{"id":7066,"date":"2024-08-27T10:31:12","date_gmt":"2024-08-27T15:31:12","guid":{"rendered":"https:\/\/www.axxima.ca\/?p=7066"},"modified":"2025-10-17T14:30:56","modified_gmt":"2025-10-17T19:30:56","slug":"side-a-insurance-policies-why-your-board-members-need-one","status":"publish","type":"post","link":"https:\/\/www.axxima.ca\/fr\/blog\/side-a-insurance-policies-why-your-board-members-need-one\/","title":{"rendered":"Polices d'assurance couverture A : Pourquoi vos membres du conseil d'administration en ont besoin"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"7066\" class=\"elementor elementor-7066\">\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\">D\u00e9couvrez pourquoi une police de couverture A pourrait \u00eatre adapt\u00e9e \u00e0 vos membres du conseil<\/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>Le monde des affaires est rempli de d\u00e9fis et d'incertitudes qui peuvent exposer les administrateurs et dirigeants (D&amp;O) \u00e0 une responsabilit\u00e9 personnelle significative.\nCette exposition provient de plusieurs sources, notamment des poursuites des actionnaires, des sanctions impos\u00e9es par les organismes de r\u00e9glementation et des accusations de mauvaise conduite.<\/p><p>Les administrateurs et dirigeants, souvent en premi\u00e8re ligne pour guider leurs entreprises \u00e0 travers des p\u00e9riodes tumultueuses, ont besoin d'une protection solide pour prot\u00e9ger leurs actifs personnels contre ces r\u00e9clamations potentielles. \nC'est l\u00e0 que les polices d'assurance pour Directeurs et Administrateurs (D&amp;O) peuvent offrir une protection pr\u00e9cieuse, en constituant un filet de s\u00e9curit\u00e9 contre une vari\u00e9t\u00e9 de risques.<\/p><p>Dans cet article, nous explorerons pourquoi une police de couverture A pourrait \u00eatre le bon choix pour vos membres du conseil d'administration.<\/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 qu'une police d'assurance de couverture A ?<\/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>La couverture A est un type d'assurance D&amp;O con\u00e7ue pour prot\u00e9ger individuellement les administrateurs et dirigeants lorsque la soci\u00e9t\u00e9 est incapable ou refuse de les indemniser.<\/p><p>L'assurance de couverture A se concentre exclusivement sur la responsabilit\u00e9 personnelle des administrateurs et dirigeants.<\/p><p>Cela signifie que dans les cas o\u00f9 la soci\u00e9t\u00e9 ne peut pas fournir d'indemnisation \u00e0 ses administrateurs, l'assurance de couverture A prend le relais. Elle couvrira g\u00e9n\u00e9ralement les frais de d\u00e9fense personnels, les r\u00e8glements ou les jugements contre les administrateurs et dirigeants.<\/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-e612c36 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e612c36\" 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-21ed734\" data-id=\"21ed734\" 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-d32bb42 elementor-widget elementor-widget-heading\" data-id=\"d32bb42\" 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\">Quand s'applique la couverture A ?<\/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-0beb1fd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0beb1fd\" 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-0571670\" data-id=\"0571670\" 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-94be853 elementor-widget elementor-widget-text-editor\" data-id=\"94be853\" 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 couverture A entre en jeu dans plusieurs sc\u00e9narios o\u00f9 une indemnit\u00e9 corporative n'est pas disponible. Cela inclut :<\/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\">L'insolvabilit\u00e9 de l'entreprise<\/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>Lorsqu'une entreprise fait face \u00e0 la faillite ou \u00e0 de graves difficult\u00e9s financi\u00e8res, elle peut ne pas avoir les ressources n\u00e9cessaires pour indemniser ses administrateurs et dirigeants. L'assurance couverture A garanti que ces individus sont toujours prot\u00e9g\u00e9s malgr\u00e9 l'incapacit\u00e9 financi\u00e8re de l'entreprise.