Introduction au cours d'assurance et contrats

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Questions and Answers

Quelle est la principale fonction de la responsabilité civile ?

Réparer les dommages causés à autrui (correct)

Assurer la sécurité personnelle

Protéger des actifs financiers

Éviter les conflits juridiques

Dans quel cas la responsabilité civile ne s'applique-t-elle pas ?

Pour des dommages corporels causés à un tiers

Pour des dommages matériels causés chez le voisin

Pour des dommages immatériels liés à un accident

Pour des dégradations intentionnelles (correct)

Quel type de dommages est couvert par l'assurance responsabilité civile vie privée ?

Dommages causés à des biens immobiliers

Dommages découlant de conflits familiaux

Dommages causés lors d'une activité professionnelle

Dommages accidentels causés à un tiers (correct)

Qui est concerné par la responsabilité civile professionnelle ?

Les entreprises et indépendants Signup and view all the answers

Quelle situation est un exemple de dommage matériel couvert par la responsabilité civile ?

Une vitre brisée chez le voisin Signup and view all the answers

Quel domaine est exclu de la responsabilité civile professionnelle ?

Activités de loisirs et sportives Signup and view all the answers

Quelles sont les conséquences d'un dommage immatériel lié à un dommage matériel ?

Indemnisation de la victime à partir d'une assurance Signup and view all the answers

Pourquoi certaines professions doivent-elles avoir une responsabilité professionnelle ?

Pour protéger leur clientèle contre des erreurs Signup and view all the answers

Quels coûts peuvent être liés à la surveillance du crédit d'une victime après une perte de données ?

Coûts de surveillance du crédit Signup and view all the answers

Quel est un des risques associés à la transport des marchandises ?

Vol des marchandises Signup and view all the answers

Quel type de coûts peuvent découler des dommages à la réputation organisationnelle ?

Coûts de relations publiques Signup and view all the answers

Quelles actions peuvent aider à prévenir les attaques par phishing ?

Former le personnel sur la sécurité Signup and view all the answers

Quels types de risques environnementaux peuvent affecter une entreprise ?

Risques technologiques Signup and view all the answers

Quelle pourrait être une conséquence pour une entreprise en cas de dommages environnementaux ?

Engagement de la responsabilité civile Signup and view all the answers

Qu'est-il crucial de vérifier auprès de la compagnie d'assurance concernant les frais de cyberattaque ?

Couverture des frais pour la surveillance du crédit Signup and view all the answers

Quels sont les risques encourus lors du transport de marchandises ?

Risques de perte et vol Signup and view all the answers

Quelles sont les garanties couvertes par l'assurance multirisque professionnelle ?

Protection contre la perte d'exploitation Signup and view all the answers

Quel est un des principaux avantages de l'assurance multirisque industrielle ?

Elle est modulaire et adaptée aux spécificités de l'industrie. Signup and view all the answers

Quel type de risque n'est pas couvert par l'assurance bris de machines ?

Danger biologique Signup and view all the answers

Quelle couverture supplémentaire est incluse dans la multirisque industrielle par rapport à l'assurance multirisque professionnelle ?

Prise en charge des retours de produits défectueux Signup and view all the answers

Quels types de risques externes sont couverts par l'assurance bris de machines ?

Incendie et choc Signup and view all the answers

Quel type d'activité bénéficierait le plus de l'assurance multirisque industrielle ?

Industries agroalimentaires Signup and view all the answers

Quels professionnels sont mentionnés comme étant impliqués dans la construction?

Des maçons, charpentiers et promoteurs immobiliers Signup and view all the answers

Quelle option ne fait pas partie des risques internes couverts par l'assurance bris de machines ?

Sabotage Signup and view all the answers

Quels types de dommages sont couverts par l'assurance responsabilité civile décennale?

Les dommages altérant la solidité du bâtiment Signup and view all the answers

Dans le cadre de la multirisque industrielle, quelle garantie concerne les situations liées aux produits défectueux ?

