{"id":6167,"date":"2023-02-09T09:07:52","date_gmt":"2023-02-09T14:07:52","guid":{"rendered":"https:\/\/test.axxima.ca\/?p=6082"},"modified":"2023-07-28T14:50:56","modified_gmt":"2023-07-28T19:50:56","slug":"treaty-reinsurance-what-it-is-and-how-it-works","status":"publish","type":"post","link":"https:\/\/www.axxima.ca\/fr\/blog\/treaty-reinsurance-what-it-is-and-how-it-works\/","title":{"rendered":"R\u00e9assurance par trait\u00e9 : Qu\u2019est-ce que c\u2019est et comment cela fonctionne?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"6167\" class=\"elementor elementor-6167\">\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\">R\u00e9assurance par trait\u00e9 : Qu\u2019est-ce que c\u2019est et comment cela fonctionne?<\/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>Il peut arriver qu'une compagnie d'assurance ne dispose pas de fonds suffisant pour garantir toutes les polices qu'elle souhaite souscrire. Ou bien, une compagnie d'assurance peut souhaiter acheter de la r\u00e9assurance pour minimiser son risque sur certains risques ou certains portefeuilles d'affaires.<\/p><p>Dans ces situations, une compagnie d'assurance peut envisager de souscrire \u00e0 de la r\u00e9assurance. La r\u00e9assurance consiste \u00e0 transf\u00e9rer certaines portions du risque de la compagnie d\u2019assurance \u00e0 d\u2019autres parties (r\u00e9assureurs) \u00e0 travers un accord ou un contrat.<\/p><p class=\"translation-block\">Il existe diff\u00e9rentes formes de r\u00e9assurance, mais l'une des plus courantes est la <strong>r\u00e9assurance <\/strong>par trait\u00e9 aussi connu sous le nom de <strong>r\u00e9assurance conventionnelle<\/strong>.<\/p><p>Cet article pr\u00e9sente en d\u00e9tail la nature de la r\u00e9assurance par trait\u00e9. Nous expliquerons ce qu\u2019est la r\u00e9assurance par trait\u00e9 et son fonctionnement, et nous \u00e9num\u00e9rerons \u00e9galement certains \u00e9l\u00e9ments qu\u2019une compagnie d\u2019assurance doit consid\u00e9rer lors de son achat.<\/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-5b059bf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5b059bf\" 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-4ca7870\" data-id=\"4ca7870\" 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-ba5ecf5 elementor-widget elementor-widget-heading\" data-id=\"ba5ecf5\" 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 la r\u00e9assurance par trait\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-9c0c6de elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9c0c6de\" 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-2d232cf\" data-id=\"2d232cf\" 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-96d9a44 elementor-widget elementor-widget-text-editor\" data-id=\"96d9a44\" 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><strong>La r\u00e9assurance par trait\u00e9<\/strong> \u00e9signe un accord entre une compagnie d'assurance (<em>la \u201c<strong>c\u00e9dante\"<\/strong><\/em>) et un <strong><em>(le r\u00e9assureur) <\/em><\/strong>ou un groupe de r\u00e9assureurs (le \"<strong><em>c\u00e9dant<\/em><\/strong><em>\")<\/em>. En vertu de cet accord, le c\u00e9dant accepte les risques d'un portefeuille de polices souscrites par la soci\u00e9t\u00e9 c\u00e9dante. Ces risques sont g\u00e9n\u00e9ralement document\u00e9s dans un contrat de r\u00e9assurance, en \u00e9change du paiement d'une prime.<\/p><p>La r\u00e9assurance transf\u00e8re une partie des engagements de la c\u00e9dante au c\u00e9dant. La compagnie d\u2019assurance se prot\u00e8ge donc en s\u2019assurant que les risques souscrits dans le trait\u00e9 de r\u00e9assurance seront r\u00e9assur\u00e9s par le c\u00e9dant. Ainsi, une fois qu'une compagnie d'assurance a conclu un accord de r\u00e9assurance par trait\u00e9 avec un r\u00e9assureur, elle peut lib\u00e9rer du capital pour l\u2019allouer ailleurs, par exemple, \u00e0 la souscription de nouvelles polices ou \u00e0 l'expansion sur un nouveau march\u00e9.<\/p><p>La r\u00e9assurance par trait\u00e9 est parfois appel\u00e9e <strong>trait\u00e9 facultatif obligatoire<\/strong> , car les r\u00e9assureurs ne souscrivent pas eux-m\u00eames chaque police individuelle, mais tous les risques tels que d\u00e9finis par les param\u00e8tres de leur contrat avec la compagnie d'assurance.<\/p><p>Les contrats de r\u00e9assurance par trait\u00e9 sont g\u00e9n\u00e9ralement des relations \u00e0 long terme. Cela s'explique par le fait que, contrairement \u00e0 la r\u00e9assurance facultative, le r\u00e9assureur a accept\u00e9 d\u2019endosser les risques pour un ensemble de polices et non pas simplement un risque sp\u00e9cifique.