{"id":7138,"date":"2025-05-02T19:16:52","date_gmt":"2025-05-02T19:16:52","guid":{"rendered":"https:\/\/swgins.com\/why-healthcare-fleets-need-liability-insurance\/"},"modified":"2025-05-21T15:04:08","modified_gmt":"2025-05-21T15:04:08","slug":"pourquoi-les-flottes-de-vehicules-de-soins-de-sante-ont-besoin-dune-police-responsabilite-civile","status":"publish","type":"post","link":"https:\/\/swgins.com\/fr\/pourquoi-les-flottes-de-vehicules-de-soins-de-sante-ont-besoin-dune-police-responsabilite-civile\/","title":{"rendered":"Pourquoi les flottes de v\u00e9hicules de soins de sant\u00e9 ont besoin d&rsquo;une police responsabilit\u00e9 civile"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-7144 \" src=\"https:\/\/swgins.com\/wp-content\/uploads\/2025\/05\/Article-Photo-13-1024x341.png\" alt=\"\" width=\"754\" height=\"251\" \/><\/p>\n<p>&nbsp;<\/p>\n<p><span data-contrast=\"auto\">Dans le secteur de la sant\u00e9, il est primordial d&rsquo;assurer la s\u00e9curit\u00e9 des patients pendant leur transport. C&rsquo;est l\u00e0 que l&rsquo;assurance responsabilit\u00e9 civile pour les v\u00e9hicules des flottes de soins de sant\u00e9 devient cruciale.\u00a0\u00a0\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">\u00a0<\/span><br \/>\n<span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h5><b><span data-contrast=\"auto\">Qu&rsquo;est-ce que l&rsquo;assurance responsabilit\u00e9 civile des parcs automobiles ?<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/h5>\n<p><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">L&rsquo;assurance responsabilit\u00e9 civile est une forme d&rsquo;assurance automobile obligatoire au Canada. Elle couvre les co\u00fbts des blessures et des dommages que l&rsquo;assur\u00e9 cause par inadvertance \u00e0 d&rsquo;autres personnes ou \u00e0 leurs biens (1). Pour les parcs automobiles du secteur de la sant\u00e9, cela signifie une protection contre les r\u00e9clamations potentielles d\u00e9coulant d&rsquo;accidents impliquant des v\u00e9hicules de transport de patients.<\/span><br \/>\n<span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h5><b><span data-contrast=\"auto\">Pourquoi les flottes de v\u00e9hicules de soins de sant\u00e9 ont-elles besoin d&rsquo;une assurance ?<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/h5>\n<p><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">L&rsquo;assurance des flottes est essentielle pour les entreprises qui utilisent plusieurs v\u00e9hicules. Elle offre une garantie compl\u00e8te dans le cadre d&rsquo;une police unique, ce qui simplifie la gestion et permet souvent de r\u00e9aliser des \u00e9conomies. Pour les prestataires de soins de sant\u00e9, l&rsquo;assurance flotte garantit que tous les v\u00e9hicules utilis\u00e9s pour le transport des patients sont couverts de mani\u00e8re ad\u00e9quate, r\u00e9duisant ainsi le risque de pertes financi\u00e8res dues \u00e0 des accidents ou \u00e0 des dommages.<\/span><br \/>\n<span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h5><b><span data-contrast=\"auto\">Diff\u00e9rence entre la police d&rsquo;assurance automobile des entreprises et la police d&rsquo;assurance des v\u00e9hicules de flotte<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/h5>\n<p><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Bien que les polices d&rsquo;assurance automobile commerciale et les polices d&rsquo;assurance pour flotte de v\u00e9hicules couvrent toutes deux les v\u00e9hicules d&rsquo;entreprise, il existe des diff\u00e9rences importantes :<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Assurance automobile commerciale : <\/span><\/b><span data-contrast=\"auto\">Elle couvre g\u00e9n\u00e9ralement les v\u00e9hicules individuels utilis\u00e9s \u00e0 des fins professionnelles. Elle convient aux entreprises disposant d&rsquo;un petit nombre de v\u00e9hicules (g\u00e9n\u00e9ralement de 1 \u00e0 5).\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">L&rsquo;assurance des flottes de v\u00e9hicules :<\/span><\/b><span data-contrast=\"auto\"> Elle couvre plusieurs v\u00e9hicules dans le cadre d&rsquo;une seule police, ce qui permet d&rsquo;am\u00e9liorer l&rsquo;efficacit\u00e9 op\u00e9rationnelle et de r\u00e9aliser des \u00e9conomies potentielles. Elle est id\u00e9ale pour les entreprises disposant d&rsquo;un grand nombre de v\u00e9hicules (1).