<\/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-75ec726 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"75ec726\" 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-1f34bcd\" data-id=\"1f34bcd\" 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-17c628f elementor-widget elementor-widget-heading\" data-id=\"17c628f\" 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\">Restrictions l\u00e9gales<\/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-b13e154 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b13e154\" 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-982d951\" data-id=\"982d951\" 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-152b787 elementor-widget elementor-widget-text-editor\" data-id=\"152b787\" 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 des cas o\u00f9 les lois ou les r\u00e8glements d'entreprise interdisent \u00e0 la soci\u00e9t\u00e9 d'indemniser ses administrateurs et dirigeants. Dans ces cas, l'assurance de couverture A peut fournir une garantie importante que la soci\u00e9t\u00e9 ne peut l\u00e9galement offrir.<\/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-b76b118 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b76b118\" 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-2897599\" data-id=\"2897599\" 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-e68ec8f elementor-widget elementor-widget-heading\" data-id=\"e68ec8f\" 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\">Refus d'indemnisation<\/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-f343a89 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f343a89\" 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-fa24d5e\" data-id=\"fa24d5e\" 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-00edf01 elementor-widget elementor-widget-text-editor\" data-id=\"00edf01\" 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 certaines situations, une entreprise peut choisir de ne pas indemniser ses administrateurs et dirigeants, par exemple en raison de conflits internes.\nL'assurance couverture A fourni une couche de protection ind\u00e9pendante, garantissant que les administrateurs et dirigeants sont couverts ind\u00e9pendamment de la position de l'entreprise.<\/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-9d3038a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9d3038a\" 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-a3e2fd9\" data-id=\"a3e2fd9\" 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-35ec121 elementor-widget elementor-widget-heading\" data-id=\"35ec121\" 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\">Exemples de r\u00e9clamations D&amp;O que la couverture A prot\u00e8ge<\/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-ee77e35 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ee77e35\" 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-b499d8f\" data-id=\"b499d8f\" 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-68aae60 elementor-widget elementor-widget-text-editor\" data-id=\"68aae60\" 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 administrateurs et dirigeants des soci\u00e9t\u00e9s font face \u00e0 <a href=\"https:\/\/www.axxima.ca\/fr\/blog\/business-risk-definition-examples-mitigation-strategies\/\">divers risques<\/a> pouvant entra\u00eener une responsabilit\u00e9 personnelle importante.\u00a0\u00a0<span style=\"font-size: 18px;\">M\u00eame en agissant de bonne foi et en prenant des d\u00e9cisions qu'ils estiment \u00eatre dans le meilleur int\u00e9r\u00eat de l'entreprise, les administrateurs peuvent se retrouver vis\u00e9s par des poursuites judiciaires et des actions r\u00e9glementaires.<\/span><\/p><p>Sans une protection ad\u00e9quate, les cons\u00e9quences financi\u00e8res et de r\u00e9putation peuvent \u00eatre graves.\u00a0\u00a0<span style=\"font-size: 18px;\">Voici des exemples de types de r\u00e9clamations D&amp;O qui mettent en \u00e9vidence l'importance de la protection couverture A.<\/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-4886a78 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4886a78\" 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-4fed587\" data-id=\"4fed587\" 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-2bb0ac5 elementor-widget elementor-widget-heading\" data-id=\"2bb0ac5\" 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\">Recours des actionnaires<\/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-60fa0b6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"60fa0b6\" 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-c453a4a\" data-id=\"c453a4a\" 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-3371c32 elementor-widget elementor-widget-text-editor\" data-id=\"3371c32\" 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 recours des actionnaires sont l'une des sources les plus courantes de r\u00e9clamations contre les administrateurs et dirigeants.