Insurance of associations

Verified 16 August 2024 - Directorate for Legal and Administrative Information (Prime Minister)

An association is exposed to various risks related to the exercise of its activities and to its movable and immovable property, not forgetting its civil liability in case of damage caused to third parties. What insurance must be taken out by an association and what risks must it cover? Here are the essential information to know.

Liability insurance is used to compensate employees, volunteers, members and directors of the association for damage caused or suffered.

It can also guarantee the damage (damage) caused to participants, spectators or users of the association.

If a member of the association injures another member, the civil liability guarantee takes place if the contract provides that they are considered to be unrelated.

The law requires the following associations to take out liability insurance:

Sports associations and federations, associations organizing sporting events, associations operating physical and sporting activities establishments
Approved municipal hunting associations
Associations for the organization or sale of individual or group trips or stays
Associations managing childcare establishments for children under 6 (crèches, drop-in centers, etc.)
Associations organizing the reception of minors or operating places of accommodation for minors
Management associations of institutions providing care for children or adolescents with intellectual disabilities
Associations active in prevention, diagnosis or care

An association vehicle owner must take out civil liability insurance (compulsory third-party insurance) to cover damage while the vehicle is in use.

The association may choose a extended warranty.

Warning

When a volunteer uses his or her own car as part of his or her community activity, it is up to the volunteer to insure his or her vehicle.

One tenant association must subscribe to a rental risk guarantee to cover damage to the building in the event of fire, water damage or explosion.

Subscription is not required if the association owns of his premises. However, the subscription is highly recommended.

The association may choose a extended warranty to cover, in particular, damage to neighbors or third parties and damage to property.

Warning

where the premises of the association are the accommodation of a member, the latter shall notify its insurer of this situation.

Yes, an association has the option of taking out health insurance legal protection. It is a contract that allows him to benefit from legal assistance, and to cover the costs of defending his interests in case of a dispute. This insurance usually covers lawyers' fees, expert fees, procedural costs, and sometimes even legal costs.