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<!DOCTYPE html><html class="no-js" lang="fr"><head><meta charset="utf-8" /><meta content="width=device-width, initial-scale=1.0" name="viewport" /><title>Assurances entreprises - Devis et conseils experts</title><meta content="Assurez votre entreprise (RC professionnelle, cybersécurité, bâtiment, assurance groupe...), conseils de courtiers experts et plateforme avec vision 360" name="description"></meta><link href="https://www.yago.be/fr/entreprise" rel="canonical"></link><meta content="Assurances entreprises - Devis et conseils experts" property="og:title"></meta><meta content="Assurez votre entreprise (RC professionnelle, cybersécurité, bâtiment, assurance groupe...), conseils de courtiers experts et plateforme avec vision 360" property="og:description"></meta><meta content="website" property="og:type"></meta><meta content="https://images.ctfassets.net/j80o2iirl5ls/b7EIsKVlnfFC1yYwtsBYD/d9c5faa0561f6a7e10679f89dc74dc2d/shutterstock_2230974787.jpg?h=600" property="og:image"></meta><meta content="https://www.yago.be/fr/entreprise" property="og:url"></meta><meta content="Yago" property="og:site_name"></meta><link rel="shortcut icon" type="image/x-icon" href="/favicons/favicon.ico" /><link href="/favicons/apple-touch-icon.png" rel="apple-touch-icon" sizes="180x180" /><link href="/favicons/favicon-32x32.png" rel="icon" sizes="32x32" type="image/png" /><link href="/favicons/favicon-16x16.png" rel="icon" sizes="16x16" type="image/png" /><link color="004F4A" href="/favicons/safari-pinned-tab.svg" rel="mask-icon" /><meta content="#ffffff" name="theme-color" /><script>document.addEventListener('turbolinks:load', function(event) { var url = event.data.url; var userId = ""; dataLayer.push({ 'event':'pageView', 'virtualUrl': url }); if (userId) { dataLayer.push({ 'userId': userId }); } }); var containerId = window.location.hostname.includes('yago') ? 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relative z-50 w-full top-0 h-12 hidden lg:block lg:bg-black lg:bg-opacity-10 lg:border-b lg:border-b-white/10 lg:border-opacity-10"><div class="max-w-screen-2lg mx-auto flex h-full flex-col-reverse lg:flex-row justify-start lg:justify-between lg:items-center"><div class="flex flex-wrap text-xs font-medium mt-4 lg:mt-0"><div class="mr-6 flex items-center mb-2 lg:mb-0 lg:mr-20"><img loading="lazy" class="lg:block" src="/vite/assets/star-YUQbf41I.svg" /><img loading="lazy" class="lg:block ml-0.5" src="/vite/assets/star-YUQbf41I.svg" /><img loading="lazy" class="lg:block ml-0.5" src="/vite/assets/star-YUQbf41I.svg" /><img loading="lazy" class="lg:block ml-0.5 mr-0.5" src="/vite/assets/star-YUQbf41I.svg" /><div class="ml-1">Google 4,6/5</div></div><div class="mr-4 flex items-center mb-2 lg:mb-0 lg:mr-8"><img loading="lazy" class="lg:block" src="/vite/assets/shield-EVtpi5nU.svg" /><div class="ml-1">Courtier agréé FSMA</div></div><div class="mr-4 flex items-center mb-2 lg:mb-0 lg:mr-8"><img loading="lazy" class="lg:block" src="/vite/assets/smile-uEyLUtir.svg" /><div class="ml-1">Votre conseiller dédié</div></div><div class="mr-4 flex items-center mb-2 lg:mb-0 lg:mr-8"><img loading="lazy" class="lg:block" src="/vite/assets/thumb-up-uHZrYCwb.svg" /><div class="ml-1">Un espace personnel</div></div></div><div class="flex flex-col lg:flex-row"><div class="my-6 flex lg:my-0 hover:opacity-70 text-xs font-bold tracking-widest">FR<img loading="lazy" class="lg:block ml-2" src="/vite/assets/chevron-down-E_80E2NX.svg" /></div></div></div></div><div class="flex items-center relative max-w-screen-2lg mx-auto px-8 py-4 lg:p-0"><div><span size="w-24 sm:w-28" class="w-24 sm:w-28 flex text-white relative" title="Yago"><svg viewBox="0 0 114 26" fill="none" xmlns="http://www.w3.org/2000/svg"> <title>Yago</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M76.9969 10.227C78.4146 10.0287 79.5096 10.4046 79.7997 10.5077C81.493 11.1164 83.3549 12.7091 82.6377 16.8468C82.3801 18.538 81.7194 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1.23463C32.6974 1.02914 32.5547 0.83208 32.3468 0.788648Z" fill="currentColor"/> </svg> </span><p class="text-center text-sm" style="font-weight: 300">Votre courtier</p></div><div class="flex-grow justify-end font-medium overflow-scroll shadow mt-2 sm:w-96 lg:flex lg:shadow-none lg:overflow-visible lg:space-x-8 lg:mt-0 hidden max-h-screen-3/4"><div class="absolute right-0 px-4 py-3 z-10 lg:hidden"><span class="block fill-none stroke-current stroke-2 w-6 h-6 "><svg viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" xml:space="preserve"><path d="m4 19.999 16-16m0 16-16-16"/></svg></span></div><div class="text-left flex items-center">Assurances<img loading="lazy" class="hidden lg:block ml-2" src="/vite/assets/dropdown-arrow-zlZvfe2h.svg" /></div><div class="my-6">Sinistres</div><div class="my-6">Aide</div><div class="text-left flex items-center">À propos de Yago<img loading="lazy" class="hidden lg:block ml-2" src="/vite/assets/dropdown-arrow-zlZvfe2h.svg" /></div></div><div class="flex-grow text-right ml-4 lg:flex-grow-0 lg:ml-8"><div class="btn-smile btn-smile-sm btn-smile-indigo flex-grow"><img loading="lazy" class="w-6 transform -translate-x-1 mr-1 " width="24" height="24" src="/vite/assets/user-circle-Mt_MRZal.svg" /><div class="flex-grow">My Yago</div></div></div><div class="ml-5 lg:hidden"><span size="w-6" class="block fill-none stroke-current stroke-2 w-6 "><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M2.25 18.003h19.5m-19.5-6h19.5m-19.5-6h19.5" stroke="currentColor" style="fill:none;stroke-linecap:round;stroke-linejoin:round;stroke-width:1.5px"/></svg></span></div></div></div><renderless-smile-navigation class="v-cloak-hidden" v-slot="{ mobileMenuOpen, toggleMobileMenu, connectionMenuOpen, toggleConnectionMenu, handleConnectionMenuClickoutside, scrolled, scrolledPastHero, bannerVisible, hideBanner, secondaryMobileMenuOpen, toggleMobileSecondaryMenu }"><div :class="{ 'pt-12': bannerVisible }"><div :class="mobileMenuOpen ? "inset-0 h-screen max-h-screen overflow-y-scroll flex-col justify-between w-screen" : "flex-col-reverse" " class="fixed top-0 z-20 bg-emerald-900 text-white flex w-full"><div class="w-full z-20 text-center"><div class="w-full transition-colors duration-300 ease-out px-6 py-4 sm:px-8 h-full"><div :class="mobileMenuOpen ? 'h-full items-start' : 'items-center relative'" class="max-w-screen-2lg mx-auto flex"><div :class="mobileMenuOpen ? 'fixed top-0 left-0 bg-emerald-900 w-full px-6 py-7' : 'relative'" class="z-20"><a class="flex" href="/fr"><span size="w-24 sm:w-28" class="w-24 sm:w-28 text-white"><svg viewBox="0 0 114 26" fill="none" xmlns="http://www.w3.org/2000/svg"> <title>Yago</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M76.9969 10.227C78.4146 10.0287 79.5096 10.4046 79.7997 10.5077C81.493 11.1164 83.3549 12.7091 82.6377 16.8468C82.3801 18.538 81.7194 19.6199 81.2466 20.3226C78.991 23.6772 75.143 25.5881 70.5095 25.9505C62.5725 26.5715 55.6628 21.2768 55.0758 14.1242C54.4881 6.9716 60.4463 0.670152 68.3833 0.0491464C71.9338 -0.228945 75.2692 0.688302 77.9339 2.41584C78.1184 2.53576 78.1669 2.78403 78.0461 2.96554L76.1025 5.8936C75.981 6.07704 75.736 6.11918 75.5514 5.99472C73.714 4.75271 71.3475 4.08827 68.7313 4.29247C63.0639 4.73586 59.1708 8.99084 59.5685 13.8331C59.9662 18.6748 64.5035 22.2705 70.1708 21.8265C73.5055 21.5659 76.1948 19.966 77.7884 17.7225C78.5607 16.4734 78.5786 15.8381 78.483 15.0674C78.4239 14.5948 77.9451 14.4515 77.4704 14.5326L72.5029 15.2365C72.2844 15.2677 72.0819 15.1192 72.05 14.9059L71.5294 11.3951C71.4975 11.1819 71.6489 10.9842 71.8674 10.953L76.9969 10.227ZM89.6691 13.0602C89.6691 17.9174 93.8982 21.8554 99.5835 21.8554C105.269 21.8554 109.498 17.9174 109.498 13.0602C109.498 8.20298 105.269 4.26498 99.5835 4.26498C93.8982 4.26498 89.6691 8.20298 89.6691 13.0602ZM87.037 6.61482C89.5124 2.67293 94.1991 0.00804859 99.5835 0.00804859C107.546 0.00804859 114 5.82462 114 13.0005C114 20.1758 107.546 25.9924 99.5835 25.9924C93.5795 25.9924 88.4361 22.6832 86.268 17.979C86.2494 17.938 86.2331 17.896 86.2168 17.8539C86.2024 17.8166 86.188 17.7792 86.1718 17.7423C85.531 16.2722 85.1671 14.6756 85.1671 13.0005C85.1671 11.3249 85.531 9.72892 86.1718 8.25808C86.4194 7.68958 86.7063 7.14053 87.037 6.61482ZM36.6318 15.7104C38.2753 16.5304 40.2248 16.944 42.345 16.778C43.8364 16.6614 45.177 16.251 46.3696 15.6605L41.4871 4.22181L36.6318 15.7104ZM41.4891 0.0134937C42.2301 0.0134937 42.8988 0.22352 43.4094 0.558656C44.1777 0.961207 44.926 1.76372 45.6956 3.41152L55.2528 24.5711C55.3697 24.8284 55.1758 25.1188 54.8869 25.1188H50.6658C50.5044 25.1188 50.3584 25.0235 50.2966 24.8783L48.0482 19.6011C46.4373 20.3012 44.6379 20.7491 42.6837 20.9021C39.928 21.1179 37.3051 20.6071 35.0216 19.5628L32.6703 24.8829C32.6072 25.0261 32.4631 25.1188 32.3038 25.1188H28.0766C27.7885 25.1188 27.5952 24.8297 27.7108 24.5717L37.2128 3.40504C38.084 1.54008 38.9386 0.74016 39.8277 0.40308C40.2979 0.159346 40.8689 0.0134937 41.4891 0.0134937ZM32.3468 0.788648L29.8242 0.262285H29.8249C29.4823 0.181904 29.1357 0.10995 28.7857 0.0457756C28.5765 0.00817823 28.368 0.138473 28.3149 0.339424L28.202 0.935796C28.1423 1.30464 28.0686 1.73118 27.9869 2.13956C26.8116 7.6936 22.2299 11.8397 16.3308 11.8397C10.4908 11.8397 5.9376 7.77852 4.70651 2.3094L4.7012 2.31718C4.63812 2.00797 4.4668 0.972746 4.37318 0.39582L4.3672 0.367298C4.3174 0.179311 4.13147 0.0587402 3.93692 0.0742978L0.324671 0.82819C0.116834 0.870973 -0.0259293 1.06868 0.00395144 1.27417C0.192532 2.57517 0.505283 3.83274 0.945526 5.02484C0.963755 5.0737 0.980116 5.12369 0.99648 5.17369C1.01528 5.23114 1.03409 5.28861 1.05575 5.34441C3.27556 11.0216 8.21849 15.1729 14.1495 16.0065V24.755C14.1495 24.9702 14.3288 25.1453 14.5492 25.1453H18.2558C18.4769 25.1453 18.6562 24.9702 18.6562 24.755V15.991C25.8733 14.9078 31.5885 8.88505 32.6689 1.23463C32.6974 1.02914 32.5547 0.83208 32.3468 0.788648Z" fill="currentColor"/> </svg> </span></a><p class="text-center text-sm" style="font-weight: 300">Votre courtier</p></div><template><div :class="mobileMenuOpen ? 'bock' : 'hidden'" class="flex-grow font-medium shadow mt-2 lg:max-h-screen-3/4 lg:flex lg:justify-end lg:shadow-none lg:overflow-visible lg:space-x-4 lg:space-x-8 lg:mt-0"><div :class="mobileMenuOpen ? 'fixed top-6 right-6 z-50' : 'hidden'" @click="toggleMobileMenu" class="z-10"><span class="block fill-none stroke-current stroke-2 w-6 h-6 "><svg viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" xml:space="preserve"><path d="m4 19.999 16-16m0 16-16-16"/></svg></span></div><insurance-sub-nav :secondary-mobile-menu-open="secondaryMobileMenuOpen" custom-classes="text-left px-6 py-4 lg:bg-white lg:rounded-lg lg:shadow lg:p-8" menu-key="insurances"><div :class="{ 'font-gellix font-semibold text-3xl' : mobileMenuOpen, 'hidden' : secondaryMobileMenuOpen }" @click="toggleMobileSecondaryMenu" class="text-left flex mt-12 py-5 lg:my-0 lg:mt-0 lg:py-0 hover:opacity-70 border-b border-b-emerald-100/10 border-opacity-10 lg:border-b-0">Assurances<img loading="lazy" class="hidden lg:block ml-2" src="/vite/assets/dropdown-arrow-zlZvfe2h.svg" /><img loading="lazy" class="lg:hidden ml-3 mt-1 w-5" src="/vite/assets/arrow-next-J0L3eiDs.svg" /></div><template slot="dropdown"><div :class="{ 'hidden' : !secondaryMobileMenuOpen}" @click="toggleMobileSecondaryMenu" class="text-left flex py-5 font-gellix font-semibold text-3xl"><img loading="lazy" class="lg:hidden mr-2 mt-1 w-6" src="/vite/assets/arrow-previous-vtkDjx2H.svg" />Assurances</div><insurances-sub-menu type="business"></insurances-sub-menu></template></insurance-sub-nav><a :class="{ 'font-gellix font-semibold text-3xl' : mobileMenuOpen, 'hidden' : secondaryMobileMenuOpen }" class="block text-left py-5 lg:my-0 lg:py-0 hover:opacity-70 border-b border-b-emerald-100/10 border-opacity-10 lg:border-b-0" href="/fr/sinistre">Sinistres</a><a :class="{ 'font-gellix font-semibold text-3xl' : mobileMenuOpen, 'hidden' : secondaryMobileMenuOpen }" class="block text-left py-5 lg:my-0 lg:py-0 hover:opacity-70 border-b border-b-emerald-100/10 border-opacity-10 lg:border-b-0" href="/fr/help">Aide</a><generic-sub-nav-recast :secondary-mobile-menu-open="secondaryMobileMenuOpen" custom-classes="bg-gray-100 text-left mt-3 px-6 py-4 lg:w-80 lg:bg-white lg:rounded-lg lg:shadow lg:py-6" menu-key="about"><div :class="{ 'font-gellix font-semibold text-3xl' : mobileMenuOpen, 'hidden' : secondaryMobileMenuOpen }" @click="toggleMobileSecondaryMenu" class="text-left flex py-5 lg:my-0 lg:py-0 hover:opacity-70 border-b border-b-emerald-100/10 border-opacity-10 lg:border-b-0">À propos de Yago<img loading="lazy" class="hidden lg:block ml-2" src="/vite/assets/dropdown-arrow-zlZvfe2h.svg" /><img loading="lazy" class="lg:hidden ml-3 mt-1 w-5" src="/vite/assets/arrow-next-J0L3eiDs.svg" /></div><template slot="dropdown"><div :class="{ 'hidden' : !secondaryMobileMenuOpen}" @click="toggleMobileSecondaryMenu" class="text-left flex py-5 font-gellix font-semibold text-3xl"><img loading="lazy" class="lg:hidden mr-2 mt-1 w-6" src="/vite/assets/arrow-previous-vtkDjx2H.svg" />À propos de Yago</div><a class="block text-left lg:text-center border-b border-b-emerald-100/10 border-opacity-10 lg:border-0 lg:hover:bg-emerald-100 lg:text-emerald-900 py-4 lg:rounded-lg lg:px-8 lg:py-3" data-purpose="contact_link" href="/fr/contactez-nous">Contact</a><a class="block text-left lg:text-center border-b border-b-emerald-100/10 border-opacity-10 lg:border-0 lg:hover:bg-emerald-100 lg:text-emerald-900 py-4 lg:rounded-lg lg:px-8 lg:py-3" data-purpose="who_we_are_link" href="/fr/notre-equipe">Qui sommes-nous ?