{"id":16408,"date":"2023-12-18T10:00:56","date_gmt":"2023-12-18T15:00:56","guid":{"rendered":"https:\/\/www.federated.ca\/fr\/?p=16408"},"modified":"2023-12-19T11:12:06","modified_gmt":"2023-12-19T16:12:06","slug":"trois-sinistres-dans-les-restaurants","status":"publish","type":"post","link":"https:\/\/www.federated.ca\/fr\/blog\/petites-entreprises\/trois-sinistres-dans-les-restaurants\/","title":{"rendered":"Pr\u00e9venir les demandes d\u2019indemnisation les plus fr\u00e9quentes en restauration"},"content":{"rendered":"

Chaque restaurant est unique et pr\u00e9sente ses propres risques. Comme l\u2019industrie alimentaire est la source d\u2019innombrables demandes d\u2019indemnisation chaque ann\u00e9e, il est de votre devoir, en tant que propri\u00e9taire de restaurant, de conna\u00eetre les risques auxquels votre entreprise pourrait faire face. De m\u00eame, il est imp\u00e9ratif que vous preniez les mesures pr\u00e9ventives n\u00e9cessaires afin que votre restaurant puisse reprendre ses activit\u00e9s aussi vite que possible apr\u00e8s un sinistre. Nous vous pr\u00e9sentons ci-dessous trois types courants de demandes d\u2019indemnisation pr\u00e9sent\u00e9es par des restaurants, ainsi que des conseils pour r\u00e9duire votre exposition \u00e0 ces risques.<\/p>\n

Incendie<\/strong><\/h3>\n

La cuisson est une source de danger majeure pour les restaurants. Les vapeurs de graisse qui se d\u00e9gagent pendant la cuisson peuvent s\u2019accumuler dans la cuisine et poser un risque d\u2019incendie \u00e9lev\u00e9. Par ailleurs, les appareils de cuisson comme les grils et les friteuses peuvent contribuer \u00e0 la propagation des flammes et facilement mener \u00e0 l\u2019embrasement de la cuisine enti\u00e8re.<\/p>\n

Que faire? <\/em><\/strong>Si vous n\u2019avez pas d\u00e9j\u00e0 d\u2019assurance des biens des entreprises, songez \u00e0 vous en procurer une. Installez un syst\u00e8me automatique de suppression d\u2019incendie comprenant des hottes et des syst\u00e8mes de filtrage. V\u00e9rifiez les dispositifs d\u2019arr\u00eat de l\u2019alimentation en gaz de vos grils et friteuses et assurez-vous qu\u2019ils sont facilement accessibles et bien identifi\u00e9s. Veillez aussi \u00e0 placer strat\u00e9giquement des extincteurs portatifs dans la cuisine.<\/p>\n

Vol<\/strong><\/h3>\n

Dans un restaurant, beaucoup de transactions se font en argent comptant. Vos employ\u00e9s sont probablement amen\u00e9s \u00e0 manipuler de grosses sommes d\u2019argent et \u00e0 les garder sur eux pendant toute la dur\u00e9e du service. Vous gardez peut-\u00eatre aussi en stock des pi\u00e8ces de viande ou des bouteilles d\u2019alcool dispendieuses. Si votre restaurant donne dans la haute gastronomie, il contient possiblement des objets de grande valeur, comme des \u0153uvres d\u2019art, des pi\u00e8ces de collection et des souvenirs, ce qui en fait une cible de choix pour les criminels.<\/p>\n

Que faire<\/em>?<\/strong> Vous pouvez contribuer \u00e0 prot\u00e9ger votre argent comptant, vos stocks dispendieux et vos objets de valeur avec une assurance des biens. Celle-ci pourrait contribuer \u00e0 vous couvrir en cas de vol de produits (aliments et alcool), d\u2019\u00e9quipement informatique, de meubles et d\u2019installations fixes, ainsi que d\u2019argent.<\/p>\n

