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ǿմý Commercial in France

Whether you're a mid-corporate or large multinational business, ǿմý Commercial in France is your partner to manage the fast-evolving risks of today and tomorrow. We are the ǿմý center of expertise for corporate and specialist risk insurance.
At ǿմý Commercial wework together for yoursuccess, preparing you forwhat’s ahead.
This overview is for reference only. It does not detail the conditions, limitations or exclusions ofthe cover.
Please see the policy wording for further details.
Offered by ǿմý Global
Corporate & Specialty SE (AGCS)
We develop customized insurance, reinsurance and other non-traditional risk management solutions for a broad range of corporate and financial clients worldwide.
Offered by ǿմý Global
Corporate & Specialty SE (AGCS)
Since the early days of aviation, we've provided airline insurance to all types of operator, from cargo and low-cost airlines to major fleets and national flag carriers.
Offered by ǿմý Global
Corporate & Specialty SE (AGCS)
We insure all types of general aviation risks: from single aircraft on a ‘private business and pleasure’ basis to the largest commercial fleets.
Offered by ǿմý Global
Corporate & Specialty SE (AGCS)
We provide tailored aerospace insurance to a wide range of clients, fromaerospace giants to small OEM suppliers and refuellers, covering all types of damage and liability.
Offered by
ǿմý France
We cover accidental death and disablement suffered by the insured's employees during their employment with the company.It insures against various types of accidents under several circumstances (e.g. 24/7 cover, business travel, expat assignments).
Offered by ǿմý Global
Corporate & Specialty SE (AGCS)
We offer a range of products, from standalone cyber insurance to integreated coverage, safeguarding large organizations against digital threats and cybercrime.
Offered by
ǿմý France
Ourcyber insurance provides coverage against self-inflicted or third-party damages, crisis consulting, and risk management for mid-sized companies.
Offered by ǿմý Global
Corporate & Specialty SE (AGCS)
Whether you need entertainment insurance for a film, TV show, whether for theatrical release or for streaming, we cover all elements required to bring the project to life.
Offered by
ǿմý France
We provide coverage (e.g. cancellation, mobile equipment, event liability, group personal accident) for different kinds of events (corporate, sport or live events).
Offered by ǿմý Global
Corporate & Specialty SE (AGCS)
Our D&O insurance shields company managers of large companies from claims and reimburses the insured company for settlements paid on behalf of managers.
Offered by
ǿմý France
We protect managers, supervisory board members, and executives of mid-sized companies from claims by their own company as well as from third parties.
Offered by ǿմý Global
Corporate & Specialty SE (AGCS)
We provide a strong product offering for financial institutions via a suite of products, either with stand-alone coverage or on a blended basis.
Offered by
ǿմý France
Fire, theft, breakage and depreciation cover for works of art or works of significant historical interest, including works on temporary display abroad.
Offered by
ǿմý France
Cars, commercial vehicles, construction machines, trucks: Cover all your vehicles with a single policy.
Offered by
ǿմý France
Extend cover to your employees' personal vehicles when they are occasionally used for company business.
Offered by ǿմý Global
Corporate & Specialty SE (AGCS)
We offer a range of general and specialist liability insurance products, covering personal or bodily injury, property damage and pure financial loss.
Offered by
ǿմý France
Any business activity involves the civil liability of the company.
There are many different situations and different solutions to protect your business and assets in all circumstances.
Offered by ǿմý Global
Corporate & Specialty SE (AGCS)
We offer a range of general and specialist liability insurance products, covering personal or bodily injury, property damage and pure financial loss.
Offered by
ǿմý France
Limit the financial impact of environmental risks. Environmental liability insurance covers the cost of repairing any damage caused or suffered.
Offered by ǿմý Global
Corporate & Specialty SE (AGCS)
Hull and machinery coverage for all types of blue- and brown-water shipping, plus shipyards and building risks, as well for mega yachts, yachts and pleasure craft.
Offered by ǿմý Global
Corporate & Specialty SE (AGCS)
Comprehensive insurance for all stages of the distribution chain, including goods in transit, storage risks, global programs and project cargo for specialist shipments.
Offered by
ǿմý France
Our range of transport insurance solutions are tailored to the needs of small and medium sized businesses, whether they transport their own material and goods or they are part of the transportation value chain as carrier or as freight forwarder.
Offered by ǿմý Global
Corporate & Specialty SE (AGCS)
We cover diverse engineering sectors, including power, utilities, and transportation. We also provide solutions for complex energy challenges and renewables/green energy.
Offered by
ǿմý France
We cover diverse damage during construction and offer liability and essential guarantees.
Offered by
ǿմý France
Cover for damage to property and equipment in use as a result of fire, power surges, breakdown, theft or storm.
Offered by ǿմý Global
Corporate & Specialty SE (AGCS)
We specialize in providing property damage and business interruption insurance to large international companies, leveraging our global network to address all risk portfolios.
Offered by
ǿմý France
Insure your property and business premises to ensure the long-term future of your business.
Offered by ǿմý Global
Corporate & Specialty SE (AGCS)
We offer crisis management solutions, providing innovative assistance in handling various crisis scenarios such as terrorism, political violence, and hostile environments.
Offered by
ǿմý France
Covers breakage, accidental destruction of machinery and consequential operating losses, including during assembly/disassembly and removal.
Offered by
ǿմý France
A comprehensive range of products and services tailored to the needs of the wine and spirits industry.

