{"id":115,"date":"2023-12-07T11:11:58","date_gmt":"2023-12-07T10:11:58","guid":{"rendered":"https:\/\/msig-europe.be\/fr\/?post_type=msa_product&#038;p=115"},"modified":"2025-11-28T13:31:29","modified_gmt":"2025-11-28T12:31:29","slug":"responsabilite-civile-generale","status":"publish","type":"msa_product","link":"https:\/\/msig-europe.be\/fr\/produits\/responsabilite-civile-generale\/","title":{"rendered":"Responsabilit\u00e9 Civile g\u00e9n\u00e9rale"},"content":{"rendered":"\n\t<div data-name=\"acf\/block-hero\" class=\"alignwide\" >\n\t\t<div data-component=\"hero-image-square\" class=\"flex flex-col gap-8 mt-8 break-words lg:gap-12 xl:gap-44 lg:items-center lg:flex-row lg:mb-12 text-zoom-md:flex-col\">\n\t<div class=\"lg:max-w-[38.75rem]\">\n\t\t<div\n\t\t\tdata-module=\"animate\"\n\t\t\tclass=\"duration-300 translate-y-6 opacity-0\"\n\t\t\tdata-animate-classes=\"[&quot;opacity-100!&quot;,&quot;translate-y-0!&quot;]\"\n\t\t\tdata-animate-after=\"100\"\n\t\t>\n\t\t\t<h1 class=\"mb-3 text-xl font-normal sm:text-2xl lg:text-3xl md:mb-6 font-heading\">Responsabilit\u00e9 Civile g\u00e9n\u00e9rale<\/h1>\n\t\t<\/div>\n\n\t\t\t\t\t<div class=\"flex flex-col gap-10\">\n\n\t\t\t\t<div\n\t\t\t\t\tdata-module=\"animate\"\n\t\t\t\t\tclass=\"duration-300 translate-y-6 opacity-0\"\n\t\t\t\t\tdata-animate-classes=\"[&quot;opacity-100!&quot;,&quot;translate-y-0!&quot;]\"\n\t\t\t\t\tdata-animate-after=\"150\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"text-md sm:text-lg\">\n\t\t\t\t\t\t<p>Forts de notre pr\u00e9sence sur ce march\u00e9 depuis de nombreuses ann\u00e9es, nous disposons d\u2019une expertise solide pour apporter \u00e0 nos partenaires, pour chaque entreprise, notre conseil et des solutions adapt\u00e9es. En plus de couvrir les activit\u00e9s classiques, nous avons la capacit\u00e9 d\u2019adapter notre couverture responsabilit\u00e9 civile en sur-mesure pour des risques sp\u00e9cifiques.<\/p>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t<div class=\"mx-auto lg:mt-8 lg:order-first xl:shrink-0 lg:mx-0 xl:ml-12\">\n\t\t<div class=\"max-w-[25rem]\">\n\t\t\t<div class=\"relative\">\n\t<div\n\t\tdata-module=\"animate\"\n\t\tdata-animate-classes=\"[&quot;opacity-100!&quot;,&quot;scale-100!&quot;]\"\n\t\tclass=\"relative p-10 duration-500 scale-75 opacity-0 image:aspect-square image:rounded-full image:w-full image:h-full image:object-cover\"\n\t>\n\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"990\" height=\"990\" src=\"https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2023\/12\/ResponsabilitieCilvielGeneral-990x990.webp\" class=\"attachment-large-square size-large-square\" alt=\"\" loading=\"eager\" sizes=\"(max-width: 1023px) 320px, 600px\" srcset=\"https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2023\/12\/ResponsabilitieCilvielGeneral-990x990.webp 990w, https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2023\/12\/ResponsabilitieCilvielGeneral-150x150.webp 150w, https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2023\/12\/ResponsabilitieCilvielGeneral-495x495.webp 495w\" \/>\n\t<\/div>\n\t<img\n\t\tdata-module=\"animate\"\n\t\tdata-animate-classes=\"[&quot;rotate-0!