{"id":41789,"date":"2024-08-29T14:34:27","date_gmt":"2024-08-29T18:34:27","guid":{"rendered":"https:\/\/www.federated.ca\/?p=41789"},"modified":"2025-10-31T14:13:44","modified_gmt":"2025-10-31T18:13:44","slug":"assurance-des-pertes-d-exploitation-pour-les-petites-entreprises","status":"publish","type":"post","link":"https:\/\/www.federated.ca\/fr\/blog\/assurance\/assurance-des-pertes-d-exploitation-pour-les-petites-entreprises\/","title":{"rendered":"L\u2019assurance des pertes d\u2019exploitation pour les petites entreprises"},"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 menaces qui p\u00e8sent sur les petites entreprises changent constamment. Qu\u2019il s\u2019agisse d\u2019interruptions de la cha\u00eene d\u2019approvisionnement, de p\u00e9nuries de main-d\u2019\u0153uvre, de probl\u00e8mes de cybers\u00e9curit\u00e9 ou de la progression des effets des changements climatiques, les petites entreprises canadiennes sont forc\u00e9es de s\u2019adapter en permanence.<\/p>\n<p>Bien que l\u2019<a href=\"https:\/\/www.federated.ca\/fr\/types-dassurance\/assurance-benefice-exploitation\/\">assurance des pertes d\u2019exploitation<\/a> puisse aider les petites entreprises \u00e0 g\u00e9rer les risques \u00e0 mesure qu\u2019ils \u00e9voluent, les propri\u00e9taires ne pensent pas toujours \u00e0 se procurer ce produit. Pourtant, cette protection fort utile leur permettrait sans doute de surmonter bien des difficult\u00e9s auxquelles leurs entreprises sont confront\u00e9es.<\/p>\n<h2>Qu\u2019est-ce que l\u2019assurance des pertes d\u2019exploitation?<\/h2>\n<p>L\u2019assurance des pertes d\u2019exploitation est une cat\u00e9gorie d\u2019assurance des entreprises visant \u00e0 soutenir ces derni\u00e8res lorsqu\u2019un impr\u00e9vu les force \u00e0 r\u00e9duire leurs activit\u00e9s ou \u00e0 les arr\u00eater. Cette protection est notamment utile en cas\u00a0:<\/p>\n<ul>\n<li>de catastrophes naturelles, comme les tremblements de terre, les <a href=\"https:\/\/www.federated.ca\/fr\/blog\/prevention-des-sinistres\/inondations-et-degats-deau\/\">inondations<\/a> et les temp\u00eates violentes<\/li>\n<li>d\u2019incendies<\/li>\n<li>de vol ou d\u2019actes de vandalisme<\/li>\n<li>d\u2019interruptions de la cha\u00eene d\u2019approvisionnement<\/li>\n<li>de pannes de services publics<\/li>\n<li>de dommages \u00e0 de l\u2019\u00e9quipement important<\/li>\n<\/ul>\n<p>En cas de sinistre couvert, l\u2019assurance des pertes d\u2019exploitation pourrait couvrir\u00a0:<\/p>\n<ul>\n<li>la perte du revenu qu\u2019une entreprise aurait per\u00e7u si ses activit\u00e9s n\u2019avaient pas \u00e9t\u00e9 interrompues<\/li>\n<li>la paie des employ\u00e9s et les avantages sociaux pendant la fermeture de l\u2019entreprise<\/li>\n<li>les frais fixes, comme les frais g\u00e9n\u00e9raux, les factures des services publics, les versements sur les pr\u00eats ainsi que les taxes et imp\u00f4ts pendant que l\u2019entreprise ne g\u00e9n\u00e8re aucun revenu<\/li>\n<li>les frais de d\u00e9m\u00e9nagement, si la situation l\u2019impose<\/li>\n<li>la location de mat\u00e9riel<\/li>\n<\/ul>\n<p>Aucune police n\u2019\u00e9tant identique, prenez soin de communiquer avec votre sp\u00e9cialiste en assurance pour v\u00e9rifier les garanties que la v\u00f4tre pr\u00e9voit.<\/p>\n<h2>Comment l\u2019assurance des pertes d\u2019exploitation pourrait-elle venir en aide \u00e0 votre entreprise?<\/h2>\n<p>Les petites entreprises sont parfois confront\u00e9es \u00e0 des probl\u00e8mes qui les poussent \u00e0 r\u00e9duire ou \u00e0 interrompre leurs activit\u00e9s. L\u2019assurance des pertes d\u2019exploitation peut leur offrir le soutien financier n\u00e9cessaire pour reprendre leurs activit\u00e9s si la fermeture d\u00e9coule d\u2019un risque couvert.<\/p>\n<h3>P\u00e9nuries de mat\u00e9riel<\/h3>\n<p>Les p\u00e9nuries de mat\u00e9riel peuvent toucher les entreprises de toutes tailles, mais les petites y sont plus vuln\u00e9rables, car elles n\u2019ont g\u00e9n\u00e9ralement pas le pouvoir d\u2019achat des grandes. Si ces derni\u00e8res peuvent parfois poursuivre leurs activit\u00e9s dans ces conditions, les petites entreprises risquent, elles, de devoir fermer jusqu\u2019\u00e0 ce qu\u2019elles soient r\u00e9approvisionn\u00e9es.