{"id":11830,"date":"2024-03-11T16:35:57","date_gmt":"2024-03-11T16:35:57","guid":{"rendered":"http:\/\/gosnappy.io\/blog\/?p=5717"},"modified":"2026-07-30T14:45:13","modified_gmt":"2026-07-30T14:45:13","slug":"cout-de-lassurance-restaurant-au-canada","status":"publish","type":"post","link":"https:\/\/gosnappy.io\/blog\/fr\/cout-de-lassurance-restaurant-au-canada\/","title":{"rendered":"Co\u00fbt de l&#8217;assurance restaurant au Canada"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"11830\" class=\"elementor elementor-11830\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5b10360b e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"5b10360b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-19302581 elementor-widget elementor-widget-image\" data-id=\"19302581\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1495\" height=\"884\" src=\"https:\/\/gosnappy.io\/blog\/wp-content\/uploads\/2024\/03\/restaurant-insruance-cost.jpeg\" class=\"attachment-full size-full wp-image-5721\" alt=\"restaurant insruance cost\" srcset=\"https:\/\/gosnappy.io\/blog\/wp-content\/uploads\/2024\/03\/restaurant-insruance-cost.jpeg 1495w, https:\/\/gosnappy.io\/blog\/wp-content\/uploads\/2024\/03\/restaurant-insruance-cost-300x177.jpeg 300w, https:\/\/gosnappy.io\/blog\/wp-content\/uploads\/2024\/03\/restaurant-insruance-cost-1024x605.jpeg 1024w, https:\/\/gosnappy.io\/blog\/wp-content\/uploads\/2024\/03\/restaurant-insruance-cost-768x454.jpeg 768w\" sizes=\"(max-width: 1495px) 100vw, 1495px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5bb87b62 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"5bb87b62\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2f54caec elementor-widget elementor-widget-heading\" data-id=\"2f54caec\" data-element_type=\"widget\" data-e-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\">Co\u00fbt de l'assurance restaurant au Canada<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-38dba46c e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"38dba46c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6551316f e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"6551316f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-574dd7b1 elementor-author-box--layout-image-left elementor-author-box--align-left elementor-author-box--image-valign-top elementor-author-box--avatar-yes elementor-author-box--name-yes elementor-author-box--biography-yes elementor-author-box--link-no elementor-widget elementor-widget-author-box\" data-id=\"574dd7b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"author-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-author-box\">\n\t\t\t\t\t\t\t<div  class=\"elementor-author-box__avatar\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/secure.gravatar.com\/avatar\/2b6793a050f46c686ddf577fa0fe50b87ee8c39eef754eff32cf9b53832229e2?s=200&#038;d=mm&#038;r=g\" alt=\"Picture of Thomas Campbell\" loading=\"lazy\">\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"elementor-author-box__text\">\n\t\t\t\t\t\t\t\t\t<div >\n\t\t\t\t\t\t<div class=\"elementor-author-box__name\">\n\t\t\t\t\t\t\tThomas Campbell\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-author-box__bio\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2d17ac06 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"2d17ac06\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6eafa4d elementor-widget elementor-widget-text-editor\" data-id=\"6eafa4d\" data-element_type=\"widget\" data-e-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><em>11 mars 2024<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2077c940 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"2077c940\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2ad084fc e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"2ad084fc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6425d393 elementor-widget elementor-widget-text-editor\" data-id=\"6425d393\" data-element_type=\"widget\" data-e-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<div class=\"flex flex-grow flex-col max-w-full\"><div class=\"min-h-[20px] text-message flex flex-col items-start gap-3 whitespace-pre-wrap break-words [.text-message+&amp;amp;]:mt-5 overflow-x-auto\" data-message-author-role=\"assistant\" data-message-id=\"310d2e91-2116-47fe-90e4-dce20c165253\"><div class=\"markdown prose w-full break-words dark:prose-invert light\"><p>L&#8217;assurance restaurant permet aux restaurateurs de se prot\u00e9ger contre divers risques li\u00e9s \u00e0 leur activit\u00e9 quotidienne. Ces risques peuvent aller des incidents de responsabilit\u00e9 civile, comme les accidents survenus dans l&#8217;\u00e9tablissement, aux cyberattaques\u00a0; il est donc essentiel pour tout restaurant d&#8217;\u00eatre assur\u00e9.<\/p><p>Dans cet article, nous examinerons les types d&#8217;assurance restaurant dont vous pourriez avoir besoin, les variables qui d\u00e9terminent les primes mensuelles et le montant que vous paierez au Canada.