ǿմý Commercialis part of one of the world's strongest financial services groups and the.When you partner with us, you partner with ǿմý Group — and its sister companies.

Throughǿմý Trade, we offer a comprehensive range of solutions for managing commercial credits between companies. ǿմý Trade is the global leader in trade credit insurance and a recognized specialist in the areas of surety, debt collection, fraud insurance, structured trade credit and political risk.

ǿմý Trade gives companies the confidence to trade, and be paid: They compensate your company in the event of a bad debt, but more importantly, they help you avoid bad debts in the first place.

Whenever ǿմý Trade provides trade credit insurance, surety bonds or other finance solutions, the priority is on predictive protection. Its international surveillance network monitors and analyzes the financial stability of 83 million companies across all sectors in 160+ countries. And when the unexpected happens, their AA credit rating (Standard and Poor’s) means they have the resources to provide compensation to maintain your business.

We will consider every risk on its own merit.Capacity and coverage offered to individual clients subject to hazard, Nat Cat exposure, grading, terms & conditions.
The products and services described on this page may not be available in all locations. This is for your general information only.

Structured multi-year/multi-line solutions

  • Address gaps caused by non-availability of traditional cover, e.g. Commercial Auto,
  • Property, D&O
  • Often contain elements of risk financing/profit sharing, for clients who want to retain risk,
  • but still need to manage volatility
  • Bespoke solutions that manage risk in an integrated way across lines and years
  • Long term arrangements, but able to adapt as needs change

Captive Solutions

  • Multi-line and multi-year global fronting as a stand-alone service
  • Structured per event and aggregate excess of loss captive reinsurance

Virtual Captive Solutions

  • Insurance framework designed to create the economic benefits of a captive, when anactual captive is not a viable option
  • Broad range of P&C lines of business or a combination thereof: from annual single line captive stop loss through to multi-line, multi-year insurance and reinsurance solutions.
  • Can include both traditional and non-traditional elements, including parametric triggers.
  • Global Fronting capability expands across 200+ countries and on a multi-line and multi- year basis, if needed.
  • Transactions up to 5 years tenure.
  • Capacity typically €25mn per occurrence, €50mn per annum (or equivalent in other currency), but can be lower or higher depending on structure.
  • Risk Financing structures work best where traditional RoL > 10% and/or when the cost of combined average claims in the long term is significantly lower than the equivalent external premium spend
  • Reinsurance for insurance companies
  • Financial risks coverage; e.g. mortgage portfolios, capital relief
  • Unmitigated credit risks
  • Life insurance
  • Business and systematic risks
  • Airlines (underwritten from London desk)
  • New business (especially as Lead)
  • Start-up airlines
  • Broad appetite to grow across portfolio
  • General Aviation
  • Lead as well as co-insurance business
  • Commercial fixed and rotor wing
  • Industrial Aid
  • Broad appetite to grow across portfolio
  • Middle East region in geographical scope
  • Drones (geographical scope Europe / French wordings only)

Airlines: Average target line 10% (12% in US for lead Business)

General Aviation: US$ 150m (Liabilities), US$ 75m (Hulls)

Airlines: Banks and Lessors Contingent; Hull Deductible; and Hull War

General Aviation:Hi/Lo business (except Canada); Agriculture; Stand Alone Hull War

  • Pharmaceutical
  • Medical Device
  • Indemnity to the insured as “trial sponsor”, including pharmaceutical companies and contract research organisations
  • Liability for injury to a trial participant, including no-fault compensation where required
  • Coverage can be provided for the full length of the trial
  • Fully admitted policies in each territory in local language
  • Compliance with the local level of cover in all territories
  • Up to €50m for Multi-Center Trials
  • Trials involving pregnant Women
  • Xenotransplants
  • Gene Therapy
  • Cell Therapy
  • Pure surgical procedures (where no drugs nor medical devices are tested)
  • Trials involving the deliberate transmission of infectious agents to participants
  • From smaller to large size companies with international subsidiaries
  • Offering across all Industries for both private and public companies
  • Primary and excess positions
  • Broad product offering including standalone EPL, POSI and Crime solutions
  • Directors and Officers Liability inclusive of Side A; up to €20m
  • Employment Practices Liability (EPL);up to €10m
  • Prospectus Liability (POSI);up to €10m
  • Crime;up to €5m
  • Standalone POSI
  • SPACs

