{"id":5230,"date":"2022-01-17T07:55:13","date_gmt":"2022-01-17T12:55:13","guid":{"rendered":"https:\/\/www.axxima.ca\/?p=5230"},"modified":"2023-08-30T08:14:14","modified_gmt":"2023-08-30T13:14:14","slug":"is-self-insurance-a-good-option","status":"publish","type":"post","link":"https:\/\/www.axxima.ca\/fr\/blog\/is-self-insurance-a-good-option\/","title":{"rendered":"Est-ce que l\u2019auto-assurance est un bon choix pour votre entreprise?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"5230\" class=\"elementor elementor-5230\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b4c92fd she-header-yes elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b4c92fd\" data-element_type=\"section\" data-settings=\"{&quot;transparent&quot;:&quot;yes&quot;,&quot;transparent_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;scroll_distance&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:60,&quot;sizes&quot;:[]},&quot;scroll_distance_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;scroll_distance_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;she_offset_top&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;she_offset_top_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;she_offset_top_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;she_width&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:100,&quot;sizes&quot;:[]},&quot;she_width_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;she_width_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;she_padding&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:0,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:0,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;she_padding_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;she_padding_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true}}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f33250a\" data-id=\"f33250a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8fb7239 elementor-invisible elementor-widget elementor-widget-eael-creative-button\" data-id=\"8fb7239\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"eael-creative-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div class=\"eael-creative-button-wrapper\">\n\n            <a class=\"eael-creative-button eael-creative-button--wayra\" href=\"https:\/\/www.axxima.ca\/fr\/blog\/\" data-text=\"Blog\">\n\n\t    \n                <div class=\"creative-button-inner\">\n\n                                            <span class=\"eael-creative-button-icon-left\"><i aria-hidden=\"true\" class=\"icon icon-left-arrows\"><\/i><\/span>                    \n                    <span class=\"cretive-button-text\">Retour<\/span>\n\n                                    <\/div>\n\t                        <\/a>\n        <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a5ceab0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a5ceab0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0433ba5\" data-id=\"0433ba5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0163194 elementor-widget elementor-widget-spacer\" data-id=\"0163194\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9ca7819 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9ca7819\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a746b48\" data-id=\"a746b48\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-204ee86 elementor-widget elementor-widget-heading\" data-id=\"204ee86\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Est-ce que l\u2019auto-assurance est un bon choix pour votre entreprise?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b4d6d4b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b4d6d4b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-dc9e0e5\" data-id=\"dc9e0e5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a7f20fc elementor-widget elementor-widget-text-editor\" data-id=\"a7f20fc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La gestion et l\u2019att\u00e9nuation des risques par l\u2019entremise d\u2019assurance est une des meilleures strat\u00e9gies, facilement accessible afin de limiter ses pertes. Si vous lisez cet article, vous avez probablement consid\u00e9r\u00e9 le mod\u00e8le d\u2019auto-assurance pour couvrir vos risques.<\/p><p>Toutefois, avant de prendre tout le risque en charge via l\u2019auto-assurance, vous devriez comprendre ce qui la distingue des autres structures d\u2019assurances.<\/p><p>De plus, vous devez bien comprendre les avantages et inconv\u00e9nients d\u2019une structure d\u2019auto-assurance et savoir comment vous pr\u00e9parer pour les meilleurs et pires sc\u00e9narios.\u00a0<\/p><p>Vous trouverez dans cet article de l\u2019information essentielle sur la strat\u00e9gie d\u2019auto-assurance, comment elle se compare aux autres mod\u00e8les, et \u00e0 quelles situations elle est la mieux adapt\u00e9e. Vous apprendrez aussi quels m\u00e9canismes et approches en gestion du risque qu\u2019il faut mettre en place pour que votre mod\u00e8le d\u2019auto-assurance fonctionne correctement.