&quot;]\"\n\t\tclass=\"absolute inset-0 object-cover w-full h-full duration-500 -rotate-12 z-[1]\"\n\t\tsrc=\"https:\/\/msig-europe.be\/fr\/wp-content\/themes\/msig-europe\/public\/svg\/hero-shape.svg\"\n\t\twidth=\"630\"\n\t\theight=\"630\"\n\t\talt=\"\"\n\t\/>\n<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\t<\/div>\n\n\n\n<p><\/p>\n\n\n\n\t<div data-name=\"acf\/block-usps\" class=\"alignfull block\" >\n\t\t<div class=\"relative py-6 md:py-14 bg-base-100 xl:md:py-[90px]\">\n\n\t\t\t<div class=\"absolute -right-[220px] -top-[80px] xl:-top-[120px] pointer-events-none\" aria-hidden=\"true\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"w-[360px] h-[360px] xl:w-[440px] xl:h-[440px]\" width=\"50\" height=\"46\" viewBox=\"0 0 400 370\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M197.788 369.7c-14.8 0-29.5-4.9-42.6-14.5-23.2-17.2-47.201-37.1-74.1-62.6-26.9-25.5-47.9-48.1-66-70.1-20-24.2-20.4-54.7.5-78.2 18.5-21.6 39.9-44 67.3-69 27.3-25 51.699-44.5 75.199-61.3 13-9.3 27.701-14 42.301-14 14.7 0 29.3 4.8 42 14.6 23.2 17.2 47.299 37.2 74.199 62.7s48.001 48.2 66.101 70.1c21.3 25.8 21 52.9-.8 78.3-18.5 21.6-39.901 43.9-67.301 69-27.4 25-51.599 44.5-75.199 61.2-12.8 9.3-27.2 13.8-41.6 13.8Z\" fill=\"#1B1464\" fill-opacity=\".07\"\/><\/svg>\n\n\t\t\t\t<svg aria-hidden=\"true\" class=\"relative w-[110px] h-[110px] -top-[335px] left-[5px] xl:h-[140px] xl:w-[140px] xl:-top-[425px]\" width=\"50\" height=\"46\" viewBox=\"0 0 400 370\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M197.788 369.7c-14.8 0-29.5-4.9-42.6-14.5-23.2-17.2-47.201-37.1-74.1-62.6-26.9-25.5-47.9-48.1-66-70.1-20-24.2-20.4-54.7.5-78.2 18.5-21.6 39.9-44 67.3-69 27.3-25 51.699-44.5 75.199-61.3 13-9.3 27.701-14 42.301-14 14.7 0 29.3 4.8 42 14.6 23.2 17.2 47.299 37.2 74.199 62.7s48.001 48.2 66.101 70.1c21.3 25.8 21 52.9-.8 78.3-18.5 21.6-39.901 43.9-67.301 69-27.4 25-51.599 44.5-75.199 61.2-12.8 9.3-27.2 13.8-41.6 13.8Z\" fill=\"#1B1464\" fill-opacity=\".07\"\/><\/svg>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"ll-container\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t<div class=\"flex flex-col gap-8 xl:grid xl:grid-cols-12\">\n\t\t\t\t\t<h2 class=\"text-xl font-light text-marine md:text-2xl xl:text-3xl break-words xl:col-span-3 sm:max-w-4xl lg:max-w-5xl\">Nos atouts<\/h2>\n\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<ul class=\"grid grid-cols-1 gap-8 md:grid-cols-2 xl:gap-y-16 xl:gap-x-8 xl:col-span-9\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t<div data-component=\"USP\" class=\"flex items-start w-full gap-4 break-words\">\n\t<div class=\"relative w-[56px] h-[52px] xl:w-[75px] xl:h-[69px]\">\n\t\t<svg aria-hidden=\"true\" class=\"w-[56px] h-[52px] xl:w-[75px] xl:h-[69px]\" width=\"76\" height=\"72\" viewBox=\"0 0 76 72\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"m4.04 42.282-.003-.003c-3.376-4.114-3.41-9.146.06-13.074l.01-.01.009-.01c3.488-4.101 7.527-8.359 12.709-13.12l.002-.001c5.163-4.76 9.77-8.467 14.203-11.658C33.266 2.796 35.766 2 38.221 2c2.467 0 4.929.808 7.091 2.488l.012.01.011.008c4.375 3.266 8.926 7.067 14.014 11.924 5.092 4.86 9.074 9.175 12.484 13.329 1.865 2.274 2.688 4.483 2.667 6.58-.022 2.099-.891 4.293-2.801 6.533l-.001.001c-3.486 4.099-7.525 8.337-12.71 13.12-5.186 4.764-9.754 8.469-14.198 11.635l-.008.006-.007.005C42.587 69.24 40.149 70 37.725 70c-2.479 0-4.973-.824-7.231-2.49-4.374-3.265-8.905-7.047-13.992-11.902-5.091-4.86-9.054-9.154-12.463-13.326Z\"  stroke=\"#E11F27\" stroke-width=\"3\" fill=\"transparent\"\/><\/svg>\n\n\t\t<div class=\"absolute -translate-x-1\/2 -translate-y-1\/2 top-1\/2 left-1\/2\">\n\t\t\t<span class=\"icon icon-check-fat text-md xl:text-lg text-marine\" aria-hidden=\"true\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M20.81 5.94a1.5 1.5 0 0 1 0 2.12l-10.5 10.5a1.5 1.5 0 0 1-2.12 0l-5.25-5.25a1.5 1.5 0 0 1 2.12-2.12l4.19 4.189 9.44-9.44a1.5 1.5 0 0 1 2.12 0Z\"\/><\/svg>\n<\/span>\n\t\t<\/div>\n\t<\/div>\n\t<div class=\"flex flex-col min-w-0 gap-2\">\n\t\t<h3 class=\"font-semibold text-md xl:text-lg\">Une relation durable avec nos courtiers.