EAR/CAR - Course of Construction

  • Annual Policies / Open Covers (Contractors, Owners / Principals)
  • Civil Engineering projects
  • Buildings
  • Manufacturing plants (all industries)
  • Oil & Gas (excluding Oil Sands)
  • Mine development (excluding termal coal)
  • Conventional Power (excluding coal)
  • Renewable energy (Onshore Wind, PV, Hydrogen)


  • Civil Engineering structures


  • Commercial IDI
  • Coverages
  • High Nat Cat areas (single risks and accumulation with open covers)
  • High DSU exposures
  • Unproven technologies
  • Occupancies
  • Waste to Energy
  • Biomass
  • Hydro Power
  • Underground mine development
  • Timber / Wood frame construction
  • EAR/CAR - Course of Construction
  • Coal
  • Oil Sands
  • Geothermal power plants
  • Solar Thermal power plants


  • Residential IDI
  • EAR/CAR - Course of Construction; up to €200m

  • Single Projects, Annual Policies/ Open Covers including TPL, CPE, DSU

  • CECR / Operational Infrastructures (combined with CAR); up to €200m
  • Inherent Defect Insurance (combined with CAR); up to €25m

  • Inherent Defect Insurance
  • Selective growth appetite across virtually all industries, but with focus on per-account risk quality.
  • Preference for excess positions.
  • Primary stand-alone Cyber; up to €10m
  • Excess Cyber; up to €10/15m
  • Technology PI; up to €10m
  • Media PI; up to €10m
  • Cryptocurrency
  • Payment processors
  • Pay day loan companies
  • Air traffic controllers
  • Adult entertainment
  • Online gambling
  • Central reserve banks
  • Offshore Energy
  • Oil and Gas E&P assets
  • FPSOs
  • Offshore Wind

Onshore Energy

  • Refining and Petrochemical assets
  • LNG processing
  • Chemical Fertiliser Plants
  • Renewables

- Wind

- Solar PV

- Hydrogen

- Hydro

- Carbon Capture

  • Conventional Power Plants
  • Mining
  • Thermal Coal
  • Mine Tailings Dams
  • Underground Mining
  • Tar Sands
  • Waste to Energy
  • Geothermal
  • Solar Thermal
  • Stand-alone fracking
  • Stand-alone drilling and land-rigs
  • Offshore Energy

  • Construction and Operational PD/BI/DSU
  • Onshore Energy

  • Operational PD/BI
  • Up to €200m
  • Global Advertising Wrap-up/DICE Insurance Programs
  • Global Motion Picture / TV Programs
  • Theatrical and Global Conferences & Exhibition Programs
  • Production

  • Motion Picture Studio Productions
  • TV Production
  • Independent Films
  • Advertising Agency DICE Wrap-Ups
  • DICE: Documentaries, Industrial, Commercials and Educational productions
  • Live – Events & Sports