</a><a class="block text-left lg:text-center border-b border-b-emerald-100/10 border-opacity-10 lg:border-0 lg:hover:bg-emerald-100 lg:text-emerald-900 py-4 lg:rounded-lg lg:px-8 lg:py-3" data-purpose="referral_link" href="https://www.yago.be/fr/help/parrainage">Parrainage</a><a class="block text-left lg:text-center border-b border-b-emerald-100/10 border-opacity-10 lg:border-0 lg:hover:bg-emerald-100 lg:text-emerald-900 py-4 lg:rounded-lg lg:px-8 lg:py-3" data-purpose="become_partner_link" href="/fr/devenir-partenaire">Devenir partenaire</a><a class="block text-left lg:text-center border-b border-b-emerald-100/10 border-opacity-10 lg:border-0 lg:hover:bg-emerald-100 lg:text-emerald-900 py-4 lg:rounded-lg lg:px-8 lg:py-3" data-purpose="press_path" href="/fr/presse">Presse</a><a class="block text-left lg:text-center lg:hover:bg-emerald-100 lg:text-emerald-900 py-4 lg:rounded-lg lg:px-8 lg:py-3" data-purpose="jobs_link" href="/fr/emplois">Rejoignez-nous, on recrute !</a><a class="block text-left lg:text-center lg:hover:bg-emerald-100 lg:text-emerald-900 py-4 lg:rounded-lg lg:px-8 lg:py-3" data-purpose="jdiscover_my_yago_link" href="/fr/help/my-yago">Découvrir l’espace My Yago</a></template></generic-sub-nav-recast></div><div :class="mobileMenuOpen ? 'fixed top-4 right-16 z-50' : 'relative'" class="flex-grow text-right ml-4 lg:flex-grow-0 lg:ml-8"><a class="btn-smile btn-smile-sm btn-smile-indigo" data-purpose="login_link" href="https://my.yago.be/fr/connexion"><img loading="lazy" class="w-6 transform -translate-x-1 mr-1 " width="24" height="24" src="/vite/assets/user-circle-Mt_MRZal.svg" /><div class="flex-grow">My Yago</div></a></div><div :class="connectionMenuOpen ? 'block absolute top-12 right-0 bg-white text-emerald-900 w-full rounded-lg shadow font-medium mt-2 sm:w-80 lg:top-16 lg:-mt-2 lg:py-6' : 'hidden'" class="px-6 py-4" v-clickoutside="handleConnectionMenuClickoutside"><div @click="toggleConnectionMenu" class="absolute right-0 px-4 py-3 z-20 lg:hidden text-opacity-70"><span class="block fill-none stroke-current stroke-2 w-6 h-6 "><svg viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" xml:space="preserve"><path d="m4 19.999 16-16m0 16-16-16"/></svg></span></div><a class="block rounded-lg py-3 px-8 hover:bg-emerald-100" data-purpose="my_contracts_link" data-turbolinks="false" href="https://my.yago.be/fr/mes-assurances">Mon espace perso</a><a class="block rounded-lg py-3 px-8 hover:bg-emerald-100" data-turbolinks="false" href="https://my.yago.be/fr/mon-compte">Mon compte</a><form class="button_to" method="post" action="/fr/users/sign_out"><input type="hidden" name="_method" value="delete" autocomplete="off" /><button class="block w-full font-medium rounded-lg py-3 px-8 hover:bg-emerald-100" data-purpose="logout_button" type="submit">Déconnexion</button><input type="hidden" name="authenticity_token" value="bsMDhAjirQmc+O0Z/jaJoSPjtkY59vhJZzOc8zHpRiR7UVzxnWzpCBHuApIR9LzEniZNb+x7t+heg0wKsTJjDg==" autocomplete="off" /></form></div><div :class="mobileMenuOpen ? 'hidden' : 'lg:hidden'" @click="toggleMobileMenu" class="ml-5 text-white"><span size="w-6" class="block fill-none stroke-current stroke-2 w-6 "><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M2.25 18.003h19.5m-19.5-6h19.5m-19.5-6h19.5" stroke="currentColor" style="fill:none;stroke-linecap:round;stroke-linejoin:round;stroke-width:1.5px"/></svg></span></div></template></div></div></div><div :class="mobileMenuOpen ? "block px-6 pb-6": "hidden lg:block lg:top-0 lg:h-12 lg:bg-black lg:bg-opacity-10 lg:border-b lg:border-b-white/10 lg:border-opacity-10" " class="w-full relative z-50 w-full"><div class="max-w-screen-2lg mx-auto flex h-full flex-col-reverse lg:flex-row justify-start lg:justify-between lg:items-center"><yago-reliability></yago-reliability><div class="flex flex-col lg:flex-row"><select-page-type page-type="business"></select-page-type><generic-sub-nav :narrow="true" custom-classes="bg-gray-100 text-left mt-3 p-2 lg:px-6 lg:py-4 lg:bg-white lg:rounded-lg lg:shadow lg:px-3 lg:py-6 absolute -top-6 rounded"><div class="my-6 flex lg:my-0 hover:opacity-70 text-xs font-bold tracking-widest">FR<img loading="lazy" class="lg:block ml-2" src="/vite/assets/chevron-down-E_80E2NX.svg" /></div><template slot="dropdown"><a class="rounded-lg px-6 py-3 hover:bg-emerald-100 text-emerald-900" href="/nl/onderneming">NL</a></template></generic-sub-nav></div></div></div></div></div></renderless-smile-navigation><script type="application/javascript">if (document.documentElement.dataset.staticScroll === undefined) { document.documentElement.dataset.staticScroll = 0; function updateStaticScrollDataset() { document.documentElement.dataset.staticScroll = window.scrollY; }; document.addEventListener('scroll', updateStaticScrollDataset); };</script><header class="max-w-screen bg-emerald-100" data-purpose="slice_hero" id="hero"><div class="smile-container mt-6 lg:mt-16 -mb-10 lg:-mb-20 "><div class="hidden relative w-0 lg:block lg:w-full"><div class="w-full absolute flex flex-col items-center -mt-10"><span size="w-72" class="w-72 text-indigo-500 z-10 transform translate-x-12 xl:translate-x-32"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 282 120"><path fill="currentColor" fill-rule="evenodd" d="M39.843.169a10.236 10.236 0 0 1 11.294 6.133c15.584 37.219 49.323 61.091 89.031 61.564l1.204.006 1.188-.006c38.712-.456 71.728-23.19 87.802-58.964l.487-1.099a10.245 10.245 0 0 1 10.872-6.074l.345.056 31.452 5.693c6.391 1.151 10.182 7.891 7.728 13.916-19.919 48.952-60.928 84.784-109.873 95.341l-1.486.312-5.264.938a130.24 130.24 0 0 1-44.427.208l-1.336-.232-10.313-1.845-.183-.043C60.029 104.572 19.913 68.462.707 19.72-1.608 13.829 1.995 7.318 8.125 5.987l.325-.065L39.843.169z"/></svg></span><span size="w-72" class="w-72 text-emerald-200 transform scale-150 translate-x-12 xl:translate-x-32"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 282 120"><path fill="currentColor" fill-rule="evenodd" d="M39.843.169a10.236 10.236 0 0 1 11.294 6.133c15.584 37.219 49.323 61.091 89.031 61.564l1.204.006 1.188-.006c38.712-.456 71.728-23.19 87.802-58.964l.487-1.099a10.245 10.245 0 0 1 10.872-6.074l.345.056 31.452 5.693c6.391 1.151 10.182 7.891 7.728 13.916-19.919 48.952-60.928 84.784-109.873 95.341l-1.486.312-5.264.938a130.24 130.24 0 0 1-44.427.208l-1.336-.232-10.313-1.845-.183-.043C60.029 104.572 19.913 68.462.707 19.72-1.608 13.829 1.995 7.318 8.125 5.987l.325-.065L39.843.169z"/></svg></span></div></div><div class="grid gap-x-6 lg:grid-cols-12"><div class="z-10 self-center lg:col-span-6 xl:col-span-7"><div class="grid grid-cols-1 overflow-x-hidden lg:overflow-visible"><h1 class="pb-1 lg:mt-4 smile-heading-2-bold max-w-xl lg:max-w-2xl " style="text-shadow: 2px 10px 30px rgba(0, 0, 0, 0.1);">Simplifiez la gestion des assurances de votre entreprise</h1></div><div class="flex flex-wrap items-center max-w-4xl mx-auto transform mt-4 smile-heading-3-semibold lg:mt-10">Yago, courtier expert en gestion des risques des entreprises</div><div class="mt-8"><ul class="space-y-5 z-10"><li class="flex items-start"><span size="w-8" class="block w-8 mt-1 mr-3 flex-shrink-0" unstyled="true"><svg xmlns="http://www.w3.org/2000/svg" width="34" height="32" viewBox="0 0 34 32"> <g fill="none" fill-rule="evenodd"> <circle cx="16" cy="16" r="16" fill="#FFAD3D"/> <polyline stroke="#02504B" stroke-linecap="round" stroke-linejoin="round" stroke-width="3" points="32 4 15.5 22 8 13.818"/> </g> </svg> </span><div class="text-lg">Des assurances adaptées à la taille de votre entreprise</div></li><li class="flex items-start"><span size="w-8" class="block w-8 mt-1 mr-3 flex-shrink-0" unstyled="true"><svg xmlns="http://www.w3.org/2000/svg" width="34" height="32" viewBox="0 0 34 32"> <g fill="none" fill-rule="evenodd"> <circle cx="16" cy="16" r="16" fill="#FFAD3D"/> <polyline stroke="#02504B" stroke-linecap="round" stroke-linejoin="round" stroke-width="3" points="32 4 15.5 22 8 13.818"/> </g> </svg> </span><div class="text-lg">Un account manager dédié</div></li><li class="flex items-start"><span size="w-8" class="block w-8 mt-1 mr-3 flex-shrink-0" unstyled="true"><svg xmlns="http://www.w3.org/2000/svg" width="34" height="32" viewBox="0 0 34 32"> <g fill="none" fill-rule="evenodd"> <circle cx="16" cy="16" r="16" fill="#FFAD3D"/> <polyline stroke="#02504B" stroke-linecap="round" stroke-linejoin="round" stroke-width="3" points="32 4 15.5 22 8 13.818"/> </g> </svg> </span><div class="text-lg">Une plateforme digitale pour gérer tous vos contrats</div></li></ul></div><div class="mt-6 lg:mt-8 lg:min-w-screen-md"><a class="btn-smile btn-smile-indigo w-full md:w-auto" data-purpose="hero_cta_button" href="https://yago-entreprise.paperform.co/" target="_blank">Rencontrer un conseiller</a><a class="btn-smile btn-smile-emerald-200 w-full mt-4 md:w-auto md:mt-0 md:ml-4" data-purpose="hero_cta_button" href="https://seraphin.typeform.com/inde-entreprise" target="_blank">Recevoir mon devis</a></div><div class="my-6 flex items-center lg:items-start xl:items-end"><div><div class="font-gellix text-4xl font-bold text-right lg:text-6xl">97%</div><div class="flex mt-2 md:hidden"><img loading="lazy" class="star-rating w-6 h-6 max-w-none" src="/vite/assets/star-full-NW4V-xMj.svg" /><img loading="lazy" class="star-rating w-6 h-6 max-w-none" src="/vite/assets/star-full-NW4V-xMj.svg" /><img loading="lazy" class="star-rating w-6 h-6 max-w-none" src="/vite/assets/star-full-NW4V-xMj.svg" /><img loading="lazy" class="star-rating w-6 h-6 max-w-none" src="/vite/assets/star-full-NW4V-xMj.svg" /><img loading="lazy" class="star-rating w-6 h-6 max-w-none" src="/vite/assets/star-half-x5J_yJhh.svg" /></div></div><div class="ml-4"><div class="hidden md:flex"><img loading="lazy" class="star-rating w-6 h-6 max-w-none" src="/vite/assets/star-full-NW4V-xMj.svg" /><img loading="lazy" class="star-rating w-6 h-6 max-w-none" src="/vite/assets/star-full-NW4V-xMj.svg" /><img loading="lazy" class="star-rating w-6 h-6 max-w-none" src="/vite/assets/star-full-NW4V-xMj.svg" /><img loading="lazy" class="star-rating w-6 h-6 max-w-none" src="/vite/assets/star-full-NW4V-xMj.svg" /><img loading="lazy" class="star-rating w-6 h-6 max-w-none" src="/vite/assets/star-half-x5J_yJhh.svg" /></div><div class="text-left">de nos clients nous recommandent après avoir eu un sinistre en 2024</div></div></div></div><div class="hidden w-0 h-0 lg:block lg:col-span-6 xl:col-span-5 lg:w-auto lg:h-auto"><img alt="Simplifiez la gestion des assurances de votre entreprise" class="w-full h-full max-full transform mt-4 object-cover rounded-xl" data-purpose="slice_hero_image" height="100%" loading="lazy" src="https://images.ctfassets.net/j80o2iirl5ls/b7EIsKVlnfFC1yYwtsBYD/d9c5faa0561f6a7e10679f89dc74dc2d/shutterstock_2230974787.jpg?h=600" width="100%" /></div></div></div></header><section class="bg-emerald-100"><div class="mx-auto py-10 lg:py-20 lg:px-8 xl:px-0 "><div class="grid grid grid-cols-3 gap-12 p-8 md:p-0 md:flex items-center flex-row md:ml-4 justify-left sm:justify-center md:gap-8 sm:gap-auto overflow-x-scroll-invisible-scrollbar"><img class="m-auto