<\/h3>\n\t\t<div class=\"ll-wysiwyg-small\">\n\t\t\t<p>La volont\u00e9 de d\u00e9velopper des relations solides et p\u00e9rennes.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t<div data-component=\"USP\" class=\"flex items-start w-full gap-4 break-words\">\n\t<div class=\"relative w-[56px] h-[52px] xl:w-[75px] xl:h-[69px]\">\n\t\t<svg aria-hidden=\"true\" class=\"w-[56px] h-[52px] xl:w-[75px] xl:h-[69px]\" width=\"76\" height=\"72\" viewBox=\"0 0 76 72\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"m4.04 42.282-.003-.003c-3.376-4.114-3.41-9.146.06-13.074l.01-.01.009-.01c3.488-4.101 7.527-8.359 12.709-13.12l.002-.001c5.163-4.76 9.77-8.467 14.203-11.658C33.266 2.796 35.766 2 38.221 2c2.467 0 4.929.808 7.091 2.488l.012.01.011.008c4.375 3.266 8.926 7.067 14.014 11.924 5.092 4.86 9.074 9.175 12.484 13.329 1.865 2.274 2.688 4.483 2.667 6.58-.022 2.099-.891 4.293-2.801 6.533l-.001.001c-3.486 4.099-7.525 8.337-12.71 13.12-5.186 4.764-9.754 8.469-14.198 11.635l-.008.006-.007.005C42.587 69.24 40.149 70 37.725 70c-2.479 0-4.973-.824-7.231-2.49-4.374-3.265-8.905-7.047-13.992-11.902-5.091-4.86-9.054-9.154-12.463-13.326Z\"  stroke=\"#E11F27\" stroke-width=\"3\" fill=\"transparent\"\/><\/svg>\n\n\t\t<div class=\"absolute -translate-x-1\/2 -translate-y-1\/2 top-1\/2 left-1\/2\">\n\t\t\t<span class=\"icon icon-check-fat text-md xl:text-lg text-marine\" aria-hidden=\"true\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M20.81 5.94a1.5 1.5 0 0 1 0 2.12l-10.5 10.5a1.5 1.5 0 0 1-2.12 0l-5.25-5.25a1.5 1.5 0 0 1 2.12-2.12l4.19 4.189 9.44-9.44a1.5 1.5 0 0 1 2.12 0Z\"\/><\/svg>\n<\/span>\n\t\t<\/div>\n\t<\/div>\n\t<div class=\"flex flex-col min-w-0 gap-2\">\n\t\t<h3 class=\"font-semibold text-md xl:text-lg\">Des \u00e9quipes exp\u00e9riment\u00e9es et pro-actives.<\/h3>\n\t\t<div class=\"ll-wysiwyg-small\">\n\t\t\t<p>Des souscripteurs seniors et experts dans leur domaine, un service sinistre performant ayant la qualit\u00e9 du service client \u00e0 c\u0153ur.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t<div data-component=\"USP\" class=\"flex items-start w-full gap-4 break-words\">\n\t<div class=\"relative w-[56px] h-[52px] xl:w-[75px] xl:h-[69px]\">\n\t\t<svg aria-hidden=\"true\" class=\"w-[56px] h-[52px] xl:w-[75px] xl:h-[69px]\" width=\"76\" height=\"72\" viewBox=\"0 0 76 72\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"m4.04 42.282-.003-.003c-3.376-4.114-3.41-9.146.06-13.074l.01-.01.009-.01c3.488-4.101 7.527-8.359 12.709-13.12l.002-.001c5.163-4.76 9.77-8.467 14.203-11.658C33.266 2.796 35.766 2 38.221 2c2.467 0 4.929.808 7.091 2.488l.012.01.011.008c4.375 3.266 8.926 7.067 14.014 11.924 5.092 4.86 9.074 9.175 12.484 13.329 1.865 2.274 2.688 4.483 2.667 6.58-.022 2.099-.891 4.293-2.801 6.533l-.001.001c-3.486 4.099-7.525 8.337-12.71 13.12-5.186 4.764-9.754 8.469-14.198 11.635l-.008.006-.007.005C42.587 69.24 40.149 70 37.725 70c-2.479 0-4.973-.824-7.231-2.49-4.374-3.265-8.905-7.047-13.992-11.902-5.091-4.86-9.054-9.154-12.463-13.326Z\"  stroke=\"#E11F27\" stroke-width=\"3\" fill=\"transparent\"\/><\/svg>\n\n\t\t<div class=\"absolute -translate-x-1\/2 -translate-y-1\/2 top-1\/2 left-1\/2\">\n\t\t\t<span class=\"icon icon-check-fat text-md xl:text-lg text-marine\" aria-hidden=\"true\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M20.81 5.94a1.5 1.5 0 0 1 0 2.12l-10.5 10.5a1.5 1.5 0 0 1-2.12 0l-5.25-5.25a1.5 1.5 0 0 1 2.12-2.12l4.19 4.189 9.44-9.44a1.5 1.5 0 0 1 2.12 0Z\"\/><\/svg>\n<\/span>\n\t\t<\/div>\n\t<\/div>\n\t<div class=\"flex flex-col min-w-0 gap-2\">\n\t\t<h3 class=\"font-semibold text-md xl:text-lg\">Couverture \u00e0 l\u2019international.