-employed professional against the financial consequences associated with such damage, which could otherwise engage their personal liability or that of their company.

CV Pro is often a necessary condition for exercising certain regulated professions or for entering into contracts with partners or customers.

Professional liability insurance is essential because it covers the risks associated with professional activity, particularly in the event of error, omission, negligence or fault that causes harm to a third party.

Without this insurance, the professional or company could be forced to pay for repairs or compensation out of pocket, which can represent a very heavy financial burden, sometimes even compromising the long-term survival of the business.

In addition, to reassure customers and partners, taking out a RC Pro is a guarantee of seriousness and professionalism, which can influence the choice of a service provider or supplier.

RC Pro works by taking out a specific insurance contract with a professional insurance company. This contract details coverage, exclusions, indemnity ceilings and duration of cover.

In the event of a claim where a third party suffers damage related to the activity, the professional or company must inform its insurer promptly. The insurer then examines the claim, assesses liability, and pays the amount of repairs if liability is incurred.

Generally, a deductible remains payable by the insured, i.e. a sum not covered by insurance that the professional must pay himself.

The main advantage of professional liability insurance is the financial protection it offers professionals against the risks associated with their business.

It also enhances credibility with customers and gives access to certain markets that require this coverage.

However, RC Pro can entail a significant annual insurance cost, which varies according to the nature of the activity and the level of coverage purchased. What's more, certain specific situations or intentional faults may be excluded from the policy.

A craftsman installing electrical equipment in a house may cause a short circuit damaging the customer's equipment. RC Pro covers the costs associated with the repair.

A consultant who gives erroneous advice resulting in a financial loss for his client may be held liable, and RC Pro covers the damages.

In the medical sector, a healthcare professional may be covered by suitable RC Pro to respond to possible errors or accidents during treatment.

• Autorité des marchés financiers (AMF): official information on professional insurance.
• Service-Public.fr: practical guide to professional civil liability.
• Légifrance: legal texts relating to professional liability.
• MAIF RC Pro: example of an adapted professional insurance offer.