{"id":23560,"date":"2024-01-22T10:55:33","date_gmt":"2024-01-22T15:55:33","guid":{"rendered":"https:\/\/www.federated.ca\/blog\/non-classifiee\/retailer-insurance\/"},"modified":"2025-10-31T16:56:47","modified_gmt":"2025-10-31T20:56:47","slug":"assurance-pour-les-detaillants","status":"publish","type":"post","link":"https:\/\/www.federated.ca\/fr\/blog\/assurance\/assurance-pour-les-detaillants\/","title":{"rendered":"Quels types d\u2019assurance pour les d\u00e9taillants votre entreprise devrait-elle se procurer?"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1404px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><p>Les t\u00e2ches quotidiennes li\u00e9es \u00e0 l\u2019exploitation d\u2019un commerce de d\u00e9tail tiendraient quiconque bien occup\u00e9. La derni\u00e8re chose que tout d\u00e9taillant souhaite, c\u2019est d\u2019avoir \u00e0 consacrer du temps aux probl\u00e8mes d\u00e9coulant d\u2019un sinistre. C\u2019est l\u00e0 que l\u2019assurance pour les d\u00e9taillants entre en jeu.<\/p>\n<p>\u00c9tant donn\u00e9 la multitude d\u2019assurances offertes, il est difficile de d\u00e9terminer par o\u00f9 commencer. Voici cinq importantes assurances que tous les d\u00e9taillants devraient songer \u00e0 se procurer pour bien prot\u00e9ger leur entreprise.<\/p>\n<h3><strong>Assurance de la responsabilit\u00e9 civile des entreprises<\/strong><\/h3>\n<p>Vous pouvez d\u00e9gager les voies menant \u00e0 votre magasin, poser des tapis antid\u00e9rapants dans votre entr\u00e9e et installer des affiches \u00ab\u00a0plancher mouill\u00e9\u00a0\u00bb aux endroits appropri\u00e9s. Toutefois, malgr\u00e9 tous vos efforts, une personne pourrait tout de m\u00eame se blesser sur les lieux de votre entreprise. Vous pourriez alors \u00eatre tenu responsable de l\u2019incident et faire l\u2019objet d\u2019une poursuite co\u00fbteuse.<\/p>\n<p>C\u2019est pourquoi l\u2019<a href=\"https:\/\/www.federated.ca\/fr\/assurance-des-entreprises\/protection-contre-la-responsabilite-civile\/\">assurance de la responsabilit\u00e9 civile des entreprises<\/a>, ou RCE, est si importante. Pilier de tout programme d\u2019assurance responsabilit\u00e9 pour les propri\u00e9taires d\u2019entreprise, l\u2019assurance RCE est con\u00e7ue pour vous prot\u00e9ger si vous \u00eates tenu l\u00e9galement responsable de dommages corporels ou mat\u00e9riels subis par un tiers.<\/p>\n<h3><strong>Assurance des biens des entreprises<\/strong><\/h3>\n<p>M\u00eame si vos ventes vous occupent \u00e9norm\u00e9ment, vous devez quand m\u00eame vous pr\u00e9parer en cas d\u2019incidents, entre autres en cas d\u2019incendie, d\u2019inondation ou de vandalisme.<\/p>\n<p>Vous pouvez et devez prendre des pr\u00e9cautions pour r\u00e9duire les risques, comme \u00e9tablir une <a href=\"https:\/\/www.federated.ca\/fr\/blog\/prevention-des-risques\/liste-de-personnes-a-joindre-en-cas-d-urgence\/\">liste des personnes \u00e0 joindre en cas d\u2019urgence<\/a>, vous doter de l\u2019\u00e9quipement n\u00e9cessaire pour combattre les incendies et les inondations et accro\u00eetre vos mesures de s\u00e9curit\u00e9. Mais il arrive que de telles mesures ne soient pas suffisantes.<\/p>\n<p>Une <a href=\"https:\/\/www.federated.ca\/fr\/assurance-des-entreprises\/protegez-vos-biens\/\">assurance des biens des entreprises<\/a> prot\u00e8ge non seulement votre b\u00e2timent, mais \u00e9galement la majeure partie de son contenu, comme l\u2019\u00e9quipement, le mobilier, les installations fixes, les outils, les machines et les biens de tiers.