{"id":245825,"date":"2026-10-15T10:18:05","date_gmt":"2026-10-15T08:18:05","guid":{"rendered":"https:\/\/berneyassocies.com\/?p=245825"},"modified":"2026-10-15T14:37:17","modified_gmt":"2026-10-15T12:37:17","slug":"your-company-insurance-is-about-to-expire-is-it-too-late","status":"publish","type":"post","link":"https:\/\/berneyassocies.com\/en\/vos-assurances-dentreprise-arrivent-a-echeance-est-il-trop-tard\/","title":{"rendered":"Business insurance: too late to review your contracts?"},"content":{"rendered":"\n[et_pb_section fb_built=\u00a0\u00bb1″ _builder_version=\u00a0\u00bb4.23.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#002856″ custom_margin=\u00a0\u00bb0px||||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb0px||0px||true|false\u00a0\u00bb da_disable_devices=\u00a0\u00bboff|off|off\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb da_is_popup=\u00a0\u00bboff\u00a0\u00bb da_exit_intent=\u00a0\u00bboff\u00a0\u00bb 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L\u2019\u00e9ch\u00e9ance de r\u00e9siliation n\u2019est pas le moment o\u00f9 l\u2019analyse devrait commencer : id\u00e9alement, c\u2019est le moment o\u00f9 elle devrait d\u00e9j\u00e0 \u00eatre termin\u00e9e. Une mise en concurrence efficace demande du temps, des donn\u00e9es fiables et une comparaison qui va bien au-del\u00e0 uniquement de la prime.<\/h2>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.27.9″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#FB0346″ header_2_text_color=\u00a0\u00bb#002856″ header_3_text_color=\u00a0\u00bb#FB0346″ header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb min_height=\u00a0\u00bb41px\u00a0\u00bb custom_margin=\u00a0\u00bb2px||2px||true|true\u00a0\u00bb custom_padding=\u00a0\u00bb12px||12px||true|true\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]

1. Premi\u00e8re \u00e9tape : v\u00e9rifier les \u00e9ch\u00e9ances\u2026 contrat par contrat<\/span><\/h2>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.27.9″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_2_text_color=\u00a0\u00bb#002856″ header_3_text_color=\u00a0\u00bb#002856″ header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb min_height=\u00a0\u00bb80px\u00a0\u00bb custom_margin=\u00a0\u00bb2px||15px||false|true\u00a0\u00bb custom_padding=\u00a0\u00bb11px||0px||false|true\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]

\u00c0 l\u2019approche de la fin d\u2019ann\u00e9e, de nombreuses entreprises se demandent s\u2019il est encore temps de revoir leurs assurances. La r\u00e9ponse d\u00e9pend d\u2019abord des contrats concern\u00e9s : il n\u2019existe pas une date de r\u00e9siliation unique applicable \u00e0 l\u2019ensemble d\u2019un portefeuille d\u2019assurances.<\/p>\n

Pour de nombreux contrats soumis \u00e0 la Loi sur le contrat d\u2019assurance (LCA), un droit de r\u00e9siliation ordinaire existe notamment pour la fin de la troisi\u00e8me ann\u00e9e et de chacune des ann\u00e9es suivantes, moyennant un pr\u00e9avis de trois mois. Des dispositions plus favorables peuvent toutefois \u00eatre pr\u00e9vues, et certaines branches r\u00e9pondent \u00e0 des r\u00e8gles particuli\u00e8res. L\u2019ann\u00e9e d\u2019assurance ne se termine par ailleurs pas n\u00e9cessairement le 31 d\u00e9cembre.<\/p>\n

Le fameux \u00ab 30 septembre \u00bb n\u2019est donc pas une r\u00e8gle universelle. Avant toute d\u00e9marche, il faut v\u00e9rifier la police, les conditions g\u00e9n\u00e9rales d\u2019assurance (CGA), la date d\u2019\u00e9ch\u00e9ance et les modalit\u00e9s de r\u00e9siliation propres \u00e0 chaque contrat.<\/p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.27.9″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#FB0346″ header_2_text_color=\u00a0\u00bb#002856″ header_3_text_color=\u00a0\u00bb#FB0346″ header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb min_height=\u00a0\u00bb41px\u00a0\u00bb custom_margin=\u00a0\u00bb2px||2px||true|true\u00a0\u00bb custom_padding=\u00a0\u00bb12px||12px||true|true\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]