<\/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-9dfcf7b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9dfcf7b\" 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-6d67915\" data-id=\"6d67915\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\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-f16fa20 elementor-widget elementor-widget-text-editor\" data-id=\"f16fa20\" 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><strong>Exemple pratique : Superstorm Sandy, \u00c9tats-Unis<\/strong><\/p><p>En 2012, la Superstorm Sandy (un cyclone post-tropical) a caus\u00e9 d'\u00e9normes d\u00e9g\u00e2ts dans plus de 20 \u00c9tats am\u00e9ricains. Des dizaines de milliers de demandes d'indemnisation ont \u00e9t\u00e9 pr\u00e9sent\u00e9es, le montant total r\u00e9clam\u00e9 d\u00e9passant les 20 milliards de dollars am\u00e9ricains.<\/p><p>De nombreuses compagnies d'assurance qui ont r\u00e9pondu \u00e0 ces demandes ont pu le faire gr\u00e2ce \u00e0 la r\u00e9assurance. Swiss Re, une soci\u00e9t\u00e9 de r\u00e9assurance bas\u00e9e \u00e0 Zurich, a d\u00e9clar\u00e9 que la temp\u00eate Sandy lui co\u00fbterait environ 900 millions de dollars am\u00e9ricains. Arch Capital Group, bas\u00e9 aux Bermudes, a \u00e9galement d\u00e9clar\u00e9 que 60 % de ses pertes dues \u00e0 la temp\u00eate Sandy provenaient de ses op\u00e9rations de r\u00e9assurance.<\/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-df73ba6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"df73ba6\" 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-c4d49fb\" data-id=\"c4d49fb\" 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-f11ec5d elementor-widget elementor-widget-heading\" data-id=\"f11ec5d\" 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\">Types de r\u00e9assurance par trait\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-f6496bb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f6496bb\" 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-2cdd492\" data-id=\"2cdd492\" 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-789c600 elementor-widget elementor-widget-text-editor\" data-id=\"789c600\" 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>Il existe deux types de contrats de r\u00e9assurance par trait\u00e9 qui sont normalement disponibles. Il s'agit des <strong>contrats proportionnels<\/strong> et <strong>non proportionnels<\/strong>.<\/p><ul><li><strong>Les contrats proportionnels<\/strong> (\u00e9galement appel\u00e9s <strong>contrats au prorata<\/strong>) pr\u00e9voient qu'un r\u00e9assureur accepte de prendre une part des polices d'assurance et de payer un pourcentage sp\u00e9cifique advenant le paiement d\u2019un sinistre. En contrepartie, la compagnie de r\u00e9assurance re\u00e7oit la proportion correspondante des primes. Par exemple, un r\u00e9assureur peut accepter d\u2019assumer le risque de 20 % des polices d'assurance des administrateurs et dirigeants (A&amp;D) d'une compagnie d'assurance, ce qui signifie qu'il paiera alors 20 % de tous les sinistres sur ces polices. En contrepartie, 20 % des primes de ces polices seront c\u00e9d\u00e9es au r\u00e9assureur.<\/li><\/ul><ul><li><strong>Les contrats non proportionnels, <\/strong>en revanche, pr\u00e9voient qu'une compagnie de r\u00e9assurance accepte de payer les sinistres en exc\u00e9dant d\u2019un certain montant pendant une p\u00e9riode donn\u00e9e<strong>. <\/strong>Par exemple, un r\u00e9assureur peut accepter de payer 40 % des sinistres sur la police de cyberassurance d'un assureur si les sinistres d\u00e9passent 200 000 dollars au cours des trois premi\u00e8res ann\u00e9es.<\/li><\/ul>\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-ca76df4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ca76df4\" 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-a365f5d\" data-id=\"a365f5d\" 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-f620db3 elementor-widget elementor-widget-heading\" data-id=\"f620db3\" 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\">Avantages de la r\u00e9assurance par trait\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-483b352 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"483b352\" 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-1f06e45\" data-id=\"1f06e45\" 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-53222c0 elementor-widget elementor-widget-text-editor\" data-id=\"53222c0\" 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\tIl existe un certain nombre d'avantages strat\u00e9giques pour une compagnie d'assurance qui cherche \u00e0 acheter de la r\u00e9assurance.\n<ul><br>\n \t<li><strong>Possibilit\u00e9 de croissance <\/strong>\u2013 la r\u00e9assurance permet aux compagnies d'assurance de d\u00e9velopper leurs activit\u00e9s en \u00e9largissant leur portefeuille d'affaires et en proposant un plus grand nombre de polices d'assurance \u00e0 leurs clients.<\/li><br>\n \t<li><strong>Une plus grande stabilit\u00e9<\/strong> \u2013 la r\u00e9assurance permet \u00e0 une compagnie d'assurance de limiter la volatilit\u00e9 de ses sinistres par rapport aux polices qu'elle a souscrites. Cela est particuli\u00e8rement vrai en cas d'\u00e9v\u00e9nement majeur.<\/li><br>\n \t<li><strong>Contr\u00f4le de la souscription <\/strong>\u2013 contrairement \u00e0 la r\u00e9assurance facultative, la r\u00e9assurance par trait\u00e9 permet \u00e0 la soci\u00e9t\u00e9 c\u00e9dante de conserver un plus grand contr\u00f4le sur la souscription de sa police.