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Easyblue Décennale: presentation, guarantees and limits in 2026
Easyblue Décennale is an insurance policy for building professionals and craftsmen, designed to cover decennial liability linked to damage compromising the solidity of a structure or rendering it unfit for its intended use. This offer falls into the category of compulsory professional insurance for builders and construction professionals. This page analyzes the cover offered, frequent exclusions, underwriting conditions and compares the suitability of the offer to the main professional profiles. The approach remains factual and operational to facilitate decision-making and comparison within the Pro Insurance category.
Feedback on Easyblue Décennale
Common usage observed among many policyholders: coverage for small and medium-sized construction, renovation and extension projects. The most represented professions include craftsmen, prime contractors and small general contractors. Strong point regularly cited: simplicity of pricing and rapid online quotations, which facilitates regulatory compliance before work starts.
Contexts particularly suited: interventions on residential worksites, renovation operations on existing buildings and project management assignments for low to medium complexity projects. Profiles that perform well with this offer: novice craftsmen requiring a standard ten-year insurance policy, small structures looking for 100% digital management, and moderate-risk professions where insured amounts remain under control.
Limits and irritants noted in use: variable deductibles depending on coverage items, and ceilings that are sometimes insufficient for heavy claims on large worksites. Technical claims processing times mentioned as a source of slowness for certain complex claims. Classic exclusions observed in returns: maintenance-related defects, non-conforming use or failure to declare specific work during underwriting.
.When should I subscribe to Easyblue Décennale?
Easyblue Décennale responds to the legal need to cover decennial liability for builders, craftsmen and others involved in construction whenever a legal obligation exists. The guarantee covers damage that compromises the solidity of the structure or renders it unfit for its intended use, for a period of ten years after acceptance of the work. The contract also serves to protect professional activity against potentially high repair costs, and to provide proof of solvency vis-à-vis customers and project owners.
Profiles for which the offer is relevant: young craftsmen looking for a simple entry-level to start their business (basic warranty and quick quote), small general contractors carrying out residential work (coverage adapted to average amounts), independent prime contractors and technicians (specific liability insurance), finishing professionals working on renovation projects (warranties targeted to interventions). For each profile, a typical use: obtaining a ten-year certificate before starting work, and benefiting from digital contract management.
A strong point of suitability: integration of an online subscription path enabling rapid implementation of ten-year protection for companies with moderate worksite volumes. This feature facilitates regulatory compliance and reduces the time to issue a certificate, a notable advantage for structures in a growth phase.
Easy to subscribe to and manage Easyblue Décennale
Level of complexity for first-time buyers: moderate. Documents and prerequisites usually required: Kbis or SIRET extract, certificate of activity, description of planned work, estimated value of jobs and professional experience. Certain categories of work or high-risk profiles may require additional supporting documents and prior technical expertise.
Elements facilitating underwriting and day-to-day management:
- online quotation and underwriting process
- insured space accessible from a dashboard
- issuance of digital decennial certificate
- customer support by e-mail and telephone
- claims management with online form and follow-up
Easyblue Décennale rates and packages
Formule Essentielle - Guide price: €45/month. Description: basic coverage suitable for craftsmen and small residential operations. Main coverages: basic decennial liability, coverage for structural damage up to standard ceilings. Profiles concerned: novice craftsmen, sole traders with low-value projects.
Confort Package - Guide price: €75/month. Description: extended coverage including higher limits and assistance options. Guarantees included:
- Decennial liability with increased ceilings
- Professional indemnity cover
- Legal assistance related to worksite disputes
Formule Complet - Guide price: €120/month. Description: designed for SMEs and general contractors working on larger projects. Key benefits: higher coverage limits, expert appraisal costs, enhanced legal protection. Profiles concerned: companies with several simultaneous worksites and in-house project management.
Easyblue Décennale key warranties
Principal ten-year liability: covers damage that compromises the solidity of the structure or renders it unfit for its intended use for ten years after acceptance. General operation: assumption of responsibility for repairs within the limits of the ceilings stipulated in the contract once damage falling within the scope of decennial liability has been ascertained. Examples of items covered:
- Collapse or collapse affecting the structure
- Significant cracks compromising use
Associative professional civil liability cover: intervenes for damage caused to third parties in the course of activity linked to the building site. Role: coverage of the financial consequences of bodily injury, material and immaterial damage caused to others, often required in addition to decennial insurance for complete protection.
