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Refrigeration
As refrigeration professionals in France and the French overseas departments and territories, we've been working with you for nearly 20 years to help you manage your risks and ensure your success.
Insure your businesses in the Cold sector
The move away from the use of fluids that are harmful to the environment to the use of fluids that are neutral for the planet is accompanied by an increase in risks, since the new A2L, A2, A3 and B2L fluids have a new toxicity or dangerousness, particularly in terms of :
- Pressure
- Flammability
- Explosivity
These changes mean that we need to adapt our safety practices and be even more vigilant. Because your business has unique characteristics, we negotiate tailor-made insurance programs specifically for you, to meet your needs and offer you optimum protection in the face of these new challenges.
To support you in this transition, our exclusive liability package offers you coverage amounts that already take these new challenges into account and provide you with additional security in the event of a claim:
Property and liability insurance:
- Liability (civil and decennial)
- All-risk trial assembly (Assur-chantier)
- Property damage
- Cyber risks
- Legal protection
- Motor fleet
- Professional comprehensive
Personal insurance :
- Mutual health insurance
- Provident, retirement...
- Executive protection
- Consulting
Risk management and prevention
- Analysis of your coverage and budget
- Single Risk Assessment Document (DUERP)
- Secure recourse against subcontractors
- Pre-claim and post-claim appraisals
Through our structure KRYOTEC PREVENTION, we offer specialized preventive training to meet your specific needs and to reinforce your safety and the efficiency of your operations:
- Insurance and management of third-party and decennial liability claims
- Regulatory watch
- DESP
- Risk analysis
- Road risk prevention
Découvrez nos analyses du marché du froid
Our clients
Professional service providers in the refrigeration, air-conditioning and professional kitchen sectors who carry out the following activities:
- Manufacturers & Distributors
- Engineering consultants (BET fluids)
- Road refrigeration (specific program)
- Sales
- Installation
- Maintenance
- Maintenance of refrigeration, air-conditioning and kitchen systems and equipment
- Troubleshooting
Why choose Howden?
Because refrigeration is a specialist business, we can help you negotiate and manage your risks and insurance. Your companies face specific risks linked to your activity, and are subject to technical and regulatory obligations.
Thanks to our expertise in Prevention :
- Strengthening our support
- Expertise: we support you in pre-litigation negotiation, mastery of procedures and insurance/legal expertise...
Questions fréquemment posées
L’assurance bris de machine protège les systèmes de climatisation et réfrigération en prenant en charge les réparations ou le remplacement de l’équipement en cas de panne mécanique, électrique ou électronique. Cette garantie s’applique aux installations professionnelles de froid, telles que les chambres froides et les climatiseurs industriels, et permet de limiter les pertes financières liées à une interruption d’activité.
Les systèmes de climatisation dans les locaux commerciaux peuvent être assurés contre les pannes et les dommages matériels via une couverture bris de machine, souvent incluse dans les contrats multirisques professionnels. En cas de panne, une garantie perte d’exploitation peut également être utile pour couvrir les pertes de chiffre d'affaires liées à l’interruption de service.
Contact
Nicolas Lecomte
Nicolas Lecomte
Director of the Cold Sector
With a Master's degree in private law, Nicolas LECOMTE joined the OFRACAR Group, a Norman brokerage firm, upon completing his studies in 1990. He began his career as an entrepreneur, alongside his brother, Stéphane LECOMTE, in this company founded by their father, Jean-Pierre LECOMTE, in 1964.
Nicolas quickly took over the management of the IARD and Legal Department of the Group. In 2005, Nicolas notably created the entity ASSURFROID, specializing in insurance for business risks, dedicated to refrigeration engineering, climate engineering, professional kitchens, and renewable energies. Quickly, ASSURFROID became recognized as a specialist in the Cold professions, becoming a reference in the world of installers and particularly a leader in the French territory.
His two passions are risk management and running.
As a commercial judge at the Commercial Court of ROUEN for 20 years, he presided over the 2nd Chamber of litigation and is now a conciliator at the Court of Appeal of Rouen, attached to the Commercial Court. In order to anticipate their succession, the leaders of OFRACAR joined Howden in 2024. It is only natural that Nicolas continues his aspirations by becoming the Director of the Cold Sector for Howden France.
Jean Jacques Goure
Jean Jacques Goure
Commercial Manager for France and Overseas Territories in Damages and Liabilities
Claude Noël
Claude Noël
Director of Construction Product Line
A graduate in Public Law, Claude Noël has dedicated his entire career, always in brokerage, to insuring large public and private projects, construction companies, and renewable energy. Recognized as an expert by insurers and clients, he has played a key role in winning major market tenders. Claude currently holds the position of Director of Construction Product Line at Howden France, for whom his experience and expertise in insuring construction projects and stakeholders are valuable assets.
