{"id":7797,"date":"2025-11-18T14:38:34","date_gmt":"2025-11-18T14:38:34","guid":{"rendered":"https:\/\/swgins.com\/insuring-hotel-and-motel-properties-for-the-holidays-and-beyond\/"},"modified":"2025-11-18T20:51:49","modified_gmt":"2025-11-18T20:51:49","slug":"assurer-les-hotels-et-motels-en-toute-saison","status":"publish","type":"post","link":"https:\/\/swgins.com\/fr\/assurer-les-hotels-et-motels-en-toute-saison\/","title":{"rendered":"Assurer les h\u00f4tels et motels, en toute saison"},"content":{"rendered":"<p><span data-contrast=\"auto\">Les\u00a0h\u00f4tels\u00a0et motels\u00a0doivent\u00a0prot\u00e9ger\u00a0leurs\u00a0biens\u00a0contre\u00a0les\u00a0temp\u00eates, les\u00a0inondations, les\u00a0litiges, les\u00a0pannes\u00a0d\u2019\u00e9quipement\u00a0ou\u00a0de\u00a0syst\u00e8mes,\u00a0ainsi\u00a0que\u00a0les\u00a0dommages\u00a0caus\u00e9s\u00a0par le vol\u00a0ou\u00a0des accidents\u00a0impr\u00e9vus. Les\u00a0pannes\u00a0de courant\u00a0li\u00e9es\u00a0aux\u00a0intemp\u00e9ries, les blizzards, les\u00a0temp\u00eates\u00a0de verglas et\u00a0autres\u00a0ph\u00e9nom\u00e8nes\u00a0m\u00e9t\u00e9orologiques\u00a0extr\u00eames\u00a0peuvent\u00a0non\u00a0seulement\u00a0endommager\u00a0les\u00a0propri\u00e9t\u00e9s,\u00a0mais\u00a0aussi\u00a0interrompre\u00a0les\u00a0activit\u00e9s. Comme\u00a0ces\u00a0\u00e9tablissements\u00a0d\u00e9pendent\u00a0d\u2019un emplacement physique, tout\u00a0dommage\u00a0caus\u00e9\u00a0par un accident,\u00a0une\u00a0m\u00e9t\u00e9o\u00a0d\u00e9favorable\u00a0ou\u00a0d\u2019autres\u00a0incidents courants\u00a0peut\u00a0entra\u00eener\u00a0des\u00a0pertes\u00a0importantes\u00a0si\u00a0les clients\u00a0annulent\u00a0ou\u00a0si\u00a0les\u00a0op\u00e9rations\u00a0sont\u00a0compromises. Il est\u00a0donc\u00a0judicieux\u00a0pour\u00a0ces\u00a0entreprises\u00a0de se\u00a0pr\u00e9parer\u00a0\u00e0 des conditions\u00a0m\u00e9t\u00e9orologiques\u00a0extr\u00eames\u00a0et \u00e0 des\u00a0\u00e9v\u00e9nements\u00a0catastrophiques,\u00a0m\u00eame\u00a0s\u2019ils\u00a0sont\u00a0rares.<\/span><br \/>\n<span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Pourquoi\u00a0les\u00a0h\u00f4tels\u00a0et motels\u00a0ont\u00a0besoin\u00a0d\u2019une\u00a0assurance des\u00a0biens\u00a0adapt\u00e9e<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Les\u00a0h\u00f4tels\u00a0et motels font face \u00e0 des\u00a0risques\u00a0uniques\u00a0que\u00a0l\u2019assurance\u00a0des\u00a0biens\u00a0standard ne\u00a0couvre\u00a0pas\u00a0toujours\u00a0enti\u00e8rement. Des\u00a0\u00e9v\u00e9nements\u00a0m\u00e9t\u00e9orologiques\u00a0impr\u00e9vus\u00a0et des\u00a0inondations\u00a0aux\u00a0pannes\u00a0d\u2019\u00e9quipement,\u00a0en\u00a0passant par le vol\u00a0ou\u00a0les incidents\u00a0li\u00e9s\u00a0aux clients,\u00a0ces\u00a0\u00e9tablissements\u00a0sont\u00a0expos\u00e9s \u00e0\u00a0une\u00a0multitude de perturbations\u00a0potentielles. Une police\u00a0d\u2019assurance\u00a0sur\u00a0mesure\u00a0garantit\u00a0une\u00a0couverture\u00a0adapt\u00e9e\u00a0aux\u00a0besoins\u00a0op\u00e9rationnels\u00a0et aux\u00a0vuln\u00e9rabilit\u00e9s\u00a0propres\u00a0au\u00a0secteur\u00a0h\u00f4telier.