{"id":1939,"date":"2025-07-16T11:43:32","date_gmt":"2025-07-16T15:43:32","guid":{"rendered":"https:\/\/assurances-simon.com\/?p=1939"},"modified":"2025-07-16T11:43:32","modified_gmt":"2025-07-16T15:43:32","slug":"votre-pme-est%e2%80%91elle-vraiment-protegee-3-garanties-a-verifier","status":"publish","type":"post","link":"https:\/\/assurances-simon.com\/fr\/votre-pme-est%e2%80%91elle-vraiment-protegee-3-garanties-a-verifier\/","title":{"rendered":"Votre PME est\u2011elle vraiment prot\u00e9g\u00e9e\u202f? 3 garanties \u00e0 v\u00e9rifier"},"content":{"rendered":"\n<h1 class=\"wp-block-heading\">3 garanties commerciales souvent n\u00e9glig\u00e9es<\/h1>\n\n\n\n<p>Lorsque vous choisissez votre <a href=\"https:\/\/assurances-simon.com\/fr\/assurance-commerciale\/\" data-type=\"page\" data-id=\"896\">assurance commerciale<\/a>, on pense d\u2019abord aux protections classiques (biens, responsabilit\u00e9 civile, automobile). Pourtant, plusieurs garanties compl\u00e9mentaires peuvent sauver votre entreprise en cas de sinistre. Chez <a href=\"http:\/\/www.assurances-simon.com\">Assurances\u202fSimon<\/a>, courtier de confiance \u00e0 Montr\u00e9al, d\u00e9couvrez <strong>3 garanties cach\u00e9es<\/strong> \u00e0 ajouter \u00e0 votre police pour une protection compl\u00e8te.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/07\/pexels-pixabay-60504-1024x683.jpg\" alt=\"\" class=\"wp-image-1944\" srcset=\"https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/07\/pexels-pixabay-60504-1024x683.jpg 1024w, https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/07\/pexels-pixabay-60504-300x200.jpg 300w, https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/07\/pexels-pixabay-60504-768x512.jpg 768w, https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/07\/pexels-pixabay-60504-1536x1024.jpg 1536w, https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/07\/pexels-pixabay-60504-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><a href=\"https:\/\/assurances-simon.com\/fr\/cyber-assurance\/\">1. Responsabilit\u00e9 cybern\u00e9tique<\/a><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Pourquoi c\u2019est vital<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Les PME constituent plus de 43\u202f% des cibles d\u2019attaques informatiques au Canada.<\/li>\n\n\n\n<li>Le co\u00fbt moyen d\u2019une fuite de donn\u00e9es atteint facilement  CAD 50,\u202f000\u202f.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Ce que couvre cette garantie<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Frais de notification et surveillance de cr\u00e9dit pour vos clients<\/li>\n\n\n\n<li>Honoraires juridiques et gestion de crise m\u00e9diatique<\/li>\n\n\n\n<li>Paiement de ran\u00e7ons informatiques et pertes d\u2019exploitation associ\u00e9es<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/07\/pexels-timmossholder-1171386-1024x683.jpg\" alt=\"\" class=\"wp-image-1942\" srcset=\"https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/07\/pexels-timmossholder-1171386-1024x683.jpg 1024w, https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/07\/pexels-timmossholder-1171386-300x200.jpg 300w, https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/07\/pexels-timmossholder-1171386-768x512.jpg 768w, https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/07\/pexels-timmossholder-1171386-1536x1024.jpg 1536w, https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/07\/pexels-timmossholder-1171386-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">2. Interruption d\u2019activit\u00e9<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Pourquoi c\u2019est vital<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Un incendie, un d\u00e9g\u00e2t des eaux ou une panne majeure peut bloquer vos op\u00e9rations plusieurs jours.<\/li>\n\n\n\n<li>Sans cette protection, vous perdez votre chiffre d\u2019affaires tout en continuant \u00e0 payer loyers et salaires.