<\/h3>\n\t\t<div class=\"ll-wysiwyg-small\">\n\t\t\t<p>Une couverture au-del\u00e0 de la Belgique gr\u00e2ce \u00e0 notre r\u00e9seau international.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t<div data-component=\"USP\" class=\"flex items-start w-full gap-4 break-words\">\n\t<div class=\"relative w-[56px] h-[52px] xl:w-[75px] xl:h-[69px]\">\n\t\t<svg aria-hidden=\"true\" class=\"w-[56px] h-[52px] xl:w-[75px] xl:h-[69px]\" width=\"76\" height=\"72\" viewBox=\"0 0 76 72\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"m4.04 42.282-.003-.003c-3.376-4.114-3.41-9.146.06-13.074l.01-.01.009-.01c3.488-4.101 7.527-8.359 12.709-13.12l.002-.001c5.163-4.76 9.77-8.467 14.203-11.658C33.266 2.796 35.766 2 38.221 2c2.467 0 4.929.808 7.091 2.488l.012.01.011.008c4.375 3.266 8.926 7.067 14.014 11.924 5.092 4.86 9.074 9.175 12.484 13.329 1.865 2.274 2.688 4.483 2.667 6.58-.022 2.099-.891 4.293-2.801 6.533l-.001.001c-3.486 4.099-7.525 8.337-12.71 13.12-5.186 4.764-9.754 8.469-14.198 11.635l-.008.006-.007.005C42.587 69.24 40.149 70 37.725 70c-2.479 0-4.973-.824-7.231-2.49-4.374-3.265-8.905-7.047-13.992-11.902-5.091-4.86-9.054-9.154-12.463-13.326Z\"  stroke=\"#E11F27\" stroke-width=\"3\" fill=\"transparent\"\/><\/svg>\n\n\t\t<div class=\"absolute -translate-x-1\/2 -translate-y-1\/2 top-1\/2 left-1\/2\">\n\t\t\t<span class=\"icon icon-check-fat text-md xl:text-lg text-marine\" aria-hidden=\"true\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M20.81 5.94a1.5 1.5 0 0 1 0 2.12l-10.5 10.5a1.5 1.5 0 0 1-2.12 0l-5.25-5.25a1.5 1.5 0 0 1 2.12-2.12l4.19 4.189 9.44-9.44a1.5 1.5 0 0 1 2.12 0Z\"\/><\/svg>\n<\/span>\n\t\t<\/div>\n\t<\/div>\n\t<div class=\"flex flex-col min-w-0 gap-2\">\n\t\t<h3 class=\"font-semibold text-md xl:text-lg\">Des solutions sur-mesure.<\/h3>\n\t\t<div class=\"ll-wysiwyg-small\">\n\t\t\t<p>Une approche personnalis\u00e9e pour les risques sp\u00e9cifiques, un portefeuille diversifi\u00e9 avec des sp\u00e9cialit\u00e9s dans certains march\u00e9s<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"absolute -left-[150px] -bottom-[80px] md:-left-[120px] md:-bottom-[60px] xl:-left-[180px] pointer-events-none\" aria-hidden=\"true\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"w-[300px] h-[300px] xl:w-[400px] xl:h-[400px]\" width=\"50\" height=\"46\" viewBox=\"0 0 400 370\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M197.788 369.7c-14.8 0-29.5-4.9-42.6-14.5-23.2-17.2-47.201-37.1-74.1-62.6-26.9-25.5-47.9-48.1-66-70.1-20-24.2-20.4-54.7.5-78.2 18.5-21.6 39.9-44 67.3-69 27.3-25 51.699-44.5 75.199-61.3 13-9.3 27.701-14 42.301-14 14.7 0 29.3 4.8 42 14.6 23.2 17.2 47.299 37.2 74.199 62.7s48.001 48.2 66.101 70.1c21.3 25.8 21 52.9-.8 78.3-18.5 21.6-39.901 43.9-67.301 69-27.4 25-51.599 44.5-75.199 61.2-12.8 9.3-27.2 13.8-41.6 13.8Z\" fill=\"#1B1464\" fill-opacity=\".07\"\/><\/svg>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Les risques couverts<strong>&nbsp;<\/strong><\/h2>\n\n\n\n<p>Nous pouvons couvrir l\u2019ensemble des risques de responsabilit\u00e9 civile:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Responsabilit\u00e9 Civile Exploitation<\/li>\n\n\n\n<li>Responsabilit\u00e9 civile apr\u00e8s livraison associ\u00e9e aux produits livr\u00e9s et\/ou services rendus<\/li>\n\n\n\n<li>Garantie des objets confi\u00e9s<\/li>\n\n\n\n<li>De nombreuses extensions possibles comme le rappel de produit, extension pour les dommages immat\u00e9riels, pose-d\u00e9pose&nbsp;&nbsp;&nbsp;<\/li>\n\n\n\n<li>Notre assurance protection juridique compl\u00e9mentaire couvre les frais de d\u00e9pense p\u00e9nale, recours civil, insolvabilit\u00e9 des tiers, avance sur indemnit\u00e9.