Communication de crise Signup and view all the answers

Quelle condition doit être remplie pour qu'un dommage soit pris en charge par la garantie décennale?

Le dommage doit entraîner l'impossibilité d'utiliser l'ouvrage Signup and view all the answers

Quel type de contrat d'assurance est recommandé pour protéger les biens d'une entreprise?

L'assurance dommages aux biens Signup and view all the answers

Quel est le risque principal pour une entreprise si ses biens ne sont pas assurés?

Des réparations financières lourdes Signup and view all the answers

Quels types de biens sont couverts par l'assurance dommage aux biens ?

Tous les biens mobiliers et immobiliers, y compris les stocks Signup and view all the answers

Dans quel scénario l'assurance décennale pourrait-elle ne pas être applicable?

Un dommage repéré lors de l'inspection finale Signup and view all the answers

Quelles fonctions précises sont couvertes par la responsabilité civile décennale?

Les éléments mobiles et fixes de construction Signup and view all the answers

Quel type de dommage n'est PAS couvert par l'assurance dommage aux biens ?

Responsabilité civile Signup and view all the answers

Quel événement pourrait déclencher la prise en charge de l'assurance dommages aux biens?

Un incendie accidentel dans les locaux de l'entreprise Signup and view all the answers

Pourquoi est-il conseillé de réaliser une étude de risques avant de souscrire un contrat d'assurance ?

Pour évaluer les besoins spécifiques de l'entreprise Signup and view all the answers

Quel est le principal avantage d'un contrat d'assurance multirisque professionnelle ?

Il offre une couverture complète pour les biens et la responsabilité Signup and view all the answers

Quels de ces événements ne peuvent pas être couverts par une assurance dommage aux biens ?

Accidents de la route Signup and view all the answers

Quelle conséquence peut résulter d'un contrat d'assurance de biens mal évalué ?

Une indemnisation insuffisante Signup and view all the answers

Comment peut-on adapter un contrat d'assurance multirisque professionnelle ?

Par l'ajout d'extensions de garantie selon les risques de l'entreprise Signup and view all the answers

Quel type de contrat d'assurance est inclus dans la famille des assurances dommage aux biens ?

Assurance incendie, accidents et risques divers Signup and view all the answers

Quel est le but principal de l'assurance dépendance ?

Préserver son autonomie financière en cas de dépendance Signup and view all the answers

Quelles sont les solutions financées par l'assurance dépendance ?

Aide à domicile ou maison de retraite Signup and view all the answers

Comment les salariés sont-ils couverts en matière d'assurance prévoyance ?

Par un contrat d'entreprise obligatoire Signup and view all the answers

Quelle caractéristique distingue la gestion par répartition ?

Les cotisations financent les sinistres de l'année en cours. Signup and view all the answers

Quelle est une des fonctions de l'assurance obsèques ?

Prévoir le financement et l'organisation des obsèques. Signup and view all the answers

Qu'est-ce qui est caractéristique de la capitalisation en matière d'assurance ?

Le capital produit des intérêts qui sont réinvestis. Signup and view all the answers

Quel type d'assurance est primordial pour les travailleurs non salariés (TNS) ?

Une assurance prévoyance Signup and view all the answers

Quel est un exemple de contrat d'assurance qui peut être qualifié de 'fonds perdus' ?

Complémentaire santé Signup and view all the answers

Study Notes

Introduction to the Insurance and Contracts Course

The course is part of a professional license program (FGES) in banking and insurance.
The duration of the program is from September 2024 to December 2024.
The course will cover economic and work environments, deepening knowledge of the insurance market, and competitive analysis.
Topics will include legal regulations related to insurance contracts, from preparation to completion.

Course Topics

Understanding the economic and professional environment.
In-depth study of the insurance market.
Analysis of the competitive landscape.
Application of legal regulations concerning insurance contracts from underwriting to closing.