<\/p><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16e6b53f elementor-widget elementor-widget-text-editor\" data-id=\"16e6b53f\" data-element_type=\"widget\" data-e-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<h4>&nbsp;Points cl\u00e9s<\/h4><ul><li>L&#8217;assurance responsabilit\u00e9 civile g\u00e9n\u00e9rale co\u00fbtera aux restaurants 120 $ ou plus par mois.<\/li><li>L&#8217;assurance responsabilit\u00e9 civile pour la vente d&#8217;alcool co\u00fbtera aux restaurants 50 $ ou plus par mois.<\/li><li>L&#8217;assurance contre les accidents du travail co\u00fbtera aux restaurants 140 $ ou plus par mois.<\/li><li>Les restaurants devraient avoir une assurance responsabilit\u00e9 civile d&#8217;au moins 1 million de dollars.<\/li><li>La taille du restaurant, son emplacement, la zone de couverture et d&#8217;autres variables d\u00e9termineront les primes.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5a747658 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"5a747658\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6d2f6eef elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6d2f6eef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\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\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7453ec7 elementor-widget elementor-widget-heading\" data-id=\"7453ec7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Types d'assurance pour restaurants<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3d29fac e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"3d29fac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d09b016 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"d09b016\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\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\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35cfd7bc elementor-widget elementor-widget-text-editor\" data-id=\"35cfd7bc\" data-element_type=\"widget\" data-e-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<div class=\"flex flex-grow flex-col max-w-full\"><div class=\"min-h-[20px] text-message flex flex-col items-start gap-3 whitespace-pre-wrap break-words [.text-message+&amp;amp;]:mt-5 overflow-x-auto\" data-message-author-role=\"assistant\" data-message-id=\"f67c9d0b-9d63-482b-a135-e8365b153cda\"><div class=\"markdown prose w-full break-words dark:prose-invert light\"><p>Bien que les restaurants prosp\u00e8rent gr\u00e2ce \u00e0 l&#8217;activit\u00e9 sociale et \u00e0 un accueil chaleureux, ils sont expos\u00e9s \u00e0 de nombreux risques pouvant entra\u00eener des blessures et, par la suite, des poursuites judiciaires co\u00fbteuses en l&#8217;absence d&#8217;assurance. Alors, de quelle assurance les restaurants ont-ils besoin\u00a0? Vous trouverez ci-dessous une liste des types d&#8217;assurance les plus courants pour les restaurants.<\/p><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d629fc0 elementor-widget elementor-widget-heading\" data-id=\"6d629fc0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">1. Assurance responsabilit\u00e9 civile g\u00e9n\u00e9rale (RCG)<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c7559ec elementor-widget elementor-widget-text-editor\" data-id=\"2c7559ec\" data-element_type=\"widget\" data-e-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>Sans doute la couverture la plus importante pour toute entreprise, l&#8217;assurance responsabilit\u00e9 civile g\u00e9n\u00e9rale (RCG) prot\u00e8ge les restaurants contre les r\u00e9clamations cons\u00e9cutives \u00e0 des accidents survenus dans leurs locaux et ayant entra\u00een\u00e9 des blessures ou des dommages mat\u00e9riels. Ce type d&#8217;assurance est indispensable aux restaurants car il regroupe plusieurs garanties en une seule formule.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c03ed7 elementor-widget elementor-widget-heading\" data-id=\"2c03ed7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">2. Assurance responsabilit\u00e9 civile pour la vente d'alcool<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8670066 elementor-widget elementor-widget-text-editor\" data-id=\"8670066\" data-element_type=\"widget\" data-e-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>Tout restaurant servant de l&#8217;alcool doit souscrire cette assurance afin de se pr\u00e9munir contre les poursuites judiciaires et les frais m\u00e9dicaux en cas de blessure d&#8217;un client en \u00e9tat d&#8217;ivresse. Elle prot\u00e8ge \u00e9galement les employ\u00e9s charg\u00e9s du service de l&#8217;alcool ainsi que les autres clients susceptibles d&#8217;\u00eatre affect\u00e9s physiquement par des personnes ivres.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2574b0b elementor-widget elementor-widget-heading\" data-id=\"2574b0b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">3. Assurance contre les accidents du travail<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24f8415 elementor-widget elementor-widget-text-editor\" data-id=\"24f8415\" data-element_type=\"widget\" data-e-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&#8217;assurance accidents du travail couvre les frais m\u00e9dicaux et les prestations en cas de blessure, temporaire ou permanente, subie par un employ\u00e9 au travail. L&#8217;assurance responsabilit\u00e9 civile professionnelle prot\u00e8ge les restaurants contre les r\u00e9clamations pour sous-paiement ou sur-horaires.