2. Construction insurance

The insurance system introduced by the law of January 4, 1978 is based on the institution of a dual insurance obligation system:

• damage insurance, underwritten by the project owner and intended to pay for repairs in the event of a claim, before any attempt is made to establish liability;

• and liability insurance, which must cover all natural or legal persons "whose decennial liability may be incurred on the basis of the presumption established by articles 1792 et seq. of the French Civil Code" (C. ass., art. L. 241-1).