Optional professional indemnity insurance (RCD): the cap-at-operation-cost clause delimits the insured risk
For works not subject to the compulsory ten-year (decennal) liability insurance obligation, the clause in the rider capping cover at the cost of the operation (and not merely at the amount of the insured's contract) delimits the insured risk: once the cap is exceeded without an expressly agreed extension, the insurer does not owe cover — without there being any occasion to apply the proportional capital-sums rule under art. L. 121-5 C. assur., which is specific to under-insurance (Cass. civ. 3e, 2 juill. 2026, n° 24-12.598, F-D). The judgment sheds light, by contrast, on the boundary between compulsory and optional professional indemnity insurance (RCD) examined in lecture 5 of module 02.