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7cd9f04 elementor-widget elementor-widget-heading\" data-id=\"7cd9f04\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">4. Assurance responsabilit\u00e9 civile alimentaire et produits<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c87b379 elementor-widget elementor-widget-text-editor\" data-id=\"c87b379\" data-element_type=\"widget\" data-e-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 arrive in\u00e9vitablement que des clients tombent malades ou r\u00e9agissent mal aux aliments servis dans un restaurant, m\u00eame lorsque ce dernier a pris les mesures d&#8217;hygi\u00e8ne alimentaire requises. Cette assurance prot\u00e8ge les restaurants contre la diffamation et les poursuites judiciaires.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db5a86c elementor-widget elementor-widget-heading\" data-id=\"db5a86c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">5. Assurance automobile<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-071ccd8 elementor-widget elementor-widget-text-editor\" data-id=\"071ccd8\" data-element_type=\"widget\" data-e-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 restaurants qui utilisent des voitures, des camionnettes, des motos ou tout autre v\u00e9hicule pour vendre et livrer des repas doivent souscrire une assurance automobile. Celle-ci prot\u00e8ge le v\u00e9hicule contre les frais li\u00e9s aux accidents, aux collisions et aux vols.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5079ec0 elementor-widget elementor-widget-heading\" data-id=\"5079ec0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">6. Assurance du mat\u00e9riel<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f36b70 elementor-widget elementor-widget-text-editor\" data-id=\"5f36b70\" data-element_type=\"widget\" data-e-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&#8217;assurance panne d&#8217;\u00e9quipement aide les propri\u00e9taires d&#8217;entreprises \u00e0 couvrir le co\u00fbt des r\u00e9parations co\u00fbteuses ou du remplacement d&#8217;\u00e9quipements essentiels de restaurant comme les fours et les r\u00e9frig\u00e9rateurs commerciaux.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f16cfc7 elementor-widget elementor-widget-heading\" data-id=\"f16cfc7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">7. Assurance habitation<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca3b333 elementor-widget elementor-widget-text-editor\" data-id=\"ca3b333\" data-element_type=\"widget\" data-e-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&#8217;assurance des biens couvre les frais de r\u00e9paration et les dommages caus\u00e9s par un incendie, la fum\u00e9e, une catastrophe naturelle, les intemp\u00e9ries ou un bris. Elle rembourse les propri\u00e9taires d&#8217;entreprise la valeur des stocks perdus, du mat\u00e9riel endommag\u00e9 ou des biens couverts par le contrat.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5bc8230 elementor-widget elementor-widget-heading\" data-id=\"5bc8230\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">8. Assurance responsabilit\u00e9 civile cybern\u00e9tique<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d867f18 elementor-widget elementor-widget-text-editor\" data-id=\"d867f18\" data-element_type=\"widget\" data-e-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 syst\u00e8mes de point de vente et de r\u00e9servation en ligne sont essentiels au bon fonctionnement des services de restauration. Les restaurants peuvent renforcer leurs ressources num\u00e9riques gr\u00e2ce \u00e0 une assurance responsabilit\u00e9 civile cyber, les prot\u00e9geant ainsi des attaques, des pertes de donn\u00e9es et des d\u00e9faillances.. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ea4033c e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"ea4033c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1ec3556 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"1ec3556\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-158808b e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"158808b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-311f749 elementor-widget elementor-widget-html\" data-id=\"311f749\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script src=\"https:\/\/js.hsforms.net\/forms\/embed\/8482141.js\" defer><\/script>\n<div class=\"hs-form-frame\" data-region=\"na1\" data-form-id=\"ec09b4fa-d50e-48cf-a410-2404dc095124\" data-portal-id=\"8482141\"><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7d45ad elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"f7d45ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-daf421d elementor-widget elementor-widget-heading\" data-id=\"daf421d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Variables qui influencent les primes<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57345e7b elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"57345e7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f37dfd elementor-widget elementor-widget-text-editor\" data-id=\"2f37dfd\" data-element_type=\"widget\" data-e-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 primes d&#8217;assurance pour les restaurants peuvent varier consid\u00e9rablement en fonction de plusieurs facteurs. Ces facteurs diff\u00e8rent d&#8217;un restaurant \u00e0 l&#8217;autre et peuvent entra\u00eener des primes inf\u00e9rieures ou sup\u00e9rieures \u00e0 la moyenne.