The French legal system being based on the Napoleonic Code, evolves mainly around liability. Hence the reason why most "packaged" policies in France/Monaco start off with liability cover and then take into consideration damages. In fact, if you study carefully one of these policy documents, you will see that under the fire or water damage sections are included liabilities resulting from these perils.

One can say that for small businesses in France/Monaco, most general liabilities and even professional indemnity, would be included in a multirisk type insurance policy, at the same time as stock and contents.

Nevertheless, some professions may require specific professional indemnity policies, either because of the size or due to the actual highly sophisticated activity of the business:
	Accountants Legal firms Medical professions Certain manufacturers involving specific production processes Businesses involved in building construction: plumbers, architects, builders, etc

In these cases, their professional indemnity insurance being very specific, a very specialised contract will need to be considered.

Besides, some trades may need to include in their liability coverage, damages to entrusted items. Dry cleaners for example are responsible for the damages caused to items left by customers.

Even Associations need to carry liability as they will be first called up should one of their members sustain a loss in an activity organised by the Association.

Other liabilities to be considered are:
	Neighbours risks Tenant's risks Public liability Food poisoning

As you can see, liabilities is often complex and it is of importance that your needs be studied carefully and solutions proposed. This can only be achieved by a thorough examination of your business and your activities as well as a regular update of these and of any new developments.

Relying on The Eric Blair Network's professional and long standing experience could turn out to be a vital decision.