{"id":1484,"date":"2026-10-13T08:34:00","date_gmt":"2026-10-13T06:34:00","guid":{"rendered":"https:\/\/msig-europe.be\/fr\/?p=1484"},"modified":"2026-10-13T22:56:53","modified_gmt":"2026-10-13T20:56:53","slug":"captives-assurance-piloter-les-risques","status":"publish","type":"post","link":"https:\/\/msig-europe.be\/fr\/actualite\/captives-assurance-piloter-les-risques\/","title":{"rendered":"Les captives : de l&rsquo;outil de financement \u00e0 l&rsquo;acc\u00e9l\u00e9rateur de gestion des risques"},"content":{"rendered":"\n<p class=\"has-intro-font-size\">Pendant de nombreuses ann\u00e9es, les captives d&rsquo;assurance et de r\u00e9assurance ont \u00e9t\u00e9 principalement per\u00e7ues comme une r\u00e9ponse aux march\u00e9s d&rsquo;assurance difficiles, marqu\u00e9s par la hausse des primes, la r\u00e9duction des capacit\u00e9s et le durcissement des conditions de souscription.<\/p>\n\n\n<figure class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2026\/10\/iStock-833330560-scaled.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" srcset=\"https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2026\/10\/iStock-833330560-scaled.jpg 2560w, https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2026\/10\/iStock-833330560-300x200.jpg 300w, https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2026\/10\/iStock-833330560-1024x683.jpg 1024w, https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2026\/10\/iStock-833330560-768x512.jpg 768w, https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2026\/10\/iStock-833330560-1536x1024.jpg 1536w, https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2026\/10\/iStock-833330560-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/><\/figure>\n\n\n<p>Aujourd&rsquo;hui, alors que de nombreux segments du march\u00e9 retrouvent davantage de souplesse et de concurrence entre assureurs, les motivations des entreprises \u00e9voluent. La captive n&rsquo;est plus uniquement un instrument de ma\u00eetrise des co\u00fbts ou d&rsquo;acc\u00e8s \u00e0 la capacit\u00e9. Elle devient un v\u00e9ritable levier strat\u00e9gique de gestion des risques, permettant aux groupes de renforcer leur r\u00e9silience face \u00e0 des menaces de plus en plus complexes et difficiles \u00e0 mod\u00e9liser.<\/p>\n\n\n\n<p>Chez MSIG Europe, nous observons une \u00e9volution notable : les projets de captives sont d\u00e9sormais largement port\u00e9s par les directions des risques, les directions financi\u00e8res et les conseils d&rsquo;administration, qui y voient un moyen d&rsquo;am\u00e9liorer la gouvernance des risques et de pr\u00e9parer l&rsquo;entreprise aux d\u00e9fis de demain<strong>.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Au-del\u00e0 du cycle de march\u00e9 : pourquoi les captives restent plus pertinentes que jamais<\/strong><\/h2>\n\n\n\n<p>Dans un contexte de march\u00e9 plus favorable, certains pourraient s&rsquo;interroger sur l&rsquo;int\u00e9r\u00eat de conserver ou de cr\u00e9er une captive.<\/p>\n\n\n\n<p>La r\u00e9alit\u00e9 est que les principaux enjeux des entreprises ont chang\u00e9. Le d\u00e9fi n&rsquo;est plus uniquement de trouver de la capacit\u00e9 d&rsquo;assurance. Il consiste d\u00e9sormais \u00e0 g\u00e9rer des risques dont l&rsquo;\u00e9volution est rapide, parfois impr\u00e9visible, et dont les cons\u00e9quences peuvent \u00eatre consid\u00e9rables sur la continuit\u00e9 des activit\u00e9s.