2. Une augmentation tarifaire peut rouvrir une fen\u00eatre de r\u00e9siliation<\/span><\/h2>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.27.9″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font_size=\u00a0\u00bb17px\u00a0\u00bb text_line_height=\u00a0\u00bb1.2em\u00a0\u00bb header_2_text_color=\u00a0\u00bb#002856″ header_3_text_color=\u00a0\u00bb#002856″ header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb background_color=\u00a0\u00bbrgba(251,3,70,0.11)\u00a0\u00bb min_height=\u00a0\u00bb80px\u00a0\u00bb custom_margin=\u00a0\u00bb2px|0px|20px|0px|false|false\u00a0\u00bb custom_padding=\u00a0\u00bb13px||0px|19px|false|false\u00a0\u00bb border_width_left=\u00a0\u00bb3px\u00a0\u00bb border_color_left=\u00a0\u00bb#FB0346″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]

\u00c0 conna\u00eetre \u2013 Clause d\u2019Adaptation tarifaire (CAP)<\/strong>
Un d\u00e9lai de r\u00e9siliation ordinaire d\u00e9j\u00e0 d\u00e9pass\u00e9 ne signifie pas toujours qu\u2019il est trop tard. De nombreuses CGA permettent \u00e0 l\u2019assureur d\u2019adapter la prime ou certaines conditions pour la p\u00e9riode d\u2019assurance suivante. Lorsqu\u2019il utilise cette clause et informe le client dans le d\u00e9lai contractuellement pr\u00e9vu, les CGA accordent g\u00e9n\u00e9ralement au preneur un droit de r\u00e9siliation sp\u00e9cifique s\u2019il refuse la modification. Selon le contrat, cette r\u00e9siliation peut \u00eatre exerc\u00e9e jusqu\u2019au dernier jour de la p\u00e9riode d\u2019assurance.<\/p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.27.9″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_2_text_color=\u00a0\u00bb#002856″ header_3_text_color=\u00a0\u00bb#002856″ header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb min_height=\u00a0\u00bb80px\u00a0\u00bb custom_margin=\u00a0\u00bb2px||20px||false|true\u00a0\u00bb custom_padding=\u00a0\u00bb11px||0px||false|true\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]

Ce m\u00e9canisme est encore souvent m\u00e9connu. Une entreprise qui n\u2019aurait pas r\u00e9sili\u00e9 son contrat dans le d\u00e9lai ordinaire peut ainsi disposer d\u2019une nouvelle possibilit\u00e9 d\u2019agir lorsqu\u2019elle re\u00e7oit une nouvelle police, un avis de renouvellement ou une communication annon\u00e7ant une hausse tarifaire.<\/p>\n

Les d\u00e9lais et les modalit\u00e9s varient selon les assureurs et les produits. Il faut donc examiner les CGA applicables avant de conclure qu\u2019une \u00e9ch\u00e9ance est d\u00e9finitivement pass\u00e9e. Certaines conditions du march\u00e9 pr\u00e9voient une information quelques semaines avant la fin de l\u2019ann\u00e9e d\u2019assurance, d\u2019autres plusieurs mois \u00e0 l\u2019avance.<\/p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.27.9″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#FB0346″ header_2_text_color=\u00a0\u00bb#002856″ header_3_text_color=\u00a0\u00bb#FB0346″ header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb min_height=\u00a0\u00bb41px\u00a0\u00bb custom_margin=\u00a0\u00bb2px||2px||true|true\u00a0\u00bb custom_padding=\u00a0\u00bb12px||12px||true|true\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]

3. La date de r\u00e9siliation n\u2019est pas la date de d\u00e9but de l\u2019appel d\u2019offres <\/span><\/h2>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.27.9″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_2_text_color=\u00a0\u00bb#002856″ header_3_text_color=\u00a0\u00bb#002856″ header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb min_height=\u00a0\u00bb80px\u00a0\u00bb custom_margin=\u00a0\u00bb2px||20px||false|true\u00a0\u00bb custom_padding=\u00a0\u00bb11px||0px||false|true\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]