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-becbb0b elementor-widget elementor-widget-heading\" data-id=\"becbb0b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Emplacement<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b223720 elementor-widget elementor-widget-text-editor\" data-id=\"b223720\" data-element_type=\"widget\" data-e-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>Des facteurs externes, comme le taux de criminalit\u00e9 ou le risque d&#8217;incendies de for\u00eat, peuvent influencer les co\u00fbts. Certaines compagnies d&#8217;assurance h\u00e9sitent \u00e0 prendre en charge les risques croissants de catastrophes naturelles et peuvent majorer les primes d&#8217;assurance. De m\u00eame, les restaurants situ\u00e9s en centre-ville peuvent avoir des primes plus \u00e9lev\u00e9es que ceux situ\u00e9s dans des quartiers r\u00e9sidentiels plus calmes, car la fr\u00e9quentation y est plus importante, augmentant ainsi le risque d&#8217;accidents.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d25c136 elementor-widget elementor-widget-heading\" data-id=\"d25c136\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Taille du restaurant<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c177051 elementor-widget elementor-widget-text-editor\" data-id=\"c177051\" data-element_type=\"widget\" data-e-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 restaurants de grande taille n\u00e9cessiteront une meilleure protection en raison de leur superficie plus importante. Les \u00e9tablissements plus petits poss\u00e8dent g\u00e9n\u00e9ralement moins de biens, de stocks et d&#8217;entr\u00e9es, ce qui r\u00e9duit les risques de cambriolage. Les grands espaces ayant g\u00e9n\u00e9ralement une valeur plus \u00e9lev\u00e9e, les r\u00e9parations et les reconstructions y seront plus co\u00fbteuses.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-854dfa0 elementor-widget elementor-widget-heading\" data-id=\"854dfa0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Couverture de responsabilit\u00e9 civile<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a70c06 elementor-widget elementor-widget-text-editor\" data-id=\"6a70c06\" data-element_type=\"widget\" data-e-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 montant de votre couverture responsabilit\u00e9 civile d\u00e9terminera \u00e9galement votre prime d&#8217;assurance. Une couverture d&#8217;un million de dollars, par exemple, peut faire grimper votre prime de mani\u00e8re significative par rapport \u00e0 une couverture de cinq millions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6353072 elementor-widget elementor-widget-heading\" data-id=\"6353072\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Protection contre l'incendie<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f66ef0f elementor-widget elementor-widget-text-editor\" data-id=\"f66ef0f\" data-element_type=\"widget\" data-e-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 installations modernes de s\u00e9curit\u00e9 incendie, telles que les sprinklers automatiques raccord\u00e9s \u00e0 une alimentation en eau fiable, les alarmes incendie, l&#8217;\u00e9clairage de secours, les d\u00e9tecteurs de fum\u00e9e sans fil et les sorties de secours, pourraient toutes r\u00e9duire vos co\u00fbts d&#8217;assurance puisque vous avez activement cherch\u00e9 \u00e0 minimiser les risques.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e26ef7 elementor-widget elementor-widget-heading\" data-id=\"8e26ef7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Actifs d\u00e9tenus<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a609a8 elementor-widget elementor-widget-text-editor\" data-id=\"8a609a8\" data-element_type=\"widget\" data-e-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 biens de plus grande valeur, comme les v\u00e9hicules et les ustensiles de cuisine, feront grimper les prix, car le taux de remboursement est plus \u00e9lev\u00e9.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8331c73 elementor-widget elementor-widget-heading\" data-id=\"8331c73\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Des ann\u00e9es d'exp\u00e9rience dans le secteur<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b59e5b3 elementor-widget elementor-widget-text-editor\" data-id=\"b59e5b3\" data-element_type=\"widget\" data-e-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>Plusieurs ann\u00e9es d&#8217;activit\u00e9 sans sinistre permettent souvent de r\u00e9duire le co\u00fbt de l&#8217;assurance. Les assureurs consid\u00e8rent ces personnes comme moins risqu\u00e9es et peuvent donc leur appliquer des r\u00e9ductions pour absence de sinistre.