{"id":647,"date":"2021-07-22T00:00:00","date_gmt":"2021-07-21T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/entreprise\/2015\/09\/22\/les-assurances-de-responsabilite-civile\/"},"modified":"2021-12-14T17:52:52","modified_gmt":"2021-12-14T15:52:52","slug":"les-assurances-de-responsabilite-civile","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/entreprise\/les-assurances-de-responsabilite-civile\/","title":{"rendered":"Les assurances de responsabilit\u00e9 civile"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>L'assurance responsabilit\u00e9 civile professionnelle est une assurance obligatoire. Elle couvre deux niveaux de risques :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>ceux li\u00e9s \u00e0 l'activit\u00e9 professionnelle,<\/strong><\/li><li><strong>ceux li\u00e9s \u00e0 l'occupation et mise \u00e0 disposition de locaux professionnels.<\/strong><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><br>Pourquoi l'assurance de responsabilit\u00e9 civile est-elle obligatoire ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><br>Le repr\u00e9sentant de l'entreprise, le g\u00e9rant, l'entrepreneur, le professionnel lib\u00e9ral, \u2026, est toujours responsable des dommages qu'il peut causer \u00e0 n'importe quelle autre personne.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De m\u00eame, il est responsable des dommages que peuvent causer ses employ\u00e9s \u00e0 toute autre personne, interne ou externe \u00e0 l'entreprise.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Enfin, vous \u00eates \u00e9galement responsable des dommages que peuvent causer \u00e0 toute autre personne :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>les mat\u00e9riels que vous utilisez dans votre entreprise, ou pour votre activit\u00e9,<\/li><li>les locaux que vous utilisez ou mettez \u00e0 disposition de toute personne,<\/li><li>les produits que vous commercialisez, que vous installez,<\/li><li>les prestations effectu\u00e9es chez quelqu'un d'autre.<br><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">La responsabilit\u00e9 civile de votre activit\u00e9 professionnelle<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><br>Cette assurance vous couvre pour tous les dommages caus\u00e9s \u00e0 des tiers (employ\u00e9s, clients, \u2026) qui sont directement li\u00e9s \u00e0 votre activit\u00e9 professionnelle.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Citons quelques exemples courants :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>un de vos employ\u00e9s blesse un client ou fait une tache sur le v\u00eatement d'un client,<\/li><li>une de vos machines laisse \u00e9chapper un gaz toxique et incommode un employ\u00e9,<\/li><li>vous avez la garde d'un bien confi\u00e9 par un client, et vous d\u00e9t\u00e9riorez ce bien (une tache, une bosse,\u2026),<\/li><li>votre activit\u00e9 professionnelle provoque une maladie \u00e0 l'un de vos employ\u00e9s,<\/li><li>une de vos machines (un outil) blesse un client.<br><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">La responsabilit\u00e9 civile des locaux<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><br>Cette assurance vous couvre pour tous les dommages caus\u00e9s \u00e0 des tiers (employ\u00e9s, clients, \u2026) qui sont directement li\u00e9s \u00e0 vos l'usage de vos locaux professionnels.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Citons quelques exemples courants :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>un incendie ou une explosion et ses cons\u00e9quences sur des personnes (employ\u00e9s, clients),<\/li><li>un d\u00e9g\u00e2t des eaux qui survient dans vos locaux et provoque des d\u00e9g\u00e2ts chez un voisin, un employ\u00e9.<br><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cette assurance couvre \u00e9galement les dommages caus\u00e9s par un incendie, une explosion ou un d\u00e9g\u00e2t des eaux, vis-\u00e0-vis du propri\u00e9taire des locaux, si vous en \u00eates locataire et exploitant.<\/p>\n\n\n\n<div style=\"height:100px\" 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 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<div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Assurances professionnelles de...<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Les assurances d\u00e9c\u00e8s-invalidit\u00e9<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--noBg\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:651,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/entreprise\/les-assurances-homme-cle\/&quot;,&quot;title&quot;:&quot;Les assurances 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          <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">&lt; 1 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/les-assurances-homme-cle\/\">\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Assurances professionnelles de...<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Les assurances Homme-Cl\u00e9<\/span>\n                <\/h3>\n                                <p class=\"card__article\">Une garantie pour pr\u00e9munir l&#039;entreprise des cons\u00e9quences de l&#039;absence d&#039;une personne indispensable \u00e0 son activit\u00e9. L&#039;assurance homme-cl\u00e9 prot\u00e8ge l&#039;entreprise des cons\u00e9quences (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><\/div><div class=\"navigation\"><button type=\"button\" class=\"navigation__btn navigation__btn--previous\" data-wp-on--click=\"actions.previous\" 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>L'assurance responsabilit\u00e9 civile professionnelle est une assurance obligatoire. Elle couvre deux niveaux de risques : ceux li\u00e9s \u00e0 l'activit\u00e9 professionnelle, ceux li\u00e9s \u00e0 l'occupation et mise \u00e0 disposition de locaux professionnels. Pourquoi l'assurance de responsabilit\u00e9 civile est-elle obligatoire ? Le repr\u00e9sentant de l'entreprise, le g\u00e9rant, l'entrepreneur, le professionnel lib\u00e9ral, \u2026, est toujours responsable des dommages [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":3097,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":5,"views":12858,"viewed_at":"1778479496","newsletter":"0","_yoast_wpseo_primary_category":189,"footnotes":""},"categories":[189,118],"tags":[],"class_list":["post-647","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurances-des-biens-professionnels","category-assurances-professionnelles"],"yoast_head":"<title>Les assurances de responsabilit\u00e9 civile - Assurances des biens professionnels - 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-de-responsabilite-civile\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les assurances de responsabilit\u00e9 civile - Assurances des biens professionnels - Les cl\u00e9s de la banque - Entreprise\" \/>\n<meta property=\"og:description\" content=\"L&#039;assurance responsabilit\u00e9 civile professionnelle est une assurance obligatoire. 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