The Insurance Market

Insurance is a financial mechanism for transferring risk from an individual or business to an insurer in exchange for a premium.
In the event of a loss (or "claim"), the insurer compensates the insured, providing protection against unforeseen financial losses.
Mutualization of risk is the fundamental concept, as numerous contributions pool resources to cover the losses of a few.
Insurance plays a critical role in stabilizing finances for both individuals and businesses.

Different Types of Insurance

Property Insurance (or IARD): Covers both material and immaterial losses from various incidents. Examples: Car insurance for accidents, home insurance protecting against fires, water damage, or theft.
Personal Insurance: Protects individuals and families against specific risks related to them.

Home Insurance (One)

It's mandatory for renters and co-owners (those owning units within a larger property).
Coverage obligations for co-owners are limited to liability related to the property, its occupants and external parties.
Certain types of housing and habitation are exempt from the mandatory insurance rule, like seasonal or temporary homes, "autonomous residences," those with official government agreements tied to their use or homes intended for specific professional activities.

Home Insurance (Two)

This insurance covers a property's and its content's risk against accidental damage.
It covers material damages like fire, water damage, theft, and weather events.
It also covers liability for damages caused to others within the property, with the homeowner's direct involvement.
The insurance does not cover every item, and valuables are often excluded or are subject to special conditions and policies.

Home Insurance (Three)

This aspect covers homeowner's liability related to harm or damage caused to others.
A guarantee within existing insurance is present for damage or injuries to third parties.
It covers risks, like water damage, fires, and theft, originating within the property.

Home Insurance (Four)

This focuses on the calculation of home insurance premiums.
This is a student self-assessment element.

Car Insurance

All motor vehicles are required to have minimum liability insurance in France.
A wide array of insurance types are available, covering various liability levels.

Car Insurance (Type): Third Party

Foundational insurance covering damage to others in car accidents.
The driver and vehicle are not insured for damages that they may suffer.

Car Insurance (Type): Enhanced Third Party

A higher level of coverage supplementing basic third-party insurance.
The cover is enlarged to include some types of damages that usually are excluded in basic coverage.

Car Insurance (Type): Comprehensive

This is the most extensive coverage, including a majority of damages.
It protects the vehicle and the driver against nearly all possible damages.

Car Insurance Two

The central aim of car insurance is to cover material and bodily harm caused to others or others' property by your vehicle.
Based on the selected coverage, an insurer can extend policies to include your vehicle's material damages or harm caused to you during the accident..

Car Insurance (Pricing and Coverage)

Prices vary based on selected coverage, vehicle type, area, and driver history.
Insurance company information summaries are used to determine the appropriate pricing, using a five-year history of claims.

Liability Insurance

It obligates individuals or businesses to compensate others for damage.
This is usually included in home insurance policies and liability policies.
If an incident occurs resulting in damage within your property or in its vicinity, your home insurance should absorb the costs.

Liability Insurance: Specific Types

Professional liability insurance, frequently referred to as professional liability or Errors and Omissions insurance, applies to professional and business-related activities, offering protection or coverage to compensate any third party due to errors, omissions, or negligence by the covered party or their employees.

Liability Insurance: Home and Personal

It protects you against incidents arising from events occurring within your home, or actions related to your actions within or outside your home, affecting others or their property.
It's different from homeowner's insurance, which typically covers the property itself.

Liability Insurance: Types of Coverage

Different types of guarantees exist under liability insurance policies, and they all have different specificities.
The type of guarantee may change the coverage or the way losses are handled.

Decennial Liability Insurance

A form of professional guarantee, mostly used by contractors or builders to cover their responsibilities.
This coverage remains valid for 10 years following a construction project's completion and protects against damage to a structure caused by faults during the construction.

Decennial Liability: Covered Damage

The coverage includes significant construction elements such as foundations, structural elements, and general construction.

Property Damage Insurance

Offered as a separate contract.
Protects various elements of a business, covering risks like fire, storms, and vandalism.
Covers both the physical property and the goods within the location.

