Professional Multi-risk insurance provides you with complete coverage for your property and liabilities.
The guarantees offered are as follows:
Fire, Theft, Water damage, Glass breakage, Machinery Breakdown, Computer All Risks, Company Manager CL
Professional Multi-risk insurance provides you with complete coverage for your property and liabilities.
The guarantees offered are as follows:
Fire, Theft, Water damage, Glass breakage, Machinery Breakdown, Computer All Risks, Company Manager CL
Your buildings, your facilities, your equipment are an important heritage that must be protected, whether you are a tenant or an owner.
For you, we cover:
Compensation from SAAR covers:
SAAR guarantees the reimbursement of material damages caused accidentally:
The Glass Breakage Warranty covers:
Its aim is to protect your machine park.
SAAR covers you against breakdown caused to your:
This guarantee normally comes into effect from when a machine is put into service till when it is taken out of service. Travel, maintenance and repair periods are also covered by SAAR.
The risks covered here take into account:
Civil liability is the legal obligation to compensate for damage that a natural or legal person has caused to a third party.
In the course of your professional activities, the operation of your business, the marketing of your products or their use, or the services you provide, you may cause damage to your employees, customers or other third parties.
This is why a business manager’s civil liability insurance is indispensable. It is a cover, a security. It allows you to secure a long lifespan for your company in the face of major risks. Thanks to it, you can guarantee:
In business manager liability insurance, a distinction is made between:
It covers only damage caused in the course of the company’s business.
Pro CL covers you when the loss results from the company’s services.
It allows you to answer for an error, fault, omission or any damage to someone or something, as the basis of professional coverage.
The premium for business manager’s civil liability insurance is calculated on the basis of the turnover, staff number and, above all, activities carried out by your company.
To subscribe or for further details, please contact us.
Any damage to one of your machines can affect the rest of your business.
Usually the machinery breakdown insurance is included in the professional multi-risk contract. However, when you have expensive, new or leased machines, it is advisable to take out a specific contract. This insurance provides optimum protection for your machine park.
SAAR covers you against breakdowns and malfunctions occurring on your:
To subscribe or for further details,please contact us.
“Global Banking” insurance is a comprehensive offer for financial institutions. It covers the following risks:
To subscribe or for further details, please contact us.
The construction of a building is an operation that requires the mobilization of financial and human resources. CAR insurance is subscribed by a legal or natural person who undertakes construction work; and who intervenes in the capacity of owner of the operation, or in the capacity of seller, agent of the project.
Throughout this process, the construction site is exposed to damage that can result from several factors:
The construction sites must be insured in case of damage and for civil liability. The following are thus covered:
The guarantee takes effect from the date of the declaration of opening of the construction site until the acceptance of the work, i.e. during the construction period itself.
In the event of a claim, SAAR compensates you without prior investigation of liability.
To subscribe or for further details, please contact us.
This guarantee is often associated with the Construction All Risks, and is specifically applied to the assembly operations of machines, plants, technical facilities, industrial units and metal constructions.
The key difference between CAR and EAR coverage lies in the testing, tuning and commissioning of the machines at the end of the erection work, hence the name often used for EAR which is “Erection/Testing All Risks”.
Where a site involves building or Civil Engineering and Engineering, it is the predominance (in terms of capital) of the building/civil engineering or engineering that determines the nature of the coverage: EAR or CAR.
To subscribe or for further details, please contact us
Fire causes huge damage and without any protection you risk losing:
By subscribing to Secup 2000, your assets are secured.
Below is a simulation
Building value or rental risk (CFA) | Value of contents (CFA) | Annual premium excluding tax (CFA) |
---|---|---|
15000000 | 2000000 | 20400 |
25000000 | 2000000 | 32400 |
40000000 | 3000000 | 54600 |
To subscribe or for further details, please contact us.
Transport insurance was created to cover risks related to the transportation of goods by land, sea or air (Example: damage, theft, late delivery, etc.).
SAAR guarantees goods handed over either to transport auxiliaries to be entrusted to public, air, maritime, rail or road carriers, including the Postal Administration, or directly to its carriers for transportation by land, in accordance with the regulations in force or recognised trade practices.
It applies to goods that are new, prepared or packaged for shipment.
Damages and losses can be covered by “All Risks” or “Characterized Accidents” insurance.
To subscribe or for further details, please contact us.
It covers loss and damage to goods caused by an event listed in the policy.
You can choose between 3 types of contract:
It covers specific goods on a well-defined route.
