Question 14994 — local authorities

Summary

Mr. Thierry Frappé draws the attention of the Minister of the Economy, Finance and Industrial, Energy and Digital Sovereignty, to the major insurance crisis that local authorities are going through, highlighted by the report of the senatorial information mission on the insurance problems of local authorities from March 2024. This report reveals that since January 1, 2023, 24% of communities having launched a call for tenders received no response from insurers, that 20% have suffered a unilateral termination of their contract, and that many communities are facing considerable increases in premiums and deductibles, sometimes without a direct link to their claims experience. The extreme concentration of the market around a few players, the increase in climatic and social risks, as well as the absence of sufficient protection mechanisms seriously jeopardize the continuity of local public services and the free administration of communities. The mission notably makes several strong recommendations, such as extending the mandatory notice period in the event of termination, broadening the powers of the Insurance Mediator, or even the creation of a specific compensation system for damage linked to riots. Faced with this structural situation which permanently weakens municipalities, departments and regions, it asks for the concrete measures that the Government intends to implement in order to restore a competitive insurance market, effectively protect local authorities against breakdowns in coverage, and guarantee stable, sustainable and equitable access to insurance for all territories.

Machine translation from French. The official text remains authoritative.

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