Failure to protect work equipment, an error in the latest tax return, a delay in sending out the minutes of general meetings... if the personal liability of a company director is called into question by one of his partners, his shareholders or even the tax authorities, the DIRIGEANT insurance policy provides solid cover.

Unlike professional civil liability, which is designed to protect the company's business, Directors' and Officers' Civil Liability (DCL) protects the director in the event of fault, negligence or omission in the performance of his or her duties.

Contrary to popular belief, a company cannot legally cover the costs of defending or indemnifying its directors who are accused of misuse of corporate assets. This is why it is essential to take out an RCMS policy: it protects the executive's personal assets by covering his or her civil and criminal defence costs, as well as the damages he or she is liable to pay.

The DIRIGEANT package is aimed at anyone mandated to manage a company based in France and covers claims from anywhere in the world (excluding the United States, Canada, Australia and New Zealand). No executive needs to be named: everyone is covered, past, present and future.

Financial coverage in the event of a civil or criminal claim 

• No deductible depending on the nature of the claim
• Free choice of lawyer
• Full coverage of defence costs up to the final decision
• Recourse cover to obtain compensation for damages
• Cover for extradition costs, setting up a criminal surety, environmental damage, emergency costs and reimbursement of fees paid in advance, damage to the executive's reputation
• Protection for the subscriber company in the event of joint prosecution with an executive or in its capacity as director of its subsidiaries
• Repatriation costs to enable an executive travelling in France or abroad when an incident occurs in his or her company to return as quickly as possible to where he or she is needed

Legal assistance and support

• Our legal experts are on hand to answer any questions you may have.
  Contact us by telephone Monday to Friday from 8am to 8pm and Saturday from 8am to 6pm.

Support to get your business back up and running in the event of a disaster:

• Rehabilitation of the company's brand image: recommendations for communication actions, 
  in-depth diagnosis, monitoring and analysis of the impact of these actions if necessary
• Financial support for the company in the event of an accident preventing the manager from working

Psychological support

• Immediate
  On request
  In strict confidence

Optional: Tax Legal Protection, which covers the costs of accountants and tax specialists in the event of an URSSAF or tax audit, both for the company and for the executive personally.

Thanks to delegation, you can price and underwrite the DIRIGEANT offer independently on your MMA extranet. You also have access to documentation on the offer.