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-987f2d7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"987f2d7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6738ae5\" data-id=\"6738ae5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-30f29b9 elementor-widget elementor-widget-heading\" data-id=\"30f29b9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Qu\u2019est-ce que l\u2019auto-assurance?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e991a18 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e991a18\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-532122e\" data-id=\"532122e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6d6664a elementor-widget elementor-widget-text-editor\" data-id=\"6d6664a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Dans le domaine de la gestion du risque, l\u2019auto-assurance, c\u2019est lorsque l\u2019assur\u00e9 d\u00e9cide de ne pas se procurer une couverture traditionnelle d\u2019assurance. L\u2019assur\u00e9 choisit alors d\u2019absorber et de payer pour couvrir ses pertes \u00e0 m\u00eame ses propres ressources financi\u00e8res. De plus, la couverture recherch\u00e9e n\u2019est parfois pas offerte sur le march\u00e9 traditionnel d\u2019assurances et l\u2019assur\u00e9 doit s\u2019auto-assurer pour couvrir ces risques (pensez aux exclusions dues aux actes de terrorisme ou au risque d\u2019inondation).<\/p><p>Cette <span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.ideagen.com\/thought-leadership\/blog\/what-is-a-risk-management-strategy\">strat\u00e9gie de gestion du risque<\/a><\/span> est appropri\u00e9e pour les individus et les entreprises qui peuvent \u00eatre financi\u00e8rement responsables. Ces individus et entreprises sont aussi g\u00e9n\u00e9ralement plus impliqu\u00e9s dans la pr\u00e9vention des pertes, puisqu\u2019ils doivent couvrir le co\u00fbt total de chacune de ces pertes.<\/p><p><span lang=\"EN-GB\" style=\"color: #0e101a;\">Pour ces individus et entreprises, le mod\u00e8le d\u2019auto-assurance peut \u00eatre rentable \u00e0 long terme, en \u00e9liminant les frais administratifs et les profits d\u2019un assureur commercial.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d10102c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d10102c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4b191f5\" data-id=\"4b191f5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e4518af elementor-widget elementor-widget-heading\" data-id=\"e4518af\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Quels sont les autres mod\u00e8les d\u2019assurance? <\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d45ff08 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d45ff08\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0ec86b7\" data-id=\"0ec86b7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8f0b8ea elementor-widget elementor-widget-heading\" data-id=\"8f0b8ea\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">1.   L\u2019assurance traditionnelle<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-24d3529 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"24d3529\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-71cb812\" data-id=\"71cb812\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-309c5ac elementor-widget elementor-widget-text-editor\" data-id=\"309c5ac\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La pand\u00e9mie de <a href=\"https:\/\/economictimes.indiatimes.com\/wealth\/insure\/life-insurance\/types-of-traditional-insurance-plans-and-who-they-suit\/traditional-or-whole-life-insurance\/slideshow\/83301826.cms\"><span style=\"text-decoration: underline;\">d\u2019assurance traditionnelle<\/span><\/a> est la technique la plus utilis\u00e9e par les individus et les entreprises qui cherchent \u00e0 limiter leurs pertes en transf\u00e9rant le risque.<\/p><p>L\u2019assurance traditionnelle sert principalement \u00e0 g\u00e9rer les risques associ\u00e9s \u00e0 une perte significative. Essentiellement, cette technique de gestion du risque assure une viabilit\u00e9 financi\u00e8re par l\u2019entremise d\u2019une couverture d\u2019assurance en \u00e9change d\u2019une prime.<br><br>\n\nLa prime est normalement stable, mais est sujette \u00e0 des changements en fonction des conditions du march\u00e9 de l\u2019assurance. Bien que le co\u00fbt de cette strat\u00e9gie de gestion des assurances ne soit pas n\u00e9gligeable, les individus et entreprises peuvent avoir la tranquillit\u00e9 d\u2019esprit en sachant qu\u2019ils sont couverts.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-24199d9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"24199d9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e6e6872\" data-id=\"e6e6872\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bcaaf4f elementor-widget elementor-widget-heading\" data-id=\"bcaaf4f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Les diff\u00e9rences entre l\u2019assurance traditionnelle et l\u2019auto-assurance<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bd5c7f5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bd5c7f5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0399044\" data-id=\"0399044\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-86fbca7 elementor-widget elementor-widget-text-editor\" data-id=\"86fbca7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.axxima.ca\/fr\/services\/\"><span style=\"text-decoration: underline;\">L\u2019assurance traditionnelle<\/span><\/a> offre une couverture aux assur\u00e9s lors d\u2019un \u00e9v\u00e9nement assur\u00e9. Pour l\u2019auto-assurance, l\u2019assur\u00e9 devra couvrir ses pertes lui-m\u00eame.