M\u00eame lorsqu\u2019un contrat peut encore \u00eatre r\u00e9sili\u00e9, cela ne signifie pas qu\u2019il soit judicieux d\u2019attendre les derni\u00e8res semaines pour lancer une mise en concurrence. Une v\u00e9ritable analyse demande du temps.<\/p>\n

Avant d\u2019interroger le march\u00e9, il faut notamment comprendre l\u2019activit\u00e9 actuelle de l\u2019entreprise, identifier les changements intervenus depuis la derni\u00e8re analyse, v\u00e9rifier les couvertures existantes, rassembler les donn\u00e9es utiles et \u00e9tudier la sinistralit\u00e9. Il faut ensuite d\u00e9finir les garanties et conditions souhait\u00e9es afin que les assureurs soient sollicit\u00e9s sur une base comparable.<\/p>\n

\u00c0 titre d\u2019exemple, un appel d\u2019offres en assurances de personnes n\u00e9cessite g\u00e9n\u00e9ralement des informations telles que les effectifs, les masses salariales, les couvertures recherch\u00e9es, certaines clauses particuli\u00e8res et les statistiques de sinistres. Des donn\u00e9es incompl\u00e8tes ou tardives peuvent ralentir la consultation du march\u00e9 ou rendre les offres difficiles \u00e0 comparer.<\/p>\n

Viennent ensuite les \u00e9ventuelles questions des assureurs, l\u2019analyse des offres re\u00e7ues, les n\u00e9gociations, la recommandation et enfin la d\u00e9cision de l\u2019entreprise. Une bonne mise en concurrence se pr\u00e9pare donc plusieurs mois avant l\u2019\u00e9ch\u00e9ance \u2013 pas quelques jours avant la r\u00e9siliation.<\/p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.27.9″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#FB0346″ header_2_text_color=\u00a0\u00bb#002856″ header_3_text_color=\u00a0\u00bb#FB0346″ header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb min_height=\u00a0\u00bb41px\u00a0\u00bb custom_margin=\u00a0\u00bb2px||2px||true|true\u00a0\u00bb custom_padding=\u00a0\u00bb12px||12px||true|true\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]

4. Mettre en concurrence ne signifie pas forc\u00e9ment changer d\u2019assureur<\/span><\/h2>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.27.9″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_2_text_color=\u00a0\u00bb#002856″ header_3_text_color=\u00a0\u00bb#002856″ header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb min_height=\u00a0\u00bb80px\u00a0\u00bb custom_margin=\u00a0\u00bb2px||20px||false|true\u00a0\u00bb custom_padding=\u00a0\u00bb11px||0px||false|true\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]

L\u2019objectif d\u2019un appel d\u2019offres n\u2019est pas de changer d\u2019assureur \u00e0 tout prix. Il consiste d\u2019abord \u00e0 v\u00e9rifier si la solution en place reste adapt\u00e9e \u00e0 la situation de l\u2019entreprise et au march\u00e9.
Il arrive que l\u2019assureur actuel demeure la meilleure option, \u00e9ventuellement apr\u00e8s une ren\u00e9gociation. Dans d\u2019autres cas, l\u2019analyse peut mettre en \u00e9vidence une prime devenue peu comp\u00e9titive, des garanties insuffisantes, des franchises mal adapt\u00e9es, des limitations contractuelles ou encore des prestations de service moins int\u00e9ressantes que celles propos\u00e9es par le march\u00e9.<\/p>\n

Le prix fait naturellement partie de la d\u00e9cision. Mais il devrait \u00eatre analys\u00e9 apr\u00e8s avoir v\u00e9rifi\u00e9 que les solutions compar\u00e9es offrent un niveau de protection r\u00e9ellement comparable.<\/p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.27.9″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#FB0346″ header_2_text_color=\u00a0\u00bb#002856″ header_3_text_color=\u00a0\u00bb#FB0346″ header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb min_height=\u00a0\u00bb41px\u00a0\u00bb custom_margin=\u00a0\u00bb2px||2px||true|true\u00a0\u00bb custom_padding=\u00a0\u00bb12px||12px||true|true\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]

