All insurance or reinsurance intermediaries and all insurance intermediaries acting in an ancillary capacity must take out an insurance policy covering them against the financial consequences of their professional civil liability, unless such insurance or an equivalent guarantee is already provided by an insurance or reinsurance undertaking or by an insurance or reinsurance intermediary or by another undertaking on whose behalf they are acting or by whom they have been instructed, or if these undertakings or this intermediary assume full responsibility for the actions of this intermediary. In all cases, intermediaries must be able to justify their position with regard to this obligation at any time.