<\/li>\n<\/ul>\n\n\n\n<p>Nous couvrons la <a href=\"https:\/\/msig-europe.be\/fr\/produits\/responsabilite-civile-professionnelle-2\/\">Responsabilit\u00e9 Civile professionnelle<\/a> (RC Pro) de nombreuses professions.&nbsp;<\/p>\n\n\n\n<p>En compl\u00e9ment nous proposons l\u2019assurance de la<a href=\"https:\/\/msig-europe.be\/fr\/produits\/directors-officers-insurance\/\"> responsabilit\u00e9 des dirigeants<\/a> et la RC environnement.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Cible<\/h2>\n\n\n\n<p>Notre offre s\u2019adresse \u00e0 toutes les entreprises industrielles et commerciales, de la PME \u00e0&nbsp;la grande entreprise. Nos clients se retrouvent typiquement dans les secteurs de l\u2019industrie et des services.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Informations de souscription<\/h3>\n\n\n\n<p><strong>Capacit\u00e9s<\/strong> en ap\u00e9rition ou co-assurance\u200b<\/p>\n\n\n\n<p>\u200b<strong>P\u00e9rim\u00e8tre g\u00e9ographique <\/strong>: Belgique ainsi que l\u2019ensemble des pays de notre&nbsp;r\u00e9seau international\u200b<\/p>\n\n\n\n<p>\u200b<strong>Prime minimum&nbsp;<\/strong>: 5 000&nbsp;Euros<\/p>\n\n\n\n<p><strong>Exclusions ou risques non souhait\u00e9s<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L\u2019industrie nucl\u00e9aire\u202f\u200b&nbsp;<\/li>\n\n\n\n<li>L\u2019extraction de combustibles liquides ou gazeux ou solide en souterrain\u202f\u200b&nbsp;<\/li>\n\n\n\n<li>L\u2019industrie a\u00e9ronautique ou spatiale\u202f\u200b&nbsp;<\/li>\n\n\n\n<li>L\u2019industrie du tabac\u202f\u200b&nbsp;<\/li>\n\n\n\n<li>La fabrication ou vente d\u2019armes ou munitions\u202f\u200b&nbsp;<\/li>\n\n\n\n<li>Les activit\u00e9s li\u00e9es \u00e0 l\u2019amiante\u202f\u200b&nbsp;<\/li>\n\n\n\n<li>L\u2019exploitations de plateformes off-shore\u202f\u200b&nbsp;<\/li>\n\n\n\n<li>Les risques agricoles\u202f\u200b&nbsp;<\/li>\n\n\n\n<li>Les r\u00e9seaux de transmission et de distribution d\u2019\u00e9nergie ou de t\u00e9l\u00e9communication&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><strong>Pour compl\u00e9ter la couverture de l\u2019entreprise<\/strong>, nous proposons l\u2019assurance de la <a href=\"https:\/\/msig-europe.be\/fr\/produits\/directors-officers-insurance\/\">responsabilit\u00e9 des dirigeants<\/a> et la RC environnementale en cas d\u2019atteinte \u00e0 l\u2019environnement.&nbsp;<\/p>\n\n\n\n<p>*<em>Information simplifi\u00e9e, se r\u00e9f\u00e9rer aux documents contractuels pour le d\u00e9tail des garanties et conditions<\/em><\/p>\n\n\n\n\t<div data-name=\"acf\/block-people\" class=\"align block\" >\n\t\t\n\t\t<div class=\"flex flex-col gap-4\">\n\n\t\t\t\t\t\t\t<h2 class=\"mb-4 text-lg font-semibold font-heading text-marine\">Contacts<\/h2>\n\t\t\t\n\t\t\t<ul class=\"grid items-stretch grid-cols-1 gap-4 sm:gap-8 \">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<li>\n\t\t\t\t\t\t<div data-component=\"teaser-person\" class=\"@container\/person h-full relative bg-base-100 p-6 text-base rounded-lg\">\n\t<div class=\"flex flex-wrap items-start gap-4 sm:gap-6\">\n\n\t\t\t\t\t<div class=\"relative w-[100px] h-[93px] @md\/person:w-[130px] @md\/person:h-[120px]\">\n\t\t\t\t<div class=\"[mask-image:url('..