Damages and Works


On a construction or renovation site, the project manager is the one who monitors the project and coordinates the progress of the work. This could be, for example, an architect or a design office.

In the absence of a prime contractor, it will be more difficult for individuals to take out property damage insurance, although in principle compulsory.

Let’s take stock of this issue.

Structural damage insurance is compulsory when you have a property built or renovated by professionals. It allows you, if you notice a construction defect or poor workmanship up to 10 years after delivery of the site, to be compensated by the Structural Damage insurer for the amount of the necessary work.

The latter will then turn against the project manager / company responsible for the property disorder in order to be itself reimbursed under the mandatory ten-year guarantee (or ten-year civil liability).

DO insurance must therefore in principle be "backed" by the ten-year guarantee of the project manager.

Without a professional contractor, there is no ten-year Civil Liability, and therefore the Structural Damage insurer has "no one" against whom to act next to recover the funds it has advanced to the insured.

In the absence of a prime contractor, it will be much more complicated to subscribe to a structural damage insurance contract.


The project manager could for example be:

  • An architect
  • A design office
  • A craftsman
  • A builder of detached houses

A construction or renovation without a prime contractor is similar, for many companies, to self-construction, which makes it very difficult to take out a DO contract.

All Risks Construction Insurance

All risk site insurance (or "TRC") allows the client, whether private or professional, to be covered against a large number of damages that could occur in the course of construction or renovation work.

Many risks weigh on the site on a daily basis, right from the start: human errors, natural disasters, theft, claims covered by the ten-year guarantee, etc.

Here are some of the risks that are generally covered by comprehensive construction site insurance:

  • Construction defects,
  • Negligence, recklessness ...
  • Natural disasters,
  • Slab or land slides,
  • Flooding,
  • Collapses,
  • Fires, ...

The purpose of such coverage is to benefit, in the event of a claim, from support from the insurer, to the extent that the event is properly covered by the contract. The client (if he is the one who took out the insurance policy) will therefore not have to bear the financial consequences himself.

Comprehensive site insurance must be a tailor-made contract, adapted to each site, and taking into account its specificities, its cost, the companies that will intervene ...


Most often, it is therefore the project owner (or "PO") who signs the contract on behalf of all the stakeholders who will participate in the work, such as:

  • Construction companies,
  • Designers,
  • Subcontractors,
  • Manufacturers.

Adhering to such coverage will prevent the owner, in the event of a claim, from having to initiate an action against one of the workers on the site and seek liability among the multiple people who have intervened.

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