5. Quand faut-il particuli\u00e8rement envisager une analyse du march\u00e9 <\/span><\/h2>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.27.9″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_2_text_color=\u00a0\u00bb#002856″ header_3_text_color=\u00a0\u00bb#002856″ header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb min_height=\u00a0\u00bb80px\u00a0\u00bb custom_margin=\u00a0\u00bb2px||20px||false|true\u00a0\u00bb custom_padding=\u00a0\u00bb11px||0px||false|true\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]
    \n
  • Une augmentation significative des primes ;<\/li>\n
  • Plusieurs ann\u00e9es sans v\u00e9ritable analyse du portefeuille ;<\/li>\n
  • Une croissance importante des effectifs ou du chiffre d\u2019affaires ;<\/li>\n
  • Une nouvelle activit\u00e9, de nouveaux produits ou de nouveaux march\u00e9s ;<\/li>\n
  • Un d\u00e9m\u00e9nagement, de nouveaux locaux ou des investissements importants ;<\/li>\n
  • Une \u00e9volution marqu\u00e9e de la sinistralit\u00e9 ;<\/li>\n
  • Ou tout simplement des couvertures dont plus personne ne sait r\u00e9ellement si elles correspondent encore aux besoins de l\u2019entreprise.<\/li>\n<\/ul>\n

    Dans ces situations, la bonne question n\u2019est pas forc\u00e9ment \u00ab devons-nous changer d\u2019assureur ? \u00bb, mais plut\u00f4t :<\/p>\n

    \u00ab Si nous devions aujourd\u2019hui construire notre programme d\u2019assurances \u00e0 partir de z\u00e9ro, choisirions-nous encore les m\u00eames couvertures et les m\u00eames partenaires ? \u00bb<\/p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.27.9″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#FB0346″ header_2_text_color=\u00a0\u00bb#002856″ header_3_text_color=\u00a0\u00bb#FB0346″ header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb min_height=\u00a0\u00bb41px\u00a0\u00bb custom_margin=\u00a0\u00bb2px||2px||true|true\u00a0\u00bb custom_padding=\u00a0\u00bb12px||12px||true|true\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]

    6. Et si l\u2019\u00e9ch\u00e9ance est d\u00e9j\u00e0 tr\u00e8s proche ? <\/span><\/h2>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.27.9″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_2_text_color=\u00a0\u00bb#002856″ header_3_text_color=\u00a0\u00bb#002856″ header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb min_height=\u00a0\u00bb68px\u00a0\u00bb custom_margin=\u00a0\u00bb2px||26px||false|true\u00a0\u00bb custom_padding=\u00a0\u00bb11px||0px||false|true\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]

    M\u00eame lorsque l\u2019\u00e9ch\u00e9ance approche, il ne faut pas automatiquement conclure qu\u2019il est trop tard pour agir.<\/p>\n

    La premi\u00e8re \u00e9tape consiste \u00e0 v\u00e9rifier pr\u00e9cis\u00e9ment les dispositions du contrat et des conditions g\u00e9n\u00e9rales. Dans certains cas, une adaptation tarifaire ou une modification des conditions contractuelles peut ouvrir un droit de r\u00e9siliation sp\u00e9cifique, distinct du d\u00e9lai de r\u00e9siliation ordinaire. La r\u00e9ception d\u2019une nouvelle police ou d\u2019un avis de renouvellement comportant une hausse de prime m\u00e9rite donc d\u2019\u00eatre examin\u00e9e attentivement.<\/p>\n

    Une autre possibilit\u00e9 existe \u00e9galement : demander \u00e0 l\u2019assureur en place un report du d\u00e9lai de r\u00e9siliation.<\/p>\n

    Dans la pratique, certains assureurs acceptent, selon la situation, de prolonger ce d\u00e9lai d\u2019un \u00e0 trois mois afin de laisser \u00e0 l\u2019entreprise le temps d\u2019analyser ses besoins, de solliciter le march\u00e9 et de comparer les diff\u00e9rentes solutions.<\/p>\n

    Cette possibilit\u00e9 n\u2019est toutefois ni automatique ni pr\u00e9vue comme un droit g\u00e9n\u00e9ral du preneur d\u2019assurance. Elle doit \u00eatre n\u00e9goci\u00e9e avec l\u2019assureur et id\u00e9alement confirm\u00e9e par \u00e9crit. Un tel report peut \u00eatre particuli\u00e8rement utile lorsqu\u2019une entreprise souhaite \u00e9viter de prendre une d\u00e9cision dans l\u2019urgence. Plut\u00f4t que de r\u00e9silier \u00ab par pr\u00e9caution \u00bb sans avoir encore \u00e9tudi\u00e9 les alternatives, elle peut ainsi disposer d\u2019un d\u00e9lai suppl\u00e9mentaire pour mener une mise en concurrence dans de bonnes conditions.<\/p>\n