<\/p>\n<p>Si la p\u00e9nurie de mat\u00e9riel d\u00e9coule d\u2019une interruption de la cha\u00eene d\u2019approvisionnement, une assurance des pertes d\u2019exploitation pourrait servir.<\/p>\n<h3>Ph\u00e9nom\u00e8nes m\u00e9t\u00e9orologiques extr\u00eames<\/h3>\n<p>Les <a href=\"https:\/\/www.federated.ca\/fr\/blog\/prevention-des-risques\/preparez-votre-entreprise-aux-phenomenes-meteorologiques-extremes\/\">ph\u00e9nom\u00e8nes m\u00e9t\u00e9orologiques extr\u00eames<\/a>, dont les fortes pluies, les vagues de chaleur sans pr\u00e9c\u00e9dent, les temp\u00eates d\u00e9vastatrices et les feux de for\u00eat, peuvent endommager, voire d\u00e9truire, les locaux d\u2019une entreprise et leur contenu. Une telle catastrophe pourrait vous contraindre \u00e0 relocaliser votre entreprise ou \u00e0 la fermer de fa\u00e7on temporaire.<\/p>\n<p>Si le ph\u00e9nom\u00e8ne en question figure dans votre police d\u2019assurance des pertes d\u2019exploitation, vous pourriez \u00eatre couvert.<\/p>\n<h3>P\u00e9nuries de main-d\u2019\u0153uvre<\/h3>\n<p>Les p\u00e9nuries de main-d\u2019\u0153uvre peuvent avoir des cons\u00e9quences d\u00e9sastreuses sur une entreprise, particuli\u00e8rement en ce qui a trait au personnel qualifi\u00e9.<\/p>\n<p>Bien que ce risque ne soit pas directement couvert par l\u2019assurance des pertes d\u2019exploitation, cette protection peut favoriser la r\u00e9tention du personnel en payant les salaires et les avantages sociaux des petites entreprises contraintes de fermer. Les r\u00e9percussions financi\u00e8res sur le personnel \u00e9tant amoindries, les employ\u00e9s seraient plus susceptibles de reprendre du service \u00e0 la r\u00e9ouverture.<\/p>\n<h3>Reprise retard\u00e9e<\/h3>\n<p>Les p\u00e9nuries de main-d\u2019\u0153uvre et les interruptions de la cha\u00eene d\u2019approvisionnement sont autant de facteurs susceptibles de retarder la reprise apr\u00e8s une catastrophe.<\/p>\n<p>Imaginons par exemple qu\u2019un incendie ravage un <a href=\"https:\/\/www.federated.ca\/fr\/assurance-des-entreprises\/assurance-pour-restaurants\/\">restaurant<\/a> et entra\u00eene la perte tant du b\u00e2timent que de son contenu. Si les propri\u00e9taires souhaitent reconstruire l\u2019\u00e9tablissement sur le m\u00eame site, une p\u00e9nurie de main-d\u2019\u0153uvre dans le secteur de la construction ou des retards quant \u00e0 l\u2019approvisionnement des mat\u00e9riaux ralentiraient les travaux. Sans une protection ad\u00e9quate contre les pertes d\u2019exploitation, ces retards risquent d\u2019amplifier les pertes financi\u00e8res.<\/p>\n<h2>Prot\u00e9gez-vous d\u00e8s maintenant avec l\u2019assurance des pertes d\u2019exploitation<\/h2>\n<p>Si vous voulez prot\u00e9ger votre petite entreprise des pertes potentielles associ\u00e9es \u00e0 une fermeture impr\u00e9vue, Les assurances Federated peut vous proposer une police d\u2019<a href=\"https:\/\/www.federated.ca\/fr\/types-dassurance\/assurance-benefice-exploitation\/\">assurance des pertes d\u2019exploitation<\/a> tarif\u00e9e selon vos moyens.<\/p>\n<p>D\u00e9couvrez comment vous pouvez am\u00e9liorer la protection de votre entreprise contre une fermeture possiblement fort co\u00fbteuse. <a href=\"https:\/\/www.federated.ca\/fr\/obtenez-une-soumission\/\">Demandez une soumission!<\/a><\/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. 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. Consultez votre contrat d\u2019assurance pour conna\u00eetre les conditions et les exclusions qui s\u2019appliquent. <\/em><\/p>\n<\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":35,"featured_media":42162,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[815],"tags":[11993,419,11994,11996,11987,572,11995],"class_list":["post-41789","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurance","tag-business-continuity","tag-business-insurance-fr","tag-business-interruption-insurance","tag-commercial-insurance","tag-property-insurance","tag-risk-management-fr","tag-small-business"],"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>Assurance des pertes d\u2019exploitation pour les PME \u2013 Federated<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez l\u2019assurance des pertes d\u2019exploitation. 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