<\/p>\n\n\n\n<p>Les entreprises doivent aujourd&rsquo;hui faire face \u00e0 :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>l&rsquo;augmentation des cyberattaques et des interruptions d&rsquo;activit\u00e9 associ\u00e9es ;<\/li>\n\n\n\n<li>l&rsquo;acc\u00e9l\u00e9ration des risques climatiques et de la fr\u00e9quence des \u00e9v\u00e9nements extr\u00eames ;<\/li>\n\n\n\n<li>les tensions g\u00e9opolitiques et les risques de sanctions internationales ;<\/li>\n\n\n\n<li>les perturbations des cha\u00eenes d&rsquo;approvisionnement ;<\/li>\n\n\n\n<li>les risques li\u00e9s \u00e0 l&rsquo;intelligence artificielle et \u00e0 la gestion des donn\u00e9es ;<\/li>\n\n\n\n<li>les nouvelles responsabilit\u00e9s des dirigeants en mati\u00e8re de durabilit\u00e9, de gouvernance et de conformit\u00e9 ;<\/li>\n\n\n\n<li>les risques de r\u00e9putation amplifi\u00e9s par les r\u00e9seaux sociaux et l&rsquo;instantan\u00e9it\u00e9 de l&rsquo;information.<\/li>\n<\/ul>\n\n\n\n<p>Ces risques pr\u00e9sentent souvent une caract\u00e9ristique commune : leur fr\u00e9quence et leur s\u00e9v\u00e9rit\u00e9 restent difficiles \u00e0 anticiper, ce qui conduit les march\u00e9s traditionnels \u00e0 limiter les garanties, introduire des exclusions ou r\u00e9duire les capacit\u00e9s disponibles.<\/p>\n\n\n\n<p>C&rsquo;est pr\u00e9cis\u00e9ment dans ce contexte que les captives prennent toute leur valeur.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong>La captive : un outil de financement du risque au service de la strat\u00e9gie de l&rsquo;entreprise<\/strong><\/strong><\/h2>\n\n\n\n<p>Une captive d\u2019assurance ou de r\u00e9assurance est une soci\u00e9t\u00e9 appartenant \u00e0 l\u2019entreprise ou au groupe dont la mission consiste \u00e0 prendre en charge tout ou partie de ses propres risques.<\/p>\n\n\n\n<p>&nbsp;Il s&rsquo;agit d\u2019une forme avanc\u00e9e d\u2019auto-assurance, r\u00e8glement\u00e9e par les autorit\u00e9s de contr\u00f4le..<\/p>\n\n\n\n<p>Si le m\u00e9canisme est bien connu, son r\u00f4le \u00e9volue progressivement<strong>.<\/strong><\/p>\n\n\n\n<p>La captive n&rsquo;est plus seulement un v\u00e9hicule permettant de retenir une partie des primes. Elle devient un v\u00e9ritable laboratoire de gestion des risques, offrant \u00e0 l&rsquo;entreprise la possibilit\u00e9 :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>de tester de nouvelles couvertures ;<\/li>\n\n\n\n<li>d&rsquo;accumuler des donn\u00e9es sur des risques encore peu assurables ;<\/li>\n\n\n\n<li>de d\u00e9velopper ses propres mod\u00e8les d&rsquo;\u00e9valuation ;<\/li>\n\n\n\n<li>de financer progressivement des expositions \u00e9mergentes ;<\/li>\n\n\n\n<li>d&rsquo;am\u00e9liorer sa connaissance globale de son profil de risque.<\/li>\n<\/ul>\n\n\n\n<p>Gr\u00e2ce au fronting, l&rsquo;assureur \u00e9met la police aupr\u00e8s de l&rsquo;entreprise tout en transf\u00e9rant ensuite une partie importante du risque vers <strong>la captive de r\u00e9assurance<\/strong>. Cette structure combine la s\u00e9curit\u00e9 r\u00e9glementaire d&rsquo;un assureur agr\u00e9\u00e9 avec la flexibilit\u00e9 strat\u00e9gique d&rsquo;une captive.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Un formidable moteur de culture du risque<\/strong><\/h2>\n\n\n\n<p>L&rsquo;un des b\u00e9n\u00e9fices les plus sous-estim\u00e9s des captives r\u00e9side dans leur capacit\u00e9 \u00e0 renforcer la culture du risque au sein de l&rsquo;organisation.<\/p>\n\n\n\n<p>Lorsque les risques sont int\u00e9gralement transf\u00e9r\u00e9s vers le march\u00e9, l&rsquo;entreprise peut parfois avoir une vision limit\u00e9e de leur co\u00fbt r\u00e9el. \u00c0 l&rsquo;inverse, lorsqu&rsquo;une partie de ces risques est conserv\u00e9e au sein de la captive, leur impact financier devient beaucoup plus visible.