{"id":6830,"date":"2024-04-23T08:11:24","date_gmt":"2024-04-23T13:11:24","guid":{"rendered":"https:\/\/www.axxima.ca\/?p=6830"},"modified":"2024-04-23T08:11:24","modified_gmt":"2024-04-23T13:11:24","slug":"catastrophic-risk-exclusions-in-cyber-insurance","status":"publish","type":"post","link":"https:\/\/www.axxima.ca\/fr\/blog\/catastrophic-risk-exclusions-in-cyber-insurance\/","title":{"rendered":"Exclusions des risques catastrophiques dans les polices de cyberassurance"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"6830\" class=\"elementor elementor-6830\">\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\">Exclusions des risques catastrophiques dans les polices de cyberassurance<\/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>Les cybermenaces posent des risques consid\u00e9rables pour les entreprises de toutes tailles, des fuites de donn\u00e9es et violations de s\u00e9curit\u00e9 aux attaques par ran\u00e7ongiciel.  Des mesures de cybers\u00e9curit\u00e9 robustes peuvent aider \u00e0 contrer ces menaces, mais ultimement, aucune organisation n'est \u00e0 l\u2019abris des cyberincidents, m\u00eame avec la mise en place de solides d\u00e9fenses.<\/p><p>C'est l\u00e0 que <a href=\"https:\/\/www.axxima.ca\/fr\/blog\/cyber-insurance-what-it-is-and-why-you-need-it\/\">la cyberassurance joue un r\u00f4le crucial<\/a>, offrant une protection financi\u00e8re contre les pertes potentielles r\u00e9sultant des cyberattaques.  L'assurance peut fournir un filet de s\u00e9curit\u00e9 contre les cyberrisques, et il est crucial de comprendre les exclusions dans votre police d\u2019assurance qui peuvent limiter la couverture.<\/p><p>Un type d'exclusion qui devient standard avec la cyberassurance est <strong>l'exclusion des risques catastrophiques<\/strong> en raison des <a href=\"https:\/\/www.axxima.ca\/fr\/blog\/cyber-insurance-for-municipalities-what-you-need-to-know\/\">cyberincidents g\u00e9n\u00e9ralis\u00e9s notables contre les gouvernements<\/a> et les entreprises ces derni\u00e8res ann\u00e9es, comme l'attaque NotPetya de 2017.<\/p><p>Cette cyberattaque sans pr\u00e9c\u00e9dent a affect\u00e9 de nombreuses organisations dans le monde entier, entra\u00eenant des pertes financi\u00e8res substantielles. Nous expliquerons ci-dessous en d\u00e9tail le concept d'exclusions des risques catastrophiques.<\/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-6680384 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6680384\" 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-7eadd28\" data-id=\"7eadd28\" 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-f2ae4dd elementor-widget elementor-widget-heading\" data-id=\"f2ae4dd\" 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'est-ce que l\u2019exclusion des risques catastrophiques dans une police d'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-b3c5eb7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b3c5eb7\" 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-80065b9\" data-id=\"80065b9\" 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-69a8e0b elementor-widget elementor-widget-text-editor\" data-id=\"69a8e0b\" 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\u2019exclusion des risques catastrophiques g\u00e9n\u00e9ralement incluse dans les polices d'assurance ont pour effet de limiter l'exposition de l'assureur \u00e0 un \u00e9v\u00e9nement unique pouvant entra\u00eener des pertes extr\u00eamement \u00e9lev\u00e9es et g\u00e9n\u00e9ralis\u00e9es \u00e0 travers un large groupe ou une zone. Les pertes r\u00e9sultant de la d\u00e9faillance ou de l'indisponibilit\u00e9 des infrastructures nationales critiques telles que l'\u00e9lectricit\u00e9, le gaz, l'eau, les satellites ou les t\u00e9l\u00e9communications sont souvent exclues des polices d'assurance.