\nCes poursuites peuvent d\u00e9couler d'all\u00e9gations de mauvaise gestion, de violation du devoir de fiduciaire ou de d\u00e9faut de divulgation d'informations importantes.<\/p><p>Par exemple, si les actionnaires estiment que les d\u00e9cisions du conseil d'administration ont entra\u00een\u00e9 des pertes financi\u00e8res ou une diminution de la valeur pour les actionnaires, ils peuvent intenter une action en justice pour obtenir des dommages-int\u00e9r\u00eats.<\/p><p>L'assurance de couverture A prot\u00e8ge les administrateurs et dirigeants en couvrant leurs frais de d\u00e9fense ainsi que tout r\u00e8glement ou jugement, garantissant en fin de compte la protection de leurs actifs personnels.<\/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-e13c448 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e13c448\" 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-87a39d5\" data-id=\"87a39d5\" 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-068128c elementor-widget elementor-widget-heading\" data-id=\"068128c\" 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\">P\u00e9nalit\u00e9s r\u00e9glementaires<\/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-ba08170 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ba08170\" 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-6dde260\" data-id=\"6dde260\" 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-21020fe elementor-widget elementor-widget-text-editor\" data-id=\"21020fe\" 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 administrateurs et dirigeants courent \u00e9galement le risque de p\u00e9nalit\u00e9s impos\u00e9es par des entit\u00e9s gouvernementales.\nCes p\u00e9nalit\u00e9s peuvent d\u00e9couler de violations des lois sur les valeurs mobili\u00e8res, des r\u00e9glementations environnementales ou d'autres questions de conformit\u00e9.<\/p><p>Par exemple, si une entreprise est reconnue coupable de violation des lois environnementales, les administrateurs et dirigeants peuvent \u00eatre tenus personnellement responsables des p\u00e9nalit\u00e9s.<\/p><p>En Ontario, la <em>Loi sur la protection de l'environnement, RSO 1990, c E.19<\/em> impose aux administrateurs l'obligation de prendre des mesures raisonnables pour emp\u00eacher leur entreprise de commettre des infractions environnementales. Il existe une responsabilit\u00e9 stricte pour les pr\u00e9judices d\u00e9coulant d'une violation de cette obligation et les administrateurs peuvent \u00eatre personnellement responsables.<\/p><p>L'assurance de couverture A fournit une garantie pour ces p\u00e9nalit\u00e9s, assurant que les administrateurs et dirigeants ne sont pas financi\u00e8rement an\u00e9antis par de telles 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-fac29f6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fac29f6\" 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-e0d754c\" data-id=\"e0d754c\" 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-04a05e3 elementor-widget elementor-widget-heading\" data-id=\"04a05e3\" 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\">\u00ab Actes de mauvaise foi \u00bb par des administrateurs<\/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-ff95ff1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ff95ff1\" 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-04a767e\" data-id=\"04a767e\" 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-845fecf elementor-widget elementor-widget-text-editor\" data-id=\"845fecf\" 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>Fraude, auto-transaction ou autre faute intentionnelle. Ces types d'all\u00e9gations de \"mauvaise foi\" peuvent entra\u00eener des litiges co\u00fbteux.<\/p><p>M\u00eame si les administrateurs estiment que leurs actions \u00e9taient dans le meilleur int\u00e9r\u00eat de l'entreprise, ils peuvent encore faire l'objet de poursuites all\u00e9guant une mauvaise foi.<\/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\">Quelle est la diff\u00e9rence entre l'assurance de couvertures A, B et C?<\/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>Comprendre les diff\u00e9rences entre les assurances de couvertures A, B et C est essentiels pour choisir la bonne protection pour votre conseil d'administration.\nChaque type de couverture sert un but diff\u00e9rent et adresse diff\u00e9rents aspects de la responsabilit\u00e9 D&amp;O.