<\/p>\n\n\n\n<p>Cette approche favorise :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>une meilleure implication des m\u00e9tiers ;<\/li>\n\n\n\n<li>le d\u00e9veloppement d&rsquo;indicateurs de pr\u00e9vention ;<\/li>\n\n\n\n<li>une am\u00e9lioration du reporting des incidents ;<\/li>\n\n\n\n<li>une responsabilisation accrue des filiales ;<\/li>\n\n\n\n<li>une prise de d\u00e9cision davantage fond\u00e9e sur les donn\u00e9es.<\/li>\n<\/ul>\n\n\n\n<p>La captive transforme ainsi le risque d&rsquo;un simple co\u00fbt d&rsquo;assurance en un v\u00e9ritable sujet de gouvernance d&rsquo;entreprise.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong>Les captives face aux risques \u00e9mergents<\/strong><\/strong><\/h2>\n\n\n\n<p><strong>Les captives jouent un r\u00f4le particuli\u00e8rement pertinent pour les risques \u00e9mergents, dont le march\u00e9 de l&rsquo;assurance peine parfois \u00e0 proposer des solutions p\u00e9rennes.<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Cyber<\/strong>: m\u00eame si le march\u00e9 cyber s&rsquo;est assoupli ces derni\u00e8res ann\u00e9es, les sc\u00e9narios de pertes majeures li\u00e9s aux ransomwares, aux syst\u00e8mes industriels ou aux interruptions d&rsquo;activit\u00e9 restent une pr\u00e9occupation importante. Les captives permettent de financer certaines couches de r\u00e9tention tout en accompagnant la mont\u00e9e en maturit\u00e9 cyber de l&rsquo;entreprise.<\/li>\n\n\n\n<li><strong>Risques climatiques<\/strong>: les ph\u00e9nom\u00e8nes m\u00e9t\u00e9orologiques extr\u00eames deviennent plus fr\u00e9quents et plus co\u00fbteux. Les captives peuvent contribuer \u00e0 financer des franchises \u00e9lev\u00e9es, des garanties param\u00e9triques ou des programmes visant \u00e0 renforcer la r\u00e9silience op\u00e9rationnelle des sites expos\u00e9s.<\/li>\n\n\n\n<li><strong>Supply Chain<\/strong>: la d\u00e9pendance croissante \u00e0 certains fournisseurs strat\u00e9giques ou zones g\u00e9ographiques cr\u00e9e des vuln\u00e9rabilit\u00e9s importantes. Les captives offrent une plateforme permettant de d\u00e9velopper progressivement des solutions de financement du risque lorsque les capacit\u00e9s de march\u00e9 sont limit\u00e9es.<\/li>\n\n\n\n<li><strong>Risques li\u00e9s \u00e0 l&rsquo;intelligence artificielle<\/strong>: l&rsquo;adoption rapide de l&rsquo;IA soul\u00e8ve de nouvelles questions concernant les erreurs algorithmiques, la responsabilit\u00e9 civile, la propri\u00e9t\u00e9 intellectuelle ou la gouvernance des donn\u00e9es. Les captives constituent un outil pertinent pour anticiper ces expositions avant m\u00eame que des solutions assurantielles standardis\u00e9es n&rsquo;existent.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Une logique europ\u00e9enne en plein essor<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2026\/10\/iStock-859343656-1024x683.jpg\" alt=\"\" class=\"wp-image-1485\" srcset=\"https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2026\/10\/iStock-859343656-1024x683.jpg 1024w, https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2026\/10\/iStock-859343656-300x200.jpg 300w, https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2026\/10\/iStock-859343656-768x513.jpg 768w, https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2026\/10\/iStock-859343656-1536x1025.jpg 1536w, https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2026\/10\/iStock-859343656-2048x1367.