\u00a0Qu\u2019il\u00a0s\u2019agisse\u00a0de se\u00a0prot\u00e9ger\u00a0contre\u00a0les interruptions\u00a0d\u2019activit\u00e9s, les\u00a0dommages\u00a0structurels\u00a0ou\u00a0les\u00a0r\u00e9clamations\u00a0en\u00a0responsabilit\u00e9\u00a0civile,\u00a0une\u00a0assurance\u00a0adapt\u00e9e\u00a0offre\u00a0tranquillit\u00e9\u00a0d\u2019esprit et\u00a0r\u00e9silience\u00a0financi\u00e8re \u2014 surtout\u00a0en\u00a0p\u00e9riode\u00a0de pointe\u00a0ou\u00a0lors\u00a0d\u2019urgences\u00a0impr\u00e9vues.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">SWG\u00a0offre\u00a0une\u00a0couverture\u00a0sp\u00e9cialis\u00e9e\u00a0pour les\u00a0h\u00f4tels\u00a0et motels<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">L\u2019assurance\u00a0des\u00a0biens\u00a0commerciaux\u00a0de SWG est\u00a0con\u00e7ue\u00a0pour\u00a0couvrir\u00a0les\u00a0comptes\u00a0difficiles\u00a0\u00e0 assurer. Nous\u00a0pouvons\u00a0prendre\u00a0en\u00a0charge la\u00a0plupart\u00a0des\u00a0risques\u00a0li\u00e9s\u00a0\u00e0\u00a0l\u2019immobilier,\u00a0qu\u2019il\u00a0s\u2019agisse\u00a0de locations\u00a0autonomes,\u00a0d\u2019immeubles\u00a0vacants\u00a0ou\u00a0de grands\u00a0risques\u00a0commerciaux, avec\u00a0une\u00a0capacit\u00e9\u00a0interne\u00a0allant\u00a0jusqu\u2019\u00e0\u00a0<\/span><b><span data-contrast=\"auto\">8 500 000 $<\/span><\/b><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Faits\u00a0saillants\u00a0de la\u00a0garantie\u00a0:<\/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 aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"10\" 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;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Formule\u00a0\u00e9tendue\u00a0ou\u00a0risques\u00a0d\u00e9sign\u00e9s<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"10\" 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;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">Valeur au jour du\u00a0sinistre\u00a0et\u00a0co\u00fbts\u00a0de\u00a0remplacement<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:720,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240,&quot;335559991&quot;:360}\">\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span data-contrast=\"auto\">Les\u00a0autres\u00a0garanties\u00a0comprennent\u00a0:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"11\" 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;}\" data-aria-posinset=\"8\" data-aria-level=\"1\"><span data-contrast=\"auto\">Perte\u00a0d\u2019exploitation,\u00a0revenus\u00a0locatifs<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"11\" 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;}\" data-aria-posinset=\"9\" data-aria-level=\"1\"><span data-contrast=\"auto\">Inondation, tremblement de terre, refoulement\u00a0d\u2019\u00e9gout<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"11\" 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;}\" data-aria-posinset=\"10\" data-aria-level=\"1\"><span data-contrast=\"auto\">Protection\u00a0contre\u00a0le vol (d\u00e9tournement\u00a0par le personnel,\u00a0formule\u00a0\u00e9tendue\u00a0contre\u00a0la\u00a0perte\u00a0d\u2019argent\u00a0et de\u00a0valeur)<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"11\" 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;}\" data-aria-posinset=\"11\" data-aria-level=\"1\"><span data-contrast=\"auto\">Pannes\u00a0m\u00e9caniques<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"11\" 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;}\" data-aria-posinset=\"12\" data-aria-level=\"1\"><span data-contrast=\"auto\">Cyber<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"11\" 