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On y trouve notamment :",[],"normal",{"_key":113,"_type":94,"children":114,"level":128,"listItem":129,"markDefs":130,"style":111},"7ab8f7c7465a",[115,119,124],{"_key":116,"_type":98,"marks":117,"text":118},"1efd3c26744f",[],"la définition précise des garanties couvertes et de leur périmètre (",{"_key":120,"_type":98,"marks":121,"text":123},"ad23cabd877a",[122],"lce14ab767f16","responsabilité civile",{"_key":125,"_type":98,"marks":126,"text":127},"ec0d4e1fa53d",[],", protection des biens, protection juridique, assistance) ;",1,"bullet",[131],{"_key":122,"_type":132,"href":133,"nofollow":134,"openInNewWindow":134},"link","\u002Flexique\u002Fresponsabilite-civile",false,{"_key":136,"_type":94,"children":137,"level":128,"listItem":129,"markDefs":151,"style":111},"5a04740fca00",[138,142,147],{"_key":139,"_type":98,"marks":140,"text":141},"536cdfbb1120",[],"les ",{"_key":143,"_type":98,"marks":144,"text":146},"6d40825607fc",[145],"l48d624f68ab5","exclusions",{"_key":148,"_type":98,"marks":149,"text":150},"aa51604e6494",[],", c’est-à-dire les cas dans lesquels l’assureur ne prend pas en charge le sinistre ;",[152],{"_key":145,"_type":132,"href":153,"nofollow":134,"openInNewWindow":134},"\u002Flexique\u002Fexclusion",{"_key":155,"_type":94,"children":156,"level":128,"listItem":129,"markDefs":170,"style":111},"860f134f9861",[157,161,166],{"_key":158,"_type":98,"marks":159,"text":160},"dfd5ed9ff527",[],"le montant des franchises et les règles d’",{"_key":162,"_type":98,"marks":163,"text":165},"89e80a17ab72",[164],"l8585d4940ea7","indemnisation",{"_key":167,"_type":98,"marks":168,"text":169},"3c72b394612b",[]," applicables ;",[171],{"_key":164,"_type":132,"href":172,"nofollow":134,"openInNewWindow":134},"\u002Flexique\u002Findemnisation",{"_key":174,"_type":94,"children":175,"level":128,"listItem":129,"markDefs":180,"style":111},"136a0c2720fc",[176],{"_key":177,"_type":98,"marks":178,"text":179},"980fb02f7a16",[],"les obligations de l’assuré, parmi lesquelles déclarer tout changement de situation affectant le risque et respecter les délais de déclaration de sinistre fixés par le Code des assurances ;",[],{"_key":182,"_type":94,"children":183,"level":128,"listItem":129,"markDefs":188,"style":111},"8d68070a41e6",[184],{"_key":185,"_type":98,"marks":186,"text":187},"51f178ec5dce",[],"les modalités de résiliation et de modification du contrat, y compris les conditions de recours à un avenant.",[],{"_key":190,"_type":94,"children":191,"markDefs":196,"style":111},"0d475a5ec7bb",[192],{"_key":193,"_type":98,"marks":194,"text":195},"518adcb96b8b",[],"Ces règles s’appliquent à l’ensemble des assurés ayant souscrit le même produit. Elles ne peuvent pas être négociées individuellement lors de la souscription.",[],{"_key":198,"_type":94,"children":199,"markDefs":204,"style":102},"fdef5e92263c",[200],{"_key":201,"_type":98,"marks":202,"text":203},"5b5e287342bb",[],"Quelle différence entre conditions générales et conditions particulières ?",[],{"_key":206,"_type":94,"children":207,"markDefs":212,"style":111},"50d7c72809af",[208],{"_key":209,"_type":98,"marks":210,"text":211},"af3735b336df",[],"Les conditions particulières viennent compléter les conditions générales pour personnaliser le contrat : elles précisent l’identité de l’assuré, l’activité couverte, les montants de garantie retenus, la prime, la date d’échéance et les éventuelles clauses spécifiques acceptées à la souscription. En cas de contradiction entre les deux documents, les conditions particulières prévalent sur les conditions générales, car elles traduisent l’accord conclu entre l’assureur et l’assuré.",[],{"_key":214,"_type":94,"children":215,"markDefs":229,"style":111},"5a3d6ffbee1d",[216,220,225],{"_key":217,"_type":98,"marks":218,"text":219},"9970904f5370",[],"Prenons