<\/p><p>L\u2019inconv\u00e9nient li\u00e9 \u00e0 l\u2019assurance traditionnelle est que les primes peuvent fluctuer \u00e0 travers les ann\u00e9es. Il est donc difficile pour l\u2019entreprise de contr\u00f4ler ses d\u00e9penses. Les entreprises doivent aussi savoir que le mod\u00e8le d\u2019assurance traditionnelle a tendance \u00e0 g\u00e9n\u00e9rer des profits pour l\u2019assureur et ne pousse g\u00e9n\u00e9ralement pas l\u2019entreprise \u00e0 investir dans des strat\u00e9gies de pr\u00e9vention, lesquelles pourraient g\u00e9n\u00e9rer des \u00e9conomies \u00e0 long terme.<\/p><p>Quant \u00e0 elles, les entreprises auto-assur\u00e9es n\u2019ont pas les inconv\u00e9nients d\u2019avoir des primes variables et de payer les autres co\u00fbts reli\u00e9s \u00e0 l\u2019assurance traditionnelle. Toutefois, elles n\u2019ont pas l\u2019avantage d\u2019\u00eatre couvertes par un assureur ayant de grandes ressources financi\u00e8res. Les entreprises qui optent pour l\u2019auto-assurance doivent penser \u00e0 accumuler des fonds d\u2019assurance\/surplus si elles veulent limiter l\u2019effet d\u2019une grande perte sur leurs finances.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9183ac4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9183ac4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-feec0a8\" data-id=\"feec0a8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-515fc73 elementor-widget elementor-widget-heading\" data-id=\"515fc73\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2.   L\u2019assurance hybride<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8c39888 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8c39888\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5ee84da\" data-id=\"5ee84da\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d3e7774 elementor-widget elementor-widget-text-editor\" data-id=\"d3e7774\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le mod\u00e8le d\u2019assurance hybride offre une strat\u00e9gie de gestion du risque qui se situe entre l\u2019auto-assurance et l\u2019assurance traditionnelle. Avec ce mod\u00e8le d\u2019assurance hybride, l\u2019assur\u00e9 peut b\u00e9n\u00e9ficier d\u2019une couverture d\u2019assurance pour certains risques et pour certaines limites, tout en retenant d\u2019autres risques via une franchise ou une auto-assurance.<\/p><p>Cette approche est appropri\u00e9e pour les individus ou entreprises dont les co\u00fbts reli\u00e9s \u00e0 leur r\u00e9tention auto-assur\u00e9e peuvent \u00eatre estim\u00e9s. Pour les \u00e9v\u00e9nements les plus significatifs et volatils, comme une catastrophe naturelle, l\u2019assurance traditionnelle a tendance \u00e0 mieux convenir. Cette approche permet aux entreprises d\u2019avoir plus de contr\u00f4le sur leurs d\u00e9penses et, par le fait m\u00eame, d\u2019am\u00e9liorer leur strat\u00e9gie de gestion du risque.<\/p><p>Il est important de garder \u00e0 l\u2019esprit que cela peut prendre plusieurs ann\u00e9es pour b\u00e2tir un fonds d\u2019assurance qui offre une bonne stabilit\u00e9 financi\u00e8re en fonction de vos risques retenus. N\u00e9anmoins, le mod\u00e8le hybride offre une m\u00e9thode financi\u00e8rement accessible pour les entreprises afin d\u2019obtenir une autonomie financi\u00e8re \u00e0 long terme en s\u2019assurant contre les risques importants. Pour qu\u2019un mod\u00e8le d\u2019assurance hybride fonctionne, vous devez soigneusement \u00e9valuer quels risques vous devez assurer et quels risques vous pouvez absorber.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-112d6c6\" data-id=\"112d6c6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-24441d4 elementor-widget elementor-widget-image\" data-id=\"24441d4\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"380\" height=\"488\" src=\"https:\/\/www.axxima.ca\/wp-content\/uploads\/2022\/01\/090716.png\" class=\"attachment-large size-large wp-image-5276\" alt=\"shield blocking arrows\" srcset=\"https:\/\/www.axxima.ca\/wp-content\/uploads\/2022\/01\/090716.png 380w, https:\/\/www.axxima.ca\/wp-content\/uploads\/2022\/01\/090716-234x300.png 234w, https:\/\/www.axxima.ca\/wp-content\/uploads\/2022\/01\/090716-9x12.png 9w\" sizes=\"(max-width: 380px) 100vw, 380px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8e2b448 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8e2b448\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7c316df\" data-id=\"7c316df\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e775f22 elementor-widget elementor-widget-heading\" data-id=\"e775f22\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Les diff\u00e9rences entre l\u2019assurance hybride et l\u2019auto-assurance<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1480e25 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1480e25\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-10227f3\" data-id=\"10227f3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c6bfa78 elementor-widget elementor-widget-text-editor\" data-id=\"c6bfa78\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L\u2019assurance hybride offre aux entreprises et individus aux prises avec des co\u00fbts variables l\u2019opportunit\u00e9 de limiter leurs pertes gr\u00e2ce \u00e0 l\u2019assurance, tout en retenant une part du risque avec l\u2019auto-assurance.