<\/p><p>Ces \u00e9v\u00e9nements sont g\u00e9n\u00e9ralement consid\u00e9r\u00e9s comme \u00e9tant d'une telle ampleur ou magnitude qu'ils pourraient avoir un impact significatif sur une large zone g\u00e9ographique ou causer des pertes financi\u00e8res importantes. Souvent, cela d\u00e9passe ce qu'un assureur priv\u00e9 est capable d'assurer seul et n\u00e9cessite l'intervention du gouvernement pour g\u00e9rer ces risques. Des exemples de risques catastrophiques souvent exclus de la couverture d'assurance sont les suivants:<\/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-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\">Guerre et terrorisme<\/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>Les dommages ou les pertes r\u00e9sultant d'actes de guerre, de terrorisme ou de troubles civils peuvent \u00eatre exclus de la couverture, surtout dans les zones sujettes \u00e0 de tels \u00e9v\u00e9nements.<\/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-73d20e0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"73d20e0\" 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-f542f3f\" data-id=\"f542f3f\" 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-aad24a5 elementor-widget elementor-widget-heading\" data-id=\"aad24a5\" 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\">Incidents nucl\u00e9aires<\/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-6411618 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6411618\" 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-8335d37\" data-id=\"8335d37\" 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-f039202 elementor-widget elementor-widget-text-editor\" data-id=\"f039202\" 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>Les polices d'assurance excluent souvent la couverture des dommages caus\u00e9s par des accidents nucl\u00e9aires, des radiations ou des \u00e9v\u00e9nements connexes.<\/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-ae90ff5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ae90ff5\" 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-b66c3bf\" data-id=\"b66c3bf\" 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-303c125 elementor-widget elementor-widget-heading\" data-id=\"303c125\" 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\">Catastrophes naturelles<\/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-b121ebe elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b121ebe\" 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-5b0ed16\" data-id=\"5b0ed16\" 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-adc0b48 elementor-widget elementor-widget-text-editor\" data-id=\"adc0b48\" 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>Certaines catastrophes naturelles telles que les tremblements de terre, les tsunamis, les ouragans et les inondations peuvent \u00eatre exclues de la couverture, en particulier dans les zones \u00e0 haut 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-d070e18 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d070e18\" 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-6feffbb\" data-id=\"6feffbb\" 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-d1845ed elementor-widget elementor-widget-heading\" data-id=\"d1845ed\" 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\">Pand\u00e9mies<\/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-a6ac6be elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a6ac6be\" 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-5431dfe\" data-id=\"5431dfe\" 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-72cb990 elementor-widget elementor-widget-text-editor\" data-id=\"72cb990\" 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>Les \u00e9v\u00e9nements tels que des pand\u00e9mies ou des crises sanitaires g\u00e9n\u00e9ralis\u00e9es peuvent \u00eatre exclus de la couverture, en particulier dans certains types de polices d'assurance comme l'assurance contre les interruptions d'activit\u00e9.<\/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\">Comment l\u2019exclusion des risques catastrophiques s'applique en cyberassurance?<\/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>Les exclusions catastrophiques traditionnelles reli\u00e9es \u00e0 la guerre et au terrorisme \u00e9taient principalement con\u00e7ues pour traiter des actes physiques tels que les bombardements ou les conflits arm\u00e9s.