{"id":5345,"date":"2026-02-04T12:15:18","date_gmt":"2026-02-04T19:15:18","guid":{"rendered":"https:\/\/chf-ca.papercrane.ca\/?page_id=5345"},"modified":"2026-02-25T17:35:22","modified_gmt":"2026-02-26T00:35:22","slug":"mise-au-point-sur-lassurance-commerciale","status":"publish","type":"page","link":"https:\/\/chf-ca.papercrane.ca\/fr\/programmes\/assurance\/mise-au-point-sur-lassurance-commerciale\/","title":{"rendered":"Mise au point sur l\u2019assurance commerciale"},"content":{"rendered":"<section data-pc-section=\"tertiary-hero\" class=\"pc-block-wrapper pc-block-wrapper--default pc-block-wrapper-top--medium pc-block-wrapper-bottom--medium relative pt-24! lg:pt-56! lg:pb-6! flex flex-col lg:flex-row lg:items-center\">\n        \n    <div class=\"pc-container-lg \">\n        <div class=\"flex flex-col lg:flex-row gap-10\">\n            <div class=\"pt-8 lg:py-0 flex-1 flex flex-col items-start max-w-240\" data-stagger='true'>\n                                    <div class=\"inline-flex px-4 py-2 rounded-[120rem] text-base! leading-none tracking-wider font-medium text-dark-blue bg-light-blue mb-3\">\n  Membership\n<\/div>\n                \n                                    <h2 class=\"text-[2rem]! lg:text-[3rem]! font-bold leading-[125%]! mb-4\">Renouvellement du programme d\u2019assurance commerciale pour 2025<\/h2>\n                \n                                    <h3 class=\"mb-4 lg:mb-10 text-2xl! lg:text-[2rem]! leading-[125%]!\">La FHCC et Co-operators entretiennent un partenariat fructueux depuis plus de 40 ans pour offrir de l\u2019assurance commerciale aux membres de la FHCC. <\/h3>\n                                            <\/div>\n                            <div class=\"flex-1 flex lg:items-center\">\n                    <div class=\"wysiwyg\"><h6>Ce programme est exclusif et con\u00e7u sp\u00e9cialement pour r\u00e9pondre aux besoins des membres de la FHCC en mati\u00e8re d\u2019assurance.<\/h6>\n<\/div>\n                <\/div>\n                    <\/div>\n            <\/div>\n<\/section>\n\n\n<section data-pc-section=\"text-and-image\" class=\"pc-block-wrapper pc-block-wrapper--default pc-block-wrapper-top--medium pc-block-wrapper-bottom--medium relative \">\n        <div class=\"pc-container-lg\">\n        <div class=\"flex flex-col lg:flex-row gap-6 lg:gap-10 links-center\" data-stagger='true'>\n                            <div class=\"flex-1 flex relative links-center justify-center items-center \">\n                                                                                    <img decoding=\"async\"\n                        src=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/02\/f20a1c03ab5cdb66c4d84fb67375b0496170e6d4.webp\"\n                        alt=\"\"\n                        class=\"w-full h-80 lg:h-160 max-h-80 lg:max-h-160 rounded-2xl object-cover\"\n                        >\n                                    <\/div>\n                        <div class=\"flex-1 flex flex-col lg:justify-center items-start bg-white pc-shadow-md px-4 py-6 lg:px-8 lg:py-10 rounded-2xl\">\n                \n                                                            <h4 class=\"font-bold! tracking-[0.04rem] mb-4\">Modification de la prime pour 2025<\/h4>\n                                    \n                                    <div class=\"mb-4 wysiwyg\"><p><span style=\"font-weight: 400\">Les membres de la FHCC b\u00e9n\u00e9ficient d\u2019une assurance collective concurrentielle qui leur permet d\u2019\u00e9conomiser sans perdre de protection. Les coop\u00e9ratives peuvent ainsi g\u00e9rer efficacement leurs budgets d\u2019assurance.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">Chaque ann\u00e9e, la FHCC et Co-operators proc\u00e8dent \u00e0 un examen approfondi des demandes d\u2019indemnisation au titre du programme et des r\u00e9percussions futures des changements climatiques afin d\u2019\u00e9tablir les primes requises pour le programme.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">Le renouvellement de\u00a02025 a \u00e9t\u00e9 touch\u00e9 par d\u2019importants sinistres, notamment des incendies, une augmentation des dommages caus\u00e9s par l\u2019eau et des intemp\u00e9ries d\u2019envergure (vent, gr\u00eale et inondations). Les primes annuelles pay\u00e9es par les coop\u00e9ratives sont bas\u00e9es sur des rajustements par r\u00e9gion, sur la sinistralit\u00e9 individuelle et sur la participation au Programme de gestion des risques de la FHCC.