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Simplis Décennale: presentation, guarantees and limits in 2026
Simplis Décennale offers dedicated insurance for building professionals, designed to cover decennial liability linked to construction and renovation work. The policy falls into the category of mandatory professional insurance for many construction trades, with coverage geared towards repairing damage affecting the solidity of the structure or rendering it unfit for its intended use for 10 years. This page details the main coverages, additional options, contractual limits, underwriting terms and a summary comparison with other offers in the same category.
.Feedback on Simplis Décennale
Frequently used for small to medium-sized worksites, Simplis Décennale is mostly underwritten by craftsmen, general contractors and self-employed contractors involved in construction and renovation. A regularly-reported strong point: the simplicity of the main coverages clearly identified in the contract, making it easy to read the obligations and exclusions for standard projects.
Particularly relevant for profiles with localized worksites and limited volumes of work, the offer proves suitable for companies seeking standard decennial coverage without complex options. Performance observed on simple files and routine claims linked to clearly identified structural defects during the ten-year period.
Limits observed: delays in investigating certain claims deemed long depending on the volumes documented, deductibles applicable on certain cover, and frequent exclusions linked to undeclared work or temporary structures. Certain requests for extensions are subject to stricter acceptance conditions.
Limitations observed: long processing times for certain claims, depending on the volumes documented.When should I subscribe to Simplis Décennale?
Simplis Décennale meets the legal and technical need to cover the liability of building professionals for damage compromising the solidity of a structure or rendering it unfit for its intended use for a period of ten years after acceptance of the work. The policy covers the cost of repairs, provides claims management assistance and offers protection against claims from clients or project owners.
Profiles for which the offer is relevant: building tradesmen carrying out long-lasting work (e.g. plumbers, electricians), general contractors undertaking structural renovations, prime contractors acting as coordinators, and self-employed contractors carrying out one-off projects. Typical usage by profile: coverage of structural repairs, coverage of expert appraisal costs and defense in the event of customer recourse.
Highlighted strong point: adequacy between standard decennial coverage and legal obligations for the majority of building participants, enabling rapid contractual compliance while retaining modular options to tailor protection to specific site needs.
Simplis Décennale is easy to underwrite and manage
Moderate level of complexity for first-time subscribers: a dossier with the usual supporting documents (Kbis or registration certificate, certificate of professional qualification, worksite references, quotes or standard contracts). Standard eligibility conditions based on nature of work and sales. Certain high-risk activities may require additional examination by the insurer.
Elements facilitating underwriting and day-to-day management:
- online quotation or standardized application form
- insured space for consulting contracts and certificates
- accompaniment by broker or dedicated advisor depending on option
- claims management with documentary follow-up and digital exchanges
- possibility of adding options via an interface or in agency
Simplis Décennale rates and packages
Basic formula - Guide price: €50 to €90/month. Main warranty covering compulsory ten-year liability, coverage for basic structural damage and limited legal assistance. Profiles concerned: novice craftsmen, small businesses with low-value projects. Coverages included:
- Decennial liability for defects rendering the work unfit for its intended use
- Basic legal assistance
- Standard cover
Professional formula - Price guide: €90 to €180/month. Extended coverage including higher ceilings, additional professional liability coverage and expert appraisal costs. Profiles concerned: general contractors and craftsmen with regular work volumes. Coverages included:
- Extended decennial liability
- Operational and worksite liability
- Expert and defense costs
Serenity package - Guide price: €180 to €350/month. Complete offer with optional extras (structural damage, enhanced legal protection, extended warranty for specific works). Profiles concerned: companies working on major sites or sensitive structures requiring reinforced coverage. Guarantees included:
- High coverage ceilings
- Fast compensation subject to conditions
- Premium damage and legal protection options
Key Simplis Décennale guarantees
Main coverage: ten-year civil liability. Role: cover repairs to damage compromising the solidity of the structure or rendering it unfit for its intended use for 10 years after acceptance. General operation: compensation for the cost of restoring the building to its original state once damage falling within the scope of the warranty has been ascertained, setting up contradictory expert appraisals and intervening in accordance with the contract's ceilings and deductibles. Possible items covered:
- structural repairs
- replacement of load-bearing elements
- coverage of expert appraisal costs
Second key cover: professional and operational civil liability. Role: to cover property damage and bodily injury caused to third parties during the performance of work. General operation: coverage for damage caused to third parties by a fault, error or accident related to professional activity, with coverage for defense costs and any indemnities within the limits of the contract.
Optional and complementary guarantees: options designed to complete protection according to the specific needs of the worksite or the company's profile. Examples of frequently offered options: damage-ouvrage, reinforced legal protection, extension for specific works (swimming pools, special roofs), ten-year warranty for subcontractors and deductible buy-back.
Interest of options according to profiles: companies carrying out sensitive or high-value works may favor damage-ouvrage to speed up compensation, while multi-site structures benefit from extended legal protection to manage customer disputes. Frequently available options:
- Dommage-ouvrage
- Legal protection
- Extended coverage for specific materials or techniques
- Waiver or reduction of deductible
Ce que Simplis Décennale ne couvre pas
Common contractual exclusions and limits: purely aesthetic defects, normal wear and tear of materials, claims caused by lack of maintenance, work carried out without declaration or without compliance with standards, intentional damage or damage resulting from activities not covered by the contract. Coverage ceilings and deductibles apply according to the formula chosen; waiting periods possible on certain extensions.
Alternative insurance for needs not covered: compulsory construction damage for rapid compensation of project owners, specific worksite insurance for particular risks, professional multi-risk guarantees for property and equipment.
Main compromises to be accepted: deductible level adapted to price, limited coverage ceilings on entry-level formulas, and reinforced documentary control procedures for certain extensions. Choice of coverage level to be made according to the risk profile and contractual requirements of customers or project owners.
FAQS
Is it reliable and secure?
Fiability and compliance: indications of the insurer's financial strength, approvals and regulatory compliance. Key points:
- presence of prudential approval and supervision by the competent authority (ACPR or equivalent)
- compliance with Solvency II requirements for payment capacity
- implementation of personal data protection procedures and RGPD compliance
Is it compatible with my other tools?
Subscription methods and compatibilities: channels generally offered for contract subscription and management. Channels available:
- online underwriting via form or quote
- underwriting in branch or by appointment
- underwriting via broker or intermediary
- underwriting by telephone or mobile app
Is there responsive customer support?
Customer service and claims management: description of channels and times observed or announced. Contact channels usually offered:
- telephone with defined time slots
- online customer space and messaging
- contact by e-mail and in agency
- accompaniment by broker or dedicated advisor for certain offers
What do other users think?
Summary of policyholder feedback: positive trends and recurring criticisms. Positive points frequently mentioned:
- clarity of basic cover
- competitive pricing on entry-level formulas
- online interface for access to attestations
- investigation times considered long on complex files
- deductibles considered high by some policyholders
- restrictions on certain extensions for risky activities
Can I easily change later?
Cancellation and change of insurer: applicable terms and rights. Key points:
- possibility of annual termination according to contractual conditions and applicable law
- rights stemming from the Hamon law for contracts less than one year old (if applicable) and infra-annual termination rules according to current regulations
- notification period and conditions specified in the contract
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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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