<\/p><p>Cependant, les cybermenaces op\u00e8rent dans un milieu tr\u00e8s diff\u00e9rent, o\u00f9 les attaques peuvent \u00eatre men\u00e9es \u00e0 distance et de mani\u00e8re anonyme. Ces nouvelles menaces soul\u00e8vent des questions sur l'applicabilit\u00e9 des clauses d'exclusion traditionnelles aux cyberincidents.<\/p><p>De plus, contrairement aux \u00e9v\u00e9nements catastrophiques traditionnels, l'attribution des cyberattaques \u00e0 des acteurs ou des entit\u00e9s sp\u00e9cifiques peut \u00eatre tr\u00e8s complexe. Les attaquants peuvent utiliser des techniques sophistiqu\u00e9es pour masquer leur identit\u00e9, ce qui rend difficile d'\u00e9tablir la culpabilit\u00e9 et d'\u00e9valuer si les clauses d'exclusion li\u00e9es aux actions parrain\u00e9es par certains \u00e9tats sont applicables.<\/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-3b9753d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3b9753d\" 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-55944f3\" data-id=\"55944f3\" 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-8586d3d elementor-widget elementor-widget-heading\" data-id=\"8586d3d\" 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\">Cyberrisques catastrophiques : une d\u00e9finition ambigu\u00eb<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f1a1dd elementor-widget elementor-widget-text-editor\" data-id=\"6f1a1dd\" 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 n'existe pas de d\u00e9finition formelle d'un \"cyberrisque catastrophique\".<\/p><p>Les d\u00e9finitions des cyberrisques catastrophiques peuvent refl\u00e9ter celles du monde physique, o\u00f9 elles impliquent souvent des \u00e9v\u00e9nements uniques causant des pertes importantes ou affectant plusieurs assureurs. L'impact \u00e9conomique, les effets de r\u00e9seau et la s\u00e9v\u00e9rit\u00e9 sont des mesures cl\u00e9s consid\u00e9r\u00e9es dans la d\u00e9finition des cyberrisques catastrophiques.<\/p><ul><li><em>L'impact \u00e9conomique<\/em> inclut les pertes li\u00e9es \u00e0 l'indisponibilit\u00e9 du r\u00e9seau ou des donn\u00e9es, aux co\u00fbts de renforcement de la main-d'\u0153uvre, \u00e0 l\u2019atteinte \u00e0 la r\u00e9putation et aux perturbations de l'offre et de la demande.<\/li><li><em>Les effets de r\u00e9seau<\/em> d\u00e9coulent des syst\u00e8mes interconnect\u00e9s et peuvent entra\u00eener des impacts \u00e9conomiques non lin\u00e9aires.<\/li><li><em>La s\u00e9v\u00e9rit\u00e9<\/em> fait r\u00e9f\u00e9rence \u00e0 la gravit\u00e9 d'un incident et \u00e0 son impact sur les entit\u00e9s.<\/li><\/ul><p>Les attaques \u00e0 grande \u00e9chelle contre des \u00e9l\u00e9ments cl\u00e9s de l'infrastructure (par exemple les r\u00e9seaux \u00e9nerg\u00e9tiques) ou les principaux fournisseurs de \u00ab cloud \u00bb seront g\u00e9n\u00e9ralement consid\u00e9r\u00e9es comme des \u00e9v\u00e9nements catastrophiques.<\/p><p>Ces types d'\u00e9v\u00e9nements sont-ils exclus de votre couverture ? Il n'y a pas de r\u00e9ponse claire, car cela d\u00e9pendra des circonstances et de la formulation particuli\u00e8re de la police. Une <a href=\"https:\/\/www.casact.org\/sites\/default\/files\/2023-02\/catastrophic_cyber_risk_expert_panel_report_.pdf\">discussion de panel d'experts men\u00e9e en 2023<\/a> par la Casualty Actuarial Society et l'Institut de recherche de la Society of Actuaries a explor\u00e9 ces concepts en d\u00e9tail.<\/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-116da69 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"116da69\" 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-6e95985\" data-id=\"6e95985\" 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-5f62d24 elementor-widget elementor-widget-heading\" data-id=\"5f62d24\" 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\">Exclusions et cyberguerres<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-336b060 elementor-widget elementor-widget-text-editor\" data-id=\"336b060\" 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>De nombreux cyberincidents se sont produits pendant des actes de guerre. Depuis des si\u00e8cles, l'assurance a incorpor\u00e9 des exclusions pour les risques li\u00e9s \u00e0 la guerre.