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9107388 elementor-widget elementor-widget-heading\" data-id=\"9107388\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Service d'alcool<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e8dd38 elementor-widget elementor-widget-text-editor\" data-id=\"4e8dd38\" data-element_type=\"widget\" data-e-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 restaurants qui servent de l&#8217;alcool sont plus susceptibles de payer 5 \u00e0 10 % de plus que ceux qui n&#8217;en servent pas, surtout si les \u00e9tablissements se transforment en bars apr\u00e8s les heures d&#8217;ouverture.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e00bc09 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4e00bc09\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f9b5e2f elementor-widget elementor-widget-heading\" data-id=\"f9b5e2f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Co\u00fbt de l'assurance restaurant<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79f0eb2 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"79f0eb2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b864da2 elementor-widget elementor-widget-text-editor\" data-id=\"b864da2\" data-element_type=\"widget\" data-e-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>Souscrire une assurance responsabilit\u00e9 civile g\u00e9n\u00e9rale devrait \u00eatre un point de d\u00e9part pour tout restaurant. Ce type d&#8217;assurance <strong>Cela vous co\u00fbtera 120 $ ou plus par mois, selon les variables mentionn\u00e9es ci-dessus, et vous offrira la couverture de base.<\/strong> Tout restaurant devrait en \u00eatre \u00e9quip\u00e9. Les restaurateurs devraient s&#8217;efforcer de regrouper un maximum de types d&#8217;assurances dans leur contrat d&#8217;assurance g\u00e9n\u00e9ral.<\/p><p>Le deuxi\u00e8me type d&#8217;assurance que les restaurateurs devraient envisager est l&#8217;assurance accidents du travail. Les litiges li\u00e9s aux employ\u00e9s constituent un risque permanent pour le secteur de l&#8217;h\u00f4tellerie-restauration, car les demandes d&#8217;indemnisation pour accidents du travail et salaires continuent d&#8217;augmenter.. <strong>Les restaurants doivent s&#8217;attendre \u00e0 payer 140 $ ou plus par mois pour l&#8217;assurance contre les accidents du travail.<\/strong>.<\/p><p>Si votre restaurant sert de l&#8217;alcool, pensez \u00e0 souscrire une assurance responsabilit\u00e9 civile li\u00e9e \u00e0 la vente d&#8217;alcool. Ce type d&#8217;assurance prot\u00e8ge votre \u00e9tablissement en cas d&#8217;incidents impliquant des clients sous l&#8217;emprise de l&#8217;alcool. <strong>co\u00fbtera 50 $ ou plus par mois<\/strong>.<\/p><p>Les autres types d&#8217;assurance sont plus facultatifs et d\u00e9pendent de vos besoins, mais <strong>Tous les restaurants devraient souscrire ces trois types d&#8217;assurance, dont le co\u00fbt s&#8217;\u00e9l\u00e8ve \u00e0 300 $ ou plus par mois.<\/strong>. Il est fortement recommand\u00e9 de comparer les offres lors du choix d&#8217;un assureur et cela devrait \u00eatre le point de d\u00e9part pour tous les restaurants qui recherchent une assurance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1792866 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"1792866\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18180e0a elementor-widget elementor-widget-heading\" data-id=\"18180e0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Conclusion<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-931be28 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"931be28\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-342bd04d elementor-widget elementor-widget-text-editor\" data-id=\"342bd04d\" data-element_type=\"widget\" data-e-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 assurances responsabilit\u00e9 civile, bris de machines et indemnisation des employ\u00e9s permettent aux restaurants de fonctionner efficacement et de minimiser les interruptions d&#8217;activit\u00e9. Bien que les besoins varient d&#8217;un restaurant \u00e0 l&#8217;autre, souscrire une assurance adapt\u00e9e \u00e0 un prix comp\u00e9titif devrait \u00eatre une priorit\u00e9 pour tous les restaurateurs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2463a082 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"2463a082\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-472d220 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"472d220\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\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\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-12859aba elementor-widget elementor-widget-heading\" data-id=\"12859aba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">FAQ<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7b01367d e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"7b01367d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-136dd17d elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"136dd17d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-12ef767f e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"12ef767f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-46cfe253 elementor-widget elementor-widget-toggle\" data-id=\"46cfe253\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1181\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1181\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">De quelle assurance ai-je besoin pour mon restaurant\u00a0?