<\/span><\/p>\n<\/div>\n                                                                            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n<section data-pc-section=\"icons-section\" class=\"pc-block-wrapper pc-block-wrapper--default pc-block-wrapper-top--medium pc-block-wrapper-bottom--medium relative \">\n        <div class=\"pc-container-lg \">\n        \n        <div class=\"\">\n                                                <h2 class=\"mb-4 text-2xl! lg:text-[2rem]! leading-[125%]! font-bold lg:max-w-240\">Nos priorit\u00e9s sont les suivantes :<\/h2>\n                                                \n                \n                <div class=\"grid grid-cols-1 md:grid-cols-2 lg:grid-cols-4 gap-8 mt-10\" data-stagger='true'>\n                                            <div class=\"flex flex-col gap-6\">\n                                                            <div class=\"w-16 h-16 p-4 bg-light-blue rounded-full flex items-center justify-center\">\n                                    <img decoding=\"async\"\n                                        src=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/02\/Icon.svg\"\n                                        alt=\"\"\n                                        class=\"w-full h-full object-contain\"\n                                    \/>\n                                <\/div>\n                            \n                                                            <div class=\"wysiwyg icon-card-content\"><p><span style=\"font-weight: 400\">Maintenir l\u2019assurance \u00e0 un prix abordable et offrir une protection de grande valeur aux membres de la FHCC;<\/span><\/p>\n<\/div>\n                            \n                                                    <\/div>\n                                            <div class=\"flex flex-col gap-6\">\n                                                            <div class=\"w-16 h-16 p-4 bg-light-blue rounded-full flex items-center justify-center\">\n                                    <img decoding=\"async\"\n                                        src=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/02\/Icon.svg\"\n                                        alt=\"\"\n                                        class=\"w-full h-full object-contain\"\n                                    \/>\n                                <\/div>\n                            \n                                                            <div class=\"wysiwyg icon-card-content\"><p><span style=\"font-weight: 400\">Maintenir une couverture d\u2019assurance qui r\u00e9pond aux besoins des coop\u00e9ratives d\u2019habitation;<\/span><\/p>\n<\/div>\n                            \n                                                    <\/div>\n                                            <div class=\"flex flex-col gap-6\">\n                                                            <div class=\"w-16 h-16 p-4 bg-light-blue rounded-full flex items-center justify-center\">\n                                    <img decoding=\"async\"\n                                        src=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/02\/Icon.svg\"\n                                        alt=\"\"\n                                        class=\"w-full h-full object-contain\"\n                                    \/>\n                                <\/div>\n                            \n                                                            <div class=\"wysiwyg icon-card-content\"><p><span style=\"font-weight: 400\">Int\u00e9grer, sans frais suppl\u00e9mentaires, un programme de gestion des risques pour aider les coop\u00e9ratives \u00e0 r\u00e9duire leurs risques, en vue de rendre les communaut\u00e9s plus s\u00fbres et d\u2019\u00e9viter les r\u00e9clamations co\u00fbteuses et les hausses de primes.