<\/p><p>En fait, l'exclusion de \"toute guerre\" a \u00e9t\u00e9 une condition pr\u00e9alable de longue date pour les polices d'assurance couvertes sous Lloyd's de Londres. Avant la fin du XXe si\u00e8cle, l'exclusion des p\u00e9rils de guerre \u00e9tait relativement simple. Un exemple principal de telles exclusions \u00e9tait le NMA 464, qui est rest\u00e9 inchang\u00e9 dans sa formulation depuis avant la Seconde Guerre mondiale et a \u00e9t\u00e9 largement adopt\u00e9. L'exclusion de guerre \u00e9tait encadr\u00e9e autour de l'acte physique d'une guerre d\u00e9clar\u00e9e.<\/p><p>En 2014, la cyberguerre a attir\u00e9 l'attention du public lorsque la Russie aurait sponsoris\u00e9 une s\u00e9rie de cyberattaques contre des organisations ukrainiennes, y compris l'attaque NotPetya en 2017. NotPetya, un logiciel malveillant de type \u00ab wiper \u00bb  (qui d\u00e9truit les donn\u00e9es), exploitant les vuln\u00e9rabilit\u00e9s du syst\u00e8me d'exploitation Microsoft, s'est rapidement propag\u00e9e, causant des dommages consid\u00e9rables dans divers secteurs, y compris chez <strong>Merck<\/strong>, un g\u00e9ant pharmaceutique.<\/p><p>La demande d'indemnisation de Merck sous une police \"tous risques\" a \u00e9t\u00e9 initialement refus\u00e9e en raison d'une clause d'exclusion de guerre. Cependant, un tribunal du New Jersey aux \u00c9tats-Unis a statu\u00e9 en d\u00e9but 2022 que <a href=\"https:\/\/www.policyholderperspective.com\/2022\/02\/articles\/insurance-coverage\/lessons-from-merck-v-ace-a-cyberattack-does-not-amount-to-an-act-of-war\/\">les assureurs doivent exclure explicitement les cyberop\u00e9rations parrain\u00e9es par l'\u00c9tat pour refuser la couverture<\/a>, incitant les assureurs \u00e0 \u00e9laborer des exclusions de guerre sp\u00e9cifiques \u00e0 la cyberassurance pour des pertes catastrophiques.<\/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-4e30044 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4e30044\" 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-48e47e9\" data-id=\"48e47e9\" 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-2e6d865 elementor-widget elementor-widget-heading\" data-id=\"2e6d865\" 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\">Clauses d'exclusion de cyberguerre \u00e0 partir d'ao\u00fbt 2022 <\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-905fede elementor-widget elementor-widget-text-editor\" data-id=\"905fede\" 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>En ao\u00fbt 2022, le <a href=\"https:\/\/assets.lloyds.com\/media\/35926dc8-c885-497b-aed8-6d2f87c1415d\/Y5381%20Market%20Bulletin%20-%20Cyber-attack%20exclusions.pdf\">\u00ab Lloyd\u2019s Market Association \u00bb (LMA) a publi\u00e9 le Bulletin <\/a><a href=\"https:\/\/assets.lloyds.com\/media\/35926dc8-c885-497b-aed8-6d2f87c1415d\/Y5381%20Market%20Bulletin%20-%20Cyber-attack%20exclusions.pdf\"><strong>du march\u00e9 Y5381<\/strong><\/a>, exigeant que toutes les polices cyber autonomes <strong>\u00e0 partir du 31 mars 2023<\/strong> r\u00e9dig\u00e9es par Lloyd\u2019s int\u00e8grent une clause appropri\u00e9e excluant la responsabilit\u00e9 des pertes d\u00e9coulant des cyberattaques parrain\u00e9es par l'\u00c9tat.<\/p><p>Le bulletin se lit comme suit (traduction libre):<\/p><p><em>Au minimum, l'exclusion des cyberattaques soutenues par l'\u00c9tat doit:<\/em><\/p><ol><li><em> exclure les pertes d\u00e9coulant d'une guerre (d\u00e9clar\u00e9e ou non), lorsque la police d\u2019assurance n'a pas d'exclusion de guerre distincte.<\/em><\/li><li><em> (sous r\u00e9serve du point 3) exclure les pertes d\u00e9coulant des cyberattaques soutenues par l'\u00c9tat qui (a) entravent significativement la capacit\u00e9 d'un \u00c9tat \u00e0 fonctionner ou (b) qui entravent significativement les capacit\u00e9s de s\u00e9curit\u00e9 d'un \u00c9tat.