Insurance for an association which guarantees to subscribe?
Any association, whether sporting or cultural, is obliged to take out insurance. The same is true for the social and economic committee (CSE), formerly called the works council. Which guarantees to subscribe? Who should pay for the insurance? The point with the Matmut.
Civil liability guarantee
Civil liability insurance is the minimum compulsory guarantee for an association or a social and economic committee. It covers the financial risks incurred in the event of damage caused or suffered by persons belonging to the association or the CSE.
For associations
The law requires the subscription of civil liability insurance for certain types of associations, in particular:
sports associations and federations, including associations that organize sports events or that operate establishments for physical and sports activities;
approved communal hunting associations;
associations that organize or sell trips;
associations that manage childcare facilities for children under the age of six (nurseries, nurseries, etc.);
associations which organize the reception of minors or which operate places of accommodation for minors;
associations that manage facilities for children with intellectual disabilities;
associations that offer prevention, diagnosis or care.
Depending on the activity of the association, its civil liability may also come into play when damage is suffered by participants, spectators or users. However, in the event of damage caused by a member of the association to another member, the civil liability guarantee only applies if it has been notified in the contract that the insured parties are considered third parties among themselves. This is a specific provision.
For CSEs
According to article R.2312-49 of the Labor Code, the civil liability insurance of the CSE is the responsibility of the employer. Nevertheless, the CSE can freely choose its insurer and is not obliged to accept the one proposed by its employer, often the same as the company. Moreover, the employer cannot cap the amounts paid to insure the CSE on the pretext that other insurers would have been cheaper.
The + of Matmut: With professional multi-risk association insurance, benefit from 24/7 assistance in the event of a problem for your members during organized trips in France or in the EU: illness, accident, theft or loss of identity papers, means of payment, etc.
Read also: Civil liability of association leaders: what is it?
The coverage of the premises
The premises of the association or the CSE must also be guaranteed against rental risks, in order to cover any damage caused in the event of fire, water damage or explosion, for example.
As far as associations are concerned, coverage of the premises is compulsory only if the premises are rented. If the association is the owner, the subscription of such insurance is however recommended. In the event that the premises of the association are the accommodation of a member, the latter must inform their insurer.
At the level of the CSEs, the employer must provide suitable premises and pay for the insurance. On the other hand, the property and objects of the association or the CSE placed on the premises are not necessarily covered by the insurance of the premises as such. Extended warranties are strongly recommended.
The + of Matmut: Thanks to the professional multi-risk association insurance, your premises are insured as well as their contents, even in the event of vandalism. Also take advantage of the Professional Life Legal Protection guarantee, in order to cover any disputes with the owner of the rented premises, with the representatives of the rented co-ownership or with the suppliers of the movable property acquired.
Vehicle insurance
In the event that the association or the CSE has a vehicle, it must also be insured for Civil Liability, in the event of breakdown, accident or theft of the vehicle or the equipment it contains. If associative volunteers use their personal vehicle as part of their associative role, the insurance remains their responsibility.
The + of Matmut: With Matmut Reference Auto insurance, depending on the formula chosen, your transported equipment can be insured. Have you had an accident or has your vehicle been stolen? The Matmut temporarily replaces your vehicle so that you can continue your activity with complete peace of mind
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