<\/span><\/p>\n<\/div>\n                            \n                                                    <\/div>\n                                            <div class=\"flex flex-col gap-6\">\n                                                            <div class=\"w-16 h-16 p-4 bg-light-blue rounded-full flex items-center justify-center\">\n                                    <img decoding=\"async\"\n                                        src=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/02\/Icon.svg\"\n                                        alt=\"\"\n                                        class=\"w-full h-full object-contain\"\n                                    \/>\n                                <\/div>\n                            \n                                                            <div class=\"wysiwyg icon-card-content\"><p><span style=\"font-weight: 400\">Renouvellement et mise \u00e0 jour annuels de l\u2019assurance commerciale des coop\u00e9ratives.<\/span><\/p>\n<\/div>\n                            \n                                                    <\/div>\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n\n<section data-pc-section=\"text-and-image\" class=\"pc-block-wrapper pc-block-wrapper--default pc-block-wrapper-top--medium pc-block-wrapper-bottom--medium relative \">\n        <div class=\"pc-container-lg\">\n        <div class=\"flex flex-col lg:flex-row-reverse gap-6 lg:gap-10 links-center\" data-stagger='true'>\n                            <div class=\"flex-1 flex relative links-center justify-center items-center \">\n                                                                                    <img decoding=\"async\"\n                        src=\"https:\/\/chf-ca.papercrane.ca\/wp-content\/uploads\/2026\/02\/5ca205240fb5ca044d2df87a0faafd54f6cf6d91-scaled.webp\"\n                        alt=\"\"\n                        class=\"w-full h-80 lg:h-160 max-h-80 lg:max-h-160 rounded-2xl object-cover\"\n                        >\n                                    <\/div>\n                        <div class=\"flex-1 flex flex-col lg:justify-center items-start bg-white pc-shadow-md px-4 py-6 lg:px-8 lg:py-10 rounded-2xl\">\n                \n                                                            <h4 class=\"font-bold! tracking-[0.04rem] mb-4\">Participez au Programme de gestion des risques et r\u00e9alisez des \u00e9conomies<\/h4>\n                                    \n                                    <div class=\"mb-4 wysiwyg\"><p><span style=\"font-weight: 400\">La FHCC, en collaboration avec Co-operators, offre un Programme de gestion des risques con\u00e7u pour aider les coop\u00e9ratives \u00e0 r\u00e9duire les risques pour leurs propri\u00e9t\u00e9s. Une baisse de r\u00e9clamations se traduit par une baisse de frais d\u2019assurance pour tout le monde.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">Les coop\u00e9ratives qui participent au Programme de gestion des risques b\u00e9n\u00e9ficient d\u2019une r\u00e9duction sur leurs taux d\u2019assurance au moment du renouvellement. M\u00eame si la date limite pour b\u00e9n\u00e9ficier de la r\u00e9duction pour\u00a02025 est pass\u00e9e, vous pouvez encore participer au programme et b\u00e9n\u00e9ficier d\u2019une r\u00e9duction pour\u00a02026.<\/span><\/p>\n<\/div>\n                                                    <div class=\"flex flex-col lg:flex-row flex-wrap items-start lg:items-center gap-4\">\n                                                                                                                    <a class=\"group inline-flex items-center gap-2 transition-all no-underline! font-semibold group bg-dark-blue text-white px-6 py-3 rounded-sm hover:bg-very-dark-blue\" href=\"https:\/\/chf-ca.papercrane.ca\/?page_id=132\" >\n  En savoir plus\n\n      <svg aria-hidden=\"true\"  class=\"transition-transform translate-x-0 group-hover:translate-x-1\"  xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n  <path d=\"M12 16L16 12M16 12L12 8M16 12H8M22 12C22 17.5228 17.5228 22 12 22C6.47715 22 2 17.5228 2 12C2 6.47715 6.47715 2 12 2C17.5228 2 22 6.47715 22 12Z\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>  <\/a>\n                                                                        <\/div>\n                                                    <p class=\"mt-8 mb-4 text-base font-bold\">Pour conna\u00eetre les primes de renouvellement de 2025 de votre coop\u00e9rative, adressez-vous \u00e0 votre conseill\u00e8re ou conseiller de Co-operators ou \u00e0 votre conseill\u00e8re ou conseiller en comptes commerciaux. <\/p>\n                                            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":0,"parent":5332,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-5345","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - 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