{"id":286738,"date":"2016-12-24T07:03:00","date_gmt":"2016-12-24T06:03:00","guid":{"rendered":"https:\/\/ac-franchise.be\/lassurance-homme-cle-2762"},"modified":"2016-12-24T07:03:00","modified_gmt":"2019-03-07T16:01:27","slug":"lassurance-homme-cle-2762","status":"publish","type":"post","link":"https:\/\/ac-franchise.be\/article\/lassurance-homme-cle-2762","title":{"rendered":"L’assurance Homme Cl\u00e9"},"content":{"rendered":"
\n
\n
\n
<\/a> <\/div>\n
\n
Pour palier l’indisponibilit\u00e9 ou le d\u00e9c\u00e8s du chef d’entreprise<\/b>, il est possible de signer un contrat d’assurance. Reste \u00e0 d\u00e9terminer le personnage faisant l’objet de ce contrat…<\/p>\n

Un dirigeant est parfois irrempla\u00e7able pour la survie de l’entreprise, son savoir-faire, ses connaissances, son exp\u00e9rience peuvent ne pas \u00eatre transmissible. Il est dans ce cas n\u00e9cessaire de pouvoir disposer de liquidit\u00e9s pour compenser un fl\u00e9chissement du chiffre d’affaires, r\u00e9organiser l’entreprise ou rassurer les banquiers… <\/p>\n

On peut donc souscrire une assurance o\u00f9 la notion d’ \u00a0\u00bb homme-cl\u00e9 \u00a0\u00bb d\u00e9signe toute personne, homme ou femme, ayant un r\u00f4le pilier, \u00e0 d\u00e9terminer au cas par cas. La garantie couvre les risques de d\u00e9c\u00e8s ou de maladie avec une incapacit\u00e9 de travail sup\u00e9rieure \u00e0 trois mois. Le b\u00e9n\u00e9ficiaire des indemnit\u00e9s est l’entreprise, il n’y a pas de confusion avec une assurance personnelle du dirigeant. L’avantage fiscal associ\u00e9 \u00e0 cette assurance est identique \u00e0 celui des primes vers\u00e9es dans le cadre de contrats d’assurances risques (inondation, bris de glaces…). <\/p>\n

On peut donc d\u00e9duire ces primes du r\u00e9sultat imposable. Le contrat couvre les pertes d’exploitation en fonction de la situation r\u00e9elle de l’entreprise ou d’\u00e9l\u00e9ments objectifs tir\u00e9s des comptes des exercices pr\u00e9c\u00e9dents. On peut aussi pr\u00e9voir une somme forfaitaire d\u00e9termin\u00e9e \u00e0 la signature du contrat. A noter qu’il peut aussi \u00eatre judicieux de s’assurer entre associ\u00e9s afin de pouvoir racheter les parts d’un d\u00e9funt par exemple. <\/p>\n

Sur le m\u00eame sujet, lisez aussi ces articles :\u00a0
Quid des assurances pour prot\u00e9ger nos franchises <\/i><\/a>
L’assurance perte d’exploitation<\/i><\/a><\/i><\/span><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