md:flex-col sm:flex-row justify-center md:space-y-12 sm:space-x-12 sm:space-y-0 md:mx-8 sm:pb-10 lg:pb-0" loading="lazy" alt="" width="100%" height="100%" style="max-width:110px" src="https://images.ctfassets.net/j80o2iirl5ls/1ZCYN0U3fsFxRIPdrj9Dxm/47f6c5d855509d2427c5cae0f6e9edf8/Baloise-300-dpi__1_-removebg-preview.png?h=225" /><img class="m-auto md:flex-col sm:flex-row justify-center md:space-y-12 sm:space-x-12 sm:space-y-0 md:mx-8 sm:pb-10 lg:pb-0" loading="lazy" alt="" width="100%" height="100%" style="max-width:110px" src="https://images.ctfassets.net/j80o2iirl5ls/Hb9PfBjtQCJTWSxVoAoXB/34e5ef801c4ef8e26d71720c9bca8a98/logo_ag.png?h=225" /><img class="m-auto md:flex-col sm:flex-row justify-center md:space-y-12 sm:space-x-12 sm:space-y-0 md:mx-8 sm:pb-10 lg:pb-0" loading="lazy" alt="" width="100%" height="100%" style="max-width:110px" src="https://images.ctfassets.net/j80o2iirl5ls/avELSzQDP5jkqpKFDFdW9/3fdb5d51d2117b266fba0047d900b227/vivium-removebg-preview_NEW.png?h=225" /><img class="m-auto md:flex-col sm:flex-row justify-center md:space-y-12 sm:space-x-12 sm:space-y-0 md:mx-8 sm:pb-10 lg:pb-0" loading="lazy" alt="" width="100%" height="100%" style="max-width:110px" src="https://images.ctfassets.net/j80o2iirl5ls/6t19f1XgN9PaqyJyk37G9R/94109c69796a08d36698fce09bb2d329/logo_axa_fin.png?h=225" /><img class="m-auto md:flex-col sm:flex-row justify-center md:space-y-12 sm:space-x-12 sm:space-y-0 md:mx-8 sm:pb-10 lg:pb-0" loading="lazy" alt="" width="100%" height="100%" style="max-width:110px" src="https://images.ctfassets.net/j80o2iirl5ls/0SZub2MHmHc4BOO4gvKCu/e2fd6a25c3734c1d6db67036ea122f08/allianz-1256b102a198f61e365b245b02b2bdd2.png?h=225" /><img class="m-auto md:flex-col sm:flex-row justify-center md:space-y-12 sm:space-x-12 sm:space-y-0 md:mx-8 sm:pb-10 lg:pb-0" loading="lazy" alt="" width="100%" height="100%" style="max-width:110px" src="https://images.ctfassets.net/j80o2iirl5ls/4n81RHO071Jnhbg1QDyuBa/76c63173717badf1117cffd196b20458/DKV_logo-removebg-preview.png?h=225" /></div></div></section><section class="bg-emerald-900 text-white"><div class="smile-container"><h2 class="smile-heading-2-semibold text-center max-w-4xl mx-auto overflow-hidden pb-2 mb-6 lg:mb-14">Vous protéger, notre métier. </h2><div class="grid grid-cols-1 relative lg:grid-cols-2 lg:gap-6"><div class="hidden absolute z-0 self-center w-full h-6 justify-between lg:flex"><span size="w-64" class="w-64 text-transparent transform rotate-90 -translate-x-12 xl:-translate-x-24"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 282 120"><path fill="currentColor" fill-rule="evenodd" d="M39.843.169a10.236 10.236 0 0 1 11.294 6.133c15.584 37.219 49.323 61.091 89.031 61.564l1.204.006 1.188-.006c38.712-.456 71.728-23.19 87.802-58.964l.487-1.099a10.245 10.245 0 0 1 10.872-6.074l.345.056 31.452 5.693c6.391 1.151 10.182 7.891 7.728 13.916-19.919 48.952-60.928 84.784-109.873 95.341l-1.486.312-5.264.938a130.24 130.24 0 0 1-44.427.208l-1.336-.232-10.313-1.845-.183-.043C60.029 104.572 19.913 68.462.707 19.72-1.608 13.829 1.995 7.318 8.125 5.987l.325-.065L39.843.169z"/></svg></span><span size="w-64" class="w-64 text-transparent transform -rotate-90 translate-x-12 xl:translate-x-24"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 282 120"><path fill="currentColor" fill-rule="evenodd" d="M39.843.169a10.236 10.236 0 0 1 11.294 6.133c15.584 37.219 49.323 61.091 89.031 61.564l1.204.006 1.188-.006c38.712-.456 71.728-23.19 87.802-58.964l.487-1.099a10.245 10.245 0 0 1 10.872-6.074l.345.056 31.452 5.693c6.391 1.151 10.182 7.891 7.728 13.916-19.919 48.952-60.928 84.784-109.873 95.341l-1.486.312-5.264.938a130.24 130.24 0 0 1-44.427.208l-1.336-.232-10.313-1.845-.183-.043C60.029 104.572 19.913 68.462.707 19.72-1.608 13.829 1.995 7.318 8.125 5.987l.325-.065L39.843.169z"/></svg></span></div><img alt="Tanguy et Hugues Bocquet prenant la pose en costumes" class="w-full rounded-lg h-56 sm:h-72 md:h-80 lg:h-full object-cover object-top sm:object-center-half-top lg:max-w-lg lg:max-h-60 self-center " height="100%" loading="lazy" src="https://images.ctfassets.net/j80o2iirl5ls/j3q7d0Q2URpNAMbEBljU5/383b05c98d5aec0a39dc0e44be2f84f0/Capture_d-_cran_2024-07-12_100219.png?h=600" width="100%" /><div class="space-y-5 mt-4 lg:space-y-6 lg:flex lg:flex-col lg:justify-center lg:mt-0"><div class="smile-heading-3-semibold text-center lg:text-left">Votre conseiller 100% à vos côtés :</div><ul class="space-y-5 z-10"><li class="flex items-start"><span size="w-8" class="block w-8 mt-1 mr-3 flex-shrink-0" unstyled="true"><svg xmlns="http://www.w3.org/2000/svg" width="34" height="32" viewBox="0 0 34 32"> <g fill="none" fill-rule="evenodd"> <circle cx="16" cy="16" r="16" fill="#FFAD3D"/> <polyline stroke="#02504B" stroke-linecap="round" stroke-linejoin="round" stroke-width="3" points="32 4 15.5 22 8 13.818"/> </g> </svg> </span><div class="text-lg"><b>Accessibilité</b>. Par chat, vidéo, email ou téléphone, dans vos bureaux ou chez Yago à Etterbeek</div></li><li class="flex items-start"><span size="w-8" class="block w-8 mt-1 mr-3 flex-shrink-0" unstyled="true"><svg xmlns="http://www.w3.org/2000/svg" width="34" height="32" viewBox="0 0 34 32"> <g fill="none" fill-rule="evenodd"> <circle cx="16" cy="16" r="16" fill="#FFAD3D"/> <polyline stroke="#02504B" stroke-linecap="round" stroke-linejoin="round" stroke-width="3" points="32 4 15.5 22 8 13.818"/> </g> </svg> </span><div class="text-lg"><b>Efficacité</b>. Présence sur place pour vous défendre en cas de sinistre lié à votre bâtiment ou entreprise</div></li><li class="flex items-start"><span size="w-8" class="block w-8 mt-1 mr-3 flex-shrink-0" unstyled="true"><svg xmlns="http://www.w3.org/2000/svg" width="34" height="32" viewBox="0 0 34 32"> <g fill="none" fill-rule="evenodd"> <circle cx="16" cy="16" r="16" fill="#FFAD3D"/> <polyline stroke="#02504B" stroke-linecap="round" stroke-linejoin="round" stroke-width="3" points="32 4 15.5 22 8 13.818"/> </g> </svg> </span><div class="text-lg"><b>Rapidité</b>. Réponse à toutes vos questions en 4h à 8h ouvrables parce que la disponibilité est clé pour les clients entreprise</div></li></ul><div class="lg:min-w-screen-md"><a class="btn-smile btn-smile-indigo w-full md:w-auto" href="https://yago-entreprise.paperform.co/" target="_blank">Prendre rendez-vous</a></div></div></div></div></section><section class="bg-white" data-purpose="slice_seo_content"><div class="smile-container"><div class="text-center mb-10 lg:mb-20"><h2 class="smile-heading-2-semibold max-w-4xl mx-auto overflow-hidden pb-2">Des assurances entreprise adaptées à vos besoins</h2></div><div class="grid gap-6"><div class="overflow-hidden md:col-span-12 xl:col-start-6"><div class="seo-content"><div class="content-table"><table><thead> <tr> <th>🎯 VOTRE<BR>ACTIVITÉ</th> <th>🏢 VOS LOCAUX<BR>& MATÉRIELS</th> <th>👩‍💼 VOS<BR>EMPLOYÉS</th> <th>🚙 VOTRE<BR>MOBILITÉ</th> <th>💡DIRIGEANTS</th> </tr> </thead><tbody> <tr> <td><a href="https://www.yago.be/fr/entreprise/responsabilite-civile-exploitation" target="_blank">RC exploitation</a></td> <td><a href="https://www.yago.be/fr/entreprise/assurance-batiment" target="_blank">Bâtiment & contenu</a></td> <td><a href="https://www.yago.be/fr/entreprise/accidents-du-travail" target="_blank">Accidents du travail</a></td> <td><a href="https://www.yago.be/fr/entreprise/assurance-parc-automobile" target="_blank">Voitures & flottes</a></td> <td><a href="https://www.yago.be/fr/independant/rc-administrateur" target="_blank">RC administrateurs</a></td> </tr> <tr> <td><a href="https://www.yago.be/fr/entreprise/responsabilite-civile-professionnelle" target="_blank">RC professionnelle</a></td> <td><a href="https://www.yago.be/fr/entreprise/assurance-bris-de-machine" target="_blank">Bris de machine</a></td> <td><a href="https://www.yago.be/fr/entreprise/assurance-sante" target="_blank">Assurance santé</a></td> <td><a href="https://www.yago.be/fr/independant/assurance-auto/utilitaires-pour-professionnels" target="_blank">Camion, camionnette</a></td> <td><a href="https://www.yago.be/fr/assurance-vie/independant" target="_blank">Pension</a></td> </tr> <tr> <td><a href="https://www.yago.be/fr/entreprise/assurance-rc-decennale" target="_blank">RC décennale</a></td> <td><a href="https://www.yago.be/fr/entreprise/assurance-biens-transportes" target="_blank">Biens transportés & CMR</a></td> <td><a href="https://www.yago.be/fr/assurance-vie/assurance-groupe" target="_blank">Assurance groupe</a></td> <td>Vélos</td> <td></td> </tr> <tr> <td><a href="https://www.yago.be/fr/entreprise/assurance-protection-juridique" target="_blank">Protection juridique</a></td> <td><a href="https://www.yago.be/fr/entreprise/assurance-tous-risques-chantiers" target="_blank">Tous risques chantier</a></td> <td></td> <td></td> <td></td> </tr> <tr> <td><a href="https://www.yago.be/fr/entreprise/assurance-cyber-securite" target="_blank">Assurance Cyber</a></td> <td></td> <td></td> <td></td> <td></td> </tr> </tbody></table></div> </div></div></div></div></section><div class="bg-white"><div class="smile-container"><div class="bg-emerald-900 rounded-lg shadow-emerald-light text-center text-white -mx-2 p-8 sm:p-10 sm:-mx-4 md:-mx-2"><h2 class="smile-heading-2-semibold">Réservez votre audit gratuit d'assurance</h2><h3 class="smile-heading-4 mt-4">Nous auditons vos contrats existants et identifions les optimisations possibles. Vous découvrez aussi les facilités de la plateforme Yago.</h3><a class="btn-smile btn-smile-indigo -mx-2 mt-8 sm:w-full md:w-auto md:mx-auto" href="https://seraphin.typeform.com/inde-entreprise" target="_blank"><span class="-mx-6 md:mx-auto">Recevoir mon audit d'assurance</span></a></div></div></div><section class="overflow-hidden"><div class="smile-container text-center lg:-mb-8"><h2 class="smile-heading-2-semibold">Vos assurances entreprise avec Yago,<br>c'est si facile</h2><div class="smile-heading-4 max-w-3xl mx-auto mt-4">Tout va bien ! Notre équipe juridique s’occupe de vous et défend votre dossier auprès des compagnies d’assurance.</div><div class="bg-teal-500 rounded-lg shadow-teal-light text-white mt-6 p-4 lg:inline-block lg:px-8 lg:py-2">Ce n’est pas pour rien que<span class='carousel-text-highlight'>plus de 600 entreprises sont déjà convaincues</span> !</div></div><renderless-carousel :disable-opacity-on-mobile="true" class="relative overflow-x-scroll-invisible-scrollbar max-w-screen-2lg mx-auto px-6 pb-4 sm:px-8 xl:px-0 lg:flex lg:justify-center lg:items-center lg:overflow-x-visible" v-slot="{ handleClickLeft, handleClickRight, isInitialPosition, isLastPosition }"><div class="hidden absolute w-full z-10 lg:flex lg:justify-between"><div :class="isInitialPosition ? 