Empoisonnement alimentaire<\/strong><\/h3>\n

Un r\u00e9frig\u00e9rateur ou un cong\u00e9lateur hors d\u2019\u00e9tat de marche ou d\u00e9fectueux pr\u00e9sente un risque de contamination des aliments, ce qui peut mener \u00e0 un empoisonnement alimentaire, l\u2019un des risques les plus importants dans le secteur de la restauration. Si un client d\u00e9clare avoir \u00e9t\u00e9 victime d\u2019un empoisonnement alimentaire apr\u00e8s avoir mang\u00e9 \u00e0 votre restaurant, vous pourriez \u00eatre tenu pour responsable et \u00e9ventuellement, poursuivi. Le cas \u00e9ch\u00e9ant, vous voudrez pouvoir compter sur une assurance de la responsabilit\u00e9 associ\u00e9e aux aliments. G\u00e9n\u00e9ralement, les polices d\u2019assurance de la responsabilit\u00e9 civile des entreprises n\u2019offrent pas cette protection.<\/p>\n

Que faire? <\/em><\/strong>Procurez-vous une assurance de la responsabilit\u00e9 associ\u00e9e aux produits alimentaires, qui aidera \u00e0 vous couvrir dans le cas d\u2019un sinistre de nature alimentaire. Ce type de protection s\u2019\u00e9tend habituellement aussi \u00e0 la perte de revenu, au nettoyage de l\u2019\u00e9quipement et aux co\u00fbts de remplacement des aliments contamin\u00e9s si une inspection s\u2019av\u00e9rait n\u00e9cessaire.<\/p>\n

Prot\u00e9gez-vous et prot\u00e9gez votre restaurant<\/strong><\/h3>\n

M\u00eame en prenant toutes les mesures pr\u00e9ventives possibles, des probl\u00e8mes pourraient survenir \u00e0 votre restaurant. C\u2019est pourquoi il est extr\u00eamement important, et m\u00eame avantageux, de vous procurer l\u2019assurance ad\u00e9quate. Pour d\u00e9couvrir d\u2019autres fa\u00e7ons de vous prot\u00e9ger, vous et votre entreprise, consultez notre page consacr\u00e9e \u00e0 l\u2019assurance con\u00e7ue pour les restaurants<\/a> d\u00e8s aujourd\u2019hui.<\/p>\n

\u00a0<\/em><\/p>\n

Le pr\u00e9sent billet de blogue est fourni uniquement \u00e0 titre informatif et ne vise pas \u00e0 remplacer les conseils de professionnels.<\/em> Nous ne faisons aucune assertion et n\u2019offrons aucune garantie relativement \u00e0 l\u2019exactitude ou \u00e0 l\u2019int\u00e9gralit\u00e9 des renseignements pr\u00e9sent\u00e9s. Nous ne pourrons en aucun cas \u00eatre tenus pour responsables des pertes pouvant d\u00e9couler de leur utilisation.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Chaque restaurant est unique et pr\u00e9sente ses propres risques. Comme l\u2019industrie alimentaire est la source d\u2019innombrables demandes d\u2019indemnisation chaque ann\u00e9e, il est de votre devoir, en tant que propri\u00e9taire de […]<\/a><\/p>\n","protected":false},"author":11,"featured_media":16397,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[815,163],"tags":[724,10278,723,725,10279,10235],"class_list":["post-16408","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurance","category-petites-entreprises","tag-assurance-pour-restaurants","tag-common-restaurant-insurance-claims-fr","tag-eviter-les-sinistres-dans-les-restaurants","tag-reclamations-dassurance-restaurants","tag-restaurant-claims-insurance-fr","tag-restaurant-insurance-fr"],"acf":[],"yoast_head":"\nPr\u00e9venir les demandes d\u2019indemnisation les plus fr\u00e9quentes en restauration - La Federated, Compagnie d\u2019assurance du Canada<\/title>\n<meta name=\"description\" content=\"Bon an mal an, l\u2019industrie alimentaire est la source d\u2019un grand nombre de r\u00e9clamations. 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