It is of indefinite duration. The insured shall inform the insurer of the total value of the goods and the number of shipments planned.
You simply have to inform SAAR each time a trip is undertaken.
You have the possibility to subscribe by filling in the online questionnaire, wherein a quotation will be made and you will be contacted as soon as possible.
In this insurance, the insurer covers material damage and loss as well as loss of weight or quantity of the insured goods.
It only covers new goods. It does not cover all risks, some risks are formally excluded.
Civil liability is the legal obligation to compensate for damage that a natural or legal person has caused to a third party.
Operating civil liability covers the liability your business may incur as a result of its operations. It is coverage for damage you may cause in the course of your business.
If you or your employee, your subcontractor, cause damage to a third party; an object, a material that you use causes damage to a third party, your civil liability is engaged. It is this insurance that will compensate for the damage caused.
Damages can be bodily (injury to the physical integrity of a person), material (destruction of property), and immaterial (consecutive or non-consecutive).
Excluded from this contract are members of your family, your home servants, agents and employees.
Operating CL is different from Professional CL in the sense that your professional civil liability is engaged if a third party suffers damage as a result of your activity or your products. On the other hand, operational CL covers damage caused to third parties in the course of the daily life of the company, without being linked to the performance of your services.
To subscribe or for further details, please contact us.
Civil liability is the legal obligation to compensate for damage that a natural or legal person has caused to a third party.
In the course of your professional activities, the operation of your business, the marketing of your products or their use, or the services you provide, you may cause damage to your customers or other third parties.
This is why a professional civil liability insurance is indispensable. It is a cover, a security. It allows you to secure a long lifespan for your company in the face of major risks. Thanks to it, you can guarantee:
You have to distinguish between:
It covers only damage caused in the course of the company’s business.
Pro CL covers you when the loss results from the company’s services.
It allows you to answer for an error, fault, omission or any damage to someone or something, as the basis of professional coverage.
The insurance premium for professional civil liability is calculated on the basis of the turnover, staff number and, above all, activities carried out by your company.
To subscribe or for further details, please contact us.
Civil liability is the legal obligation to compensate for damage that a natural or legal person has caused to a third party.
Civil Liability during work and after delivery repairs bodily injury, material, immaterial (consecutive and non-consecutive) damage caused to a third party, in the course of your professional activity.
If you have delivered a product that does not meet the customer’s expectations, in accordance with your specifications; If you deliver a product that causes damage to a customer (Examples: the installation of a faulty meter that explodes and creates a fire at the customer’s home; After the commissioning of a construction site, there is pavement subsidence); Your civil liability is engaged.
To subscribe or for further details, please contact us.
Decennial civil liability insurance is a guarantee that every building constructor (craftsman, property developer, builder, contractor) must take out.
This insurance protects the builder’s civil liability for ten years after the acceptance of the work.
It makes it possible to finance repair work in the event of damage noted by the owner of the work.
This warranty covers construction defects that may compromise the solidity of the structure (example: subsidence of a structure), its habitability (water and airtightness problem), or that may render it unfit for its intended use (example: malfunction of the sewer system).
The decennial guarantee covers the foundation, framework, viability, enclosure and covered works.
It does not cover aesthetic damage, damage resulting from the actions of a third party or related to the behaviour of the building’s occupants.
To subscribe or for further details, please contact us.
Guarantees lighten the cash flow of companies by allowing them:
Surety guarantee is a contract by which SAAR undertakes to reimburse the commitments of the insured when the latter defaults.
We accompany you in the following types of guarantees:
To subscribe, we invite you to contact us so that our manager can provide you with all the documents required for the analysis and establishment of your insurance policy and the certificate of guarantee.
To subscribe or for further details, please contact us.
Saar Travel Assistance guarantees the insured with immediate assistance in the event of urgent, unforeseeable and fortuitous difficulties that may arise during a stay abroad, exclusively in the following cases:
N.B. All services must be subject to the prior approval of MAPFRE ASISTENCIA France, which can be reached on 00 33 4 37 28 98 99 within France or on 33 33 4 37 28 98 outside France.
Do you wish to make a real estate purchase and borrow over several years? Subscribe to real estate loan insurance, also known as loan insurance.
This insurance guarantees that your loan will be repaid in the occurrence of a serious event.
SAAR allows you to prevent your loved ones from having to pay back your loan as a cumbersome financial burden, if something happens to you. Or simply that your standard of living and that of your family changes due to your inability to repay your loan.
