{"id":1742,"date":"2021-06-23T13:37:57","date_gmt":"2021-06-23T11:37:57","guid":{"rendered":"https:\/\/apsam.bayiconseil.com\/?page_id=1742"},"modified":"2025-07-18T22:35:36","modified_gmt":"2025-07-18T20:35:36","slug":"assurance-responsabilite-civile","status":"publish","type":"page","link":"https:\/\/apsam.bayiconseil.com\/en\/assurance-responsabilite-civile\/","title":{"rendered":"Civil Liability Insurance"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"1742\" class=\"elementor elementor-1742\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-12f0bce elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"12f0bce\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-11a4a7e1\" data-id=\"11a4a7e1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-29dea16d elementor-widget elementor-widget-heading\" data-id=\"29dea16d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Civil Liability Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2354c1c0 no-margin elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2354c1c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\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 class=\"elementor-element elementor-element-b0e5392 elementor-widget elementor-widget-text-editor\" data-id=\"b0e5392\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tLiability insurance covers damage caused to others by the insured, whether accidentally, unintentionally, or through negligence. Liability insurance can be personal, professional, or activity-related. The goal is to compensate the victim for bodily injury, property damage, or non-material damage suffered.\n<br><strong>Main types of RC:<\/strong>\n<ul>\n \t<li>RC private life: covers damages caused by you, your children, your domestic employees or your animals to third parties.<\/li>\n \t<li>Professional liability insurance: protects businesses, artisans, or liberal professions against faults or errors in the exercise of their activity.<\/li>\n \t<li>RC locative: for damage caused by a tenant in a rented dwelling.<\/li>\n \t<li>School insurance: for damage caused by or suffered by a student.<\/li>\n \t<li>Event organizer's liability insurance: covers incidents during a public or private event.<\/li>\n<\/ul>\n<strong>Concrete examples:\u00a0<\/strong>\n<ul>\n \t<li>Your child breaks the neighbor's window while playing.<\/li>\n \t<li>A company negligently causes a fire in a neighboring building.<\/li>\n \t<li>A customer slips in a poorly maintained store.<\/li>\n<\/ul>\nIt is sometimes included in other contracts (home, auto...) or taken out separately depending on the needs.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c03cae9 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"c03cae9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/apsam.bayiconseil.com\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Subscribe<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-48222f89\" data-id=\"48222f89\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5c96806b elementor-widget elementor-widget-image\" data-id=\"5c96806b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"620\" height=\"700\" src=\"https:\/\/apsam.bayiconseil.com\/wp-content\/uploads\/2025\/07\/Assurances.png\" class=\"attachment-full size-full wp-image-559\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-bacb9ef e-flex e-con-boxed e-con e-parent\" data-id=\"bacb9ef\" 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-70fbb4e elementor-widget elementor-widget-spacer\" data-id=\"70fbb4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\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\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Assurance Responsabilit\u00e9 Civile (RC) L\u2019assurance responsabilit\u00e9 civile couvre les dommages caus\u00e9s \u00e0 autrui par l\u2019assur\u00e9, que ce soit de mani\u00e8re accidentelle, involontaire ou par n\u00e9gligence. Elle peut \u00eatre personnelle, professionnelle ou li\u00e9e \u00e0 une activit\u00e9 sp\u00e9cifique. L\u2019objectif est d\u2019indemniser la victime pour les pr\u00e9judices corporels, mat\u00e9riels ou immat\u00e9riels subis. Principaux types de RC : RC [&hellip;]<\/p>","protected":false},"author":1,"featured_media":987,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"ocean_post_layout":"full-screen","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"0","ocean_second_sidebar":"0","ocean_disable_margins":"on","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"0","ocean_custom_header_template":"0","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"0","ocean_menu_typo_font_family":"0","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"0","ofc_meta_disable_footer_callout":"","ofc_meta_callout_button_url":"","ofc_meta_callout_button_txt":"","ofc_meta_callout_text":"","osh_disable_topbar_sticky":"default","osh_disable_header_sticky":"default","osh_sticky_header_style":"default","osh_sticky_header_effect":"","osh_custom_sticky_logo":0,"osh_custom_retina_sticky_logo":0,"osh_custom_sticky_logo_height":0,"osh_background_color":"","osh_links_color":"","osh_links_hover_color":"","osh_links_active_color":"","osh_links_bg_color":"","osh_links_hover_bg_color":"","osh_links_active_bg_color":"","osh_menu_social_links_color":"","osh_menu_social_hover_links_color":"","footnotes":""},"class_list":["post-1742","page","type-page","status-publish","has-post-thumbnail","hentry","entry","has-media"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Assurance Responsabilit\u00e9 Civile (RC) - APSAM<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/apsam.bayiconseil.com\/en\/assurance-responsabilite-civile\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Assurance Responsabilit\u00e9 Civile (RC) - APSAM\" \/>\n<meta property=\"og:description\" content=\"Assurance Responsabilit\u00e9 Civile (RC) L\u2019assurance responsabilit\u00e9 civile couvre les dommages caus\u00e9s \u00e0 autrui par l\u2019assur\u00e9, que ce soit de mani\u00e8re accidentelle, involontaire ou par n\u00e9gligence. 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