    Enfin, si aucune de ces possibilit\u00e9s n\u2019est ouverte et que le contrat doit se poursuivre, le travail effectu\u00e9 n\u2019est pas perdu. L\u2019entreprise peut d\u00e9j\u00e0 identifier les points \u00e0 am\u00e9liorer, pr\u00e9parer les informations n\u00e9cessaires et anticiper suffisamment t\u00f4t la prochaine \u00e9ch\u00e9ance.<\/p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.27.9″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font_size=\u00a0\u00bb17px\u00a0\u00bb text_line_height=\u00a0\u00bb1.2em\u00a0\u00bb header_2_text_color=\u00a0\u00bb#002856″ header_3_text_color=\u00a0\u00bb#002856″ header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb background_color=\u00a0\u00bbrgba(251,3,70,0.11)\u00a0\u00bb min_height=\u00a0\u00bb80px\u00a0\u00bb custom_margin=\u00a0\u00bb2px|0px|20px|0px|false|false\u00a0\u00bb custom_padding=\u00a0\u00bb13px||0px|19px|false|false\u00a0\u00bb border_width_left=\u00a0\u00bb3px\u00a0\u00bb border_color_left=\u00a0\u00bb#FB0346″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]

    Bon \u00e0 savoir<\/strong>
    Lorsque l\u2019\u00e9ch\u00e9ance approche, il vaut donc la peine de v\u00e9rifier successivement le d\u00e9lai de r\u00e9siliation ordinaire, l\u2019existence \u00e9ventuelle d\u2019un droit de r\u00e9siliation li\u00e9 \u00e0 une adaptation tarifaire, puis la possibilit\u00e9 de n\u00e9gocier un report du d\u00e9lai avec l\u2019assureur<\/p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.27.9″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#FB0346″ header_2_text_color=\u00a0\u00bb#002856″ header_3_text_color=\u00a0\u00bb#FB0346″ header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb min_height=\u00a0\u00bb10px\u00a0\u00bb custom_margin=\u00a0\u00bb2px||2px||true|true\u00a0\u00bb custom_padding=\u00a0\u00bb14px||14px||true|true\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]

    Anticiper plut\u00f4t que subir l’\u00e9ch\u00e9ance<\/h2>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.27.9″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_2_text_color=\u00a0\u00bb#002856″ header_3_text_color=\u00a0\u00bb#002856″ header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb min_height=\u00a0\u00bb80px\u00a0\u00bb custom_margin=\u00a0\u00bb2px||15px||false|true\u00a0\u00bb custom_padding=\u00a0\u00bb11px||20px||false|true\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]

    Une mise en concurrence bien pr\u00e9par\u00e9e permet de prendre une d\u00e9cision sur la base d\u2019\u00e9l\u00e9ments objectifs : couvertures, conditions contractuelles, franchises, services, gestion des sinistres et prix.<\/p>\n