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'opacity-0' : 'opacity-100 cursor-pointer'" @click="handleClickRight" class="mr-5 transition-opacity duration-500 xl:-mr-2"><span class="block fill-none stroke-current stroke-2 w-6 h-6 bg-indigo-500 hover:bg-indigo-600 transition duration-150 ease-in-out rounded-full text-white w-12 h-12 p-3"><svg viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" xml:space="preserve"><path d="m10.08 4 7.623 7.623a.535.535 0 0 1 0 .754L10.08 20"/></svg></span></div></div><div class="flex w-full transition-transform duration-500 pb-12" ref="container"><div class="flex-shrink-0 w-64 transition-opacity duration-700 px-3 first:pl-0 lg:first:pl-3 lg:w-1/3 lg:max-w-1/3"><div class="rounded-lg w-full h-full text-left p-8 bg-emerald-900 text-white shadow-emerald-bottom"><div class="flex justify-between"><div class="rounded-full font-semibold text-center font-gellix text-2xl inline-block self-start px-4 py-2 lg:text-xl xl:text-2xl bg-white text-emerald-900"><span size="w-20" class="w-20 block py-2"><svg viewBox="0 0 114 26" fill="none" xmlns="http://www.w3.org/2000/svg"> <title>Yago</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M76.9969 10.227C78.4146 10.0287 79.5096 10.4046 79.7997 10.5077C81.493 11.1164 83.3549 12.7091 82.6377 16.8468C82.3801 18.538 81.7194 19.6199 81.2466 20.3226C78.991 23.6772 75.143 25.5881 70.5095 25.9505C62.5725 26.5715 55.6628 21.2768 55.0758 14.1242C54.4881 6.9716 60.4463 0.670152 68.3833 0.0491464C71.9338 -0.228945 75.2692 0.688302 77.9339 2.41584C78.1184 2.53576 78.1669 2.78403 78.0461 2.96554L76.1025 5.8936C75.981 6.07704 75.736 6.11918 75.5514 5.99472C73.714 4.75271 71.3475 4.08827 68.7313 4.29247C63.0639 4.73586 59.1708 8.99084 59.5685 13.8331C59.9662 18.6748 64.5035 22.2705 70.1708 21.8265C73.5055 21.5659 76.1948 19.966 77.7884 17.7225C78.5607 16.4734 78.5786 15.8381 78.483 15.0674C78.4239 14.5948 77.9451 14.4515 77.4704 14.5326L72.5029 15.2365C72.2844 15.2677 72.0819 15.1192 72.05 14.9059L71.5294 11.3951C71.4975 11.1819 71.6489 10.9842 71.8674 10.953L76.9969 10.227ZM89.6691 13.0602C89.6691 17.9174 93.8982 21.8554 99.5835 21.8554C105.269 21.8554 109.498 17.9174 109.498 13.0602C109.498 8.20298 105.269 4.26498 99.5835 4.26498C93.8982 4.26498 89.6691 8.20298 89.6691 13.0602ZM87.037 6.61482C89.5124 2.67293 94.1991 0.00804859 99.5835 0.00804859C107.546 0.00804859 114 5.82462 114 13.0005C114 20.1758 107.546 25.9924 99.5835 25.9924C93.5795 25.9924 88.4361 22.6832 86.268 17.979C86.2494 17.938 86.2331 17.896 86.2168 17.8539C86.2024 17.8166 86.188 17.7792 86.1718 17.7423C85.531 16.2722 85.1671 14.6756 85.1671 13.0005C85.1671 11.3249 85.531 9.72892 86.1718 8.25808C86.4194 7.68958 86.7063 7.14053 87.037 6.61482ZM36.6318 15.7104C38.2753 16.5304 40.2248 16.944 42.345 16.778C43.8364 16.6614 45.177 16.251 46.3696 15.6605L41.4871 4.22181L36.6318 15.7104ZM41.4891 0.0134937C42.2301 0.0134937 42.8988 0.22352 43.4094 0.558656C44.1777 0.961207 44.926 1.76372 45.6956 3.41152L55.2528 24.5711C55.3697 24.8284 55.1758 25.1188 54.8869 25.1188H50.6658C50.5044 25.1188 50.3584 25.0235 50.2966 24.8783L48.0482 19.6011C46.4373 20.3012 44.6379 20.7491 42.6837 20.9021C39.928 21.1179 37.3051 20.6071 35.0216 19.5628L32.6703 24.8829C32.6072 25.0261 32.4631 25.1188 32.3038 25.1188H28.0766C27.7885 25.1188 27.5952 24.8297 27.7108 24.5717L37.2128 3.40504C38.084 1.54008 38.9386 0.74016 39.8277 0.40308C40.2979 0.159346 40.8689 0.0134937 41.4891 0.0134937ZM32.3468 0.788648L29.8242 0.262285H29.8249C29.4823 0.181904 29.1357 0.10995 28.7857 0.0457756C28.5765 0.00817823 28.368 0.138473 28.3149 0.339424L28.202 0.935796C28.1423 1.30464 28.0686 1.73118 27.9869 2.13956C26.8116 7.6936 22.2299 11.8397 16.3308 11.8397C10.4908 11.8397 5.9376 7.77852 4.70651 2.3094L4.7012 2.31718C4.63812 2.00797 4.4668 0.972746 4.37318 0.39582L4.3672 0.367298C4.3174 0.179311 4.13147 0.0587402 3.93692 0.0742978L0.324671 0.82819C0.116834 0.870973 -0.0259293 1.06868 0.00395144 1.27417C0.192532 2.57517 0.505283 3.83274 0.945526 5.02484C0.963755 5.0737 0.980116 5.12369 0.99648 5.17369C1.01528 5.23114 1.03409 5.28861 1.05575 5.34441C3.27556 11.0216 8.21849 15.1729 14.1495 16.0065V24.755C14.1495 24.9702 14.3288 25.1453 14.5492 25.1453H18.2558C18.4769 25.1453 18.6562 24.9702 18.6562 24.755V15.991C25.8733 14.9078 31.5885 8.88505 32.6689 1.23463C32.6974 1.02914 32.5547 0.83208 32.3468 0.788648Z" fill="currentColor"/> </svg> </span></div></div><div class="smile-heading-3-semibold mt-4 xl:text-3xl">La solution pour votre entreprise</div><div class="leading-snug mt-4">Un courtier à vos côtés, toujours disponible. Une plateforme simple et unique pour toutes vos demandes. Des juristes et experts disponibles en cas de sinistres.</div></div></div><div class="flex-shrink-0 w-64 transition-opacity duration-700 px-3 first:pl-0 lg:first:pl-3 lg:w-1/3 lg:max-w-1/3"><div class="rounded-lg w-full h-full text-left p-8 bg-white text-emerald-900 shadow-emerald-bottom"><div class="bg-orange-500 rounded-full text-emerald-900 font-semibold text-center font-gellix text-2xl w-12 h-12 p-2">1</div><div class="smile-heading-3-semibold mt-4 xl:text-3xl">Rencontre</div><div class="leading-snug mt-4">Rencontrez votre conseiller Yago pour exprimer vos besoins, et vérifier que Yago répond à vos attentes. Nous auditons vos contrats d'assurance.</div></div></div><div class="flex-shrink-0 w-64 transition-opacity duration-700 px-3 first:pl-0 lg:first:pl-3 lg:w-1/3 lg:max-w-1/3"><div class="rounded-lg w-full h-full text-left p-8 bg-white text-emerald-900 shadow-emerald-bottom"><div class="bg-orange-500 rounded-full text-emerald-900 font-semibold text-center font-gellix text-2xl w-12 h-12 p-2">2</div><div class="smile-heading-3-semibold mt-4 xl:text-3xl">Offre personnalisée</div><div class="leading-snug mt-4">Yago vous soumet un devis. Votre conseiller vous explique tout et répond à vos questions.</div></div></div><div class="flex-shrink-0 w-64 transition-opacity duration-700 px-3 first:pl-0 lg:first:pl-3 lg:w-1/3 lg:max-w-1/3"><div class="rounded-lg w-full h-full text-left p-8 bg-white text-emerald-900 shadow-emerald-bottom"><div class="bg-orange-500 rounded-full text-emerald-900 font-semibold text-center font-gellix text-2xl w-12 h-12 p-2">3</div><div class="smile-heading-3-semibold mt-4 xl:text-3xl">Signature</div><div class="leading-snug mt-4">Nous résilions vos anciens contrats. Vous devenez client. Vous bénéficiez d'un support permanent et de votre espace digital dédié.</div></div></div><div class="flex-shrink-0 w-64 transition-opacity duration-700 px-3 first:pl-0 lg:first:pl-3 lg:w-1/3 lg:max-w-1/3"><div class="rounded-lg w-full h-full text-left p-8 bg-white text-emerald-900 shadow-emerald-bottom"><div class="bg-orange-500 rounded-full text-emerald-900 font-semibold text-center font-gellix text-2xl w-12 h-12 p-2">4</div><div class="smile-heading-3-semibold mt-4 xl:text-3xl">Sérénité assurée</div><div class="leading-snug mt-4">Vous faites grandir votre entreprise. Yago gère vos éventuels sinistres. Régulièrement, votre conseiller fait le point sur vos besoins en assurance.</div></div></div></div></renderless-carousel><div class="smile-container text-center -mt-10 lg:-mt-20 "><a class="btn-smile btn-smile-indigo" href="https://yago-entreprise.paperform.co/" target="_blank">Prendre rendez-vous</a></div></section><section class="bg-emerald-900 text-white"><div class="smile-container"><div class="grid grid-cols-1 relative lg:grid-cols-2 lg:gap-6"><div class="hidden absolute z-0 self-center w-full h-6 justify-between lg:flex"><span size="w-64" class="w-64 text-transparent transform rotate-90 -translate-x-12 xl:-translate-x-24"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 282 120"><path fill="currentColor" fill-rule="evenodd" d="M39.843.169a10.236 10.236 0 0 1 11.294 6.133c15.584 37.219 49.323 61.091 89.031 61.564l1.204.006 1.188-.006c38.712-.456 71.728-23.19 87.802-58.964l.487-1.099a10.245 10.245 0 0 1 10.872-6.074l.345.056 31.452 5.693c6.391 1.151 10.182 7.891 7.728 13.916-19.919 48.952-60.928 84.784-109.873 95.341l-1.486.312-5.264.938a130.24 130.24 0 0 1-44.427.208l-1.336-.232-10.313-1.845-.183-.043C60.029 104.572 19.913 68.462.707 19.72-1.608 13.829 1.995 7.318 8.125 5.987l.325-.065L39.843.169z"/></svg></span><span size="w-64" class="w-64 text-transparent transform -rotate-90 translate-x-12 xl:translate-x-24"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 282 120"><path fill="currentColor" fill-rule="evenodd" d="M39.843.169a10.236 10.236 0 0 1 11.294 6.133c15.584 37.219 49.323 61.091 89.031 61.564l1.204.006 1.188-.006c38.712-.456 71.728-23.19 87.802-58.964l.487-1.099a10.245 10.245 0 0 1 10.872-6.074l.345.056 31.452 5.693c6.391 1.151 10.182 7.891 7.728 13.916-19.919 48.952-60.928 84.784-109.873 95.341l-1.486.312-5.264.938a130.24 130.24 0 0 1-44.427.208l-1.336-.232-10.313-1.845-.183-.043C60.029 104.572 19.913 68.462.707 19.72-1.608 13.829 1.995 7.318 8.125 5.987l.325-.065L39.843.169z"/></svg></span></div><img alt="" class="w-full rounded-lg h-56 sm:h-72 md:h-80 lg:h-full object-cover object-top sm:object-center-half-top lg:max-w-md xl:max-w-2md lg:max-h-144 " height="100%" loading="lazy" src="https://downloads.ctfassets.net/j80o2iirl5ls/4lddk4JRjRVrqPFw7PzUi/5cbc4bc97427db9f8bb438689aeceb91/espace_client__1_.gif?h=600" width="100%" /><div class="space-y-5 mt-4 lg:space-y-6 lg:flex lg:flex-col lg:justify-center lg:mt-0"><h2 class="smile-heading-2-semibold"><br>Libérez vous de la paperasse</h2><div class="text-lg space-y-5">Avec My Yago, fini l'administratif et la gestion complexe de vos assurances. Vous exercez en toute tranquillité, Yago est là pour vous faciliter la vie.<br><br> Grâce à cette application, vous allez pouvoir : </div><ul class="space-y-5 z-10"><li class="flex items-start"><span size="w-8" class="block w-8 mt-1 mr-3 flex-shrink-0" unstyled="true"><svg xmlns="http://www.w3.org/2000/svg" width="34" height="32" viewBox="0 0 34 32"> <g fill="none" fill-rule="evenodd"> <circle cx="16" cy="16" r="16" fill="#5C87FF"/> <polyline stroke="#FFFFFF" stroke-linecap="round" stroke-linejoin="round" stroke-width="3" points="32 4 15.5 22 8 13.818"/> </g> </svg> </span><div class="text-lg"><b>Gérer votre compte</b></div></li><li class="flex items-start"><span size="w-8" class="block w-8 mt-1 mr-3 flex-shrink-0" unstyled="true"><svg xmlns="http://www.w3.org/2000/svg" width="34" height="32" viewBox="0 0 34 32"> <g fill="none" fill-rule="evenodd"> <circle cx="16" cy="16" r="16" fill="#5C87FF"/> <polyline stroke="#FFFFFF" stroke-linecap="round" stroke-linejoin="round" stroke-width="3" points="32 4 15.5 22 8 13.818"/> </g> </svg> </span><div class="text-lg"><b>Consulter et souscrire à des contrats</b></div></li><li class="flex items-start"><span size="w-8" class="block w-8 mt-1 mr-3 flex-shrink-0" unstyled="true"><svg xmlns="http://www.w3.org/2000/svg" width="34" height="32" viewBox="0 0 34 32"> <g fill="none" fill-rule="evenodd"> <circle cx="16" cy="16" r="16" fill="#5C87FF"/> <polyline stroke="#FFFFFF" stroke-linecap="round" stroke-linejoin="round" stroke-width="3" points="32 4 15.5 22 8 13.818"/> </g> </svg> </span><div class="text-lg"><b>Prendre contact directement avec votre conseiller</b></div></li><li class="flex items-start"><span size="w-8" class="block w-8 mt-1 mr-3 flex-shrink-0" unstyled="true"><svg xmlns="http://www.w3.org/2000/svg" width="34" height="32" viewBox="0 0 34 32"> <g fill="none" fill-rule="evenodd"> <circle cx="16" cy="16" r="16" fill="#5C87FF"/> <polyline stroke="#FFFFFF" stroke-linecap="round" stroke-linejoin="round" stroke-width="3" points="32 4 15.5 22 8 13.818"/> </g> </svg> </span><div class="text-lg"><b>Déclarer et suivre vos sinistres en temps réel</b></div></li></ul></div></div></div></section><section class="bg-white text-emerald-900"><div class="smile-container"><div class="grid grid-cols-1 relative lg:grid-cols-2 lg:gap-6"><div class="hidden absolute z-0 self-center w-full h-6 justify-between lg:flex"><span size="w-64" class="w-64 text-teal-500 transform rotate-90 -translate-x-12 xl:-translate-x-24"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 282 120"><path fill="currentColor" fill-rule="evenodd" d="M39.843.169a10.236 10.236 0 0 1 11.294 6.133c15.584 37.219 49.323 61.091 89.031 61.564l1.204.006 1.188-.006c38.712-.456 71.728-23.19 87.802-58.964l.487-1.099a10.245 10.245 0 0 1 10.872-6.074l.345.056 31.452 5.693c6.391 1.151 10.182 7.891 7.728 13.916-19.919 48.952-60.928 84.784-109.873 95.341l-1.486.312-5.264.938a130.24 130.24 0 0 1-44.427.208l-1.336-.232-10.313-1.845-.183-.043C60.029 104.572 19.913 68.462.707 19.72-1.608 13.829 1.995 7.318 8.125 5.987l.325-.065L39.843.169z"/></svg></span><span size="w-64" class="w-64 text-emerald-100 transform -rotate-90 translate-x-12 xl:translate-x-24"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 282 120"><path fill="currentColor" fill-rule="evenodd" d="M39.843.169a10.236 10.236 0 0 1 11.294 6.133c15.584 37.219 49.323 61.091 89.031 61.564l1.204.006 1.188-.006c38.712-.456 71.728-23.19 87.802-58.964l.487-1.099a10.245 10.245 0 0 1 10.872-6.074l.345.056 31.452 5.693c6.391 1.151 10.182 7.891 7.728 13.916-19.919 48.952-60.928 84.784-109.873 95.341l-1.486.312-5.264.938a130.24 130.24 0 0 1-44.427.208l-1.336-.232-10.313-1.845-.183-.043C60.029 104.572 19.913 68.462.707 19.72-1.608 13.829 1.995 7.318 8.125 5.987l.325-.065L39.843.169z"/></svg></span></div><img alt="" class="w-full rounded-lg h-56 sm:h-72 md:h-80 lg:h-full object-cover object-top sm:object-center-half-top lg:max-w-md xl:max-w-2md lg:max-h-144 " height="100%" loading="lazy" src="https://images.ctfassets.net/j80o2iirl5ls/2YghHnYRPPkdNhGDoWEsnJ/2845ef6ddc85ca62013929923c6f7a39/24_25_Yago_banniere_1_1_04_V2_NEW.jpg?h=600" width="100%" /><div class="space-y-5 mt-4 lg:space-y-6 lg:flex lg:flex-col lg:justify-center lg:mt-0"><h2 class="smile-heading-2-semibold">Comment optimiser la rémunération de vos employés ?