\/images\/diamond-mask-image.svg')] [mask-size:contain] [mask-repeat:no-repeat] w-[100px] h-[93px] @md\/person:w-[130px] @md\/person:h-[120px] relative z-2\">\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2024\/01\/Lieven.compressed-150x150.png\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" srcset=\"https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2024\/01\/Lieven.compressed-150x150.png 150w, https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2024\/01\/Lieven.compressed-300x300.png 300w, https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2024\/01\/Lieven.compressed-495x495.png 495w, https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2024\/01\/Lieven.compressed.png 600w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"absolute top-[2px] right-0 @md\/person:top-[5px] @md\/person:-right-[10px] pointer-events-none\" aria-hidden=\"true\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"w-[35px] h-[35px] @md\/person:w-[50px] @md\/person:h-[50px]\" width=\"50\" height=\"46\" viewBox=\"0 0 400 370\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M197.788 369.7c-14.8 0-29.5-4.9-42.6-14.5-23.2-17.2-47.201-37.1-74.1-62.6-26.9-25.5-47.9-48.1-66-70.1-20-24.2-20.4-54.7.5-78.2 18.5-21.6 39.9-44 67.3-69 27.3-25 51.699-44.5 75.199-61.3 13-9.3 27.701-14 42.301-14 14.7 0 29.3 4.8 42 14.6 23.2 17.2 47.299 37.2 74.199 62.7s48.001 48.2 66.101 70.1c21.3 25.8 21 52.9-.8 78.3-18.5 21.6-39.901 43.9-67.301 69-27.4 25-51.599 44.5-75.199 61.2-12.8 9.3-27.2 13.8-41.6 13.8Z\" fill=\"#E11F27\" fill-opacity=\"0.8\"\/><\/svg>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"absolute top-[1px] right-[20px] z-3 @md\/person:right-[24px] pointer-events-none\" aria-hidden=\"true\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"w-[20px] h-[20px] @md\/person:w-[30px] @md\/person:h-[30px]\" width=\"50\" height=\"46\" viewBox=\"0 0 400 370\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M197.788 369.7c-14.8 0-29.5-4.9-42.6-14.5-23.2-17.2-47.201-37.1-74.1-62.6-26.9-25.5-47.9-48.1-66-70.1-20-24.2-20.4-54.7.5-78.2 18.5-21.6 39.9-44 67.3-69 27.3-25 51.699-44.5 75.199-61.3 13-9.3 27.701-14 42.301-14 14.7 0 29.3 4.8 42 14.6 23.2 17.2 47.299 37.2 74.199 62.7s48.001 48.2 66.101 70.1c21.3 25.8 21 52.9-.8 78.3-18.5 21.6-39.901 43.9-67.301 69-27.4 25-51.599 44.5-75.199 61.2-12.8 9.3-27.2 13.8-41.6 13.8Z\" fill=\"#1B1464\" fill-opacity=\"0.8\"\/><\/svg>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\n\t\t<div class=\"flex flex-col gap-4 min-w-[200px]\">\n\t\t\t<div class=\"flex flex-col gap-2\">\n\t\t\t\t\t\t\t\t<h3 class=\"font-semibold break-words text-md sm:text-lg md:text-md text-marine\">\n\t\t\t\t\tLieven Depaepe\n\t\t\t\t<\/h3>\n\n\t\t\t\t\t\t\t\t\t<div class=\"break-words\">\n\t\t\t\t\t\tLead Underwriter Casualty &amp; Head of Casualty\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<div class=\"mt-auto\">\n\t\t\t\t\t<ul class=\"flex flex-col gap-2\">\n\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"flex items-center gap-1\">\n\t\t\t\t\t\t\t\t<span class=\"text-[20px] icon\" aria-hidden=\"true\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M21 4.5H3a.75.75 0 0 0-.75.75V18a1.5 1.5 0 0 0 1.5 1.5h16.5a1.5 1.5 0 0 0 1.5-1.5V5.25A.75.75 0 0 0 21 4.5Zm-9 7.983L4.928 6h14.144L12 12.483ZM9.254 12 3.75 17.045V6.955L9.254 12Zm1.11 1.017 1.125 1.036a.75.75 0 0 0 1.014 0l1.125-1.036L19.066 18H4.928l5.436-4.983ZM14.746 12l5.504-5.046v10.092L14.746 12Z\"\/><\/svg>\n<\/span>\n\t\t\t\t\t\t\t\t<a href=\"mailto:lieven.depaepe@msig-europe.com\" class=\"relative z-20 text-base underline break-all hocus:no-underline\" aria-label=\"Envoyez-moi un courriel, envoyer un courriel \u00e0 lieven.depaepe@msig-europe.com\">\n\t\t\t\t\t\t\t\t\tEnvoyez-moi un courriel\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\n\t\t\t\t\t<\/div>\n\t<\/div>\n\n\n\n\t<div data-name=\"acf\/block-featured-links\" class=\"align block\" >\n\n\t\t<div class=\"flex flex-col gap-4\">\n\t\t\t\t\t\t\t<h2 class=\"font-semibold text-md lg:text-lg\">En savoir plus<\/h2>\n\t\t\t\n\t\t\t<ul class=\"flex flex-wrap gap-4\">\n\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\n\n\n\n\n\n<a\n\tclass=\"group hocus:no-underline btn btn-outline  \"\n\t\t\thref=\"https&#x3A;&#x2F;&#x2F;msig-europe.be&#x2F;fr&#x2F;responsabilite-civile-generale-documents&#x2F;\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t>\n\t\n\t\t\t<span data-button-text class=\"group-hover:underline group-focus-visible:underline group-active:no-underline!