    Vos assurances arrivent prochainement \u00e0 \u00e9ch\u00e9ance ? Le bon moment pour les analyser est g\u00e9n\u00e9ralement avant de recevoir le prochain renouvellement.<\/p>[\/et_pb_text][et_pb_button button_url=\u00a0\u00bbhttps:\/\/berneyassocies.com\/entreprises-et-organisations\/assurances-et-conseils\/\u00a0\u00bb button_text=\u00a0\u00bbD\u00e9couvrir notre expertise en assurances\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.9″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_button=\u00a0\u00bbon\u00a0\u00bb button_text_size=\u00a0\u00bb21px\u00a0\u00bb button_border_width=\u00a0\u00bb2px\u00a0\u00bb button_border_radius=\u00a0\u00bb36px\u00a0\u00bb custom_margin=\u00a0\u00bb8px|||||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_button][\/et_pb_column][et_pb_column type=\u00a0\u00bb2_5″ _builder_version=\u00a0\u00bb4.25.0″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb z_index=\u00a0\u00bb1″ sticky_position=\u00a0\u00bbtop\u00a0\u00bb sticky_offset_top=\u00a0\u00bb150px\u00a0\u00bb sticky_limit_bottom=\u00a0\u00bbrow\u00a0\u00bb sticky_offset_surrounding=\u00a0\u00bboff\u00a0\u00bb sticky_position_tablet=\u00a0\u00bbnone\u00a0\u00bb sticky_position_phone=\u00a0\u00bbnone\u00a0\u00bb sticky_position_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_button button_url=\u00a0\u00bb@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9hdHRhY2htZW50Iiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjI0NTgzOSJ9fQ==@\u00a0\u00bb url_new_window=\u00a0\u00bbon\u00a0\u00bb button_text=\u00a0\u00bbT\u00e9l\u00e9charger la news en version pdf\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.9″ _dynamic_attributes=\u00a0\u00bbbutton_url\u00a0\u00bb _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_button=\u00a0\u00bbon\u00a0\u00bb button_text_size=\u00a0\u00bb14px\u00a0\u00bb button_text_color=\u00a0\u00bb#FB0346″ button_bg_color=\u00a0\u00bbRGBA(255,255,255,0)\u00a0\u00bb button_border_width=\u00a0\u00bb2px\u00a0\u00bb button_border_color=\u00a0\u00bb#FB0346″ button_border_radius=\u00a0\u00bb30px\u00a0\u00bb button_icon=\u00a0\u00bb$||divi||400″ custom_margin_tablet=\u00a0\u00bb2em||||false|false\u00a0\u00bb custom_margin_phone=\u00a0\u00bb2em||||false|false\u00a0\u00bb custom_margin_last_edited=\u00a0\u00bbon|tablet\u00a0\u00bb hover_enabled=\u00a0\u00bb0″ global_colors_info=\u00a0\u00bb{%22gcid-8e43273b-69bc-45d5-a817-07da9f1ce23e%22:%91%22button_text_color__hover%22%93}\u00a0\u00bb button_bg_color__hover_enabled=\u00a0\u00bbon|desktop\u00a0\u00bb button_bg_color__hover=\u00a0\u00bb#FB0346″ button_bg_enable_color__hover=\u00a0\u00bbon\u00a0\u00bb button_text_color__hover_enabled=\u00a0\u00bbon|desktop\u00a0\u00bb button_text_color__hover=\u00a0\u00bb#ffffff\u00a0\u00bb sticky_enabled=\u00a0\u00bb0″][\/et_pb_button][et_pb_text _builder_version=\u00a0\u00bb4.25.1″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_2_text_color=\u00a0\u00bb#002856″ header_2_font_size=\u00a0\u00bb33px\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.2em\u00a0\u00bb custom_margin=\u00a0\u00bb||10px||false|false\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb30px||||false|false\u00a0\u00bb custom_padding_phone=\u00a0\u00bb30px||||false|false\u00a0\u00bb custom_padding_last_edited=\u00a0\u00bbon|tablet\u00a0\u00bb header_2_font_size_tablet=\u00a0\u00bb33px\u00a0\u00bb header_2_font_size_phone=\u00a0\u00bb30px\u00a0\u00bb header_2_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]

