The Spinetta Law says that all parties involved in all types of construction work should be insured.
 
 

The insurance of the contractor and builders can be divided into 4 areas:

• Responsibility for perfect achievement: runs for a period of one year starting from the delivery of the works to the client;
• Biennial responsibility, two years starting from the delivery of the works to the client: covers minor works and equipment defects (electrical appliances, doors, windows...) that can be taken off the construction without damaging it;
• Decennial responsibility, ten years starting from the delivery of the works to the client: targets structural defects or non-structural defects;
• Third party responsibility: starting from the moment the third party is damaged and lasting for a period of 10 years.

The owner (or Maître d'Ouvrage) should also be insured for the works on property other than the maintenance works, including construction, renovation, or alteration. This insurance is called the "dommage-ouvrage" (DO). Few private owners take this insurance and, in that case, the work is not officially sanctioned by the French government.