<\/p><p>Elle convient surtout aux entreprises qui ne peuvent pas couvrir toutes leurs pertes ou qui n\u2019ont pas un assez grand fonds d\u2019assurance \u00e0 leur disposition. L\u2019inconv\u00e9nient est que l\u2019entreprise doit payer des primes et que les gestionnaires doivent surveiller les risques de pr\u00e8s et faire des suivis concernant la pr\u00e9vention.<\/p><p>L\u2019auto-assurance ne requiert pas de payer une prime, mais on doit tout de m\u00eame bien surveiller les strat\u00e9gies de gestion du risque. L\u2019inconv\u00e9nient est qu\u2019elle ne peut pas \u00eatre utilis\u00e9e par les entreprises qui ne sont pas en mesure d\u2019absorber les pertes mon\u00e9taires en cas de catastrophe.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-007a70a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"007a70a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-05ada8d\" data-id=\"05ada8d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0a741c1 elementor-widget elementor-widget-heading\" data-id=\"0a741c1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Pourquoi choisir l\u2019auto-assurance?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-29f1849 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"29f1849\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0b266bd\" data-id=\"0b266bd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-80e7474 elementor-widget elementor-widget-text-editor\" data-id=\"80e7474\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Selon les statistiques, <span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.investopedia.com\/terms\/s\/self-insure.asp\">l\u2019auto-assurance<\/a><\/span> gagne en popularit\u00e9, et ce, en raison du fait qu\u2019elle offre beaucoup d\u2019avantages. Voici pourquoi vous devriez choisir l\u2019auto-assurance :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-42bc324 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"42bc324\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e600ec1\" data-id=\"e600ec1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7b409db elementor-widget elementor-widget-heading\" data-id=\"7b409db\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Vous voulez r\u00e9duire les co\u00fbts<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0d8cf18 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0d8cf18\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-75dd2cf\" data-id=\"75dd2cf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9bf115c elementor-widget elementor-widget-text-editor\" data-id=\"9bf115c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"color: #0e101a;\">Si vous cherchez une mani\u00e8re durable d\u2019am\u00e9liorer votre rentabilit\u00e9, vous pouvez r\u00e9duire les co\u00fbts associ\u00e9s \u00e0 vos r\u00e9clamations et \u00e0 vos primes.\u00a0 <\/span><span lang=\"EN-GB\" style=\"color: #0e101a;\">Avec l\u2019auto-assurance, vous \u00e9liminez une partie importante des frais g\u00e9n\u00e9raux pour l\u2019administration d\u2019une police d\u2019assurance, et vous conservez le profit attendu des assureurs. Choisir l\u2019auto-assurance veut aussi dire que vous \u00e9vitez les fluctuations annuelles de primes et les charges r\u00e9siduelles du march\u00e9. <\/span><\/p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"color: #0e101a;\">Toutefois, bien que vous r\u00e9duisez vos co\u00fbts \u00e0 long terme, vous devez aussi accumuler un fonds d\u2019assurance pour couvrir et absorber les risques.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8701543 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8701543\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e8b3142\" data-id=\"e8b3142\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5b5cca6 elementor-widget elementor-widget-heading\" data-id=\"5b5cca6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Vous d\u00e9sirez une plus grande couverture<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a67f6c0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a67f6c0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e9129e6\" data-id=\"e9129e6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fee1738 elementor-widget elementor-widget-text-editor\" data-id=\"fee1738\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L\u2019auto-assurance offre aussi l\u2019avantage d\u2019une pleine couverture. <br><br>\n\n\u00c0 titre d\u2019exemple, vous cherchez peut-\u00eatre un type particulier de couverture qui n\u2019est pas offerte par les assureurs commerciaux. En vous auto-assurant, vous pouvez \u00e9valuer votre risque et l\u2019att\u00e9nuer