\">\n\t\t\tResponsabilit\u00e9 Civile g\u00e9n\u00e9rale \u2013 Documents\n\t\t<\/span>\n\n\t\t\n\t\n\t\n\t\t\t\n\t\t\t\t\t\n\t\n\t\t\t<span class=\"transition-transform group-hover:translate-x-0.5 group-focus-visible:translate-x-0.5 flex items-center justify-center icon group-expanded:hidden\" aria-hidden=\"true\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"m21.046 12.796-6.75 6.75a1.127 1.127 0 1 1-1.594-1.594l4.83-4.827H3.75a1.125 1.125 0 1 1 0-2.25h13.781l-4.827-4.83a1.127 1.127 0 1 1 1.594-1.594l6.75 6.75a1.125 1.125 0 0 1-.002 1.595Z\"\/><\/svg>\n<\/span>\n\n\t\t\t\n\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t<\/div>\n\t<\/div>\n\n\n\n\t<div data-name=\"acf\/block-products\" class=\"align block\" >\n\t\t\n\t\t<div class=\"flex flex-col gap-4\">\n\n\t\t\t\t\t\t\t<h2 class=\"mb-4 text-lg font-semibold font-heading text-marine\">Offres compl\u00e9mentaires<\/h2>\n\t\t\t\n\t\t\t<ul class=\"grid items-stretch grid-cols-1 gap-4 sm:gap-8 lg:grid-cols-4 text-zoom-lg:grid-cols-2\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<li>\n\t\t\t\t\t\t<div data-component=\"teaser-product\" class=\"relative flex flex-col h-full overflow-hidden rounded-lg bg-marine sm:flex-row lg:p-0 lg:gap-0 lg:flex-col hocus:-translate-y-0.5 transition-transform break-words\">\n\n\t\t\t<div class=\"overflow-hidden image:w-full image:object-cover aspect-video md:max-w-[306px] lg:max-w-none\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2024\/01\/Peoplemeeting-1024x683.jpg\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2024\/01\/Peoplemeeting-1024x683.jpg 1024w, https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2024\/01\/Peoplemeeting-300x200.jpg 300w, https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2024\/01\/Peoplemeeting-768x512.jpg 768w, https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2024\/01\/Peoplemeeting-1536x1024.jpg 1536w, https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2024\/01\/Peoplemeeting-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\n\t\t<\/div>\n\t\n\t<div class=\"flex flex-col gap-4 p-6 md:p-10 lg:p-6\">\n\t\t<div class=\"flex flex-col\">\n\t\t\t<div class=\"order-2\">\n\t\t\t\t\t\t\t\t<h3 class=\"font-semibold text-md sm:text-lg md:text-lg lg:text-md\">\n\t\t\t\t\t<a href=\"https:\/\/msig-europe.be\/fr\/produits\/directors-officers-insurance\/\" class=\"absolute-link hocus:underline text-base-50\">\n\t\t\t\t\t\tResponsabilit\u00e9 du dirigeant\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/h3>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<div class=\"mb-2 md:mb-4\">\n\t\t\t\t\t\t\t\t\t\n\t<ul data-component=\"list-badges\" class=\"flex flex-wrap gap-2 items-center text-sm\" aria-label=\"Plac\u00e9 dans le type d'assurance\">\n\t\t\t\t\t<li class=\"min-w-0\">\n\t\t\t\t\t\n\n\n\t<div  data-component=\"badge\" class=\"text-sm font-semibold relative border-2 py-[1px] px-2 rounded-xl bg-transparent border-base-50 text-base-50 \">\n\t\tCasualty\n\t<\/div>\n\t\t\t<\/li>\n\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<li>\n\t\t\t\t\t\t<div