<\/li><br>\n \t<li><strong>Moins cher que d'autres formes de r\u00e9assurance <\/strong>\u2013 la r\u00e9assurance par trait\u00e9 est g\u00e9n\u00e9ralement plus abordable que d'autres formes de r\u00e9assurance, comme la r\u00e9assurance facultative.<\/li><br>\n \t<li><strong>Relation \u00e0 long terme <\/strong>\u2013 ce type de r\u00e9assurance permet \u00e0 une compagnie d'assurance de d\u00e9velopper une relation \u00e0 long terme avec une compagnie de r\u00e9assurance, qui apprendra sur ses activit\u00e9s et ses offres de produits. Elle sera donc dans une position id\u00e9ale pour l'aider \u00e0 trouver des solutions \u00e0 ses d\u00e9fis futurs.<\/li>\n<\/ul>\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-6dae77d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6dae77d\" 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-f96ad4c\" data-id=\"f96ad4c\" 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-76c071c elementor-widget elementor-widget-heading\" data-id=\"76c071c\" 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\">R\u00e9assurance par trait\u00e9 versus r\u00e9assurance facultative<\/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-1b0b558 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1b0b558\" 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-a3fddb1\" data-id=\"a3fddb1\" 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-cbdcd4e elementor-widget elementor-widget-text-editor\" data-id=\"cbdcd4e\" 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>Alors que la r\u00e9assurance par trait\u00e9 ne n\u00e9cessite que la conclusion d'un seul contrat pour couvrir une cat\u00e9gorie de risques, la r\u00e9assurance facultative est plus distinctive \u00e9tant donn\u00e9 que la compagnie d'assurance ach\u00e8te de la r\u00e9assurance que pour certains risques particuliers. Les accords de r\u00e9assurance facultative sont n\u00e9goci\u00e9s s\u00e9par\u00e9ment et peuvent impliquer plusieurs contrats diff\u00e9rents, de sorte que les frais engag\u00e9s sont g\u00e9n\u00e9ralement plus \u00e9lev\u00e9s.<\/p><p>Vous pouvez en lire plus sur <a href=\"https:\/\/www.axxima.ca\/fr\/blog\/facultative-vs-treaty-reinsurance-demystified\/\"><span style=\"text-decoration: underline;\">les diff\u00e9rences entre la r\u00e9assurance par trait\u00e9 et la r\u00e9assurance facultative ici<\/span><\/a>.<\/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-c747061 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c747061\" 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-5b97fdf\" data-id=\"5b97fdf\" 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-9bc6560 elementor-widget elementor-widget-heading\" data-id=\"9bc6560\" 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 vous demandez si la r\u00e9assurance par trait\u00e9 vous convient?<\/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-a1d960a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a1d960a\" 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-e86c2ba\" data-id=\"e86c2ba\" 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-0039549 elementor-widget elementor-widget-text-editor\" data-id=\"0039549\" 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>Il y a plusieurs consid\u00e9rations \u00e0 prendre en compte lorsqu'on cherche \u00e0 conclure un accord de r\u00e9assurance.<\/p><p>Si votre compagnie d'assurance cherche \u00e0 accro\u00eetre son capital ou \u00e0 minimiser son risque sur les polices existantes, la r\u00e9assurance par trait\u00e9 peut \u00eatre une option rentable pour vous.<\/p><p>Avant de prendre cette d\u00e9cision, il est important que vous discutiez de vos options avec un <span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.axxima.ca\/fr\/services\/\">courtier d'assurance exp\u00e9riment\u00e9<\/a><\/span> afin de d\u00e9terminer comment la r\u00e9assurance peut contribuer \u00e0 soutenir les op\u00e9rations de votre compagnie d'assurance.<\/p><p>Axxima se sp\u00e9cialise dans l'\u00e9laboration d'options de r\u00e9assurance sur mesure qui vous aident \u00e0 atteindre vos objectifs organisationnels. Gr\u00e2ce \u00e0 notre expertise du march\u00e9 de la r\u00e9assurance, nous aidons nos clients \u00e0 g\u00e9rer leur exposition aux risques, pour finalement choisir la meilleure option de r\u00e9assurance afin de les aider \u00e0 minimiser leurs pertes et \u00e0 d\u00e9velopper leurs activit\u00e9s d\u2019affaires.<\/p><p><a href=\"https:\/\/www.axxima.ca\/fr\/contact-us\/\"><span style=\"text-decoration: underline;\">Contactez notre \u00e9quipe<\/span><\/a> pour discuter de vos options de r\u00e9assurance.<\/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>Learn everything you need to know about treaty reinsurance, including how it works, who uses it and whether it\u2019s right for your organization or business.<\/p>","protected":false},"author":1,"featured_media":6168,"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 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