Property damage and loss of business

Our Property Damage department ensures the sustainability of your assets and your operating result by setting up appropriate financing tailored to your needs in the event of a claim.

Contact us

Do you know what risks threaten your production units and industrial assets?

We help you evaluate them, implement necessary prevention measures, and choose the most suitable insurance for your profile: activity, area, type and value of assets, prevention methods, and related contracts (lease, subcontracting, leasing...).

The subscription of a Property Damage contract aims to protect your company from the consequences of the following events:

  • fire, explosion, and lightning strike
  • Water damage
  • Theft and vandalism
  • ice break
  • natural disasters
  • storm, hail, and snow
  • Acts of terrorism and attacks
  • riots and popular movements
  • Collision of land vehicles
  • collapse
  • brew machines and computers
  • and more generally any material damage of sudden and accidental origin.

In addition to insurance for direct material damage, business interruption insurance allows your company to compensate for the loss of gross margin that results from it and to continue to meet its fixed expenses by covering permanent overhead costs.

The objective is to restore the company to its financial situation before the incident.

For certain activities, operating losses can be replaced by additional operating expenses that cover the exceptional costs incurred to maintain the activity.

Our clients

  • SMBs
  • SMEs
  • French companies including those with international exposure
  • Large accounts

Our sectors

Why choose Howden?

Howden, through its Property Damage Department, offers its experience and skills to define, after auditing and studying your risks, insurance solutions to best meet your needs:

  • Sharp expertise Specialization in the needs of SMEs,  SMIs and middle market companies.
  • Privileged access to the market : relations solides et de confiance avec des assureurs et des réassureurs locaux et internationaux
  • Specialized services We offer you a team that brings sector-specific expertise.
  • Optimal reactivity Ability to adjust solutions according to the evolution of the insurance market.
  • Innovative and close approach : our regional and international scope sets us apart from the traditional market, enabling us to offer quality service and innovative investment solutions (parametric hedging, etc.).

 

Chiffres-clés

1 257 M€

C'est le coût des sinistres en dommages aux biens supérieurs à 2M d'euros enregistrés en 2023.

52,1 Md€

C'est le montant des prestations versées en assurance de dommages et responsabilité en 2023.

6,5 Md€

C’est le coût total des sinistres climatiques en 2023.

Contact

Photo of Olivier Guénot

Olivier

Olivier Guénot

Director of Property Damage Line
Photo of Olivier Guénot

Olivier Guénot

Director of Property Damage Line

With a career kick-start at GRAS SAVOYE, Olivier later spent over two decades with Anglo-Saxon brokers, holding roles such as Middle Market Manager. Now, as part of Howden France, he leads the charge on specialized Middle Market Property and Liability for both national and international clients. Olivier's expertise shines in structuring and driving the newly formed team, covering all aspects from regional offices to Paris

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