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>En Belgique, comme dans de nombreux pays europ\u00e9ens, les captives s&rsquo;inscrivent de plus en plus dans une strat\u00e9gie internationale de gestion des risques. Dans la pratique, de nombreux groupes belges privil\u00e9gient des domiciles europ\u00e9ens historiquement structur\u00e9s pour les captives, comme le Luxembourg, la France ou la Suisse. Ce choix d\u00e9pend notamment des exigences prudentielles, des conditions de gouvernance, des besoins en capital et de l\u2019\u00e9cosyst\u00e8me local (actuaires, gestionnaires de captives, expertise juridique et fiscale).<\/p>\n\n\n\n<p>Le Luxembourg et la France ont notamment d\u00e9velopp\u00e9 des cadres favorables qui permettent aux groupes europ\u00e9ens de structurer des captives robustes tout en b\u00e9n\u00e9ficiant d&rsquo;un environnement r\u00e9glementaire reconnu.<\/p>\n\n\n\n<p>Cette dynamique refl\u00e8te une tendance de fond : les entreprises souhaitent reprendre davantage de contr\u00f4le sur leur financement des risques tout en conservant l&rsquo;acc\u00e8s \u00e0 l&rsquo;expertise et aux capacit\u00e9s du march\u00e9 traditionnel.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">La valeur ajout\u00e9e de MSIG Europe<\/h3>\n\n\n\n<p>MSIG Europe accompagne les entreprises dans la structuration de <a href=\"https:\/\/msig-europe.be\/fr\/produits\/captives-2\/\">solutions de transfert alternatif du risque <\/a>int\u00e9grant des captives de r\u00e9assurance.<\/p>\n\n\n\n<p>Notre approche repose sur quatre piliers :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>une analyse approfondie du profil de risque et des objectifs strat\u00e9giques de l&rsquo;entreprise ;<\/li>\n\n\n\n<li>une structuration s\u00e9curis\u00e9e des dispositifs de fronting ;<\/li>\n\n\n\n<li>un accompagnement en mati\u00e8re de gouvernance, conformit\u00e9 et gestion des sinistres ;<\/li>\n\n\n\n<li>une r\u00e9flexion de long terme sur l&rsquo;optimisation de la r\u00e9tention et du financement des risques \u00e9mergents.<\/li>\n<\/ul>\n\n\n\n<p>Nous consid\u00e9rons la captive non seulement comme un outil assurantiel, mais comme un v\u00e9ritable instrument de pilotage du risque au service de la cr\u00e9ation de valeur.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Les captives : un levier de r\u00e9silience dans un monde incertain<\/strong><\/h2>\n\n\n\n<p>Dans un march\u00e9 de l&rsquo;assurance aujourd&rsquo;hui plus favorable, la question n&rsquo;est plus seulement de savoir comment acheter de l&rsquo;assurance au meilleur prix.<\/p>\n\n\n\n<p>La v\u00e9ritable question est de d\u00e9terminer comment pr\u00e9parer l&rsquo;entreprise aux risques de demain.<\/p>\n\n\n\n<p>Les captives apportent une r\u00e9ponse concr\u00e8te \u00e0 cet enjeu. Elles permettent aux organisations de transformer une partie de leurs d\u00e9penses d&rsquo;assurance en investissement strat\u00e9gique, d&rsquo;am\u00e9liorer leur compr\u00e9hension du risque et de d\u00e9velopper leur r\u00e9silience face \u00e0 des menaces en constante \u00e9volution.<\/p>\n\n\n\n<p>Plus qu&rsquo;un outil de financement, la captive devient ainsi un \u00e9l\u00e9ment central de la strat\u00e9gie globale de gestion des risques, au croisement de la pr\u00e9vention, de la gouvernance et de la performance durable de l&rsquo;entreprise.