</h2><div class="smile-heading-3-semibold text-left lg:text-left">Dans ce premier white paper, vous trouverez :</div><ul class="space-y-5 z-10"><li class="flex items-start"><span size="w-8" class="block w-8 mt-1 mr-3 flex-shrink-0" unstyled="true"><svg xmlns="http://www.w3.org/2000/svg" width="34" height="32" viewBox="0 0 34 32"> <g fill="none" fill-rule="evenodd"> <circle cx="16" cy="16" r="16" fill="#5C87FF"/> <polyline stroke="#FFFFFF" stroke-linecap="round" stroke-linejoin="round" stroke-width="3" points="32 4 15.5 22 8 13.818"/> </g> </svg> </span><div class="text-lg">Les défis RH en <b>2024</b></div></li><li class="flex items-start"><span size="w-8" class="block w-8 mt-1 mr-3 flex-shrink-0" unstyled="true"><svg xmlns="http://www.w3.org/2000/svg" width="34" height="32" viewBox="0 0 34 32"> <g fill="none" fill-rule="evenodd"> <circle cx="16" cy="16" r="16" fill="#5C87FF"/> <polyline stroke="#FFFFFF" stroke-linecap="round" stroke-linejoin="round" stroke-width="3" points="32 4 15.5 22 8 13.818"/> </g> </svg> </span><div class="text-lg">Les <b>3 indispensables</b> pour optimiser la rémunération de vos employés</div></li><li class="flex items-start"><span size="w-8" class="block w-8 mt-1 mr-3 flex-shrink-0" unstyled="true"><svg xmlns="http://www.w3.org/2000/svg" width="34" height="32" viewBox="0 0 34 32"> <g fill="none" fill-rule="evenodd"> <circle cx="16" cy="16" r="16" fill="#5C87FF"/> <polyline stroke="#FFFFFF" stroke-linecap="round" stroke-linejoin="round" stroke-width="3" points="32 4 15.5 22 8 13.818"/> </g> </svg> </span><div class="text-lg">Les <b>5 conseils</b> pour bien choisir votre courtier</div></li></ul><div class="lg:min-w-screen-md"><a class="btn-smile btn-smile-indigo w-full md:w-auto" href="https://www.yago.be/fr/entreprise/comment-optimiser-la-remuneration-de-vos-employes?" target="_blank">Je reçois le white paper</a></div></div></div></div></section><section class="bg-emerald-100 text-emerald-900"><div class="smile-container"><div class="grid grid-cols-1 relative lg:grid-cols-2 lg:gap-6"><div class="hidden absolute z-0 self-center w-full h-6 justify-between lg:flex"><span size="w-64" class="w-64 text-transparent transform rotate-90 -translate-x-12 xl:-translate-x-24"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 282 120"><path fill="currentColor" fill-rule="evenodd" d="M39.843.169a10.236 10.236 0 0 1 11.294 6.133c15.584 37.219 49.323 61.091 89.031 61.564l1.204.006 1.188-.006c38.712-.456 71.728-23.19 87.802-58.964l.487-1.099a10.245 10.245 0 0 1 10.872-6.074l.345.056 31.452 5.693c6.391 1.151 10.182 7.891 7.728 13.916-19.919 48.952-60.928 84.784-109.873 95.341l-1.486.312-5.264.938a130.24 130.24 0 0 1-44.427.208l-1.336-.232-10.313-1.845-.183-.043C60.029 104.572 19.913 68.462.707 19.72-1.608 13.829 1.995 7.318 8.125 5.987l.325-.065L39.843.169z"/></svg></span><span size="w-64" class="w-64 text-transparent transform -rotate-90 translate-x-12 xl:translate-x-24"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 282 120"><path fill="currentColor" fill-rule="evenodd" d="M39.843.169a10.236 10.236 0 0 1 11.294 6.133c15.584 37.219 49.323 61.091 89.031 61.564l1.204.006 1.188-.006c38.712-.456 71.728-23.19 87.802-58.964l.487-1.099a10.245 10.245 0 0 1 10.872-6.074l.345.056 31.452 5.693c6.391 1.151 10.182 7.891 7.728 13.916-19.919 48.952-60.928 84.784-109.873 95.341l-1.486.312-5.264.938a130.24 130.24 0 0 1-44.427.208l-1.336-.232-10.313-1.845-.183-.043C60.029 104.572 19.913 68.462.707 19.72-1.608 13.829 1.995 7.318 8.125 5.987l.325-.065L39.843.169z"/></svg></span></div><img alt="" class="w-full rounded-lg h-56 sm:h-72 md:h-80 lg:h-full object-cover object-top sm:object-center-half-top lg:max-w-md xl:max-w-2md lg:max-h-144 lg:order-2 lg:justify-self-end" height="100%" loading="lazy" src="https://images.ctfassets.net/j80o2iirl5ls/egd5Ve27EAoLhxnhqTDvO/5640778d04c77cbf86e99f402172db12/digitalisee_24_25_Yago_banniere_1_1_01_V2_NEW_upscayl_2x_realesrgan-x4plus.png?h=600" width="100%" /><div class="space-y-5 mt-4 lg:space-y-6 lg:flex lg:flex-col lg:justify-center lg:mt-0"><h2 class="smile-heading-2-semibold">15+ conseils pour assurer une entreprise digitalisée</h2><div class="smile-heading-3-semibold text-left lg:text-left">Dans ce second white paper, vous trouverez :</div><ul class="space-y-5 z-10"><li class="flex items-start"><span size="w-8" class="block w-8 mt-1 mr-3 flex-shrink-0" unstyled="true"><svg xmlns="http://www.w3.org/2000/svg" width="34" height="32" viewBox="0 0 34 32"> <g fill="none" fill-rule="evenodd"> <circle cx="16" cy="16" r="16" fill="#5C87FF"/> <polyline stroke="#FFFFFF" stroke-linecap="round" stroke-linejoin="round" stroke-width="3" points="32 4 15.5 22 8 13.818"/> </g> </svg> </span><div class="text-lg"><b>Les clés</b> pour remporter <b>la guerre des talents dans le secteur du digital</b></div></li><li class="flex items-start"><span size="w-8" class="block w-8 mt-1 mr-3 flex-shrink-0" unstyled="true"><svg xmlns="http://www.w3.org/2000/svg" width="34" height="32" viewBox="0 0 34 32"> <g fill="none" fill-rule="evenodd"> <circle cx="16" cy="16" r="16" fill="#5C87FF"/> <polyline stroke="#FFFFFF" stroke-linecap="round" stroke-linejoin="round" stroke-width="3" points="32 4 15.5 22 8 13.818"/> </g> </svg> </span><div class="text-lg"><b>Les risques et couvertures</b> associées pour <b>une entreprise digitalisée</b></div></li><li class="flex items-start"><span size="w-8" class="block w-8 mt-1 mr-3 flex-shrink-0" unstyled="true"><svg xmlns="http://www.w3.org/2000/svg" width="34" height="32" viewBox="0 0 34 32"> <g fill="none" fill-rule="evenodd"> <circle cx="16" cy="16" r="16" fill="#5C87FF"/> <polyline stroke="#FFFFFF" stroke-linecap="round" stroke-linejoin="round" stroke-width="3" points="32 4 15.5 22 8 13.818"/> </g> </svg> </span><div class="text-lg"><b>Les 5 conseils</b> pour bien choisir votre courtier</div></li></ul><div class="lg:min-w-screen-md"><a class="btn-smile btn-smile-indigo w-full md:w-auto" href="https://www.yago.be/fr/entreprise/proteger-mon-activite-et-mon-entreprise-digitalisee?" target="_blank">Je reçois le white paper</a></div></div></div></div></section><section class="bg-white" data-purpose="slice_seo_content"><div class="smile-container"><div class="text-center mb-10 lg:mb-20"><h2 class="smile-heading-2-semibold max-w-4xl mx-auto overflow-hidden pb-2">Plus d'information sur les assurances pour entreprises</h2></div><div class="grid gap-6 md:grid-cols-12 lg:gap-10"><div class="hidden md:block md:col-span-5 xl:col-span-4"><div class="bg-emerald-100 sticky top-24 rounded-lg px-4 py-6"><renderless-table-of-contents initial-raw-data="[{"value":"Pourquoi souscrire à des assurances entreprise ?","id":""},{"value":"Il y a 5 types d'assurances pour les entreprises","id":""},{"value":"Les assurances obligatoires pour votre entreprise","id":""},{"value":"Les assurances essentielles pour votre entreprise","id":""},{"value":"Le pack complet d'un entrepreneur bien couvert","id":""}]" v-slot="{ isCurrentSection, scrollToSection }"><ul><li><div :class="isCurrentSection('') ? 'bg-white rounded shadow' : ''" @click="scrollToSection($event, '')" class="cursor-pointer flex items-center px-4 py-5"><div :class="isCurrentSection('') ? 'bg-orange-500' : 'bg-emerald-200'" class="font-bold rounded-full h-10 w-10 inline-flex items-center justify-center flex-shrink-0">1</div><div :class="isCurrentSection('') ? 'font-semibold' : ''" class="leading-tight ml-5">Pourquoi souscrire à des assurances entreprise ?</div></div></li><li><div :class="isCurrentSection('') ? 'bg-white rounded shadow' : ''" @click="scrollToSection($event, '')" class="cursor-pointer flex items-center px-4 py-5"><div :class="isCurrentSection('') ? 'bg-orange-500' : 'bg-emerald-200'" class="font-bold rounded-full h-10 w-10 inline-flex items-center justify-center flex-shrink-0">2</div><div :class="isCurrentSection('') ? 'font-semibold' : ''" class="leading-tight ml-5">Il y a 5 types d'assurances pour les entreprises</div></div></li><li><div :class="isCurrentSection('') ? 'bg-white rounded shadow' : ''" @click="scrollToSection($event, '')" class="cursor-pointer flex items-center px-4 py-5"><div :class="isCurrentSection('') ? 'bg-orange-500' : 'bg-emerald-200'" class="font-bold rounded-full h-10 w-10 inline-flex items-center justify-center flex-shrink-0">3</div><div :class="isCurrentSection('') ? 'font-semibold' : ''" class="leading-tight ml-5">Les assurances obligatoires pour votre entreprise</div></div></li><li><div :class="isCurrentSection('') ? 'bg-white rounded shadow' : ''" @click="scrollToSection($event, '')" class="cursor-pointer flex items-center px-4 py-5"><div :class="isCurrentSection('') ? 'bg-orange-500' : 'bg-emerald-200'" class="font-bold rounded-full h-10 w-10 inline-flex items-center justify-center flex-shrink-0">4</div><div :class="isCurrentSection('') ? 'font-semibold' : ''" class="leading-tight ml-5">Les assurances essentielles pour votre entreprise</div></div></li><li><div :class="isCurrentSection('') ? 'bg-white rounded shadow' : ''" @click="scrollToSection($event, '')" class="cursor-pointer flex items-center px-4 py-5"><div :class="isCurrentSection('') ? 'bg-orange-500' : 'bg-emerald-200'" class="font-bold rounded-full h-10 w-10 inline-flex items-center justify-center flex-shrink-0">5</div><div :class="isCurrentSection('') ? 'font-semibold' : ''" class="leading-tight ml-5">Le pack complet d'un entrepreneur bien couvert</div></div></li></ul></renderless-table-of-contents><div class="lg:px-4"><a class="btn-smile btn-smile-indigo w-full mb-4 mt-10" data-purpose="slice_seo_content_cta" href="https://yago-entreprise.paperform.co/" target="_blank">Rencontrer un conseiller</a></div></div></div><div class="overflow-hidden md:col-span-12 xl:col-start-6"><div class="seo-content"><p>Vous êtes chef d'entreprise ? Faites face aux imprévus avec un package complet d'assurances pour votre entreprise ! Découvrez les assurances obligatoires et essentielles dans cet article.</p> <h2>Pourquoi souscrire à des assurances entreprise ?</h2> <p>Dès le début des activités d’une entreprise, il est recommandé de l’assurer pour faire face aux risques, aux imprévus et aux erreurs humaines. Les assurances pour PME ou grandes entreprises permettent de vous protéger face aux risques de la vie quotidienne de votre entreprise, par exemple :</p> <ul><li><p><b>Dommages causés à votre entreprise : </b>un incendie se déclenche dans vos bureaux et vous perdez tout votre matériel.</p></li><li><p><b>Dommages que votre entreprise cause aux tiers </b>: vous avez une entreprise de construction et pendant des travaux chez un client, vous causez l’éboulement d’un mur. Le client est blessé par l’effondrement du mur.</p></li></ul> <p>Ces risques peuvent avoir un coût très élevé que votre entreprise ne serait pas capable de supporter. Pour <b>garantir la pérennité de votre entreprise</b>, vous devez souscrire à différents types d’assurances. Certaines sont obligatoires ou essentielles et d’autres, moins importantes, permettent d’assurer votre tranquillité d’esprit au maximum !