FMR : Finally Third Party Liability insurance for managers of temporary stores
A product aimed at operators of temporary stores.
- Third Party Liability insurance for tenants of temporary property
- Third Party Liability insurance for event organisers
For further information please download our general terms and conditions
FMR Advantages of our guarantee
Quick and online subscription
FMR THE GUARANTEES
| The organiser's third party liability | Amount of deductible per claim in euros | |
|---|---|---|
| Bodily injury (including food poisoning), Property Damage and Consequential Losses combined for the duration of the insurance cover WITHOUT BEING ABLE TO EXCEED : |
7 500 000 € |
néant |
| Inexcusable conduct / Occupational diseases all losses combined for the duration of the cover and a maximum per victim of |
1 000 000 € |
1 500 € |
| Accidental Damage to the Environment, all Bodily Injuries, Property Damage or Consequential Losses combined for the duration of the cover |
750 000 € |
1 500 € |
| Property Damage and Consequential Losses for the duration of the cover, including claims by neighbours and third parties |
1 500 000 € |
1 000 € |
| - Including Damage to the buildings rented by the Insured or lent to the Insured, (including Fire–Explosion) for the duration of the cover |
750 000 € |
1 000 € |
| - Including their facilities and their contents |
1 000 000 € |
1 500 € |
| Third Party "Cloakroom" insurance for the duration of the cover With a maximum amount per item of |
Not covered |
Not applicable |
| Non-consequential indirect losses for the duration of the cover |
1 500 000 € |
1 500 € |
| Bodily injuries, property or consequential losses suffered or caused by officers, agents or military personnel of the State or territorial communities. per event |
Not covered |
Not applicable |
| CRIMINAL DEFENCE AND LEGAL CLAIMS IN EUROS | ||
| Maximum commitment of the Insurer per generating event | 50 000 € | |
| Claims : Dispute greater than | 1 000 € | |
FMR UNDERWRITING CONDITIONS
Acceptance criteria :
- Cover is available only for property or properties located in Metropolitan France.
- The hiring is temporary,
- The event will not be of a religious, political and/or trade union nature, will not be offensive, will not be a paid dancing evening event(s) and/or open to the public and/or concerts and/or shows receiving the public, will not involve the sale of products requiring an administrative authorisation and/or licence.
- You have to fill the surface of the property
- The agreement shall become effective if the condition of propertyreport is duly completed byboth parties on entry to the premises and on leaving them.
YOUR QUESTION
What insurance should I take out as an FMR tenant ?
Cabinet ALBINET : Third Party Liability insurance for tenants and Third Party Liability insurance for exhibitors. This insurance cover is included in the FMR package.
Are all activities insurable ?
Cabinet ALBINET : No. The event must not be of a religious, political and/or trade union nature, must not be offensive, must not be (a) paid dancing evening event(s) and/or open to the public and/or concerts and/or shows receiving the public and must not involve the sale of products requiring an administrative authorisation and/or licence.
I am a tenant of a property offered on the temporary rentals' site, can I sublet this property ?
Cabinet ALBINET : The tenant can only sublet with the landlord's written agreement; He must inform his insurer of this sublet.
Is a tenancy agreement signed ?
Cabinet ALBINET : Yes, a tenancy or sub-tenancy agreement.
Are all the procedures "legal" in relation to the use of the property ?
Cabinet ALBINET : You need to obtain the agreement of the landlord, observe the co-ownership rules and any municipal orders.
It is possible to insure the objects which are displayed ?
Cabinet ALBINET : Yes, of course, but not under the FMR contract. This is an extension called ALL RISKS Display. We are at your disposal to study this.
We are looking for info on the legal framework with the intention of offering a property for rent. What contract should we use? Do we need to change our insurance contract? Are certain activities prohibited ?
Cabinet ALBINET : The contract to be established is a tenancy or sub-tenancy agreement (with the agreement of the owner). You must declare what may be regarded as an increase in risk, to your insurer, i.e. your intention to let or sublet. Prohibited activities are those which are offensive or prohibited by decree, the co-ownership rules or municipal orders. In addition, they must not be of a political or trade union nature, or be concerts or dancing events...
How are any disputes with the usual occupier of the premises dealt with?
Cabinet ALBINET : The condition of property report on entry to the premises and on leaving them duly signed by the parties is the arbiter. Its existence is a condition for the insurance cover to apply.
Can I rent premises abroad and take out the FMR insurance ?
Cabinet ALBINET : No, the insurance is dedicated to rentals located in metropolitan France only.
Someone has stolen a customer's wallet from the premises' cloakrooms. What happens?
Cabinet ALBINET : Third Party Liability for cloakrooms is not covered.
It is possible to insure the objects which are offered for sale?
Cabinet ALBINET : Yes, of course, but not under the FMR contract. This is an extension of your MULTI-RISK PROFESSIONAL contract or of a temporary contract. We are at your disposal to study your needs.
Request Information
Request Information
Our councillors are available of 9 hours at 6 pm (GMT+1) to answer to your questions
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Customer service
Contact us
+ 33 (1) 48 01 84 84 -
Cabinet ALBINET
9 rue Bleue - 75009 PARIS