  • Touring Entertainers
  • Festivals
  • Concerts
  • Live Events
  • Event Promoters / Producers
  • Sport events/ teams/ leagues/ federations
  • Corporate events/ fairs/ exhibitions
Communicable Disease, Cyber
  • Production Portfolio
  • - Cast
  • - Extra Expense
  • - Props / Sets /Wardrobe
  • - Miscellaneous Equipment
  • - Media: Negative Film & Faulty Stock
  • - Third Party Property Damage
  • - General liability
  • Contingency:
  • - Cancellation
  • - Non-appearance
  • - Transmission Failure
  • - Over redemption
  • - Event organiser liability
  • Large accounts and Middle market business in the following:
  • Manufacturing/ Process Industries
  • Energy (downstream)
  • Construction (practice and projects)
  • Real Estate
  • Retail Trade
  • Premises Pollution
  • Contractors Pollution
  • Up to €25m
  • Mining
  • Offshore
  • Nuclear
  • Hydraulic fracturing
  • Broad appetite across Financial Services with focus on Banks Insurance companies and traditional asset managers
  • Appetite for Large accounts and Middle market business
  • Broad product offering including D&O, FIPI, FICRIME and EPL
  • FI D&O; up to €25m
  • FI PI; up to €15m
  • FICRIME; up to €15m
  • EPL; up to €10m
  • Investment Banking E&O, stockbrokers, REITS
  • Cryptocurrency – digital assets
  • ʴ’s
  • Construction
  • Pharmaceuticals / Life science
  • Telecoms / IT
  • Product / High Tech Manufacturing
  • Manufacturing (B2B, B2C)
  • Tailor made International Programs
  • Primary and Excess layer
  • Comprehensive wordings as per market standard
  • Up to €100m, depending on trade and individual risks
  • Waste Disposal/Recycling
  • Firearms
  • Helmets
  • Child Safety Seats
  • Automotive Recall
  • Amusement, Gambling & Recreation Industries
  • Healthcare Providers
  • Medical Malpractice (incl. Hospitals)
  • Cannabis/Tobacco/E-Cigarettes
  • Residential Real Estate
  • CPI
  • Complex business that requires local policies, risk controls and tailored underwriting/claims expertise
  • Multinational and Captive Program
  • Appetite for risks in a wide range of industries with a focus on risk managed accounts (e.g. manufacturers, importers/exporters and traders)
  • Stock throughput policies and transit programs
  • Project Cargo incl. Delay in Start-Up
  • Willingness to take on Lead positions
  • International Transit, Domestic Transit; US$100mn
  • Stock through-put; US$100m
  • Project cargo, Delay in Start-Up;US$100m
  • Tailored coverages with specialized wording linked to industry segments;US$150m
  • Large logistic company (above $1 bn turnover)
  • Commodities (mainly capacity provider)
  • Car account
  • Blue Water Hull
    - Chemical / Product / Crude Oil Tankers
    - LNG / LPG / LNP Carriers
    - Offshore Supply / Support vessels
    - Bulkers
    - Container vessels
    - Cargo carriers
  • Marine Liability (Including Marine Property)
    - Port & Terminals including Marine Property (as Follower)
  • Specialized binders and facilities (e.g. super yachts)
  • Blue Water
  • Pleasure Craft
  • Builder’s Risk
  • Marine Liability(Including Marine Property)
  • $75m
  • Fishing Vessels
  • Livestock carriers
  • Beverages
  • Pharmaceutical Product Distributors
  • Fabricated Metal Products
  • Electronic Equipment Manufacturers and Suppliers
  • Legal and Educational Services
  • Clothing stores, Home furnishings and equipment stores
  • General Merchandise Stores
  • Food Stores
  • Commercial Real Estate
  • Hotels and Lodges
  • Medical Facilities
  • All Risks and Natural Catastrophe Property Damage and Business Interruption
  • Up to €100mn
  • Oil, Petroleum and Chemicals
  • Rubber Product Manufacturing
  • Pulp and Paper
  • Textile Mills & Factories
  • Public Transportation
  • Forestry, Fishing and Mining
  • General Warehousing and Storage
  • Meat, Poultry, Pet Food, Sugar, Grain Mills
  • Saw Mills and Wood Products
  • Plastics Products Manufacturers
  • Primary Metal Industries
  • Tobacco Products
  • From smaller and to large size companies with international subsidiaries
  • Offering across all Professions
  • Primary and excess positions
  • Ability to offer multi-product solutions in the Construction industry
  • Commercial PI (e.g., Accountants, Architects, Engineers, Solicitors); up to €15m
  • Single Projects PI; up to €10m
  • Large Lawyers, Construction and Accountants companies
  • Surveyors
  • SPPIs

Service Orientated Occupancies such as:

  • Financial & Professional Services
  • Real Estate
  • Public Sector & Education
  • Hospitality & Leisure
  • Retail Trade
  • Airports, Transport & Logistics
  • Healthcare

Manufacturing/Process Industries such as:

  • Technology, Media, and Telecom
  • Manufacturing and Metalworking
  • Lifesciences and Cosmetics
  • Beverages
  • All Risks and Natural Catastrophe Property Damage and Business Interruption
  • Up to €300m
  • Waste disposal/recycling
  • Agriculture and forestry (incl. livestock/animal farms and growing/standing crops)
  • Coal-based companies
  • Food processing of meat products
  • Commercial Real Estate
  • Financial Institutions
  • Manufacturing Industry
  • Construction/Engineering projects
  • Entertainment/Sport/Film
  • Pharm/Chem
  • Telco/Media/IT
  • Terrorism, Sabotage, SRCC, Rebellion, Revolution, Mutiny, Insurgency, Counter-Insurgency, Coup de état, Civil War & War; up to €100mn
  • Terrorism Liability (T3L)
  • Terrorism Event Cancellation
  • Active Assailant; up to €50mn
  • Nuclear, Chemical, Biological & Radiological Terrorism
  • Airports and Aerospace
  • Rail Operators/Public Transport
  • Security Companies
  • Nuclear Power Plants
  • Religious buildings/Places of worship
  • Governmental, Military and Police buildings
  • Embassies and Consulates
  • Mining
  1. Cyber incidents (40%) - 2022 rank: 2 (48%)
  2. Business interruption (32%) - 2022 rank: 1 (51%)
  3. Energy crisis (28%) - NEW
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Esplanade Sud – Quartier Michelet
1 Cours Michelet
92800 Paris