<\/p>\n<h3><strong>Assurance des cyberrisques<\/strong><\/h3>\n<p>Selon un sondage de 2022 de la F\u00e9d\u00e9ration canadienne de l\u2019entreprise ind\u00e9pendante (FCEI), pr\u00e8s de la moiti\u00e9 des petites entreprises canadiennes (45\u00a0%) auraient subi une cyberattaque al\u00e9atoire en 2021 tandis que 27\u00a0% auraient \u00e9t\u00e9 victimes d\u2019une attaque cibl\u00e9e.<\/p>\n<p>Pour les cybercriminels, les petites entreprises sont souvent des cibles plus faciles que les grandes entreprises, car elles n\u2019ont habituellement pas autant de mesures en place pour se d\u00e9fendre, comme des pare-feu de r\u00e9seau, l\u2019authentification \u00e0 deux facteurs et des outils de protection contre la fraude. Des pirates peuvent m\u00eame se servir de petites entreprises dans le but d\u2019acc\u00e9der \u00e0 d\u2019importants fournisseurs ou clients.<\/p>\n<p>Ces incidents peuvent avoir de lourdes cons\u00e9quences financi\u00e8res et entra\u00eener des pertes de revenu et de productivit\u00e9. Ils peuvent \u00e9galement occasionner des co\u00fbts impr\u00e9vus, comme ceux li\u00e9s aux interventions en cas d\u2019atteinte \u00e0 la protection des donn\u00e9es et \u00e0 la reprise des activit\u00e9s. Il est \u00e9galement possible que des co\u00fbts aient \u00e0 \u00eatre engag\u00e9s pour aviser les clients de la perte de leurs donn\u00e9es ou de la compromission de la s\u00e9curit\u00e9 \u00e0 cet \u00e9gard.<\/p>\n<p>Certains d\u00e9taillants croient peut-\u00eatre que les protections en responsabilit\u00e9 civile ou en biens de leur police d\u2019assurance actuelle les prot\u00e8gent contre les cyberrisques. Mais puisque les donn\u00e9es ne sont pas consid\u00e9r\u00e9es comme des biens mat\u00e9riels, elles sont g\u00e9n\u00e9ralement exclues des polices d\u2019assurance des biens.<\/p>\n<p>L\u2019<a href=\"https:\/\/www.federated.ca\/fr\/types-dassurance\/assurance-cyberrisques\/\">assurance des cyberrisques<\/a> est express\u00e9ment con\u00e7ue pour contribuer \u00e0 prot\u00e9ger les petites entreprises contre certaines pertes pouvant d\u00e9couler d\u2019une cyberattaque ou d\u2019une violation de donn\u00e9es. Par exemple, elle peut aider \u00e0 couvrir les frais engag\u00e9s pour r\u00e9pondre \u00e0 un incident, r\u00e9cup\u00e9rer des donn\u00e9es ou faire appel \u00e0 des services de relations publiques.<\/p>\n<p>Par exemple, si votre entreprise est victime d\u2019un piratage informatique et que des renseignements personnels sur vos clients font l\u2019objet d\u2019un vol, votre assurance des cyberrisques pourrait vous aider \u00e0 couvrir les frais juridiques en cas de r\u00e9clamation ainsi que les frais engag\u00e9s pour restaurer votre r\u00e9seau et obtenir des services d\u2019une agence de relations publiques afin que vous puissiez reprendre vos activit\u00e9s le plus rapidement possible.<\/p>\n<h3><strong>Couverture multirisque de crimes et d\u00e9lits<\/strong><\/h3>\n<p>En tant que d\u00e9taillant, vous devriez vous soucier particuli\u00e8rement des risques de vol.\u00a0Qui plus est, certains de ces vols sont commis par vos propres employ\u00e9s. Selon le Conseil canadien du commerce de d\u00e9tail, <a href=\"https:\/\/www.hcamag.com\/ca\/specialization\/employment-law\/how-should-i-discipline-an-employee-for-theft\/445028#:~:text=According%20to%20data%20from%20the,fraud%20%2D%20which%20includes%20employee%20theft.\">75\u00a0% des employ\u00e9s<\/a> admettent avoir d\u00e9j\u00e0 vol\u00e9 leur employeur au moins une fois.