fred flashman Posted July 3, 2006 Share Posted July 3, 2006 Im currently going through the process of registering as an Artisan in a Micro BIC. Although my qualifications are in Carpentry and Joinery i also have the right to do other associated building works (all agreed by the prefecture and the Chambre de metier). I recently went on the compulsory business course which explained how i pay my social charges etc (Stage). However, i just phoned an insurance broker for a quote for my Public liability Insurance etc. Their answers to my questions were lots of "maybes" and "perhaps" but probably aroud 3000 euros PA. Im still picking myself up off the floor. Can anyone advise what their experiences are in this area ?. Can anyone point me in the right direction for a decent quote?Thanksmartin Link to comment Share on other sites More sharing options...
Val_2 Posted July 3, 2006 Share Posted July 3, 2006 As an general building company we pay 4000€/year and this is with over ten years of no claims for or against us, so I am afraid you will have to bite the bullett and pay out.Our assurers explained that because of unscrupulous claims by many artisans, the rest of us have to pay more each year to counteract this. The rule is that the more trades you offer and carry out, the more you will pay and we have now dropped some of the less lucrative ones like fosse septique installation because of the red tape involved that did not exist previously. A lot also depends on how you set up your business whether you are fully registered for TVA or not. Link to comment Share on other sites More sharing options...
fred flashman Posted July 3, 2006 Author Share Posted July 3, 2006 Because i will be working on my own, ie not employing anyone else, and paying no TVA under the Micro BIC scheme (my earning cieling is only 27K), what should i be paying? Are you a larger business?ThanksMartin Link to comment Share on other sites More sharing options...
BJSLIV Posted July 3, 2006 Share Posted July 3, 2006 From what Val has said and your own quote , it looks like the answer is unfortunately something like 3000 Euros. Val's business may be larger, but your lack of a track record will go against you. Link to comment Share on other sites More sharing options...
Viv Posted July 3, 2006 Share Posted July 3, 2006 Have sent you a PM Flashman Link to comment Share on other sites More sharing options...
tetley Posted July 3, 2006 Share Posted July 3, 2006 same boat here!! newly registered in the micro-bic, my decannelle insurance is just under 3500 euros....plus all the other cotisations you have to pay (pension, health,..) the decannelle is your 10 yr guarantee and liability insurance. Unfortunately, you will have to bite the bullet and pay out....it is difficult, because obviously, you are new here and have to build up a client base, and still have to cover the outgoings. But, if you are going to do things above board....it has got to be taken on......although I am beginning to wonder if the micro-bic is the best regime for me. Also, I have been led to believe that the decanelle is difficult to get hold of by us brits. So, if say, you decided to trade for a year or so without it, and then decide to go by the book....the insurance company is going to wonder what you have been doing for the last year or so? They may backdate your decannelle to the date of your registration, that could be a hefty bill! Link to comment Share on other sites More sharing options...
Val_2 Posted July 3, 2006 Share Posted July 3, 2006 I think you will find the answer the same with the few assurers who offer this cover and it isn't many here in France because it is specialist. We are fully registered for TVA as the micro bic does not support a family on such a limited turnover which we can do in one quarter and the impôts do query your situation,believe you me! I am always receiving letters from MAAF offering us insurance but we have been with our assurers since gestion and they do look after us. One of the stipulations will probably be that you must insure your works vehicle with the same company offering you the cover, ours insisted on one other policy being taken out with them and now we have three vehicles with them which resulted in our daughter getting the cheapest insurance as a new driver than all the other big boys we went around in the local town. Our cover insures us for 10million euros which is why it costs that much. Link to comment Share on other sites More sharing options...
arthur smith Posted July 3, 2006 Share Posted July 3, 2006 do you need 10 year insurance cover to guarantee decorating and tiling ?if so, how does that work for an emulsioned dining room /kitchen ? can you guarantee paintwork for 10 years ?just curious. Link to comment Share on other sites More sharing options...
tetley Posted July 4, 2006 Share Posted July 4, 2006 I have no idea sorry...you would need to contact the chambre de metiers. There are some trades that don't need the full cover. But, macons, electricians, plumbers and carpenters and roofers all need to carry the decannelle.....and their guarantee cover varies. You should probably ask about it at the time when looking into registering. I think you are basically paying for this insurance because they don't have building inspectors over here. Link to comment Share on other sites More sharing options...
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