In Niort, Piron-Prissé, the all-risk agency for businesses

The question is no longer if it will happen, but when. And with what force. Stéphane Piron summarizes the new situation with which every insurer must deal: climatic accidents are revolutionizing the practice of the profession. Especially when you specialize in business insurance as is the case with the MMA Piron-Prissé firm, located on two sites in Niort and in Coulonges-sur-l’Autize. And this is only one facet of the ongoing changes.

In 2022, one of the Niortais figures in the world of non-mutual insurance, Jean-Rémy Faucher, retires. Stéphane Piron and Florian Prissé take over the business. One has twenty-five years of experience in insurance behind him. The other comes from industry. Two profiles that complement each other.

The firm works mainly in Poitou-Charentes but has clients almost everywhere in France, 85% of companies. “From the craftsman who works alone in his workshop to the industrialist who employs more than 500 employees”explains Florian Prissé.

Twenty years ago, insuring a business meant roughly insuring buildings and machines. Bygone era. New risks proliferate. Linked to climate change. Cybersecurity too: “ Clearly, SMEs are increasingly a target because the large CAC 40 groups have protected themselves”notes Florian Prissé. An emergency number allows the insurer to take control as soon as a business is attacked.

Another emerging risk: the business manager is increasingly targeted in court. As a manager or in a personal capacity. The installation of solar panels on buildings also gives rise to new types of risks.

“Our role is not just to sign a contract. It’s about being a stakeholder in the development of the company and ensuring that a client remains insurable over time”we consider at MMA Piron-Prissé. When you are an insurer with ten employees, how do you find a place in the sun in the land of the giants that are mutual insurance companies? “We have a local role. You can spend an entire day creating a tailor-made contract for a business manager. And we manage disasters locally, non-stop from 8 a.m. to 6 p.m. » An approach summed up by this confidence: “On weekends, our cell phone stays plugged in.”