Property Damage: Specific Industry

Specialized or customized coverage catering to specific industries, like manufacturing or industrial facilities.
Takes into account the added risks or the specificities of the industry.

Property Damage Calculation

This is a hands-on/interactive activity for students.

Equipment Breakdown Insurance

Provides coverage for equipment failure, ensuring business continuity.
The insurance covers breakdowns from various factors, including faulty design, internal issues, or external incidents like storms and strikes

Computer/IT systems Insurance

Covers the hardware and software, data loss in case of events or intrusions.

Cyber Insurance

Protects organizations against cyberattacks, covering costs for restoration, legal fees, and notification expenses.

Claims/Insurance Demands

Steps an organization needs to follow to obtain compensation when a cyberattack happens.

Cyber Insurance Coverage

Covers the costs linked to fixing any failures, notification expenses, and legal procedures linked to cyberattacks.

Cyber Insurance Types of Protection

Covers different parts in an attempt to protect the company, including the costs needed to stop any further damage from the attack, notification fees, legal costs related to the incident, and necessary changes to safety procedures for the future.

Business Insurance: Merchandise Protection

Protects items transported or held in stock against losses from various potential risks.
Coverages for various modes of transport.

Environmental Damage Insurance

Ensures compensation in case of pollution or damage to the environment by the business's operations.
It will cover the costs for restoring the damage to the environment.

Leadership/Management Liability Insurance (RCMS)

Ensures compensation if an important figure in management/leadership causes loss to the company due to errors in their decisions.
Covers the business's leadership/management's individual liability issues/problems.

Directing/Management: Liability Cases

Covers any errors, faults, and omissions by managers in operating a business, whether due to deliberate actions or mistakes.
The coverage specifically compensates for any legal, financial, or reputational losses incurred by a company's management or leadership because of their actions or omissions.

Directing/Management: Liability Cases Examples

Several examples cover instances where management falls short of specific legal or regulatory requirements.

Directing/Management: Liability - Cases: Examples

Numerous examples illustrate violations of legal standards, which can lead to a loss of funds for a firm.

Directing/Management: Liability - Cases: Examples - Part Two

Illustrates additional scenarios where leadership or management could be held responsible for faults or mistakes made.

Directing and Management: Insurance - Getting Cover

This part discusses how to acquire coverage for managers and administration's potential individual liability issues.
Discusses the benefits of having this type of insurance.

Legal Protection Insurance

This particular insurance protects individuals or businesses in legal proceedings related to various scenarios.
Includes disputes over contracts, damages by third parties, lawsuits, or issues with financial compensation.

Legal Protection Insurance: Business Scope

Covers lawsuits connected to a company's operations, whether employee-related issues, administrative clashes, or disputes involving contracted services.

Legal Protection Contracts: Key Considerations

Provides detailed descriptions of typical legal conflicts, like disputes with vendors, employees, or contractors.

Affinitive Insurance

This type offers additional guarantees linked to specific products or purchases.
The guarantee typically begins at the moment of product acquisition.

Personal Insurance: Health Insurance

Covers medical expenses, hospitalizations, and treatments.

Personal Insurance: Optional Health Plans

These augment basic health coverage and can be tailored to meet specific healthcare needs.

Personal Insurance: Life Insurance

Offers financial support to dependents in the case of the insured person's death.

Personal Insurance: Retirement Savings

Aims to provide funds for retirement financial planning.

Personal Insurance: Accident Insurance

Covers compensation in case of accidents.

Insurance Management Principles: Distribution

Outlines how insurance companies distribute premiums and funds to those with claims.
Provides insight into the calculation and distribution of insurance funds.

Insurance Management Principles: Capitalization

Describes managing insurance funds as financial investments to increase profits.
The accumulation of capital over a specific period.

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Description

Ce cours fait partie d'un programme de licence professionnelle en banque et assurance. Il couvre les environnements économique et professionnel, l'étude approfondie du marché de l'assurance et l'analyse de la concurrence, ainsi que l'application des réglementations légales relatives aux contrats d'assurance.