{"id":16286,"date":"2016-03-23T08:00:18","date_gmt":"2016-03-23T12:00:18","guid":{"rendered":"https:\/\/www.federated.ca\/fr\/?p=16286"},"modified":"2021-10-25T10:58:28","modified_gmt":"2021-10-25T14:58:28","slug":"top-5-insurance-coverages-every-restaurant-owner-needs","status":"publish","type":"post","link":"https:\/\/www.federated.ca\/fr\/blog\/assurance\/top-5-insurance-coverages-every-restaurant-owner-needs\/","title":{"rendered":"Cinq garanties cl\u00e9s que tout propri\u00e9taire de restaurant devrait poss\u00e9der"},"content":{"rendered":"

Le secteur de la restauration comporte son lot de risques particuliers. En tant que propri\u00e9taire de restaurant, il importe que vous \u00e9valuiez vos besoins avant de choisir les garanties qui prot\u00e9geront votre entreprise. Pour vous aider \u00e0 prendre une d\u00e9cision \u00e9clair\u00e9e, nous vous pr\u00e9sentons cinq garanties que tout propri\u00e9taire de restaurant devrait ajouter \u00e0 sa police d\u2019assurance.<\/p>\n

Assurez-vous que votre entreprise est prot\u00e9g\u00e9e gr\u00e2ce \u00e0 la bonne solution d\u2019assurance.<\/a><\/div>\n

Assurance de la responsabilit\u00e9 civile des entreprises<\/strong><\/h3>\n

Tout propri\u00e9taire de restaurant devrait poss\u00e9der une assurance de la responsabilit\u00e9 civile des entreprises (RCE). Elle vous prot\u00e9gera contre les plaintes courantes d\u00e9pos\u00e9es contre vous par vos clients, y compris celles li\u00e9es aux chutes \u00e0 l\u2019int\u00e9rieur ou \u00e0 l\u2019ext\u00e9rieur de votre restaurant ainsi qu\u2019aux intoxications alimentaires.<\/p>\n

Assurance du b\u00e9n\u00e9fice d\u2019exploitation <\/strong><\/h3>\n

Si vous servez du vin dans votre restaurant, vous devriez penser \u00e0 vous procurer une garantie am\u00e9lior\u00e9e pour l\u2019\u00e9valuation des vins. Cette garantie particuli\u00e8re prot\u00e8ge votre collection de vins prestigieux contre le vol ou les dommages. De plus, elle couvre la valeur du vin selon le prix auquel il aurait \u00e9t\u00e9 vendu en portions individuelles.<\/p>\n

Garantie am\u00e9lior\u00e9e pour l\u2019\u00e9valuation des vins<\/strong><\/h3>\n

If you serve wine at your restaurant, then you\u2019ll want to consider obtaining enhanced wine valuation coverage. This unique coverage insures your high-valued wine collection from theft or loss, and covers the value of the wine at the price the wine could have been sold for as individual servings.<\/p>\n

Garantie pour la contamination alimentaire<\/strong><\/h3>\n

Vos produits alimentaires et votre \u00e9quipement sont la pierre angulaire de votre entreprise. La manipulation et l\u2019entreposage inad\u00e9quats des produits peuvent provoquer des maladies d\u2019origine alimentaires et entra\u00eener des demandes d\u2019indemnisation par vos clients. Il s\u2019agit l\u00e0 d\u2019un des risques les plus importants de l\u2019industrie alimentaire. Des repr\u00e9sentants du gouvernement pourraient m\u00eame vous forcer \u00e0 fermer boutique apr\u00e8s l\u2019inspection de votre restaurant. Gr\u00e2ce \u00e0 la garantie pour la contamination alimentaire, vous serez prot\u00e9g\u00e9 contre les pertes touchant les aliments. Cette garantie couvre habituellement la perte de b\u00e9n\u00e9fice d\u2019exploitation, le nettoyage de votre \u00e9quipement et les frais de remplacement des produits alimentaires en raison de la contamination.<\/p>\n

Assurance automobile des non-propri\u00e9taires<\/strong><\/h3>\n

En tant que restaurateur, vous acceptez peut-\u00eatre que vos employ\u00e9s utilisent leur propre v\u00e9hicule pour effectuer les livraisons et les courses li\u00e9es \u00e0 votre entreprise. Si vos employ\u00e9s sont impliqu\u00e9s dans un accident de voiture, votre entreprise pourrait \u00eatre tenue responsable des dommages qui s\u2019ensuivent. L\u2019assurance automobile des non-propri\u00e9taires prot\u00e8ge donc votre entreprise si un de vos employ\u00e9s est impliqu\u00e9 dans un accident au volant de son v\u00e9hicule lors de son quart de travail. Si un tiers vous poursuit en raison de dommages corporels ou mat\u00e9riels caus\u00e9s par l\u2019accident, vous serez \u00e9galement prot\u00e9g\u00e9 contre toute r\u00e9clamation en responsabilit\u00e9 civile.<\/p>\n

Que vous soyez restaurateur ou traiteur, il importe de choisir l\u2019assurance appropri\u00e9e pour prot\u00e9ger votre entreprise. Gr\u00e2ce \u00e0 ces cinq garanties, vous serez en mesure de r\u00e9pondre aux demandes de votre entreprise en toute qui\u00e9tude.<\/p>\n","protected":false},"excerpt":{"rendered":"

Le secteur de la restauration comporte son lot de risques particuliers. En tant que propri\u00e9taire de restaurant, il importe que vous \u00e9valuiez vos besoins avant de choisir les garanties qui […]<\/a><\/p>\n","protected":false},"author":11,"featured_media":16284,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[815],"tags":[680,10232,682,687,686,683,681,684,10233,10234,10235,10236,10237,10238,685,688],"class_list":["post-16286","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurance","tag-assurance-pour-restaurant","tag-food-services-industry-fr","tag-garanties-pour-restaurant","tag-industrie-alimentaire","tag-inspection-dun-restaurant","tag-pertes-liees-a-un-restaurant","tag-polices-dassurance-pour-restaurant","tag-proprietaire-de-restaurant","tag-restaurant-business-fr","tag-restaurant-coverages-fr","tag-restaurant-insurance-fr","tag-restaurant-insurance-policies-fr","tag-restaurant-losses-fr","tag-restaurant-owner-fr","tag-restauration","tag-secteur-de-la-restauration"],"acf":[],"yoast_head":"\nCinq garanties cl\u00e9s que tout propri\u00e9taire de restaurant devrait poss\u00e9der - La Federated, Compagnie d\u2019assurance du Canada<\/title>\n<meta name=\"description\" content=\"Dans cet article, nous pr\u00e9sentons les garanties cl\u00e9s que tout restaurateur devrait poss\u00e9der pour r\u00e9duire les risques li\u00e9s \u00e0 ses activit\u00e9s.\" \/>\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.federated.ca\/fr\/blog\/assurance\/top-5-insurance-coverages-every-restaurant-owner-needs\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cinq garanties cl\u00e9s que tout propri\u00e9taire de restaurant devrait poss\u00e9der\" \/>\n<meta property=\"og:description\" content=\"Le secteur de la restauration comporte son lot de risques particuliers. 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