un contrat de ",{"_key":221,"_type":98,"marks":222,"text":224},"27b3beeaf659",[223],"la60cc4330066","responsabilité civile professionnelle",{"_key":226,"_type":98,"marks":227,"text":228},"e2fb398fc113",[]," avec une franchise de 500 € inscrite dans les conditions générales : si les conditions particulières prévoient une franchise de 1 000 € pour l’activité spécifique de l’assuré, c’est ce second montant qui s’applique.",[230],{"_key":223,"_type":132,"href":231,"nofollow":134,"openInNewWindow":134},"\u002Fassurances\u002Frc-pro",{"_key":233,"_type":94,"children":234,"markDefs":239,"style":102},"134f263c2cb5",[235],{"_key":236,"_type":98,"marks":237,"text":238},"1d6f7b53159c",[],"Pourquoi les conditions générales comptent pour un professionnel ?",[],{"_key":241,"_type":94,"children":242,"markDefs":247,"style":111},"2b0e0e4b1fa8",[243],{"_key":244,"_type":98,"marks":245,"text":246},"0f72a077371c",[],"Un professionnel qui ne lit pas les conditions générales avant la souscription risque de découvrir une exclusion au moment du sinistre. Deux points méritent une attention particulière.",[],{"_key":249,"_type":94,"children":250,"markDefs":264,"style":111},"8c595acfca8c",[251,255,260],{"_key":252,"_type":98,"marks":253,"text":254},"96f686ccc27e",[],"Les ",{"_key":256,"_type":98,"marks":257,"text":259},"5100688a4b74",[258],"strong","exclusions de garantie",{"_key":261,"_type":98,"marks":262,"text":263},"f5453d4fa46e",[]," définissent les cas non couverts : une activité exercée sans déclaration préalable, un sinistre survenu hors des heures d’exploitation, une faute intentionnelle. Ces exclusions sont contractuellement opposables dès lors qu’elles figurent en caractères apparents dans le document.",[],{"_key":266,"_type":94,"children":267,"markDefs":279,"style":111},"eb38c1565514",[268,271,275],{"_key":269,"_type":98,"marks":270,"text":254},"50666d3329bf",[],{"_key":272,"_type":98,"marks":273,"text":274},"defaf9172ad4",[258],"délais de déclaration",{"_key":276,"_type":98,"marks":277,"text":278},"277925cbbcbc",[]," sont également fixés dans les conditions générales dans le cadre posé par l’article L113-2 du Code des assurances : le contrat ne peut pas imposer moins de 5 jours ouvrés pour déclarer un sinistre, ni moins de 2 jours ouvrés en cas de vol. Un retard de déclaration ne prive l’assuré de son indemnisation que si l’assureur démontre que ce retard lui a causé un préjudice réel.",[],{"_key":281,"_type":94,"children":282,"markDefs":287,"style":111},"74f8718c8162",[283],{"_key":284,"_type":98,"marks":285,"text":286},"4a32dd3af260",[],"Enfin, les conditions de résiliation méritent d’être vérifiées. L’article L113-12 du Code des assurances prévoit un préavis de 2 mois avant l’échéance annuelle pour résilier, sauf disposition plus favorable au contrat. Contrairement aux contrats auto ou habitation souscrits par des particuliers, les contrats professionnels ne bénéficient pas de la résiliation à tout moment après un an (loi Hamon, article L113-15-2).",[],{"_key":289,"_type":94,"children":290,"markDefs":295,"style":102},"7b3174164e33",[291],{"_key":292,"_type":98,"marks":293,"text":294},"5da30de1b2cd",[],"À quoi sert la lecture des conditions générales avant de signer ?",[],{"_key":297,"_type":94,"children":298,"markDefs":303,"style":111},"e755284f0f44",[299],{"_key":300,"_type":98,"marks":301,"text":302},"36dcc8d9e6e8",[],"Avant la conclusion d’un contrat, comparer deux devis sur le seul critère de la prime revient à ignorer l’essentiel. Deux contrats affichant des cotisations proches peuvent couvrir des risques très différents selon les exclusions retenues, les montants plafonds et les définitions du sinistre. 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