en \u00e9laborant des strat\u00e9gies pour contr\u00f4ler les pertes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bba567b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bba567b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-15fd576\" data-id=\"15fd576\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-543e0df elementor-widget elementor-widget-heading\" data-id=\"543e0df\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Vous voulez am\u00e9liorer vos strat\u00e9gies de pr\u00e9vention<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cae3401 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cae3401\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1470ca4\" data-id=\"1470ca4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-961de09 elementor-widget elementor-widget-text-editor\" data-id=\"961de09\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L\u2019auto-assurance fournit tous les incitatifs \u00e0 votre entreprise pour am\u00e9liorer la gestion du risque et la pr\u00e9vention des pertes. Puisque vous serez responsable de toutes pertes potentielles, vous comprendrez la n\u00e9cessit\u00e9 (et l\u2019urgence) d\u2019avoir une excellente strat\u00e9gie de gestion du risque. Les outils de pr\u00e9vention deviendront vos alli\u00e9s contre les pertes, et vous gagnerez (ou devriez gagner) une meilleure compr\u00e9hension du risque.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e8e41cb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e8e41cb\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fee9fde\" data-id=\"fee9fde\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-77faecc elementor-widget elementor-widget-heading\" data-id=\"77faecc\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Vous voulez g\u00e9rer vos r\u00e9clamations<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ab81594 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ab81594\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e8a004b\" data-id=\"e8a004b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6a06e85 elementor-widget elementor-widget-text-editor\" data-id=\"6a06e85\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Avec l\u2019auto-assurance, ce sera vous qui payerez vos pertes, c\u2019est-\u00e0-dire que vous aurez le luxe de r\u00e9agir \u00e0 la vitesse d\u00e9sir\u00e9e. Vous n\u2019aurez pas \u00e0 adh\u00e9rer au lourd processus administratif d\u2019une compagnie d\u2019assurance, et serez en mesure de g\u00e9rer vos propres r\u00e9clamations.<\/p><p>Assurez-vous qu\u2019il ne manque jamais d\u2019items (ou documents) importants. Payez vos r\u00e9clamations le plus rapidement possible, mais n\u2019oubliez pas l\u2019importance d\u2019avoir un solide processus de gestion des r\u00e9clamations.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-148a2cf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"148a2cf\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e878b91\" data-id=\"e878b91\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f0d8361 elementor-widget elementor-widget-heading\" data-id=\"f0d8361\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Ce que vous devez consid\u00e9rer avant d\u2019\u00e9tablir une auto-assurance<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0410e4d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0410e4d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c74ff9f\" data-id=\"c74ff9f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5b2fb73 elementor-widget elementor-widget-heading\" data-id=\"5b2fb73\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Vous pouvez tol\u00e9rer la volatilit\u00e9<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-716c24c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"716c24c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c32cdfa\" data-id=\"c32cdfa\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ceabd0f elementor-widget elementor-widget-text-editor\" data-id=\"ceabd0f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L\u2019auto-assurance vient avec une grande volatilit\u00e9 des co\u00fbts d\u2019ann\u00e9e en ann\u00e9e, exposant l\u2019assur\u00e9 aux d\u00e9sastres ou catastrophes.\nPour que votre entreprise maintienne un plan d\u2019auto-assurance durable, vous devriez donc penser \u00e0 accumuler un fonds d\u2019assurance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-adf3d0e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"adf3d0e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2ba7bf9\" data-id=\"2ba7bf9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9647e62 elementor-widget elementor-widget-heading\" data-id=\"9647e62\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Vous pouvez mettre des proc\u00e9dures administratives en place<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-847f4ae elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"847f4ae\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f0a10e6\" data-id=\"f0a10e6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8b9919f elementor-widget elementor-widget-text-editor\" data-id=\"8b9919f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u00catre auto-assur\u00e9 veut dire g\u00e9rer et payer ses r\u00e9clamations. Vous devriez donc avoir des proc\u00e9dures administratives et l\u2019expertise pour g\u00e9rer ces r\u00e9clamations.