<\/p>\n<p>Alors, que pouvez-vous faire pour vous prot\u00e9ger contre ces risques? La <a href=\"https:\/\/www.federated.ca\/fr\/assurance-des-entreprises\/protegez-vos-biens\/\">couverture multirisque de crimes et d\u00e9lits<\/a> des Assurances Federated vous prot\u00e8ge contre la malhonn\u00eatet\u00e9 d\u2019un employ\u00e9 et en cas de perte d\u2019argent ou de valeurs \u00e0 la suite, notamment, d\u2019un vol avec violence, d\u2019un vol avec effraction ou d\u2019un vol \u00e0 main arm\u00e9e. Nous offrons \u00e9galement des services pour vous aider \u00e0 am\u00e9liorer vos mesures de s\u00e9curit\u00e9, ce qui peut contribuer \u00e0 r\u00e9duire les risques auxquels vous \u00eates expos\u00e9.<\/p>\n<p>De plus, vous pouvez prendre des mesures pr\u00e9ventives. Par exemple, vous pouvez vous assurer d\u2019avoir un bon \u00e9clairage, installer des cam\u00e9ras de surveillance, utiliser des \u00e9tiquettes \u00e9lectroniques sur votre marchandise et placer les articles de valeur pr\u00e8s des caisses.<\/p>\n<h3><strong>Assurance des pertes d\u2019exploitation<\/strong><\/h3>\n<p>Lors d\u2019un incident, le pire est peut-\u00eatre encore \u00e0 venir. Si vous avez subi des dommages ou des pertes, vous pourriez ne pas \u00eatre en mesure de poursuivre vos activit\u00e9s pendant quelque temps. Cette p\u00e9riode d\u2019inactivit\u00e9 peut mener \u00e0 des pertes de revenu.<\/p>\n<p>C\u2019est l\u00e0 que <a href=\"https:\/\/www.federated.ca\/fr\/types-dassurance\/assurance-benefice-exploitation\/\">l\u2019assurance des pertes d\u2019exploitation<\/a> entre en jeu. Elle pourrait vous permettre de r\u00e9cup\u00e9rer les revenus que vous auriez normalement produits, n\u2019e\u00fbt \u00e9t\u00e9 cet incident. Cette assurance pourrait aussi couvrir vos frais d\u2019exploitation normaux ainsi que vos frais suppl\u00e9mentaires afin de vous aider \u00e0 reprendre vos activit\u00e9s le plus rapidement possible ou \u00e0 r\u00e9duire vos pertes.<\/p>\n<h3><strong>Prot\u00e9gez-vous et prot\u00e9gez votre entreprise<\/strong><\/h3>\n<p>Risques et vente au d\u00e9tail vont de pair, tout comme confort et assurance. En tant que d\u00e9taillant, vous avez d\u00e9j\u00e0 un horaire charg\u00e9. Vous ne devriez pas avoir \u00e0 vous inqui\u00e9ter, en plus, des dommages qui pourraient \u00eatre caus\u00e9s \u00e0 vos biens, des poursuites, des cyberattaques. Une assurance des d\u00e9taillants peut vous aider. Pour en savoir plus sur la fa\u00e7on de vous prot\u00e9ger, votre entreprise et vous, consultez <a href=\"https:\/\/www.federated.ca\/fr\/assurance-des-entreprises\/assurance-pour-grossistes-et-detaillants\/\">notre page Web consacr\u00e9e \u00e0 l\u2019assurance des d\u00e9taillants<\/a> d\u00e8s aujourd\u2019hui.<\/p>\n<p><em>Le pr\u00e9sent billet de blogue est fourni uniquement \u00e0 titre informatif et ne vise pas \u00e0 remplacer les conseils de professionnels.<\/em><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 responsables des pertes pouvant d\u00e9couler de l\u2019utilisation de ces renseignements.<\/em><\/p>\n<\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":19,"featured_media":23558,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[815],"tags":[419,11994,11996,11988,201,11987,12034,12060,572],"class_list":["post-23560","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurance","tag-business-insurance-fr","tag-business-interruption-insurance","tag-commercial-insurance","tag-liability-insurance","tag-loss-prevention-fr","tag-property-insurance","tag-retail-industry","tag-retailer-insurance","tag-risk-management-fr"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Les types d\u2019assurances pour les d\u00e9taillants \u2013 Les assurances Federated<\/title>\n<meta name=\"description\" content=\"Il est crucial pour les d\u00e9taillants de s\u2019assurer. Mais quelles assurances choisir? En voici cinq types qui peuvent vous aider \u00e0 prot\u00e9ger votre entreprise.