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;}\" data-aria-posinset=\"13\" data-aria-level=\"1\"><span data-contrast=\"auto\">Frais\u00a0juridiques<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:720,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240,&quot;335559991&quot;:360}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"11\" 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;}\" data-aria-posinset=\"14\" data-aria-level=\"1\"><span data-contrast=\"auto\">Responsabilit\u00e9\u00a0de\u00a0l\u2019aubergiste<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:720,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240,&quot;335559991&quot;:360}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Des\u00a0forfaits\u00a0d\u2019extension\u00a0sont\u00a0offerts\u00a0pour\u00a0couvrir\u00a0les\u00a0r\u00e8glements\u00a0municipaux\u00a0applicables\u00a0aux\u00a0b\u00e2timents, les\u00a0\u0153uvres\u00a0d\u2019art, le verre\u00a0ext\u00e9rieur\u00a0des immeubles, les\u00a0dommages\u00a0caus\u00e9s\u00a0par vol, la protection\u00a0contre\u00a0les bris de\u00a0syst\u00e8mes\u00a0et bien plus encore.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Les h\u00f4tels et motels \u00e9voluent dans un environnement o\u00f9 des \u00e9v\u00e9nements impr\u00e9vus peuvent entra\u00eener des pertes financi\u00e8res importantes. Une assurance immobili\u00e8re adapt\u00e9e n\u2019est pas seulement une protection : c\u2019est un investissement strat\u00e9gique qui assure la continuit\u00e9 des activit\u00e9s et la tranquillit\u00e9 d\u2019esprit. Gr\u00e2ce \u00e0 des options de couverture sp\u00e9cialis\u00e9es comme celles offertes par SWG, les entreprises du secteur h\u00f4telier peuvent prot\u00e9ger leurs actifs, r\u00e9duire les risques et rester r\u00e9silientes face \u00e0 l\u2019incertitude.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">*Le\u00a0contenu\u00a0est \u00e0 jour \u00e0 la date de diffusion et\u00a0peut\u00a0\u00eatre\u00a0modifi\u00e9\u00a0sans\u00a0pr\u00e9avis.\u00a0<\/span><br \/>\n<span data-contrast=\"auto\">**La\u00a0garantie\u00a0peut\u00a0varier\u00a0d\u2019une\u00a0province \u00e0\u00a0l\u2019autre.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Prot\u00e9gez h\u00f4tels et motels\u202f avec une assurance biens sur mesure.<\/p>\n","protected":false},"author":1,"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":[98],"class_list":["post-7797","post","type-post","status-publish","format-standard","hentry","category-news-fr","tag-swg-property-fr"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/swgins.com\/fr\/wp-json\/wp\/v2\/posts\/7797","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\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/swgins.com\/fr\/wp-json\/wp\/v2\/comments?post=7797"}],"version-history":[{"count":2,"href":"https:\/\/swgins.com\/fr\/wp-json\/wp\/v2\/posts\/7797\/revisions"}],"predecessor-version":[{"id":7800,"href":"https:\/\/swgins.com\/fr\/wp-json\/wp\/v2\/posts\/7797\/revisions\/7800"}],"wp:attachment":[{"href":"https:\/\/swgins.com\/fr\/wp-json\/wp\/v2\/media?parent=7797"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/swgins.com\/fr\/wp-json\/wp\/v2\/categories?post=7797"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/swgins.com\/fr\/wp-json\/wp\/v2\/tags?post=7797"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}