<\/p>\n\n\n\n\t<div data-name=\"acf\/block-posts\" class=\"alignwide block\" >\n\t\t\t\t\t<h2 class=\"sr-only\">Une liste d&#039;articles<\/h2>\n\t\t\n\t\t<div class=\"flex flex-col gap-4\">\n\n\t\t\t\n\t\t\t<ul class=\"grid items-stretch grid-cols-1 gap-4 sm:gap-8 lg:grid-cols-3\">\n\t\t\t\t\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-post\" class=\"relative flex flex-col h-full p-6 overflow-hidden rounded-lg bg-base-500 sm:flex-row sm:gap-8 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=\"hidden overflow-hidden md:block image:w-full image:object-cover aspect-video md:max-w-[196px] md:aspect-auto lg:aspect-video lg:max-w-none\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"300\" src=\"https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2026\/08\/Justin-web-article-teaser.png\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2026\/08\/Justin-web-article-teaser.png 600w, https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2026\/08\/Justin-web-article-teaser-300x150.png 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/>\n\t\t<\/div>\n\t\n\t<div class=\"flex flex-col gap-4 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-md\">\n\t\t\t\t\t<a href=\"https:\/\/msig-europe.be\/fr\/actualite\/un-partenariat-fonde-sur-la-confiance-lambition-et-lexcellence\/\" class=\"absolute-link hocus:underline text-marine\">\n\t\t\t\t\t\tUn partenariat fond\u00e9 sur la confiance, l\u2019ambition et l\u2019excellence\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<\/div>\n\n\t\t<span class=\"sr-only\">Publi\u00e9 le :<\/span>\n\t\t<time class=\"text-sm\" datetime=\"2026-08-21\">21 ao\u00fbt 2026<\/time>\n\t<\/div>\n\n\t<div class=\"absolute md:-bottom-[90px] md:-right-[160px] lg:-bottom-[120px] lg:-right-[270px] hidden pointer-events-none md:block\">\n\t\t<svg aria-hidden=\"true\" class=\"w-[334px] h-[334px]\" 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<\/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-post\" class=\"relative flex flex-col h-full p-6 overflow-hidden rounded-lg bg-base-500 sm:flex-row sm:gap-8 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=\"hidden overflow-hidden md:block image:w-full image:object-cover aspect-video md:max-w-[196px] md:aspect-auto lg:aspect-video lg:max-w-none\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"300\" src=\"https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2026\/04\/Website-News-Teaser-Image-600-x-300.png\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2026\/04\/Website-News-Teaser-Image-600-x-300.png 600w, https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2026\/04\/Website-News-Teaser-Image-600-x-300-300x150.png 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/>\n\t\t<\/div>\n\t\n\t<div class=\"flex flex-col gap-4 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-md\">\n\t\t\t\t\t<a href=\"https:\/\/msig-europe.be\/fr\/actualite\/msig-europe-roule-avec-linnoptus-solar-team-et-pour-lavenir\/\" class=\"absolute-link hocus:underline text-marine\">\n\t\t\t\t\t\tMSIG Europe roule avec l&rsquo;Innoptus Solar Team et pour l\u2019avenir !\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\">\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=\"Class\u00e9 dans la cat\u00e9gorie\">\n\t\t\t\t\t<li class=\"min-w-0\">\n\t\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-base-50 border-red text-red \">\n\t\tFleet\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\n\t\t<span class=\"sr-only\">Publi\u00e9 le :<\/span>\n\t\t<time class=\"text-sm\" datetime=\"2026-04-29\">29 avril 2026<\/time>\n\t<\/div>\n\n\t<div class=\"absolute md:-bottom-[90px] md:-right-[160px] lg:-bottom-[120px] lg:-right-[270px] hidden pointer-events-none md:block\">\n\t\t<svg aria-hidden=\"true\" class=\"w-[334px] h-[334px]\" 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<\/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-post\" class=\"relative