<\/em><\/li><li><em> \u00eatre claire quant \u00e0 savoir si la couverture exclut les syst\u00e8mes informatiques situ\u00e9s en dehors de tout \u00c9tat qui est affect\u00e9 de la mani\u00e8re d\u00e9crite au point 2(a) &amp; (b) ci-dessus, par la cyberattaque soutenue par l'\u00c9tat.<\/em><\/li><li><em> \u00e9tablir une base solide sur laquelle les parties conviennent de la mani\u00e8re dont toute cyberattaque soutenue par l'\u00c9tat sera attribu\u00e9e \u00e0 un ou plusieurs \u00c9tats.<\/em><\/li><li><em> s'assurer que tous les termes cl\u00e9s sont clairement d\u00e9finis.<\/em><\/li><\/ol><p>En plus de Lloyd's, la plupart des autres assureurs ont introduit des lignes directrices similaires pour traiter le potentiel de risque catastrophique des cyberattaques parrain\u00e9es par l'\u00c9tat, avec ces exclusions d\u00e9sormais courantes dans les polices de cyberassurance.<\/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-117aa68 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"117aa68\" 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-916b21d\" data-id=\"916b21d\" 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-4d1b539 elementor-widget elementor-widget-heading\" data-id=\"4d1b539\" 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\">Des questions sur une police de cyberassurance ?<\/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-0261fca elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0261fca\" 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-40af3b9\" data-id=\"40af3b9\" 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-59c7403 elementor-widget elementor-widget-text-editor\" data-id=\"59c7403\" 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 poss\u00e9dez une entreprise avec une police de cyberassurance, vous aurez probablement des questions li\u00e9es \u00e0 toute clause d'exclusion des risques catastrophiques qui appara\u00eet.<\/p><p>Chez <a href=\"https:\/\/www.axxima.ca\/fr\/\">Axxima<\/a>, nos professionnels de l'assurance exp\u00e9riment\u00e9s peuvent vous aider \u00e0 comprendre si ces clauses excluent un risque particulier qui vous pr\u00e9occupe, et si la police dans son ensemble convient \u00e0 votre entreprise.<\/p><p><a href=\"https:\/\/www.axxima.ca\/fr\/contact-us\/\">Contactez notre \u00e9quipe<\/a> exp\u00e9riment\u00e9e de professionnels pour en savoir plus sur les exclusions des risques catastrophiques qui apparaissent dans votre police 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-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 Catastrophic Risk Exclusions in Cyber Insurance Policies Cyber threats pose considerable risks to businesses of all sizes, from data leaks and network breaches to ransomware attacks. Robust cybersecurity measures can help, but ultimately, no organisation is immune to cyber incidents even with strong defences in place. This is where cyber insurance plays a critical [&hellip;]<\/p>","protected":false},"author":1,"featured_media":6842,"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-6830","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\/2024\/04\/Blog-26-Pic.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.axxima.ca\/fr\/wp-json\/wp\/v2\/posts\/6830","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=6830"}],"version-history":[{"count":10,"href":"https:\/\/www.axxima.ca\/fr\/wp-json\/wp\/v2\/posts\/6830\/revisions"}],"predecessor-version":[{"id":6840,"href":"https:\/\/www.axxima.ca\/fr\/wp-json\/wp\/v2\/posts\/6830\/revisions\/6840"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.axxima.ca\/fr\/wp-json\/wp\/v2\/media\/6842"}],"wp:attachment":[{"href":"https:\/\/www.axxima.ca\/fr\/wp-json\/wp\/v2\/media?parent=6830"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.axxima.ca\/fr\/wp-json\/wp\/v2\/categories?post=6830"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.axxima.ca\/fr\/wp-json\/wp\/v2\/tags?post=6830"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}