data-component=\"teaser-product\" class=\"relative flex flex-col h-full overflow-hidden rounded-lg bg-marine sm:flex-row lg:p-0 lg:gap-0 lg:flex-col hocus:-translate-y-0.5 transition-transform break-words\">\n\n\t\t\t<div class=\"overflow-hidden image:w-full image:object-cover aspect-video md:max-w-[306px] lg:max-w-none\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2024\/01\/WomanShakingHands-1024x683.jpg\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2024\/01\/WomanShakingHands-1024x683.jpg 1024w, https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2024\/01\/WomanShakingHands-300x200.jpg 300w, https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2024\/01\/WomanShakingHands-768x512.jpg 768w, https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2024\/01\/WomanShakingHands-1536x1024.jpg 1536w, https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2024\/01\/WomanShakingHands-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\n\t\t<\/div>\n\t\n\t<div class=\"flex flex-col gap-4 p-6 md:p-10 lg:p-6\">\n\t\t<div class=\"flex flex-col\">\n\t\t\t<div class=\"order-2\">\n\t\t\t\t\t\t\t\t<h3 class=\"font-semibold text-md sm:text-lg md:text-lg lg:text-md\">\n\t\t\t\t\t<a href=\"https:\/\/msig-europe.be\/fr\/produits\/responsabilite-civile-professionnelle-2\/\" class=\"absolute-link hocus:underline text-base-50\">\n\t\t\t\t\t\tResponsabilit\u00e9 civile professionnelle\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/h3>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<div class=\"mb-2 md:mb-4\">\n\t\t\t\t\t\t\t\t\t\n\t<ul data-component=\"list-badges\" class=\"flex flex-wrap gap-2 items-center text-sm\" aria-label=\"Plac\u00e9 dans le type d'assurance\">\n\t\t\t\t\t<li class=\"min-w-0\">\n\t\t\t\t\t\n\n\n\t<div  data-component=\"badge\" class=\"text-sm font-semibold relative border-2 py-[1px] px-2 rounded-xl bg-transparent border-base-50 text-base-50 \">\n\t\tCasualty\n\t<\/div>\n\t\t\t<\/li>\n\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\n\t\t\t\t\t<\/div>\n\t<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Les risques couverts&nbsp; Nous pouvons couvrir l\u2019ensemble des risques de responsabilit\u00e9 civile: Nous couvrons la Responsabilit\u00e9 Civile professionnelle (RC Pro) de nombreuses professions.&nbsp; En compl\u00e9ment nous proposons l\u2019assurance de la responsabilit\u00e9 des dirigeants et la RC environnement. Cible Notre offre s\u2019adresse \u00e0 toutes les entreprises industrielles et commerciales, de la PME \u00e0&nbsp;la grande entreprise. Nos [&hellip;]<\/p>\n","protected":false},"featured_media":232,"parent":0,"menu_order":0,"template":"","meta":{"_acf_changed":false,"editor_notices":[]},"msa_insurance_type_tax":[25],"msa_internal_label":[7],"class_list":["post-115","msa_product","type-msa_product","status-publish","has-post-thumbnail","hentry","msa_insurance_type_tax-casualty","msa_internal_label-broker"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Assurance responsabilit\u00e9 civile g\u00e9n\u00e9rale : prot\u00e9gez votre entreprise - MSIG Europe<\/title>\n<meta name=\"description\" content=\"Prot\u00e9gez votre soci\u00e9t\u00e9 contre les risques li\u00e9s \u00e0 vos activit\u00e9s gr\u00e2ce \u00e0 une assurance responsabilit\u00e9 civile g\u00e9n\u00e9rale compl\u00e8te et sur mesure.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/msig-europe.be\/fr\/produits\/responsabilite-civile-generale\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Assurance responsabilit\u00e9 civile g\u00e9n\u00e9rale : prot\u00e9gez votre entreprise - 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