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It could be considered that there is nothing left to be said as far as Public Liability is concerned and that the breakthrough innovations provided by Bessé, by developing the concepts of consequential loss and then non-consecutive consequential damage, have become « classics » in policies, along with a fair number of other extensions.

However, upstream risk analysis is what really constitutes the true added value in advisory service and is an essential prerequisite when it comes to designing tailored Public Liability cover to meet our clients’ expectations, by accurately targeting their greatest risks in France and all over the world.

It also means constantly updating our analysis, thus enabling us to take into account developments in :

  • Our clients’ lines of business
  • The increasingly complex legal environment, with tax and compliance rules laid down by national laws which complicate management on an international level
  • Insurance market practice (FINC and sanction clauses)

In this way, the promise made by the insurer will be kept when a loss arises.

Therefore, our clients benefit from insurance programmes that are consistent with their legal and commercial practices and that can be fully incorporated into their risk management policy.

It is without doubt our technical skill and made-to-measure approach, together with our unique ability to accompany them when a loss arises, that our customers are seeking more than ever.

A few key figures

+ 40%

rise in Public Liability premiums placed by us on the insurance market. 


of our clients entrust us with their Public Liability programme


of claims settled by compromise agreement