flex flex-col h-full p-6 overflow-hidden rounded-lg bg-base-500 sm:flex-row sm:gap-8 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=\"hidden overflow-hidden md:block image:w-full image:object-cover aspect-video md:max-w-[196px] md:aspect-auto lg:aspect-video lg:max-w-none\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2025\/11\/Captives-1024x576.webp\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2025\/11\/Captives-1024x576.webp 1024w, https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2025\/11\/Captives-300x169.webp 300w, https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2025\/11\/Captives-768x432.webp 768w, https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2025\/11\/Captives-1536x864.webp 1536w, https:\/\/msig-europe.be\/fr\/wp-content\/uploads\/sites\/4\/2025\/11\/Captives.webp 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\n\t\t<\/div>\n\t\n\t<div class=\"flex flex-col gap-4 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-md\">\n\t\t\t\t\t<a href=\"https:\/\/msig-europe.be\/fr\/actualite\/msig-europe-recompense-en-tant-que-best-fronting-partner-lors-des-2025-european-captive-awards\/\" class=\"absolute-link hocus:underline text-marine\">\n\t\t\t\t\t\tMSIG Europe r\u00e9compens\u00e9 en tant que \u201cBest Fronting Partner\u201d lors des 2025 European Captive Awards\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\">\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=\"Class\u00e9 dans la cat\u00e9gorie\">\n\t\t\t\t\t<li class=\"min-w-0\">\n\t\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-base-50 border-red text-red \">\n\t\tA.R.T.\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\n\t\t<span class=\"sr-only\">Publi\u00e9 le :<\/span>\n\t\t<time class=\"text-sm\" datetime=\"2025-11-07\">7 novembre 2025<\/time>\n\t<\/div>\n\n\t<div class=\"absolute md:-bottom-[90px] md:-right-[160px] lg:-bottom-[120px] lg:-right-[270px] hidden pointer-events-none md:block\">\n\t\t<svg aria-hidden=\"true\" class=\"w-[334px] h-[334px]\" 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<\/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>Pendant de nombreuses ann\u00e9es, les captives d&rsquo;assurance et de r\u00e9assurance ont \u00e9t\u00e9 principalement per\u00e7ues comme une r\u00e9ponse aux march\u00e9s d&rsquo;assurance difficiles, marqu\u00e9s par la hausse des primes, la r\u00e9duction des capacit\u00e9s et le durcissement des conditions de souscription. Aujourd&rsquo;hui, alors que de nombreux segments du march\u00e9 retrouvent davantage de souplesse et de concurrence entre assureurs, [&hellip;]<\/p>\n","protected":false},"author":44,"featured_media":1486,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"editor_notices":[],"footnotes":""},"categories":[1],"tags":[],"msa_insurance_type_tax":[24],"class_list":["post-1484","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorised","msa_insurance_type_tax-a-r-t"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Captives d\u2019assurance : Comment ma\u00eetrisez vos risques ? - MSIG Europe<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez comment les captives d\u2019assurance et de r\u00e9assurance aident les entreprises \u00e0 ma\u00eetriser leurs risques, r\u00e9duire leurs co\u00fbts et renforcer leur r\u00e9silience.\" \/>\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\/actualite\/captives-assurance-piloter-les-risques\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Captives d\u2019assurance : Comment ma\u00eetrisez vos risques ? 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