</p> <h2>Il y a 5 types d'assurances pour les entreprises</h2> <div><div class="comparator-table mt-16 mb-16"><div class="desktop-comparator-table hidden lg:block"><table class="w-full smile-container"><thead class="bg-emerald-900 text-white h-16"><tr class="c-table__row"><th class="c-table__cell c-table__cell--head border border-solid">Responsabilité</th><th class="c-table__cell c-table__cell--head border border-solid">Biens</th><th class="c-table__cell c-table__cell--head border border-solid">Personnes</th><th class="c-table__cell c-table__cell--head border border-solid">Mobilité</th><th class="c-table__cell c-table__cell--head border border-solid">Informatique</th></tr></thead><tbody><tr class="c-table__row text-center"><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left">RC professionnelle</div></div></td><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left">Bâtiment</div></div></td><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left">Accidents du travail</div></div></td><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left">Voitures & flottes</div></div></td><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left">Cyber protection</div></div></td></tr><tr class="c-table__row text-center"><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left">RC exploitation</div></div></td><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left">Contenu & vol</div></div></td><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left">Hospitalisation, ambulatoire, dentaire</div></div></td><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left">Camion / camionnette</div></div></td><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left"></div></div></td></tr><tr class="c-table__row text-center"><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left">RC administrateurs</div></div></td><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left">Pertes d’exploitation</div></div></td><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left">Assurance groupe</div></div></td><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left">Moto / vélo</div></div></td><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left"></div></div></td></tr><tr class="c-table__row text-center"><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left">RC produit</div></div></td><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left">Bris de machine</div></div></td><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left">Assurance dirigeant</div></div></td><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left"></div></div></td><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left"></div></div></td></tr><tr class="c-table__row text-center"><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left">RC environnementale</div></div></td><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left">Biens transportés</div></div></td><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left">Assurance voyage</div></div></td><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left"></div></div></td><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left"></div></div></td></tr><tr class="c-table__row text-center"><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left">RC décennale (construction)</div></div></td><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left">Tous risques chantier</div></div></td><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left"></div></div></td><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left"></div></div></td><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left"></div></div></td></tr><tr class="c-table__row text-center"><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left">RC objective (incendie / explosion)</div></div></td><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left">Équipements</div></div></td><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left"></div></div></td><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left"></div></div></td><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left"></div></div></td></tr><tr class="c-table__row text-center"><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left">RC évènement</div></div></td><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left"></div></div></td><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left"></div></div></td><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left"></div></div></td><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left"></div></div></td></tr><tr class="c-table__row text-center"><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left">Protection juridique</div></div></td><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left"></div></div></td><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left"></div></div></td><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left"></div></div></td><td class="c-table__cell p-8 border border-solid max-w-sm"><div class="advantage-container flex"><div class="advantage-text text-left"></div></div></td></tr></tbody></table></div><div class="mobile-comparator-table max-w-md m-auto lg:hidden"><div class="item-container border border-solid p-8 text-center rounded mb-4"><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left">RC professionnelle</div></div></div></div><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left">Bâtiment</div></div></div></div><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left">Accidents du travail</div></div></div></div><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left">Voitures & flottes</div></div></div></div><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left">Cyber protection</div></div></div></div></div><div class="item-container border border-solid p-8 text-center rounded mb-4"><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left">RC exploitation</div></div></div></div><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left">Contenu & vol</div></div></div></div><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left">Hospitalisation, ambulatoire, dentaire</div></div></div></div><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left">Camion / camionnette</div></div></div></div><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left"></div></div></div></div></div><div class="item-container border border-solid p-8 text-center rounded mb-4"><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left">RC administrateurs</div></div></div></div><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left">Pertes d’exploitation</div></div></div></div><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left">Assurance groupe</div></div></div></div><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left">Moto / vélo</div></div></div></div><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left"></div></div></div></div></div><div class="item-container border border-solid p-8 text-center rounded mb-4"><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left">RC produit</div></div></div></div><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left">Bris de machine</div></div></div></div><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left">Assurance dirigeant</div></div></div></div><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left"></div></div></div></div><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left"></div></div></div></div></div><div class="item-container border border-solid p-8 text-center rounded mb-4"><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left">RC environnementale</div></div></div></div><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left">Biens transportés</div></div></div></div><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left">Assurance voyage</div></div></div></div><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left"></div></div></div></div><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left"></div></div></div></div></div><div class="item-container border border-solid p-8 text-center rounded mb-4"><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left">RC décennale (construction)</div></div></div></div><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left">Tous risques chantier</div></div></div></div><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left"></div></div></div></div><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left"></div></div></div></div><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left"></div></div></div></div></div><div class="item-container border border-solid p-8 text-center rounded mb-4"><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left">RC objective (incendie / explosion)</div></div></div></div><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left">Équipements</div></div></div></div><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left"></div></div></div></div><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left"></div></div></div></div><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left"></div></div></div></div></div><div class="item-container border border-solid p-8 text-center rounded mb-4"><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left">RC évènement</div></div></div></div><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left"></div></div></div></div><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left"></div></div></div></div><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left"></div></div></div></div><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left"></div></div></div></div></div><div class="item-container border border-solid p-8 text-center rounded mb-4"><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left">Protection juridique</div></div></div></div><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left"></div></div></div></div><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left"></div></div></div></div><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left"></div></div></div></div><div class="advantages-container mb-8"><div class="advantages-information"><div class="advantage-container flex justify-center"><div class="advantage-text text-left"></div></div></div></div></div></div></div></div> <p>Chez Yago, nous classons les assurances en 5 catégories :</p> <ol><li><p><b>Les assurances pour couvrir la responsabilité de votre entreprise et des dirigeants </b>; la RC exploitation et la protection juridique sont essentielles pour toutes les entreprises.</p></li><li><p><b>Les assurances pour couvrir les biens de votre entreprise </b>; des bâtiments aux équipements, vous devez penser à protéger vos ressources.</p></li><li><p><b>Les assurances pour couvrir les employés / ouvriers et les dirigeants de votre entreprise </b>; en tant qu’entreprise, vous avez l’obligation de couvrir vos employés en cas d’accidents du travail.</p></li><li><p><b>Les assurances pour couvrir les véhicules de votre entreprise </b>; la RC est obligatoire pour couvrir les dommages que vous pourriez occasionner aux tiers.</p></li><li><p><b>Les assurances pour couvrir la partie IT et les données de votre entreprise </b>pour faire face aux cyber attaques de plus en plus fréquentes.</p></li></ol> <h2>Les assurances obligatoires pour votre entreprise</h2> <p>🚨 <b>La </b><a href="/fr/entreprise/responsabilite-civile-professionnelle"><b>responsabilité civile professionnelle</b></a> est obligatoire pour certaines professions réglementées (avocats, médecins, architectes, etc.) et recommandée pour toutes les professions de nature intellectuelle (service, consultance, etc.). L'assurance responsabilité civile professionnelle offre une couverture contre les conséquences auxquelles les entreprises pourraient être confrontées en cas d'erreurs intellectuelles commises dans le cadre normal de leurs activités. Plus précisément, elle couvre une entreprise pour : les dommages corporels, matériels et immatériels suite à une faute professionnelle ayant entraîné un préjudice à un tiers (client, prestataire, sous-traitant, fournisseur, etc.). </p> <p><u>Exemples de situations dans lesquelles la RC pro intervient :</u></p> <ul><li><p><b>Erreur de conception </b>: un architecte commet une erreur dans la conception d'un bâtiment, par exemple en ne respectant pas les normes de sécurité structurelles. L’assurance couvre les coûts de réparation des défauts et les éventuels dommages matériels.</p></li><li><p><b>Violation des droits de propriété intellectuelle </b>: par erreur, l’entreprise utilise les droits de propriété intellectuelle de quelqu’un d’autre dans son travail pour un client. L’assurance couvre les dommages et intérêts.</p></li></ul> <p>🚨 <b>L'</b><a href="/fr/entreprise/accidents-du-travail"><b>assurance accidents du travail</b></a> est obligatoire pour couvrir vos employés et ouvriers. Elle intervient lorsque quelque chose arrive à vos employés en raison du travail qu'ils effectuent pour vous. C'est une <b>exigence légale</b> pour toutes les entreprises en Belgique.</p> <p><u>Exemples de situations dans lesquelles l’assurance accidents du travail intervient :</u></p> <ul><li><p><b>Accident sur le lieu du travail </b>: un de vos ouvriers se blesse en travaillant sur une des machines de l’usine. L’assurance couvrira les frais médicaux et les indemnisations de salaire pendant son arrêt de travail.</p></li><li><p><b>Accident sur le chemin du travail </b>: une de vos employés se rend au travail à vélo. Un jour, elle se fait renverser par une voiture et est amenée à l’hôpital. L’assurance couvrira les frais médicaux et les indemnisations de salaire.</p></li></ul> <p>🚨 <b>L’</b><a href="/fr/entreprise/assurance-parc-automobile"><b>assurance responsabilité civile auto</b></a> est obligatoire pour tous les véhicules, y compris ceux de votre entreprise. Elle permet de protéger les dommages causés aux tiers en cas d’accident.