As mountain guides we have professional insurance which covers civil liability as well as search and rescue charges for ourselves and our clients.
However, we strongly advise you to take out travel insurance which covers search and rescue and medical insurance for the activities you wish to undertake with us. Your travel insurance must cover civil indemnity for mountain activities (check that these are not excluded from your policy).
The Club Alpin Francais and the FFME (French mountain climbing federation) can provide this insurance (in French only on their site):
FFCAM : www.ffcam.fr/assurance.html
FFME : www.ffme.fr/licence/page/garanties-de-l-assurance.html
Diot assurance: www.assurance-multi-sports.com