    Derni\u00e8res actualit\u00e9s<\/h2>[\/et_pb_text][et_pb_blog posts_number=\u00a0\u00bb3″ include_categories=\u00a0\u00bb19″ show_more=\u00a0\u00bbon\u00a0\u00bb show_author=\u00a0\u00bboff\u00a0\u00bb show_date=\u00a0\u00bboff\u00a0\u00bb show_categories=\u00a0\u00bboff\u00a0\u00bb show_excerpt=\u00a0\u00bboff\u00a0\u00bb show_pagination=\u00a0\u00bboff\u00a0\u00bb module_class=\u00a0\u00bbdt-blog\u00a0\u00bb _builder_version=\u00a0\u00bb4.25.1″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_text_color=\u00a0\u00bb#002856″ header_font_size=\u00a0\u00bb22px\u00a0\u00bb header_line_height=\u00a0\u00bb1.3em\u00a0\u00bb read_more_text_color=\u00a0\u00bb#002856″ custom_margin_tablet=\u00a0\u00bb1rem||||false|false\u00a0\u00bb custom_margin_phone=\u00a0\u00bb1rem||||false|false\u00a0\u00bb custom_margin_last_edited=\u00a0\u00bbon|tablet\u00a0\u00bb header_font_size_tablet=\u00a0\u00bb22px\u00a0\u00bb header_font_size_phone=\u00a0\u00bb20px\u00a0\u00bb header_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_blog][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1″ custom_padding_last_edited=\u00a0\u00bbon|tablet\u00a0\u00bb _builder_version=\u00a0\u00bb4.25.1″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb80%\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\u00a0\u00bb custom_padding=\u00a0\u00bb||0px||false|false\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb1em||||false|false\u00a0\u00bb custom_padding_phone=\u00a0\u00bb1em||||false|false\u00a0\u00bb animation_style=\u00a0\u00bbfade\u00a0\u00bb animation_duration=\u00a0\u00bb1100ms\u00a0\u00bb da_disable_devices=\u00a0\u00bboff|off|off\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb da_is_popup=\u00a0\u00bboff\u00a0\u00bb da_exit_intent=\u00a0\u00bboff\u00a0\u00bb da_has_close=\u00a0\u00bbon\u00a0\u00bb da_alt_close=\u00a0\u00bboff\u00a0\u00bb da_dark_close=\u00a0\u00bboff\u00a0\u00bb da_not_modal=\u00a0\u00bbon\u00a0\u00bb da_is_singular=\u00a0\u00bboff\u00a0\u00bb da_with_loader=\u00a0\u00bboff\u00a0\u00bb da_has_shadow=\u00a0\u00bbon\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.25.1″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb60%\u00a0\u00bb custom_padding=\u00a0\u00bb||0px||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ _builder_version=\u00a0\u00bb4.25.1″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.27.9″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_3_text_color=\u00a0\u00bb#002856″ header_3_font_size=\u00a0\u00bb1.5em\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.5em\u00a0\u00bb custom_margin=\u00a0\u00bb||2vh||false|false\u00a0\u00bb header_3_font_size_tablet=\u00a0\u00bb1.2em\u00a0\u00bb header_3_font_size_phone=\u00a0\u00bb1.2em\u00a0\u00bb header_3_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]

    Berney Associ\u00e9s Assurances et Conseils se tient \u00e0 votre disposition pour r\u00e9pondre \u00e0 toute question. N\u2019h\u00e9sitez pas \u00e0 nous contacter<\/span><\/h3>[\/et_pb_text][et_pb_button button_url=\u00a0\u00bb@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjI4OTc5In19@\u00a0\u00bb button_text=\u00a0\u00bbPrenons contact\u00a0\u00bb button_alignment=\u00a0\u00bbcenter\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.9″ _dynamic_attributes=\u00a0\u00bbbutton_url\u00a0\u00bb _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_button=\u00a0\u00bbon\u00a0\u00bb button_text_size=\u00a0\u00bb18px\u00a0\u00bb button_bg_color=\u00a0\u00bb#FB0346″ button_border_width=\u00a0\u00bb0px\u00a0\u00bb button_border_radius=\u00a0\u00bb50px\u00a0\u00bb button_icon=\u00a0\u00bb$||divi||400″ custom_margin=\u00a0\u00bb||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb button_bg_color__hover_enabled=\u00a0\u00bbon|hover\u00a0\u00bb button_bg_color__hover=\u00a0\u00bb#002856″ button_bg_enable_color__hover=\u00a0\u00bbon\u00a0\u00bb][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]\n","protected":false},"excerpt":{"rendered":"

    Your company\u2019s insurance contracts are coming to an end and the termination period has passed? Many companies think they have to wait another year. However, a premium increase or a negotiated postponement often allow you to act even sooner. Here\u2019s how to check your options and prepare for a competitive bid in good conditions.<\/p>","protected":false},"author":10,"featured_media":245872,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"1390","inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[19],"tags":[294,290,291,292,279,177,293],"actualite-theme":[73],"class_list":["post-245825","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","tag-assurance-dentreprise","tag-assurances","tag-delai","tag-echeance","tag-entreprises","tag-pme","tag-resiliation","actualite-theme-theme_3"],"acf":[],"yoast_head":"\nAssurance entreprise : trop tard pour revoir vos contrats ? - Berney Associ\u00e9s SA<\/title>\n<meta name=\"description\" content=\"D\u00e9lai de r\u00e9siliation, hausse de 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