</p> <p><u>Exemple de situation dans laquelle la RC intervient :</u> vous percutez une voiture et vous êtes en tort. La RC couvrira les dommages causés à la voiture percutée et aux victimes. Elle ne couvrira pas vos propres dommages ; ce sont les assurances omnium et sécurité conducteur qui interviendront dans ce cas-là.</p> <h2>Les assurances essentielles pour votre entreprise</h2> <p>Bien qu’elles ne soient pas obligatoires, les assurances entreprise suivantes sont tout aussi importantes pour la sécurité et le bien-être de votre entreprise.</p> <p>📌 <b>L'assurance </b><a href="/fr/entreprise/responsabilite-civile-exploitation"><b>responsabilité civile exploitation</b></a> est essentielle. Elle offre une couverture aux entreprises contre les conséquences auxquelles elles pourraient être confrontées en cas d'erreurs manuelles.</p> <p><u>Exemples de situations dans lesquelles la RC exploitation intervient :</u></p> <ul><li><p><b>Dommages matériels </b>: l’entreprise endommage accidentellement l’équipement d’un client lors de l’installation d’un nouveau logiciel. L’assurance couvre les frais de réparation.</p></li><li><p><b>Dommages corporels </b>: lors d’un rendez-vous client, un client se blesse dans vos bureaux ; une lampe se détache du plafond et lui ouvre le crâne en tombant. L’assurance couvre les dommages corporels causés au client.</p></li></ul> <p><b>⚠️ Que se passe-t-il si je n’ai pas de RC entreprise ?</b></p> <p><i>Dans le cas où un client se blesse lors d’un rendez-vous dans vos bureaux, si vous n’avez pas de RC exploitation, vous allez devoir assumer vous-même les frais conséquents à cet accident.</i></p> <p>Coût du sinistre estimé - Couverture des frais médicaux du client (hôpital, suivi chez le médecin et frais de pharmacie) : <b>950€ - À votre charge</b></p> <div><div class="html-content my-8"><div class="c-box c-box--idea">Conseil Yago : Peu importe votre domaine d’activité, pensez toujours à souscrire l’assurance RC exploitation ; aucune entreprise n’est à l’abris d’un accident ou d’une erreur.</div> </div></div> <p>📌 <b>L’</b><a href="/fr/entreprise/assurance-batiment"><b>assurance bâtiment</b></a> permet d’assurer vos bureaux contre les dégâts occasionnés aux biens assurés par le feu, l’explosion, l’implosion, la fumée, la suie, la foudre, etc., mais également par une tempête, la grêle, la pression de la neige, l’eau, les bris de vitrage et l’action de l’électricité. On distingue deux cas pour l’assurance incendie :</p> <ul><li><p>Si vous êtes <b>propriétaire </b>de vos bureaux, vous devez assurer le bâtiment en plus du contenu.</p></li><li><p>Si vous êtes <b>locataire </b>de vos bureaux, vous devez assurer votre responsabilité en tant que locataire, via une assurance RC locative, en plus du contenu.</p></li></ul> <p>📌 <b>L’</b><a href="/fr/entreprise/assurance-cyber-securite"><b>assurance cyber sécurité</b></a> vous protège contre les conséquences de cyberattaques. Les activités des cybercriminels sont de plus en plus fréquentes, ciblant notamment les employés des entreprises traitant des données sensibles.</p> <div><div class="html-content my-8"><div class="c-box c-box--alert"> <p>En 2022, la police fédérale belge a enregistré plus de 58 400 cas de cybercriminalité. Les attaques les plus fréquentes sont le phishing, le ransomware, les attaques par déni de service et les attaques d’ingénierie sociale. Une entreprise sur six a frôlé la faillite suite à une telle attaque. En effet, les coûts de telles attaques peuvent facilement atteindre des centaines de milliers d’euros.</p> </div> </div></div> <p>Dans ce contexte, renforcer la cyber résilience est crucial.</p> <p>📌 <b>La </b><a href="/fr/entreprise/assurance-protection-juridique"><b>protection juridique</b></a> est indispensable pour pouvoir vous défendre en cas de sinistre. Elle protège vos droits et couvre les frais de justice en cas de conflit juridique lors de litiges. Avec cette assurance, vous pouvez entamer des procédures juridiques mais également contester les décisions de l’assureur si vous êtes en désaccord.</p> <p><u>Exemples de situations dans lesquelles la protection juridique intervient :</u></p> <ul><li><p><b>Violation de brevets </b>: si vous êtes accusé de violer des brevets, votre protection juridique peut vous aider à défendre ces accusations ou à engager des poursuites contre les contrevenants.</p></li><li><p><b>Conflits avec des fournisseurs </b>: en cas de désaccord avec un fournisseur concernant les termes d'un contrat, la qualité des matériaux ou les délais de livraison, la PJ peut intervenir pour résoudre le différend par voie légale.</p></li></ul> <p>📌 <b>L’</b><a href="/fr/assurance-vie/assurance-groupe"><b>assurance groupe</b></a> permet de pallier une pension trop basse en Belgique.</p> <div><div class="html-content my-8"><div class="c-box c-box--alert"> <p>Selon les chiffres de Pensionstat, en 2022, la pension légale effectivement versée aux employés est proche du seuil de pauvreté. En moyenne, un Belge perd environ 34% de son salaire à la retraite (OCDE, 2022).</p> </div> </div></div> <p>L’assurance groupe garantit à vos employés un capital pension, un capital en cas de décès et en cas d’incapacité de travail. Elle permettra à vos employés d'augmenter leurs revenus d’environ <b>500€ par mois </b>une fois à la retraite. </p> <p>📌 <b>L’</b><a href="/fr/entreprise/assurance-sante"><b>assurance santé</b></a> joue un rôle vital en fournissant une protection financière et des services santé de qualité aux employés. Vous pouvez souscrire à 3 couvertures :</p> <ul><li><p>Hospitalisation : frais liés à une hospitalisation, en ce compris les frais pré et post opératoires.</p></li><li><p>Ambulatoire : frais de médecins, kiné, pharmacie, etc.</p></li><li><p>Dentaire : frais dentaires, d’orthodontie, de parodontie, etc.</p></li></ul> <p><u>Exemple - L'histoire d'Elise :</u></p> <p><i>Pour son opération et son hospitalisation, Elise, 30 ans, est restée 6 nuits à l’hôpital, en chambre individuelle. Elise bénéficie d’une assurance hospitalisation via son employeur.</i></p> <ul><li><p>Montant de la facture d'hospitalisation : 10 877€</p></li><li><p>Remboursement de la mutuelle : - 3 544€</p></li><li><p>Montant restant à sa charge : 7 333€</p></li><li><p>Ce qu'Elise a finalement payé : 8€</p></li></ul> <p><a href="/fr/entreprise/prix-assurances">Le prix de vos assurances entreprise </a>dépendent de plusieurs critères dont l’activité de votre entreprise, les résultats de votre entreprise, les plafonds et choix des garanties, etc. Pour savoir combien coûte les assurances de votre entreprise, demandez votre devis ici ! 👇</p> <div><div class="html-content my-8"><div class="c-steps c-offer__cta text-center"><a class="button success p-button--auto-cta" href="https://seraphin.typeform.com/inde-entreprise?utm_source=landing_page_entreprise">Obtenir mon devis </a></div> </div></div> <h2>Le pack complet d'un entrepreneur bien couvert</h2> <p>En tant que chef d’entreprise, vous devez aussi penser à couvrir vos arrières avec les assurances pour dirigeants d’entreprise :</p> <ul><li><p><a href="/fr/independant/rc-administrateur"><b>La responsabilité civile administrateur</b></a><b> </b>: elle est cruciale car les administrateurs peuvent être tenus personnellement responsables des dommages causés par leurs décisions ou leur négligence dans l'exercice de leurs fonctions au sein de l'entreprise. Les erreurs de gestion, qu’elles découlent d’un défaut d’attention, d’une évaluation erronée des dangers, ou simplement d’une erreur involontaire, peuvent mettre en cause la responsabilité des administrateurs. Ces situations risquent non seulement de nuire à leur réputation sur le plan professionnel, mais elles peuvent aussi avoir des répercussions financières immédiates sur leur patrimoine personnel.</p></li></ul> <div><div class="html-content my-8"><div class="c-box c-box--alert"> <p>Dans les situations extrêmes, en l’absence de protection suffisante, un dirigeant pourrait être confronté à des demandes d’indemnisation qui surpassent de loin les ressources financières de son entreprise, mettant ainsi en jeu ses actifs personnels.</p> </div></div></div> <ul><li><p><b>Assurance patron</b> :</p><p><b>Les dirigeants d’entreprise ne sont pas couverts par les assurances de l’entreprise</b> (notamment l’accident du travail) car ils ne sont pas salariés. Pour être bien couverts, ils doivent donc souscrire leurs propres assurances.</p><p>Il existe donc deux solutions pour les dirigeants d’entreprise indépendants :</p><ul><li><p><b>Assurance patron ou 24/24 </b>: couverture hospitalisation, incapacité de travail suite à un accident et couverture décès. Cette option a l’avantage de couvrir l’assuré 24h/24, elle couvre donc aussi les accidents de la vie privée.</p></li><li><p><b>Couverture en incapacité de travail dans un contrat PLCI ou EIP et souscription d’un contrat hospitalisation en stand alone </b>: couverture hospitalisation, incapacité de travail suite à un accident ou une maladie et couverture décès. Cette option, bien que plus chère, offre une couverture avec des plafonds 2 à 5x supérieurs à ceux de l’assurance patron.</p></li></ul></li><li><p><b>Pension complémentaire</b> : il convient également de veiller à la pension de l’indépendant. <b>Avec une pension mensuelle nette de 1040€</b> en 2022 selon les chiffres de <a href="http://Pensionstat.be">Pensionstat.be</a> ; il est important de combler le gap par rapport au 1500€ de pension moyenne. Pour ce faire, l’État a heureusement mis en place des contrats de pension complémentaire avec des avantages fiscaux et sociaux allant de 50 à 70% du montant investi (contrats PLCI & EIP).</p></li></ul> <p><b>Vous voulez sécuriser votre rôle d’entrepreneur pour un quotidien plus serein ? Faites un devis gratuit !</b></p> <div><div class="html-content my-8"><div class="c-steps c-offer__cta text-center"><a class="button success p-button--auto-cta" href="https://seraphin.typeform.com/inde-entreprise?utm_source=landing_page_entreprise">Obtenir mon devis </a></div> </div></div> <p><u>Pourquoi choisir Yago comme courtier d’assurance entreprise ?</u></p> <p><b>Yago est le courtier en assurances qui simplifie la gestion de vos polices d'assurance et vous offre un service rapide en cas de sinistres.</b></p> <div><div class="html-content my-8"><div class="c-box c-box-"> <p> <CENTER><BIG><BIG>📢 <b>Vos avantages avec Yago :</b></BIG></BIG></CENTER><br> ✅ <b> Bénéficiez de l’expertise Yago :</b> des assurances adaptées à votre entreprise et à vos besoins. Ne perdez plus votre temps à chercher l’assurance qui vous correspond, Yago s’en charge pour vous. <br> <br> ✅ <b> Libérez-vous de la paperasse grâce à votre espace My Yago :</b> consultez et modifiez vos contrats en ligne et suivez vos sinistres en temps réel. <br> <br> ✅ <b> Profitez de votre conseiller dédié 100% à vos côtés :</b> il connaît votre dossier et répond à toutes vos questions dans les 4 à 8 heures ouvrables. </div></div></div> <p>D'autrs articles qui pourraient vous intéresser :</p> <ul><li><p><b> </b><a href="/fr/entreprise/guide-assurances-pour-entreprise"><b>Notre guide des assurances et protections pour les entreprises</b></a></p></li><li><p><a href="/fr/entreprise/assurances-biens-equipements"><b>Nos assurances biens et équipements</b></a></p></li><li><p><a href="/fr/entreprise/blog"><b>Notre blog entreprise</b></a></p></li></ul> <p></p></div></div></div></div></section><section><div class="smile-container text-center -mb-8 lg:-mb-16"><h2 class="smile-heading-2-semibold max-w-4xl mx-auto">Plus de 600 entreprises nous font confiance</h2><div class="smile-heading-4 max-w-3xl mx-auto mt-4">97% de nos clients recommandent Yago à leur entourage en 2024</div></div><div class="w-full flex justify-start overflow-x-scroll-invisible-scrollbar pb-16 lg:block -mb-16 lg:-mb-24"><div class="lg:flex lg:justify-center lg:overflow-visible"><div class="mt-6 flex pl-4 md:pl-6"><div class="w-64 mx-3 xl:w-96 first:ml-0"><div class="rounded-lg w-full h-full text-left p-8 bg-emerald-200 text-emerald-900"><div class="flex items-center"><img alt="" class="w-16 h-16 rounded-full -mt-2" height="64" loading="lazy" src="https://images.ctfassets.net/j80o2iirl5ls/3lBPpGfu4oPIfZ4fZW9eo5/822b414a9ec24ad533bf325017d46d7f/pexels-chloekalaartist-1043474.jpg?h=80" width="64" /><div class="flex flex-col flex-shrink-0 w-full font-medium text-left leading-tight truncate ml-4"><p><b>Jérome</b>, Chef d'entreprise de<br>textiles à Ixelles</p><div class="text-sm">23 avril 2024</div><div class="flex w-20 mt-1"><img loading="lazy" class="star-rating w-6 h-6 max-w-none" src="/vite/assets/star-full-NW4V-xMj.svg" /><img loading="lazy" class="star-rating w-6 h-6 max-w-none" src="/vite/assets/star-full-NW4V-xMj.svg" /><img loading="lazy" class="star-rating w-6 h-6 max-w-none" src="/vite/assets/star-full-NW4V-xMj.svg" /><img loading="lazy" class="star-rating w-6 h-6 max-w-none" src="/vite/assets/star-full-NW4V-xMj.svg" /><img loading="lazy" class="star-rating w-6 h-6 max-w-none" src="/vite/assets/star-full-NW4V-xMj.svg" /></div></div></div><div class="vertical-truncate-4-lines leading-snug mt-4">J'ai choisi Yago pour leur réactivité et leur professionnalisme. La clarté dans les réponses apportées par votre équipe est très appréciable.