To subscribe or for further details, please contact us.
Multi-risk home insurance is a coverage that protects your home, its occupants, your property and your civil liability towards third parties against possible accidents in return for a premium.
Home insurance offers optimal coverage. It takes care of:
Family heads and any person with dependent descendants, owners or tenants of a house.
Kindly contact us, and a manager will advise you and determine your premium.
You will have to fill in a form with information about your accommodation, its surface area, contents, number of inhabitants, your profile (if you are a landlord or tenant), any past disasters, etc.
Joker Familial is tailored to allow you benefit from the guarantees of multi-risk home insurance at a flat rate.
To find out how this offer works, kindly contact us and a manager will advise you and determine your premium.
Head of family civil liability refers to the legal obligation to compensate for damage committed to a third party by yourself or a relative living in your household.
For this liability to be engaged, the victim will have to establish evidence of fault and damage, as well as a causal link between the two.
This insurance covers material and immaterial damages caused by:
You will find this guarantee in your multi-risk home insurance policy.
To subscribe or for further details, please contact us.
By virtue of your individual accident contract, SAAR guarantees the payment of the capital sums provided for in the event of:
Under this contract, accident refers to any unintentional bodily injury suffered by the victim and arising from the sudden action of an external cause.
To subscribe or for further details, please contact us.
In the event of the accidental death of the insured, SAAR undertakes to make available to his heirs, the capital determined by the insured himself.
In the event of permanent and total disability resulting from an accident, SAAR will pay the insured, on the basis of the degree of disability determined after a counter-assessment, the maximum capital determined by the insured.
The insured will receive compensation proportionate to the degree of disability determined after a counter-assessment.
N.B. It should be noted that death and total disability benefits cannot be cumulated.
Thanks to his health card, the insured benefits from direct coverage. Or, SAAR reimburses up to the ceiling provided, the disbursements made by the insured, upon presentation of supporting documents.
SAAR’s health insurance covers the reimbursement of expenses incurred after an illness or accident. Therefore the company guarantees, within the limits chosen by the insured, the reimbursement of medical, hospitalization, pharmaceutical, surgical, preventorium, sanatorium, laboratory or radiology expenses…
Thanks to our Health products and our network of partners, you benefit from local and international coverage.
To subscribe or for further details, please contact us.
Since beyond age 65, you are generally excluded from standard health policies;
Given that costs of care are often high in hospitals abroad, and the insurers’ coverage is capped;
Considering that there are few individual insurance products on the market at affordable prices;
Mindful that a state-of-the-art technical platform is necessary to detect anomalies and take action, or even treat so-called heavy pathologies;
Aware that booking an appointment with a specialist abroad is cumbersome;
Cognizant that costs of travelling abroad are high;
Conscious that a complete medical check-up abroad is expensive;
SAAR INSURANCE has created your health insurance solution with unlimited health care coverage, at an affordable price and a state-of-the-art medical service. In partnership with the University Clinic of Navarra, a pioneer in worldwide research and the use of advanced technology.
Saar Santé Confort offers you excellent health coverage with advantages linked to subscription to the product:
Any individual aged 65 or younger at the time of subscription
Any company or association for its staff and members
You can subscribe to the product from €150 excl. tax/year.
To get a quote, simply fill out the “health questionnaire” with information about your identity, age, location, medical history and choose one of 3 coverage schemes:
To subscribe or for further details, please contact us.
You can subscribe to the product from €150 excl. tax/year.
To get a quote, simply fill out the “health questionnaire” with information about your identity, age, location, medical history and choose one of 3 coverage schemes:
To subscribe or for further details, please contact us.
A “3” in “1” contract!
Thanks to this product, SAAR offers you a compilation of 3 risks:
Saar Santé guarantees, within the limits of the reimbursement ceiling, the coverage of the following travel risks:
Important advantages of the product
Anyone already subscribed to a SAAR health policy.
To get a quote, simply fill out the “Sickness and Assistance” form with information on your age, country of stay and duration, your medical history and choose one of the 3 coverage schemes:
To subscribe or for further details, please contact us.
Have you thought about taking care of the health of your relatives living in rural areas?
This is possible thanks to our product MC2 Santé.
Any person wishing to take cover the health care of a parent living in a rural area. The parent must be a member of an MC2 and be at most 65 years old.
CFAF 10 000 excl. taxes per person yearly.
To subscribe or for further details, please contact us.