\" \/>\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\/assurance-pour-les-detaillants\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Quels types d\u2019assurance pour les d\u00e9taillants votre entreprise devrait-elle se procurer?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.federated.ca\/fr\/blog\/assurance\/assurance-pour-les-detaillants\/\" \/>\n<meta property=\"og:site_name\" content=\"La Federated, Compagnie d\u2019assurance du Canada\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/FedInsCanada\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-01-22T15:55:33+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-31T20:56:47+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.federated.ca\/wp-content\/uploads\/2017\/12\/retail-coverage-1030x441.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1030\" \/>\n\t<meta property=\"og:image:height\" content=\"441\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Ellen Brait\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ellen Brait\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.federated.ca\\\/fr\\\/blog\\\/assurance\\\/assurance-pour-les-detaillants\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.federated.ca\\\/fr\\\/blog\\\/assurance\\\/assurance-pour-les-detaillants\\\/\"},\"author\":{\"name\":\"Ellen Brait\",\"@id\":\"https:\\\/\\\/www.federated.ca\\\/fr\\\/#\\\/schema\\\/person\\\/0f1d7a31d13f94af7d7b7ed870e2e655\"},\"headline\":\"Quels types d\u2019assurance pour les d\u00e9taillants votre entreprise devrait-elle se procurer?\",\"datePublished\":\"2024-01-22T15:55:33+00:00\",\"dateModified\":\"2025-10-31T20:56:47+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.federated.ca\\\/fr\\\/blog\\\/assurance\\\/assurance-pour-les-detaillants\\\/\"},\"wordCount\":1518,\"publisher\":{\"@id\":\"https:\\\/\\\/www.federated.ca\\\/fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.federated.ca\\\/fr\\\/blog\\\/assurance\\\/assurance-pour-les-detaillants\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.federated.ca\\\/wp-content\\\/uploads\\\/2017\\\/12\\\/retail-coverage.jpg\",\"keywords\":[\"business insurance\",\"business interruption insurance\",\"commercial insurance\",\"liability insurance\",\"loss prevention\",\"property insurance\",\"retail industry\",\"retailer insurance\",\"Risk management\"],\"articleSection\":[\"Assurance\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.federated.ca\\\/fr\\\/blog\\\/assurance\\\/assurance-pour-les-detaillants\\\/\",\"url\":\"https:\\\/\\\/www.federated.ca\\\/fr\\\/blog\\\/assurance\\\/assurance-pour-les-detaillants\\\/\",\"name\":\"Les types d\u2019assurances pour les d\u00e9taillants \u2013 Les assurances Federated\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.federated.ca\\\/fr\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.federated.ca\\\/fr\\\/blog\\\/assurance\\\/assurance-pour-les-detaillants\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.federated.ca\\\/fr\\\/blog\\\/assurance\\\/assurance-pour-les-detaillants\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.federated.ca\\\/wp-content\\\/uploads\\\/2017\\\/12\\\/retail-coverage.jpg\",\"datePublished\":\"2024-01-22T15:55:33+00:00\",\"dateModified\":\"2025-10-31T20:56:47+00:00\",\"description\":\"Il est crucial pour les d\u00e9taillants de s\u2019assurer. 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