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e8a2b87 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e8a2b87\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-aaeed9c\" data-id=\"aaeed9c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-67f9224 elementor-widget elementor-widget-heading\" data-id=\"67f9224\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Il y a des professionnels \u00e0 bord<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-20ea44d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"20ea44d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d9b2cb4\" data-id=\"d9b2cb4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ab7804a elementor-widget elementor-widget-text-editor\" data-id=\"ab7804a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Cr\u00e9er un plan d\u2019auto-assurance durable et efficace requiert l\u2019aide de professionnels en gestion des assurances et du risque.<\/p><p>Si vous souhaitez assurer le succ\u00e8s \u00e0 long terme de votre entreprise, assurez-vous de discuter avec des experts en assurances qui peuvent vous aider \u00e0 faire les bons choix. Songez \u00e0 communiquer avec des professionnels comme les experts chez <a href=\"https:\/\/www.axxima.ca\/fr\/meet-principals\/\"><span style=\"text-decoration: underline;\">Axxima<\/span><\/a> pour vous aider \u00e0 naviguer le monde complexe de l\u2019auto-assurance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-caf0db5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"caf0db5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b6d3de9\" data-id=\"b6d3de9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-54e18a5 elementor-widget elementor-widget-heading\" data-id=\"54e18a5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">\u00cates-vous pr\u00eats pour l\u2019auto-assurance?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1b5ecbf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1b5ecbf\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cbf64f5\" data-id=\"cbf64f5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-66da876 elementor-widget elementor-widget-text-editor\" data-id=\"66da876\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Si vous croyez que l\u2019auto-assurance puisse aider votre entreprise, communiquez avec les experts d\u2019Axxima. \n\nNous vous aiderons \u00e0 soigneusement \u00e9valuer les avantages et inconv\u00e9nients et \u00e0 vraiment comprendre si l\u2019auto-assurance est votre meilleur choix.<\/p><p>Si tel est le cas, nous vous aiderons \u00e0 cr\u00e9er des proc\u00e9dures administratives et \u00e0 planifier votre gestion du risque afin que tout se passe le plus ais\u00e9ment possible.<\/p><p><span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.axxima.ca\/fr\/contact-us\/\">Communiquez avec nous aujourd\u2019hui<\/a><\/span> pour d\u00e9buter votre exp\u00e9rience vers la responsabilisation en mati\u00e8re d\u2019assurances.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9273f71 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9273f71\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-07de6d6\" data-id=\"07de6d6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-310b8b4 elementor-widget elementor-widget-spacer\" data-id=\"310b8b4\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Back Is self-insurance a good option for your business? Managing and mitigating risks through insurance is one of the best, most accessible strategies to make sure you\u2019re limiting losses. If you\u2019re reading this article, you\u2019ve probably considered a self-insurance model to cover your risks. However, before fully taking on risk by way of self-insurance, you [&hellip;]<\/p>","protected":false},"author":1,"featured_media":6124,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5230","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"aioseo_notices":[],"jetpack_featured_media_url":"https:\/\/www.axxima.ca\/wp-content\/uploads\/2022\/01\/etica.png","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.axxima.ca\/fr\/wp-json\/wp\/v2\/posts\/5230","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.axxima.ca\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.axxima.ca\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.axxima.ca\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.axxima.ca\/fr\/wp-json\/wp\/v2\/comments?post=5230"}],"version-history":[{"count":0,"href":"https:\/\/www.axxima.ca\/fr\/wp-json\/wp\/v2\/posts\/5230\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.axxima.ca\/fr\/wp-json\/wp\/v2\/media\/6124"}],"wp:attachment":[{"href":"https:\/\/www.axxima.ca\/fr\/wp-json\/wp\/v2\/media?parent=5230"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.axxima.ca\/fr\/wp-json\/wp\/v2\/categories?post=5230"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.axxima.ca\/fr\/wp-json\/wp\/v2\/tags?post=5230"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}