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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.
What are the main risks?
The move away from the use of fluids that are harmful to the environment in installations to fluids that are neutral for the planet is accompanied by an increase in risks, since the new A2L, A2, A3 and B2L fluids are toxic or dangerous in new ways, particularly in terms of :
- Pressure
Flammability
Explosivity
These changes mean that we need to adapt our safety practices and be more vigilant. Because your business has unique characteristics, we negotiate tailor-made insurance programmes specifically for you, to meet your needs and offer you optimum protection in the face of these new challenges.
Guarantees
To support you in this transition, our exclusive liability package offers you cover amounts that already take account of these new challenges and provide you with additional security in the event of a claim:
Property and liability insurance
Liability (civil and ten-year), All risks assembly tests (Assur-chantier), Property damage, Cyber risks Legal protection, Motor fleet, Professional comprehensive insurance.
Personal Insurance
Mutual health insurance, provident schemes, pensions, executive protection...
Our advices
Risk management and prevention, analysing your cover and your budget, drawing up the Single Risk Assessment Document (DUERP), securing recourse against sub-contractors, as well as pre- and post-claim expert appraisals.
Discover our training courses!
Through our structure KRYOTEC PREVENTION, we offer specialised preventive training to meet your specific needs and to enhance your safety and the efficiency of your operations:
- Insurance and management of third-party and ten-year liability claims
- Regulatory watch
- DESP
- Risk analysis
- Road risk prevention
Discover our analysis of the refrigeration market
The refrigeration sector is undergoing a major transformation. Find out more about our teams' analyses and our recommendations.
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...
FAQ
Machinery breakdown insurance protects air conditioning and refrigeration systems by covering repairs or replacement of equipment in the event of mechanical, electrical or electronic breakdown. This cover applies to professional refrigeration installations, such as cold rooms and industrial air conditioners, and helps limit the financial losses associated with business interruption.
Air-conditioning systems in commercial premises can be insured against breakdowns and material damage through machine breakdown cover, which is often included in multi-risk professional contracts. In the event of breakdown, business interruption cover can also be useful to cover loss of turnover due to service interruption.
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 Director - Refrigeration
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.
