{"id":12892,"date":"2021-10-26T15:16:24","date_gmt":"2021-10-26T20:16:24","guid":{"rendered":"https:\/\/blog.bindy.com\/?p=12892"},"modified":"2024-11-28T14:31:55","modified_gmt":"2024-11-28T19:31:55","slug":"comment-utiliser-les-inspections-de-site-pour-reduire-les-primes-dassurance-commerciale","status":"publish","type":"post","link":"https:\/\/blog.bindy.com\/fr\/how-to-use-site-inspections-to-reduce-commercial-insurance-premiums\/","title":{"rendered":"Comment utiliser les inspections de site pour r\u00e9duire les primes d'assurance commerciale"},"content":{"rendered":"

Une inspection du site assure la s\u00e9curit\u00e9 de votre entreprise, de vos employ\u00e9s et de vos clients en identifiant les dangers et les risques potentiels. Voici quelques conseils sur l'utilisation des inspections de site pour r\u00e9duire les primes d'assurance commerciale.<\/p>\n\n\n\n

Alors qu'une compagnie d'assurance enverra souvent un inspecteur pour inspecter le site lorsque vous assurez une nouvelle propri\u00e9t\u00e9 et une nouvelle entreprise, adopter une approche pr\u00e9ventive peut \u00e9conomiser beaucoup de temps et de ressources. Les compagnies d'assurance n'aiment pas les risques; si vous leur montrez que vous avez att\u00e9nu\u00e9 les risques de mani\u00e8re pr\u00e9ventive, vos primes diminueront probablement. Des risques r\u00e9duits entra\u00eenent des primes r\u00e9duites.<\/p>\n\n\n\n

\"\"<\/a><\/figure>\n\n\n\n

Que devriez-vous rechercher lors d'une inspection commerciale?<\/p>\n\n\n\n

Commen\u00e7ons par la s\u00e9curit\u00e9 incendie<\/h2>\n\n\n\n

Avez-vous install\u00e9 un \u00e9quipement de gicleurs d'incendie? Y a-t-il une cuisine commerciale et des \u00e9quipements sujets aux incendies comme une friteuse\u00a0? Chaque pi\u00e8ce d'\u00e9quipement peut \u00eatre utilis\u00e9e en toute s\u00e9curit\u00e9, le but d'une inspection est de s'assurer et de documenter qu'il l'est.<\/p>\n\n\n\n

Pour plus de d\u00e9tails sur la pr\u00e9vention des incendies, consultez notre Liste de v\u00e9rification de la sant\u00e9 et de la s\u00e9curit\u00e9<\/a>.<\/p>\n\n\n\n

\"Inspections<\/a><\/figure>\n\n\n\n

le b\u00e2timent est-il en bon \u00e9tat ?<\/h2>\n\n\n\n

Un b\u00e2timent en bon \u00e9tat est moins susceptible de pr\u00e9senter un risque, il incombe donc \u00e0 l'exploitant de d\u00e9montrer qu'il a suivi les r\u00e9parations.<\/p>\n\n\n\n

Le toit est-il en bon \u00e9tat, quand a-t-il \u00e9t\u00e9 inspect\u00e9 pour la derni\u00e8re fois\u00a0? Quelle est la charge de neige ? Quels sont les \u00e9tats des syst\u00e8mes CVC, \u00e9lectriques et de plomberie\u00a0? Ces syst\u00e8mes ont-ils \u00e9t\u00e9 entretenus (avez-vous enregistr\u00e9 la date de la derni\u00e8re inspection)\u00a0? Les goutti\u00e8res et les descentes pluviales sont-elles libres d'obstruction afin que l'eau puisse s'\u00e9couler librement\u00a0?<\/p>\n\n\n\n

\"Ext\u00e9rieur<\/a><\/figure>\n\n\n\n

Vos clients sont-ils \u00e0 risque ?<\/h2>\n\n\n\n

Que vous exploitiez un restaurant, un h\u00f4tel ou une clinique, les clients viennent profiter du service que vous offrez. Ils ne viennent pas pour tr\u00e9bucher et tomber. S'ils le font, vous pourriez tr\u00e8s bien \u00eatre reconnu responsable, ce qui augmente votre exposition au risque.<\/p>\n\n\n\n

Y a-t-il des nids-de-poule dans le parking qui pourraient faire tr\u00e9bucher et tomber les clients\u00a0? Les ponts et les mains courantes sont-ils s\u00e9curitaires? Les trottoirs sont-ils exempts de d\u00e9bris, de glace et de neige?<\/p>\n\n\n\n

Pour plus de d\u00e9tails sur l'att\u00e9nuation des risques, consultez notre 9 conseils pour minimiser les blessures et les responsabilit\u00e9s.<\/a><\/p>\n\n\n\n

