{"id":239,"date":"2021-07-10T00:00:00","date_gmt":"2021-07-09T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/entreprise\/2017\/07\/10\/les-assurances-professionnelles\/"},"modified":"2022-04-12T16:19:28","modified_gmt":"2022-04-12T14:19:28","slug":"les-assurances-professionnelles","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/entreprise\/les-assurances-professionnelles\/","title":{"rendered":"Les assurances professionnelles"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Les protections des biens et des personnes, professionnelles ou particuliers, sont reprises dans un ensemble de contrats appel\u00e9s : IARD (Incendie, Accidents et Risques Divers).<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">On peut assurer des biens professionnels ou des personnes, \u00e0 la seule condition que le risque couvert rev\u00eate un caract\u00e8re al\u00e9atoire.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La cotisation d'assurance\u00a0r\u00e9gl\u00e9e est appel\u00e9e \"prime d'assurance\".<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lorsque vous comparez plusieurs propositions d'assurance pour un m\u00eame risque, ne comparez pas seulement les tarifs, mais \u00e9galement l'\u00e9tendue des\u00a0garanties, les franchises et les exclusions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aujourd'hui, la plupart des groupes bancaires proposent les produits d'une compagnie d'assurance ou parfois disposent de leur propre\u00a0filiale\u00a0d'assurance.<br>Choisir de se faire assurer par l'interm\u00e9diaire de sa\u00a0banque\u00a0peut \u00eatre une question de commodit\u00e9.<br>En effet, si vous achetez un local professionnel, ou un v\u00e9hicule, vous aurez besoin de les assurer, et il peut \u00eatre plus pratique de souscrire votre assurance au m\u00eame endroit et en m\u00eame temps que votre\u00a0cr\u00e9dit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selon les\u00a0banques, c'est votre\u00a0conseiller\u00a0ou un homme-expert\u00a0qui pourra vous proposer un devis pour vos locaux professionnels.<br>La plupart du temps, vous aurez un interlocuteur unique en la personne de votre conseiller bancaire, et c'est lui qui se chargera de transmettre votre dossier \u00e0 la compagnie d'assurance et de la mise en place du\u00a0pr\u00e9l\u00e8vement\u00a0des primes d'assurances\u00a0sur votre compte bancaire.<\/p>\n\n\n\n<div style=\"height:24px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"titleWithShadowText\">\n    <div class=\"titleWithShadowText__inner\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalLeft\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"239.12 0 188.4 666.65\"> <defs><clipPath id=\"a\"><path clip-rule=\"evenodd\" d=\"M500 0v500H0V0h500z\" \/><\/clipPath><\/defs><g clip-path=\"url(#a)\" transform=\"scale(1.3333)\"><path d=\"M319.23 500h0-139.882 0V0h1.468c0 79.482 64.304 108.12 73.914 180.986h0c9.61 72.865 2.476 64.708 11.96 136.62h0c9.485 71.911 31.518 80.281 44.568 116.901h0c8.7 24.413 11.357 46.244 7.972 65.493z\" fill-rule=\"evenodd\" \/><\/g><\/svg><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalRight\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 289 1024\"><path d=\"M2.514 1024h286.478V0h-3.006c0 162.779-131.695 221.43-151.376 370.659-19.681 149.228-5.071 132.522-24.494 279.798C90.691 797.731 45.567 814.872 18.841 889.87 1.023 939.868-4.418 984.578 2.514 1024z\" \/><\/svg><div class=\"titleWithShadowText__textWrapper\">\n                <h2 class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h2>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Voir aussi<\/span>\n                                                            <\/div>\n        <\/div>\n        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data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.prevDisabled\"><span class=\"a11y-hidden\">Voir plus sur la gauche<\/span><svg class=\"navigation__arrow navigation__arrow--previous\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><button type=\"button\" class=\"navigation__btn navigation__btn--next\" data-wp-on--click=\"actions.next\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.nextDisabled\"><span class=\"a11y-hidden\">Voir plus sur la droite<\/span><svg class=\"navigation__arrow navigation__arrow--next\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><\/div><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Les protections des biens et des personnes, professionnelles ou particuliers, sont reprises dans un ensemble de contrats appel\u00e9s : IARD (Incendie, Accidents et Risques Divers). On peut assurer des biens professionnels ou des personnes, \u00e0 la seule condition que le risque couvert rev\u00eate un caract\u00e8re al\u00e9atoire. La cotisation d'assurance\u00a0r\u00e9gl\u00e9e est appel\u00e9e \"prime d'assurance\". Lorsque vous [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":3,"views":2598,"viewed_at":"1778429621","newsletter":"0","_yoast_wpseo_primary_category":118,"footnotes":""},"categories":[118,124],"tags":[],"class_list":["post-239","post","type-post","status-publish","format-standard","hentry","category-assurances-professionnelles","category-pourquoi-et-comment"],"yoast_head":"<title>Les assurances professionnelles - Assurances professionnelles - Les cl\u00e9s de la banque - Entreprise<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/les-assurances-professionnelles\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les assurances professionnelles - Assurances professionnelles - Les cl\u00e9s de la banque - Entreprise\" \/>\n<meta property=\"og:description\" content=\"Les protections des biens et des personnes, professionnelles ou particuliers, sont reprises dans un ensemble de contrats appel\u00e9s : IARD (Incendie, Accidents et Risques Divers). On peut assurer des biens professionnels ou des personnes, \u00e0 la seule condition que le risque couvert rev\u00eate un caract\u00e8re al\u00e9atoire. La cotisation d&#039;assurance\u00a0r\u00e9gl\u00e9e est appel\u00e9e &quot;prime d&#039;assurance&quot;. 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