<\/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-0429fff elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0429fff\" 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-351f1bb\" data-id=\"351f1bb\" 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-f0adf18 elementor-widget elementor-widget-heading\" data-id=\"f0adf18\" 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\">Couverture A par rapport \u00e0 la couverture B<\/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-3725506 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3725506\" 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-10ca8a0\" data-id=\"10ca8a0\" 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-2b4cc81 elementor-widget elementor-widget-text-editor\" data-id=\"2b4cc81\" 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>Comme indiqu\u00e9 pr\u00e9c\u00e9demment, l'assurance de couverture A offre une couverture directe aux administrateurs et dirigeants individuels lorsque l'entreprise ne peut pas ou ne veut pas les indemniser.<\/p><p>L'assurance couverture B rembourse l'entreprise pour les co\u00fbts qu'elle supporte en indemnisation de ses administrateurs et dirigeants. Cela signifie que lorsque l'entreprise paie les frais de d\u00e9fense ou les r\u00e8glements au nom de ses administrateurs et dirigeants, l'assurance couverture B intervient pour rembourser l'entreprise pour ces d\u00e9penses.<\/p><p>La principale diff\u00e9rence entre la couverture A et la couverture B est que la couverture A b\u00e9n\u00e9ficie directement aux administrateurs et dirigeants individuels, tandis que la couverture B b\u00e9n\u00e9ficie \u00e0 l'entreprise en la remboursant pour les d\u00e9penses d'indemnisation.<\/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-49a450c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"49a450c\" 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-e1ec13f\" data-id=\"e1ec13f\" 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-88dd284 elementor-widget elementor-widget-heading\" data-id=\"88dd284\" 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\">Couverture A par rapport \u00e0 la couverture C<\/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-02a3460 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"02a3460\" 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-98c7e7d\" data-id=\"98c7e7d\" 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-6ab645e elementor-widget elementor-widget-text-editor\" data-id=\"6ab645e\" 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'assurance couverture C, \u00e9galement connue sous le nom de \u00ab couverture de l'entit\u00e9 \u00bb, prot\u00e8ge l'entreprise elle-m\u00eame contre les r\u00e9clamations en valeurs mobili\u00e8res port\u00e9es contre elle en tant qu'entit\u00e9. Ce type d'assurance couvre les frais de d\u00e9fense de l'entreprise, les r\u00e8glements et les jugements d\u00e9coulant de poursuites li\u00e9es aux valeurs mobili\u00e8res.<\/p><p>La principale diff\u00e9rence entre l'assurance couverture A et la couverture C est que la couverture A se concentre sur la protection des directeurs et des dirigeants individuels, tandis que la couverture C est con\u00e7ue pour prot\u00e9ger l'entreprise dans son ensemble.<\/p><p>Bien que les deux types de couverture soient cruciaux, la couverture A est importante pour garantir que les directeurs et les dirigeants b\u00e9n\u00e9ficient d'une protection personnelle qui n'est pas d\u00e9pendante de la situation financi\u00e8re de l'entreprise ou de sa volont\u00e9 d'indemniser.<\/p><p>Vous pouvez lire une explication compl\u00e8te sur <a href=\"https:\/\/www.axxima.ca\/fr\/blog\/sides-a-b-c-of-a-do-insurance-policy-what-you-need-to-know\/\">la diff\u00e9rence entre les c\u00f4t\u00e9s A, B et C ici<\/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-dd52a91 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"dd52a91\" 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-5325c48\" data-id=\"5325c48\" 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-c72c3a9 elementor-widget elementor-widget-heading\" data-id=\"c72c3a9\" 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\">Acheter une police d'assurance D&amp;O couverture A \"ind\u00e9pendante\"<\/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-8f8b63d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8f8b63d\" 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-7108f8e\" data-id=\"7108f8e\" 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-5da86b4 elementor-widget elementor-widget-text-editor\" data-id=\"5da86b4\" 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 membres du conseil d'administration ont souvent la possibilit\u00e9 d'acheter une police de couverture A ind\u00e9pendante ou de la combiner avec les c\u00f4t\u00e9s B et C.