</div></div></div><div class="w-64 mx-3 xl:w-96 first:ml-0"><div class="rounded-lg w-full h-full text-left p-8 bg-emerald-200 text-emerald-900"><div class="flex items-center"><img alt="" class="w-16 h-16 rounded-full -mt-2" height="64" loading="lazy" src="https://images.ctfassets.net/j80o2iirl5ls/1WMSl0tmLyFVfHgQQoHyQn/636c7855824d3f0fd33adb869a85a71f/pexels-edmond-dantes-4342352.jpg?h=80" width="64" /><div class="flex flex-col flex-shrink-0 w-full font-medium text-left leading-tight truncate ml-4"><p><b>Elise</b>,Chef d'entreprise<br>à Etterbeek</p><div class="text-sm">17 mars 2024</div><div class="flex w-20 mt-1"><img loading="lazy" class="star-rating w-6 h-6 max-w-none" src="/vite/assets/star-full-NW4V-xMj.svg" /><img loading="lazy" class="star-rating w-6 h-6 max-w-none" src="/vite/assets/star-full-NW4V-xMj.svg" /><img loading="lazy" class="star-rating w-6 h-6 max-w-none" src="/vite/assets/star-full-NW4V-xMj.svg" /><img loading="lazy" class="star-rating w-6 h-6 max-w-none" src="/vite/assets/star-full-NW4V-xMj.svg" /><img loading="lazy" class="star-rating w-6 h-6 max-w-none" src="/vite/assets/star-full-NW4V-xMj.svg" /></div></div></div><div class="vertical-truncate-4-lines leading-snug mt-4">Ayant Yago comme courtier pour mon entreprise, j'apprécie la disponibilité, la rapidité et l'efficacité des conseillers.</div></div></div><div class="w-64 mx-3 xl:w-96 first:ml-0"><div class="rounded-lg w-full h-full text-left p-8 bg-emerald-200 text-emerald-900"><div class="flex items-center"><img alt="" class="w-16 h-16 rounded-full -mt-2" height="64" loading="lazy" src="https://images.ctfassets.net/j80o2iirl5ls/1gTBCzcH3W8aZOGCnKNdrB/278719d7740645572a1ecd6f2716a37a/2148749581.jpg?h=80" width="64" /><div class="flex flex-col flex-shrink-0 w-full font-medium text-left leading-tight truncate ml-4"><p><b>Désiré</b>, Co-founder of a<br>start-up in Saint-Gilles</p><div class="text-sm"> 8 octobre 2024</div><div class="flex w-20 mt-1"><img loading="lazy" class="star-rating w-6 h-6 max-w-none" src="/vite/assets/star-full-NW4V-xMj.svg" /><img loading="lazy" class="star-rating w-6 h-6 max-w-none" src="/vite/assets/star-full-NW4V-xMj.svg" /><img loading="lazy" class="star-rating w-6 h-6 max-w-none" src="/vite/assets/star-full-NW4V-xMj.svg" /><img loading="lazy" class="star-rating w-6 h-6 max-w-none" src="/vite/assets/star-full-NW4V-xMj.svg" /><img loading="lazy" class="star-rating w-6 h-6 max-w-none" src="/vite/assets/star-full-NW4V-xMj.svg" /></div></div></div><div class="vertical-truncate-4-lines leading-snug mt-4">Yago accompagne mon entreprise, même dans les moments difficiles. J'apprécie particulièrement la digitalisation du service et la clarté des échanges. </div></div></div><div class="w-64 mx-3 xl:w-96 first:ml-0"><div class="rounded-lg w-full h-full text-left p-8 bg-emerald-200 text-emerald-900"><div class="flex items-center"><img alt="" class="w-16 h-16 rounded-full -mt-2" height="64" loading="lazy" src="https://images.ctfassets.net/j80o2iirl5ls/2zlnCh0rTypEXVmEVl1LKu/a6e1b3d22e06f0e40802ccd89c584b1b/pexels-mikhail-nilov-8872162.jpg?h=80" width="64" /><div class="flex flex-col flex-shrink-0 w-full font-medium text-left leading-tight truncate ml-4"><p><b>Marie-Christine</b>, Franchise<br>Director of a Supermarket</p><div class="text-sm">20 octobre 2024</div><div class="flex w-20 mt-1"><img loading="lazy" class="star-rating w-6 h-6 max-w-none" src="/vite/assets/star-full-NW4V-xMj.svg" /><img loading="lazy" class="star-rating w-6 h-6 max-w-none" src="/vite/assets/star-full-NW4V-xMj.svg" /><img loading="lazy" class="star-rating w-6 h-6 max-w-none" src="/vite/assets/star-full-NW4V-xMj.svg" /><img loading="lazy" class="star-rating w-6 h-6 max-w-none" src="/vite/assets/star-full-NW4V-xMj.svg" /><img loading="lazy" class="star-rating w-6 h-6 max-w-none" src="/vite/assets/star-full-NW4V-xMj.svg" /></div></div></div><div class="vertical-truncate-4-lines leading-snug mt-4">Je suis ravie de la réactivité de votre équipe. Yago est venu visiter le magasin et a déclaré que nous n'étions pas assez assurés pour nos marchandises.</div></div></div><div class="w-64 mx-3 xl:w-96 first:ml-0"><div class="rounded-lg w-full h-full text-left p-8 bg-emerald-200 text-emerald-900"><div class="flex items-center"><img alt="" class="w-16 h-16 rounded-full -mt-2" height="64" loading="lazy" src="https://images.ctfassets.net/j80o2iirl5ls/5K1L1prZjT3KLeTTFtc96L/dbc67fb20eac880175c34eb0c19f2c02/pexels-olly-3778876.jpg?h=80" width="64" /><div class="flex flex-col flex-shrink-0 w-full font-medium text-left leading-tight truncate ml-4"><p><b>Bertrand</b>, Entreprise de rénovation<br>du bâtiment à Namur</p><div class="text-sm">12 janvier 2024</div><div class="flex w-20 mt-1"><img loading="lazy" class="star-rating w-6 h-6 max-w-none" src="/vite/assets/star-full-NW4V-xMj.svg" /><img loading="lazy" class="star-rating w-6 h-6 max-w-none" src="/vite/assets/star-full-NW4V-xMj.svg" /><img loading="lazy" class="star-rating w-6 h-6 max-w-none" src="/vite/assets/star-full-NW4V-xMj.svg" /><img loading="lazy" class="star-rating w-6 h-6 max-w-none" src="/vite/assets/star-full-NW4V-xMj.svg" /><img loading="lazy" class="star-rating w-6 h-6 max-w-none" src="/vite/assets/star-full-NW4V-xMj.svg" /></div></div></div><div class="vertical-truncate-4-lines leading-snug mt-4">Ce que j'aime chez Yago c'est la clarté de chaque échange ! Grâce à cela, nous avons trouvé une assurance auto 15% moins chère pour notre flotte. </div></div></div></div></div></div><div class="smile-container text-center lg:-mt-8 "><a class="btn-smile btn-smile-indigo" href="https://www.yago.be/fr/avis" rel="noopener" target="_blank">Voir tous les avis</a></div></section><footer class="bg-emerald-900 text-white"><div class="smile-container"><div class="grid gap-6 text-center lg:text-left lg:grid-cols-5"><div><div class="w-32 mx-auto lg:mx-0"><span title="Yago" class="w-full "><svg viewBox="0 0 114 26" fill="none" xmlns="http://www.w3.org/2000/svg"> <title>Yago</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M76.9969 10.227C78.4146 10.0287 79.5096 10.4046 79.7997 10.5077C81.493 11.1164 83.3549 12.7091 82.6377 16.8468C82.3801 18.538 81.7194 19.6199 81.2466 20.3226C78.991 23.6772 75.143 25.5881 70.5095 25.9505C62.5725 26.5715 55.6628 21.2768 55.0758 14.1242C54.4881 6.9716 60.4463 0.670152 68.3833 0.0491464C71.9338 -0.228945 75.2692 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src="/vite/assets/feprabel-Ap0cQ9Gw.png" /><img loading="lazy" src="/vite/assets/broker-ZsFXnYLv.png" /></div><div class="opacity-75 mt-6">Rue des Francs 79, 1040<br>Bruxelles (BE)<br>+32 2 808 11 78<br>BE0639.926.420</div><div class="opacity-75 mt-6">Yago est un courtier d'assurance agréé par la FSMA sous le numéro 114863.</div><div class="flex mt-6 justify-center lg:justify-start"><div class="flex"><img loading="lazy" class="star-rating w-6 h-6 max-w-none" src="/vite/assets/star-full-NW4V-xMj.svg" /><img loading="lazy" class="star-rating w-6 h-6 max-w-none" src="/vite/assets/star-full-NW4V-xMj.svg" /><img loading="lazy" class="star-rating w-6 h-6 max-w-none" src="/vite/assets/star-full-NW4V-xMj.svg" /><img loading="lazy" class="star-rating w-6 h-6 max-w-none" src="/vite/assets/star-full-NW4V-xMj.svg" /></div><div class="ml-2">Google 4,6/5</div></div></div><div class="flex flex-col"><div><div class="font-gellix opacity-75 text-sm font-semibold">Mon véhicule</div><div class="space-y-2 mt-2"><a class="block hover:text-teal-500" data-purpose="cars_link" href="/fr/assurance-auto">Assurance Auto</a><a class="block hover:text-teal-500" data-purpose="motorbikes_link" href="/fr/moto">Assurance Moto</a><a class="block hover:text-teal-500" data-purpose="bicycles_link" href="/fr/assurance-velo">Assurance Vélo</a></div></div><div class="mt-4"><div class="font-gellix opacity-75 text-sm font-semibold">Mon habitation</div><div class="space-y-2 mt-2"><a class="block hover:text-teal-500" data-purpose="house_link" href="/fr/assurance-habitation">Assurance Habitation</a></div></div></div><div class="flex flex-col"><div><div class="font-gellix opacity-75 text-sm font-semibold">Moi et ma famille</div><div class="space-y-2 mt-2"><a class="block hover:text-teal-500" data-purpose="civil_liabilities_link" href="/fr/assurance-familiale">Assurance Familiale</a><a class="block hover:text-teal-500" data-purpose="hospitalizations_link" href="/fr/assurance-hospitalisation">Assurance Hospitalisation</a><a class="block hover:text-teal-500" data-purpose="hospitalizations_link" href="https://www.yago.be/fr/assurance-voyage">Assurance voyage</a></div></div><div class="mt-4"><div class="font-gellix opacity-75 text-sm font-semibold">Ma pension</div><div class="space-y-2 mt-2"><a class="block hover:text-teal-500" data-purpose="life_link" href="/fr/assurance-vie/epargne-pension">Épargne pension</a><a class="block hover:text-teal-500" data-purpose="life_link" href="/fr/assurance-vie/epargne-long-terme">Épargne long terme</a><a class="block hover:text-teal-500" data-purpose="life_link" href="/fr/assurance-vie/independant">Pension indépendant</a><a class="block hover:text-teal-500" data-purpose="life_link" href="/fr/assurance-vie/assurance-groupe">Assurance groupe</a></div></div></div><div><div class="font-gellix opacity-75 text-sm font-semibold">Mon activité</div><div class="space-y-2 mt-2"><a class="block hover:text-teal-500" href="/fr/independant">Assurances indépendant</a><a class="block hover:text-teal-500" href="/fr/entreprise">Assurances entreprises</a></div></div><div class="flex flex-col"><div><div class="font-gellix opacity-75 text-sm font-semibold">À propos de Yago</div><div class="space-y-2 mt-2"><span class="block transition duration-200 hover:text-teal-500 cursor-pointer" data-link="L2ZyL2NvbnRhY3Rlei1ub3Vz" data-purpose="contact_link">Contact</span><a class="block hover:text-teal-500" href="/fr/notre-equipe">Qui sommes-nous ?</a><a class="block hover:text-teal-500" href="/fr/help/parrainage">Parrainage</a><a class="block hover:text-teal-500" data-purpose="become_partner_link" href="/fr/devenir-partenaire">Devenir partenaire</a><a class="block hover:text-teal-500" data-purpose="press_link" href="/fr/presse">Presse</a><a class="block hover:text-teal-500" data-purpose="jobs_link" href="/fr/emplois">Rejoignez-nous, on recrute !</a><span class="block hover:text-teal-500 cursor-pointer" data-link="L2ZyL2hlbHA=" data-purpose="help_link">Aide</span></div></div><div class="mt-4"><div class="font-gellix opacity-75 text-sm font-semibold">Nos services</div><div class="space-y-2 mt-2"><span class="block hover:text-teal-500 cursor-pointer" data-link="L2ZyL3NpbmlzdHJl" data-purpose="claims_link">Sinistres</span><span class="block hover:text-teal-500 cursor-pointer" data-link="L2ZyL3Byb2R1Y3RzL3JvYWRfdGF4ZXMvcHJvZmlsaW5n" data-purpose="road_taxes_link">Calcul de vos taxes de circulation</span></div></div></div></div><div class="grid gap-6 pt-20 lg:grid-cols-6 xl:grid-cols-4"><div class="flex space-x-4 justify-center lg:justify-start"><span class=" cursor-pointer" data-link="aHR0cHM6Ly93d3cubGlua2VkaW4uY29tL2NvbXBhbnkvaGVsbG95YWdv" data-target="_blank"><span class="block w-6 h-6 text-white hover:text-teal-500" unstyled="true"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"> <path fill="currentColor" d="M22.2264439,5.32907052e-15 C23.2059403,5.32907052e-15 24,0.769652187 24,1.71921057 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