Optional and complementary coverages: proposals designed to meet specific needs or reinforce protection according to risk profile. Options frequently offered: extension of insured amounts, deductible buy-back, enhanced legal protection, additional damage-work coverage, equipment breakdown cover. These options make it possible to adapt the contract to more complex worksites or to the contractual requirements of project owners.
Interest of options according to profiles: for companies carrying out large-scale worksites, the extension of amounts increases financial security; for craftsmen, the partial buy-back of deductibles limits the financial impact in the event of a claim. Typical options available:
- ceiling extension
- deductible buyback
- legal assistance and liability defense
- coverage of floating equipment or premises
Ce que Easyblue Décennale ne couvre pas
Common exclusions and contractual limits: work not declared or carried out outside the scope specified in the contract, damage resulting from faulty maintenance, claims linked to intentional acts or fraud, and work subject to special regulations not covered without endorsement. Coverage ceilings and deductibles may limit effective compensation for large-scale claims. Alternative or supplementary insurance recommended for needs not covered: compulsory damage insurance for rapid compensation of clients, specific worksite guarantees offered by other insurers for major works, or specialized policies for exceptional risks (flooding, industrial risk).
The main compromises to be accepted at the time of underwriting: acceptance of deductibles and ceilings adapted to the price of the contract, renunciation of certain extensions at no extra cost, and the possibility of prior technical expertise for certain files. These compromises reflect the balance between premium cost and expected level of protection.
FAQS
Is it reliable and secure?
Financial soundness and compliance: Easyblue is an entity operating on the French market with approval from the relevant authorities. Financial soundness and compliance with European standards are based on Solvency II rules and, where applicable, ACPR supervision. Data protection: implementation of security procedures and compliance with the RGPD for the processing of policyholders' personal data. Security points and compliance:
- accreditation and regulatory supervision
- compliance with Solvency II requirements
- RGPD-compliant data protection policy
Is it compatible with my other tools?
Subscription methods and compatibilities: subscription possible online via the website and quotation form, by telephone or via broker partners. Compatibility with other schemes: ten-year insurance can be included in a package of professional insurance policies or in group contracts, depending on conditions. Access restrictions: certain high-risk profiles or specific work may be excluded or require special conditions.
- online underwriting
- underwriting via broker
- underwriting by telephone
- compatibility with group and supplementary contracts
Is there responsive customer support?
Customer service: assistance available by e-mail and telephone, with working day opening hours. Claims management: online declaration via the insured area and follow-up by file with a dedicated contact depending on complexity. Processing times indicated: rapid initial handling for simple declarations, expert appraisal and compensation variable according to the nature of the claim and the need for technical intervention.
- contact channels: e-mail, telephone, online insured area
- accompaniment: advisor or claims handler assigned as appropriate
- times: rapid file opening, variable technical instruction
What do other users think?
Summary of policyholder feedback: recurring positive trends and most frequent criticisms. Positive points: rapid quotation process, ergonomic online interface, rapid issuance of certificates for compliance. Frequent criticisms: limits on ceilings for major works, need for endorsements for specific work, expert appraisal times for complex claims. Summary:
- Positive points: fast quotes, easy to obtain certificates, digital interface
- Negative points: ceilings sometimes limited, lead times for technical files, exclusions on certain work
Can I easily change later?
Cancellation and change of insurer: cancellation possibilities according to applicable laws (examples: Hamon law for cancellation at any time after the first year, infra-annual cancellation if applicable according to current regulations). Transfer period: the new insurer issues a new certificate once the policy has been taken out and the risk accepted. Changeover procedure often subject to justification of continuity of coverage for ongoing works.
Market alternatives according to need:
- damage-ouvrage insurance for rapid compensation
- specialized offers for major works
- tailor-made contracts via brokers for specific risks
Alternatives
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Specializing in business creation, sales and digital marketing, he puts his expertise at the service of users to help them identify the solutions best suited to their needs. Passionate about digital innovation and optimizing online performance, Alexis is committed to providing detailed, transparent and unbiased comparisons.
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