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1181\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1181\"><div class=\"flex flex-grow flex-col max-w-full\"><div class=\"min-h-[20px] text-message flex flex-col items-start gap-3 whitespace-pre-wrap break-words [.text-message+&amp;amp;]:mt-5 overflow-x-auto\" data-message-author-role=\"assistant\" data-message-id=\"6360d716-1e1d-4721-a6f5-db42a066e936\"><div class=\"markdown prose w-full break-words dark:prose-invert light\"><div class=\"flex flex-grow flex-col max-w-full\"><div class=\"min-h-[20px] text-message flex flex-col items-start gap-3 whitespace-pre-wrap break-words [.text-message+&amp;amp;]:mt-5 overflow-x-auto\" data-message-author-role=\"assistant\" data-message-id=\"b4025ad5-38b3-4168-8c21-80cb289af20e\"><div class=\"markdown prose w-full break-words dark:prose-invert light\"><p>L&rsquo;assurance responsabilit\u00e9 civile g\u00e9n\u00e9rale offre une couverture \u00e9tendue que tous les restaurants devraient envisager. Il est \u00e9galement recommand\u00e9 de souscrire une assurance accidents du travail et une assurance responsabilit\u00e9 civile li\u00e9e \u00e0 la vente d&rsquo;alcool si elles ne sont pas incluses dans l&rsquo;assurance responsabilit\u00e9 civile g\u00e9n\u00e9rale.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1182\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1182\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Combien co\u00fbtera l'assurance pour mon restaurant\u00a0?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1182\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1182\"><div class=\"flex flex-grow flex-col max-w-full\"><div class=\"min-h-[20px] text-message flex flex-col items-start gap-3 whitespace-pre-wrap break-words [.text-message+&amp;amp;]:mt-5 overflow-x-auto\" data-message-author-role=\"assistant\" data-message-id=\"d940b080-fd2b-4ecf-8f65-6f6ca4c93b90\"><div class=\"markdown prose w-full break-words dark:prose-invert light\"><p>L\u2019assurance responsabilit\u00e9 civile g\u00e9n\u00e9rale co\u00fbtera aux restaurants canadiens 140 $ ou plus par mois, mais pour une formule d\u2019assurance restaurant plus compl\u00e8te, les restaurants canadiens doivent s\u2019attendre \u00e0 payer 300 $ ou plus par mois.<\/p><\/div><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1183\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1183\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Quels sont les diff\u00e9rents types d'assurance pour les restaurants ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1183\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1183\"><p>responsabilit\u00e9 civile g\u00e9n\u00e9rale commerciale, responsabilit\u00e9 li\u00e9e \u00e0 la vente d&rsquo;alcool, indemnisation des accidents du travail, responsabilit\u00e9 civile alimentaire et produits, responsabilit\u00e9 civile li\u00e9e aux \u00e9quipements, aux biens et cyber-responsabilit\u00e9.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4615789f e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"4615789f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-35d0ae3c e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"35d0ae3c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0bb20de elementor-widget elementor-widget-html\" data-id=\"0bb20de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script src=\"https:\/\/js.hsforms.net\/forms\/embed\/8482141.js\" defer><\/script>\n<div class=\"hs-form-frame\" data-region=\"na1\" data-form-id=\"523da2d0-fa98-49fb-8f55-065f55c2edb9\" data-portal-id=\"8482141\"><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-38ab72b2 elementor-widget elementor-widget-table-of-contents\" data-id=\"38ab72b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;exclude_headings_by_selector&quot;:[],&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_offset&quot;:100,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;headings_by_tags&quot;:[&quot;h2&quot;,&quot;h3&quot;,&quot;h4&quot;,&quot;h5&quot;],&quot;no_headings_message&quot;:&quot;No headings were found on this page.&quot;,&quot;marker_view&quot;:&quot;numbers&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\tTable des mati\u00e8res\t\t\t<\/h4>\n\t\t\t\t\t<\/div>\n\t\t<div id=\"elementor-toc__38ab72b2\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<svg class=\"elementor-toc__spinner eicon-animation-spin e-font-icon-svg e-eicon-loading\" aria-hidden=\"true\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M500 975V858C696 858 858 696 858 500S696 142 500 142 142 304 142 500H25C25 237 238 25 500 25S975 237 975 500 763 975 500 975Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-72bda862 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"72bda862\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e5020fb elementor-widget