<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-ccp-props=\"{&quot;335559685&quot;:0}\">\u00a0<\/span><\/p>\n<h5><b><span data-contrast=\"auto\">Faits saillants de l\u2019assurance de SWG<\/span><\/b><span data-ccp-props=\"{&quot;335559685&quot;:0}\">\u00a0<\/span><\/h5>\n<p><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">SWG propose des solutions d&rsquo;assurance sur mesure pour les flottes de soins de sant\u00e9, avec les garanties suivantes :<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">Possibilit\u00e9 de tarification pour les flottes (plus de 5 v\u00e9hicules) et pour les grandes flottes (plus de 25 v\u00e9hicules)<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"5\" data-aria-level=\"1\">Classes acceptables : T<span data-contrast=\"auto\">ransport priv\u00e9 de patients, transport\/transfert non urgent de patients (public et priv\u00e9), repas \u00e0 domicile, cliniques mobiles.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"6\" data-aria-level=\"1\"><span data-contrast=\"auto\">Responsabilit\u00e9 civile jusqu&rsquo;\u00e0 5 millions de dollars<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{&quot;335559685&quot;:720}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Selon des donn\u00e9es r\u00e9centes, pr\u00e8s de la moiti\u00e9 des demandes d&rsquo;indemnisation d\u00e9pos\u00e9es chaque ann\u00e9e au Canada sont des demandes d&rsquo;indemnisation au titre de la responsabilit\u00e9 civile (1). Cela souligne l&rsquo;importance d&rsquo;une couverture solide en mati\u00e8re de responsabilit\u00e9 civile, en particulier pour les flottes de v\u00e9hicules de soins de sant\u00e9 qui transportent des patients vuln\u00e9rables.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">\u00a0\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">L&rsquo;assurance responsabilit\u00e9 civile n&rsquo;est pas seulement une obligation l\u00e9gale, c&rsquo;est aussi un \u00e9l\u00e9ment essentiel de la gestion des risques pour les flottes de v\u00e9hicules de soins de sant\u00e9. En s&rsquo;assurant d&rsquo;une protection exhaustive, les acteurs du secteur de la sant\u00e9 peuvent prot\u00e9ger leurs activit\u00e9s et se concentrer sur la fourniture de soins de qualit\u00e9 aux patients.<\/span><\/p>\n<p><span data-contrast=\"auto\">Sources :<\/span><br \/>\n<span data-contrast=\"auto\">1. <\/span><a href=\"https:\/\/markwideresearch.com\/compulsory-third-party-ctp-insurance-market\/\"><span data-contrast=\"none\">MarkWide Research<\/span><\/a><br \/>\n<span data-contrast=\"auto\">2. <\/span><a href=\"https:\/\/www.hfma.org\/63154\/\"><span data-contrast=\"none\">HFMA<\/span><\/a><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p>***Les couvertures d\u2019assurance peuvent varier selon les provinces.<\/p>\n<p>* Le contenu ci-haut est \u00e0 jour \u00e0 la date de diffusion et peut \u00eatre modifi\u00e9 sans pr\u00e9avis.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>L&rsquo;importance de l&rsquo;assurance responsabilit\u00e9 civile pour les parcs de v\u00e9hicules du secteur de la sant\u00e9 et ses avantages.<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[19],"tags":[],"class_list":["post-7138","post","type-post","status-publish","format-standard","hentry","category-news-fr"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/swgins.com\/fr\/wp-json\/wp\/v2\/posts\/7138","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/swgins.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/swgins.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/swgins.com\/fr\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/swgins.com\/fr\/wp-json\/wp\/v2\/comments?post=7138"}],"version-history":[{"count":5,"href":"https:\/\/swgins.com\/fr\/wp-json\/wp\/v2\/posts\/7138\/revisions"}],"predecessor-version":[{"id":7166,"href":"https:\/\/swgins.com\/fr\/wp-json\/wp\/v2\/posts\/7138\/revisions\/7166"}],"wp:attachment":[{"href":"https:\/\/swgins.com\/fr\/wp-json\/wp\/v2\/media?parent=7138"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/swgins.com\/fr\/wp-json\/wp\/v2\/categories?post=7138"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/swgins.com\/fr\/wp-json\/wp\/v2\/tags?post=7138"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}