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Ce que couvre cette garantie<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Remboursement de la perte de revenu net<\/li>\n\n\n\n<li>Frais pour relocaliser temporairement vos installations<\/li>\n\n\n\n<li>Achat ou location d\u2019\u00e9quipement de substitution<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/07\/wesley-tingey-TdNLjGXVH3s-unsplash-1024x683.jpg\" alt=\"\" class=\"wp-image-1940\" srcset=\"https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/07\/wesley-tingey-TdNLjGXVH3s-unsplash-1024x683.jpg 1024w, https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/07\/wesley-tingey-TdNLjGXVH3s-unsplash-300x200.jpg 300w, https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/07\/wesley-tingey-TdNLjGXVH3s-unsplash-768x512.jpg 768w, https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/07\/wesley-tingey-TdNLjGXVH3s-unsplash-1536x1024.jpg 1536w, https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/07\/wesley-tingey-TdNLjGXVH3s-unsplash-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">3. <a href=\"https:\/\/assurances-simon.com\/fr\/assurance-responsabilite\/\">Erreurs et omissions professionnelles<\/a><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Pourquoi c\u2019est vital<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Toute entreprise de services (consultants, TI, marketing\u2026) peut \u00eatre tenue responsable en cas de conseil erron\u00e9 ou d\u2019omission.<\/li>\n\n\n\n<li>Les frais de d\u00e9fense et les indemnisations peuvent se chiffrer en dizaines de milliers de dollars.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Ce que couvre cette garantie<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>D\u00e9fense devant les tribunaux<\/li>\n\n\n\n<li>Paiement des dommages-int\u00e9r\u00eats r\u00e9clam\u00e9s<\/li>\n\n\n\n<li>Remboursement des frais li\u00e9s \u00e0 un manquement professionnel<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Comment choisir la meilleure solution\u202f?<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Diagnostic personnalis\u00e9<\/strong><br>Nos experts analysent vos risques selon votre secteur et la taille de votre entreprise.<\/li>\n\n\n\n<li><strong>Comparatif des offres<\/strong><br>Nous vous pr\u00e9sentons les meilleures polices des assureurs, au meilleur rapport garanties\/prix.<\/li>\n\n\n\n<li><strong>Suivi continu<\/strong><br>Votre entreprise \u00e9volue\u202f; votre couverture aussi. Nous ajustons votre contrat au besoin.<\/li>\n<\/ol>\n\n\n\n<p>Prot\u00e9gez vos ambitions entrepreneuriales avec une couverture sur mesure. Nos experts vous accompagnent dans l\u2019analyse et l\u2019optimisation de votre police.<\/p>\n\n\n\n<p><strong>Contactez\u2011nous d\u00e8s aujourd\u2019hui<\/strong> :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>T\u00e9l\u00e9phone :<\/strong> 514\u202f881\u20118885<\/li>\n\n\n\n<li><strong>Courriel :<\/strong> <a>info@assurances-simon.com<\/a><\/li>\n\n\n\n<li><strong>Contact en ligne :<\/strong> <a class=\"\" href=\"https:\/\/assurances-simon.com\/fr\/contactez-nous\/\">Contactez\u2011nous<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>3 garanties commerciales souvent n\u00e9glig\u00e9es Lorsque vous choisissez votre assurance commerciale, on pense d\u2019abord aux protections classiques (biens, responsabilit\u00e9 civile, automobile). Pourtant, plusieurs garanties compl\u00e9mentaires peuvent sauver votre entreprise en cas de sinistre. Chez Assurances\u202fSimon, courtier de confiance \u00e0 Montr\u00e9al, d\u00e9couvrez 3 garanties cach\u00e9es \u00e0 ajouter \u00e0 votre police pour une protection compl\u00e8te. 1. Responsabilit\u00e9 [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":1946,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","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":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"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":""},"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":""}},"footnotes":""},"categories":[27],"tags":[],"class_list":["post-1939","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurance-commerciale"],"_links":{"self":[{"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/posts\/1939","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/comments?post=1939"}],"version-history":[{"count":1,"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/posts\/1939\/revisions"}],"predecessor-version":[{"id":1950,"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/posts\/1939\/revisions\/1950"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/media\/1946"}],"wp:attachment":[{"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/media?parent=1939"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/categories?post=1939"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/tags?post=1939"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}