elementor-widget-spacer\" data-id=\"1e5020fb\" data-element_type=\"widget\" data-e-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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-276374c e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"276374c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-25b9fccd e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"25b9fccd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-555dde2d e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"555dde2d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b92a7de elementor-widget elementor-widget-heading\" data-id=\"b92a7de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">D\u00e9couvrez les derni\u00e8res tendances, guides et conseils en mati\u00e8re de restauration<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f2edef2 elementor-widget elementor-widget-html\" data-id=\"2f2edef2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script charset=\"utf-8\" type=\"text\/javascript\" src=\"\/\/js.hsforms.net\/forms\/embed\/v2.js\"><\/script>\n<script>\n  hbspt.forms.create({\n    region: \"na1\",\n    portalId: \"8482141\",\n    formId: \"1f07a5de-4958-4b48-a370-e0e1b24a97a3\"\n  });\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-758fc38e e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"758fc38e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-64118f5d e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"64118f5d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Co\u00fbt de l&#8217;assurance restaurant au Canada 11 mars 2024 L&#8217;assurance restaurant permet aux restaurateurs de se prot\u00e9ger contre divers risques li\u00e9s \u00e0 leur activit\u00e9 quotidienne. Ces risques peuvent aller des incidents de responsabilit\u00e9 civile, comme les accidents survenus dans l&#8217;\u00e9tablissement, aux cyberattaques\u00a0; il est donc essentiel pour tout restaurant d&#8217;\u00eatre assur\u00e9. Dans cet article, nous examinerons les types d&#8217;assurance restaurant dont vous pourriez avoir besoin, les variables qui d\u00e9terminent les primes mensuelles et le montant que vous paierez au Canada. &nbsp;Points cl\u00e9s L&#8217;assurance responsabilit\u00e9 civile g\u00e9n\u00e9rale co\u00fbtera aux restaurants 120 $ ou plus par mois. L&#8217;assurance responsabilit\u00e9 civile pour la vente d&#8217;alcool co\u00fbtera aux restaurants 50 $ ou plus par mois. L&#8217;assurance contre les accidents du travail co\u00fbtera aux restaurants 140 $ ou plus par mois. Les restaurants devraient avoir une assurance responsabilit\u00e9 civile d&#8217;au moins 1 million de dollars. La taille du restaurant, son emplacement, la zone de couverture et d&#8217;autres variables d\u00e9termineront les primes. Types d&#8217;assurance pour restaurants Bien que les restaurants prosp\u00e8rent gr\u00e2ce \u00e0 l&#8217;activit\u00e9 sociale et \u00e0 un accueil chaleureux, ils sont expos\u00e9s \u00e0 de nombreux risques pouvant entra\u00eener des blessures et, par la suite, des poursuites judiciaires co\u00fbteuses en l&#8217;absence d&#8217;assurance. Alors, de quelle assurance les restaurants ont-ils besoin\u00a0? Vous trouverez ci-dessous une liste des types d&#8217;assurance les plus courants pour les restaurants. 1. Assurance responsabilit\u00e9 civile g\u00e9n\u00e9rale (RCG) Sans doute la couverture la plus importante pour toute entreprise, l&#8217;assurance responsabilit\u00e9 civile g\u00e9n\u00e9rale (RCG) prot\u00e8ge les restaurants contre les r\u00e9clamations cons\u00e9cutives \u00e0 des accidents survenus dans leurs locaux et ayant entra\u00een\u00e9 des blessures ou des dommages mat\u00e9riels. Ce type d&#8217;assurance est indispensable aux restaurants car il regroupe plusieurs garanties en une seule formule. 2. Assurance responsabilit\u00e9 civile pour la vente d&#8217;alcool Tout restaurant servant de l&#8217;alcool doit souscrire cette assurance afin de se pr\u00e9munir contre les poursuites judiciaires et les frais m\u00e9dicaux en cas de blessure d&#8217;un client en \u00e9tat d&#8217;ivresse. Elle prot\u00e8ge \u00e9galement les employ\u00e9s charg\u00e9s du service de l&#8217;alcool ainsi que les autres clients susceptibles d&#8217;\u00eatre affect\u00e9s physiquement par des personnes ivres. 3. Assurance contre les accidents du travail L&#8217;assurance accidents du travail couvre les frais m\u00e9dicaux et les prestations en cas de blessure, temporaire ou permanente, subie par un employ\u00e9 au travail. L&#8217;assurance responsabilit\u00e9 civile professionnelle prot\u00e8ge les restaurants contre les r\u00e9clamations pour sous-paiement ou sur-horaires. 4. Assurance responsabilit\u00e9 civile alimentaire et produits Il arrive in\u00e9vitablement que des clients tombent malades ou r\u00e9agissent mal aux aliments servis dans un restaurant, m\u00eame lorsque ce dernier a pris les mesures d&#8217;hygi\u00e8ne alimentaire requises. Cette assurance prot\u00e8ge les restaurants contre la diffamation et les poursuites judiciaires. 