<\/p><p>L'avantage principal d'une police de couverture A ind\u00e9pendante est l'acc\u00e8s \u00e0 une couverture plus \u00e9tendue et \u00e0 moins d'exclusions compar\u00e9 \u00e0 une police combin\u00e9e ABC. En raison de cette couverture am\u00e9lior\u00e9e, les polices de couverture A sont souvent appel\u00e9es des polices de \"Diff\u00e9rence en Conditions\" (DIC).<\/p><p>De nombreuses entreprises choisissent d'avoir \u00e0 la fois une police de couverture A ind\u00e9pendante et une police combin\u00e9e ABC pour att\u00e9nuer le risque d'insolvabilit\u00e9. Les directeurs et dirigeants se reposant uniquement sur une police ABC peuvent se retrouver non assur\u00e9s dans certains sc\u00e9narios.<\/p><p>La couverture A ind\u00e9pendante peut parfois r\u00e9pondre au \u00ab premier dollar \u00bb, ce qui signifie que l'assureur couvre les co\u00fbts en amont sans que l'entreprise ait \u00e0 payer d'abord et \u00e0 demander un remboursement.<\/p><p>De plus, sans protection de couverture A, les directeurs ou dirigeants pourraient devoir payer une \u00ab franchise autocontr\u00f4l\u00e9e de couverture B \u00bb substantielle avant qu'une police de couverture B ne r\u00e9ponde.<\/p><p>Consulter un <a href=\"https:\/\/www.axxima.ca\/fr\/services\/\">conseiller en assurance exp\u00e9riment\u00e9<\/a> peut aider \u00e0 garantir que votre organisation obtient le niveau de couverture appropri\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-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\">Vous cherchez plus d'informations sur l'assurance D&amp;O de couverture A?<\/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>D\u00e9cider quelle police d'assurance D&amp;O acheter pour conseil d'administration peut \u00eatre difficile.  S\u00e9lectionner la bonne police d'assurance D&amp;O est crucial pour prot\u00e9ger les actifs personnels et la tranquillit\u00e9 d'esprit de vos membres.<\/p><p>Faire appel \u00e0 un courtier en assurance exp\u00e9riment\u00e9 peut faire toute la diff\u00e9rence pour garantir que vous disposez de la couverture la plus appropri\u00e9e et compl\u00e8te. <a href=\"https:\/\/www.axxima.ca\/fr\/services\/\">Contactez un consultant en assurance<\/a> d\u00e8s aujourd'hui pour \u00e9valuer vos besoins sp\u00e9cifiques et d\u00e9terminer la bonne police d'assurance D&amp;O pour votre conseil.<\/p><p>Avec des conseils professionnels, <a href=\"https:\/\/www.axxima.ca\/fr\/\">Axxima<\/a> peut prot\u00e9ger vos directeurs et dirigeants contre les nombreux risques auxquels ils sont confront\u00e9s, en veillant \u00e0 ce que votre organisation soit bien pr\u00e9par\u00e9e.<\/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 Why a Side A Policy Might Be Right for Your Board The business world is fraught with challenges and uncertainties that can leave directors and officers (D&amp;O) exposed to significant personal liability.\u00a0 This exposure arises from a number of sources, including shareholder lawsuits, penalties imposed by regulatory agencies and accusations of misconduct. Directors and [&hellip;]<\/p>","protected":false},"author":1,"featured_media":7071,"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-7066","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\/08\/Company-meeting.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.axxima.ca\/fr\/wp-json\/wp\/v2\/posts\/7066","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=7066"}],"version-history":[{"count":8,"href":"https:\/\/www.axxima.ca\/fr\/wp-json\/wp\/v2\/posts\/7066\/revisions"}],"predecessor-version":[{"id":7508,"href":"https:\/\/www.axxima.ca\/fr\/wp-json\/wp\/v2\/posts\/7066\/revisions\/7508"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.axxima.ca\/fr\/wp-json\/wp\/v2\/media\/7071"}],"wp:attachment":[{"href":"https:\/\/www.axxima.ca\/fr\/wp-json\/wp\/v2\/media?parent=7066"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.axxima.ca\/fr\/wp-json\/wp\/v2\/categories?post=7066"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.axxima.ca\/fr\/wp-json\/wp\/v2\/tags?post=7066"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}