Pr\u00e9venir les pertes dues au vol<\/h2>\n\n\n\n

Pr\u00e9venir le vol, tant interne qu'externe, est un \u00e9l\u00e9ment important du profil de risque d'une op\u00e9ration commerciale. Il faut l'att\u00e9nuer.<\/p>\n\n\n\n

\"\"<\/a><\/figure>\n\n\n\n

L'\u00e9clairage est-il ad\u00e9quat ? Les portes et les fen\u00eatres sont-elles en bon \u00e9tat ? Des cam\u00e9ras sont-elles install\u00e9es dans les zones cl\u00e9s\u00a0? Les proc\u00e9dures de gestion des esp\u00e8ces sont-elles document\u00e9es et suivies\u00a0?<\/p>\n\n\n\n

Pour plus d'informations, consultez notre Guide complet de pr\u00e9vention des sinistres<\/a> et Liste de v\u00e9rification pour la pr\u00e9vention des pertes<\/a>.<\/p>\n\n\n

\n
\"Inspections<\/a><\/figure>\n<\/div>\n\n\n

Ne vous contentez pas de trouver des probl\u00e8mes, corrigez-les<\/h2>\n\n\n\n

Trouver des probl\u00e8mes ne r\u00e9duira pas \u00e0 lui seul vos risques, mais les r\u00e9soudre le fera. Le plan d'action est l'occasion d'appliquer des actions correctives aux zones probl\u00e9matiques<\/a>Il d\u00e9signe une personne charg\u00e9e de corriger chaque probl\u00e8me d\u00e9tect\u00e9 et une date cible pour la r\u00e9solution. Ce faisant, le plan d'action favorise l'appropriation et la responsabilisation. <\/p>\n\n\n\n

\"\"<\/a><\/figure>\n\n\n\n

Ne laissez pas les probl\u00e8mes persister. Montrez \u00e0 votre compagnie d\u2019assurance que vous \u00eates au top des choses. Une culture du \u00ab\u00a0r\u00e9parer le probl\u00e8me\u00a0\u00bb r\u00e9duit vos risques et peut r\u00e9duire vos primes d\u2019assurance.<\/p>\n\n\n\n

\"\"<\/a><\/figure>\n\n\n\n

Prenez (beaucoup) de photos !<\/h2>\n\n\n\n

N'oubliez pas de prendre des photos lors de l'inspection. Une image vaut mille mots et peut fournir la preuve photographique que les normes sont respect\u00e9es. Joignez les photos \u00e0 l\u2019inspection en tant que dossier permanent. <\/p>\n\n\n\n

Les photos sont rapides et bien align\u00e9es avec l'objectif de d\u00e9montrer la conformit\u00e9 aux normes de la marque et aux exigences de la politique d'assurance.<\/p>\n\n\n\n

les inspections sont essentielles pour r\u00e9duire les primes d'assurance commerciale<\/h2>\n\n\n\n

Les inspections pr\u00e9ventives r\u00e9duisent vos risques pour les b\u00e2timents, les clients et la continuit\u00e9 des activit\u00e9s. Pour cette raison, ils r\u00e9duisent \u00e9galement les primes d'assurance. Que vous souhaitiez r\u00e9duire les risques ou r\u00e9duire les co\u00fbts d'exploitation, les inspections pr\u00e9ventives sont une excellente id\u00e9e qui se d\u00e9ploie rapidement et permet d'\u00e9conomiser plus qu'elles ne co\u00fbtent. <\/p>","protected":false},"excerpt":{"rendered":"

Une inspection du site assure la s\u00e9curit\u00e9 de votre entreprise, de vos employ\u00e9s et de vos clients en identifiant les dangers et les risques potentiels. Voici quelques conseils sur l'utilisation des inspections de site pour r\u00e9duire les primes d'assurance commerciale. Alors qu'une compagnie d'assurance enverra souvent un inspecteur pour inspecter le site lorsque vous assurez une nouvelle propri\u00e9t\u00e9 et une nouvelle entreprise, adopter une approche pr\u00e9ventive peut\u2026 Lire la suite Comment utiliser les inspections de site pour r\u00e9duire les primes d'assurance commerciale<\/span> \u2192<\/span><\/a><\/p>","protected":false},"author":6370623,"featured_media":12903,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_crdt_document":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[319730,677174005,677174188,1043654],"tags":[677174186,33371,677174187],"class_list":["post-12892","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-qsr","category-how-to","category-hotel-3","category-loss-prevention","tag-commercial-insurance","tag-health-and-safety","tag-hospitality-insurance"],"yoast_head":"\nHow to Use Site Inspections to Reduce Commercial Insurance Premiums<\/title>\n<meta name=\"description\" content=\"Stores with higher risk have increased insurance costs, are your stores at risk? 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