5. Assurance automobile Les restaurants qui utilisent des voitures, des camionnettes, des motos ou tout autre v\u00e9hicule pour vendre et livrer des repas doivent souscrire une assurance automobile. Celle-ci prot\u00e8ge le v\u00e9hicule contre les frais li\u00e9s aux accidents, aux collisions et aux vols. 6. Assurance du mat\u00e9riel L&#8217;assurance panne d&#8217;\u00e9quipement aide les propri\u00e9taires d&#8217;entreprises \u00e0 couvrir le co\u00fbt des r\u00e9parations co\u00fbteuses ou du remplacement d&#8217;\u00e9quipements essentiels de restaurant comme les fours et les r\u00e9frig\u00e9rateurs commerciaux. 7. Assurance habitation L&#8217;assurance des biens couvre les frais de r\u00e9paration et les dommages caus\u00e9s par un incendie, la fum\u00e9e, une catastrophe naturelle, les intemp\u00e9ries ou un bris. Elle rembourse les propri\u00e9taires d&#8217;entreprise la valeur des stocks perdus, du mat\u00e9riel endommag\u00e9 ou des biens couverts par le contrat. 8. Assurance responsabilit\u00e9 civile cybern\u00e9tique Les syst\u00e8mes de point de vente et de r\u00e9servation en ligne sont essentiels au bon fonctionnement des services de restauration. Les restaurants peuvent renforcer leurs ressources num\u00e9riques gr\u00e2ce \u00e0 une assurance responsabilit\u00e9 civile cyber, les prot\u00e9geant ainsi des attaques, des pertes de donn\u00e9es et des d\u00e9faillances.. Variables qui influencent les primes Les primes d&#8217;assurance pour les restaurants peuvent varier consid\u00e9rablement en fonction de plusieurs facteurs. Ces facteurs diff\u00e8rent d&#8217;un restaurant \u00e0 l&#8217;autre et peuvent entra\u00eener des primes inf\u00e9rieures ou sup\u00e9rieures \u00e0 la moyenne. Emplacement Des facteurs externes, comme le taux de criminalit\u00e9 ou le risque d&#8217;incendies de for\u00eat, peuvent influencer les co\u00fbts. Certaines compagnies d&#8217;assurance h\u00e9sitent \u00e0 prendre en charge les risques croissants de catastrophes naturelles et peuvent majorer les primes d&#8217;assurance. De m\u00eame, les restaurants situ\u00e9s en centre-ville peuvent avoir des primes plus \u00e9lev\u00e9es que ceux situ\u00e9s dans des quartiers r\u00e9sidentiels plus calmes, car la fr\u00e9quentation y est plus importante, augmentant ainsi le risque d&#8217;accidents. Taille du restaurant Les restaurants de grande taille n\u00e9cessiteront une meilleure protection en raison de leur superficie plus importante. Les \u00e9tablissements plus petits poss\u00e8dent g\u00e9n\u00e9ralement moins de biens, de stocks et d&#8217;entr\u00e9es, ce qui r\u00e9duit les risques de cambriolage. Les grands espaces ayant g\u00e9n\u00e9ralement une valeur plus \u00e9lev\u00e9e, les r\u00e9parations et les reconstructions y seront plus co\u00fbteuses. Couverture de responsabilit\u00e9 civile Le montant de votre couverture responsabilit\u00e9 civile d\u00e9terminera \u00e9galement votre prime d&#8217;assurance. Une couverture d&#8217;un million de dollars, par exemple, peut faire grimper votre prime de mani\u00e8re significative par rapport \u00e0 une couverture de cinq millions. Protection contre l&#8217;incendie Les installations modernes de s\u00e9curit\u00e9 incendie, telles que les sprinklers automatiques raccord\u00e9s \u00e0 une alimentation en eau fiable, les alarmes incendie, l&#8217;\u00e9clairage de secours, les d\u00e9tecteurs de fum\u00e9e sans fil et les sorties de secours, pourraient toutes r\u00e9duire vos co\u00fbts d&#8217;assurance puisque vous avez activement cherch\u00e9 \u00e0 minimiser les risques. Actifs d\u00e9tenus Les biens de plus grande valeur, comme les v\u00e9hicules et les ustensiles de cuisine, feront grimper les prix, car le taux de remboursement est plus \u00e9lev\u00e9. Des ann\u00e9es d&#8217;exp\u00e9rience dans le secteur Plusieurs ann\u00e9es d&#8217;activit\u00e9 sans sinistre permettent souvent de r\u00e9duire le co\u00fbt de l&#8217;assurance. Les assureurs consid\u00e8rent ces personnes comme moins risqu\u00e9es et peuvent donc leur appliquer des r\u00e9ductions pour absence de sinistre. Service d&#8217;alcool Les restaurants qui servent de l&#8217;alcool sont plus susceptibles de payer 5 \u00e0 10 % de plus que ceux qui n&#8217;en servent pas, surtout si les \u00e9tablissements se transforment en bars apr\u00e8s les heures d&#8217;ouverture. Co\u00fbt de l&#8217;assurance restaurant Souscrire une assurance responsabilit\u00e9 civile g\u00e9n\u00e9rale devrait \u00eatre un point de d\u00e9part pour tout restaurant. Ce type d&#8217;assurance Cela vous co\u00fbtera 120 $ ou plus par mois,<\/p>\n","protected":false},"author":3,"featured_media":11831,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"taxonomy\/team":[],"class_list":["post-11830","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-general"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Co\u00fbt de l&#039;assurance restaurant au Canada<\/title>\n<meta name=\"description\" content=\"Vous \u00eates restaurateur et recherchez une assurance\u00a0? 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Ces risques peuvent aller des incidents de responsabilit\u00e9 civile, comme les accidents survenus dans l&#8217;\u00e9tablissement, aux cyberattaques\u00a0; il est donc essentiel pour tout restaurant d&#8217;\u00eatre assur\u00e9. 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