Pour palier l’indisponibilit\u00e9 ou le d\u00e9c\u00e8s du chef d’entreprise, il est possible de signer un contrat d’assurance. Reste \u00e0 d\u00e9terminer le personnage faisant l’objet de ce contrat… Un dirigeant est parfois irrempla\u00e7able pour la survie de l’entreprise, son savoir-faire, ses connaissances, son exp\u00e9rience peuvent ne pas \u00eatre transmissible. Il est dans ce cas n\u00e9cessaire de […]<\/p>\n","protected":false},"author":48,"featured_media":286737,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","ocean_post_oembed":"","ocean_post_self_hosted_media":"","ocean_post_video_embed":"","ocean_link_format":"","ocean_link_format_target":"self","ocean_quote_format":"","ocean_quote_format_link":"post","ocean_gallery_link_images":"on","ocean_gallery_id":[],"footnotes":""},"categories":[3],"tags":[132],"class_list":["post-286738","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites-de-la-franchise","tag-creation-gestion-financement","entry","has-media"],"acf":[],"yoast_head":"\nL'assurance Homme Cl\u00e9<\/title>\n<meta name=\"description\" content=\"Pour palier l'indisponibilit\u00e9 ou le d\u00e9c\u00e8s du chef d'entreprise, il est possible de signer un contrat d'assurance. Reste \u00e0 d\u00e9terminer le personnage faisant\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ac-franchise.be\/article\/lassurance-homme-cle-2762\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"L'assurance Homme Cl\u00e9\" \/>\n<meta property=\"og:description\" content=\"Pour palier l'indisponibilit\u00e9 ou le d\u00e9c\u00e8s du chef d'entreprise, il est possible de signer un contrat d'assurance. Reste \u00e0 d\u00e9terminer le personnage faisant\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ac-franchise.be\/article\/lassurance-homme-cle-2762\" \/>\n<meta property=\"og:site_name\" content=\"AC Franchise\" \/>\n<meta property=\"article:published_time\" content=\"2016-12-24T06:03:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-03-07T16:01:27+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ac-franchise.be\/wp-content\/uploads\/2013\/11\/28\/20131128053946-2216027c3170e3c79ffc99bf2acf7d66.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"130\" \/>\n\t<meta property=\"og:image:height\" content=\"173\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Sonia Tajouri\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Sonia Tajouri\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/ac-franchise.be\/article\/lassurance-homme-cle-2762#article\",\"isPartOf\":{\"@id\":\"https:\/\/ac-franchise.be\/article\/lassurance-homme-cle-2762\"},\"author\":{\"name\":\"AC Franchise\",\"@id\":\"https:\/\/ac-franchise.be\/#\/schema\/person\/ab8207420eb94825347ea480c82f63ce\"},\"headline\":\"L’assurance Homme Cl\u00e9\",\"datePublished\":\"2016-12-24T06:03:00+00:00\",\"dateModified\":\"2019-03-07T16:01:27+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/ac-franchise.be\/article\/lassurance-homme-cle-2762\"},\"wordCount\":275,\"publisher\":{\"@id\":\"https:\/\/ac-franchise.be\/#organization\"},\"image\":{\"@id\":\"https:\/\/ac-franchise.be\/article\/lassurance-homme-cle-2762#primaryimage\"},\"thumbnailUrl\":\"https:\/\/ac-franchise.be\/wp-content\/uploads\/2013\/11\/28\/20131128053946-2216027c3170e3c79ffc99bf2acf7d66.jpg\",\"keywords\":[\"Cr\u00e9ation, gestion, financement\"],\"articleSection\":[\"Actualit\u00e9s de la franchise\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/ac-franchise.be\/article\/lassurance-homme-cle-2762\",\"url\":\"https:\/\/ac-franchise.be\/article\/lassurance-homme-cle-2762\",\"name\":\"L'assurance Homme Cl\u00e9\",\"isPartOf\":{\"@id\":\"https:\/\/ac-franchise.be\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/ac-franchise.be\/article\/lassurance-homme-cle-2762#primaryimage\"},\"image\":{\"@id\":\"https:\/\/ac-franchise.be\/article\/lassurance-homme-cle-2762#primaryimage\"},\"thumbnailUrl\":\"https:\/\/ac-franchise.be\/wp-content\/uploads\/2013\/11\/28\/20131128053946-2216027c3170e3c79ffc99bf2acf7d66.jpg\",\"datePublished\":\"2016-12-24T06:03:00+00:00\",\"dateModified\":\"2019-03-07T16:01:27+00:00\",\"description\":\"Pour palier l'indisponibilit\u00e9 ou le d\u00e9c\u00e8s du chef d'entreprise, il est possible de signer un contrat d'assurance. Reste \u00e0 d\u00e9terminer le personnage faisant\",\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/ac-franchise.be\/article\/lassurance-homme-cle-2762\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/ac-franchise.be\/article\/lassurance-homme-cle-2762#primaryimage\",\"url\":\"https:\/\/ac-franchise.be\/wp-content\/uploads\/2013\/11\/28\/20131128053946-2216027c3170e3c79ffc99bf2acf7d66.jpg\",\"contentUrl\":\"https:\/\/ac-franchise.be\/wp-content\/uploads\/2013\/11\/28\/20131128053946-2216027c3170e3c79ffc99bf2acf7d66.jpg\",\"width\":130,\"height\":173},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/ac-franchise.be\/#website\",\"url\":\"https:\/\/ac-franchise.be\/\",\"name\":\"AC Franchise\",\"description\":\"Cr\u00e9er une franchise et devenir franchis\u00e9 !\",\"publisher\":{\"@id\":\"https:\/\/ac-franchise.be\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/ac-franchise.be\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/ac-franchise.be\/#organization\",\"name\":\"AC Franchise\",\"url\":\"https:\/\/ac-franchise.be\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/ac-franchise.be\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/ac-franchise.be\/wp-content\/uploads\/2019\/09\/acfranchise_logo-1.png\",\"contentUrl\":\"https:\/\/ac-franchise.be\/wp-content\/uploads\/2019\/09\/acfranchise_logo-1.png\",\"width\":300,\"height\":71,\"caption\":\"AC Franchise\"},\"image\":{\"@id\":\"https:\/\/ac-franchise.be\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/ac-franchise.be\/#\/schema\/person\/ab8207420eb94825347ea480c82f63ce\",\"name\":\"Sonia Tajouri\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/ac-franchise.be\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/9baebf34244d983fc6b8dad2dc7e121b?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/9baebf34244d983fc6b8dad2dc7e121b?s=96&d=mm&r=g\",\"caption\":\"Sonia Tajouri\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"L'assurance Homme Cl\u00e9","description":"Pour palier l'indisponibilit\u00e9 ou le d\u00e9c\u00e8s du chef d'entreprise, il est possible de signer un contrat d'assurance. Reste \u00e0 d\u00e9terminer le personnage faisant","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/ac-franchise.be\/article\/lassurance-homme-cle-2762","og_locale":"fr_FR","og_type":"article","og_title":"L'assurance Homme Cl\u00e9","og_description":"Pour palier l'indisponibilit\u00e9 ou le d\u00e9c\u00e8s du chef d'entreprise, il est possible de signer un contrat d'assurance. Reste \u00e0 d\u00e9terminer le personnage faisant","og_url":"https:\/\/ac-franchise.be\/article\/lassurance-homme-cle-2762","og_site_name":"AC Franchise","article_published_time":"2016-12-24T06:03:00+00:00","article_modified_time":"2019-03-07T16:01:27+00:00","og_image":[{"width":130,"height":173,"url":"https:\/\/ac-franchise.be\/wp-content\/uploads\/2013\/11\/28\/20131128053946-2216027c3170e3c79ffc99bf2acf7d66.jpg","type":"image\/jpeg"}],"author":"Sonia Tajouri","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Sonia Tajouri","Dur\u00e9e de lecture estim\u00e9e":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/ac-franchise.be\/article\/lassurance-homme-cle-2762#article","isPartOf":{"@id":"https:\/\/ac-franchise.be\/article\/lassurance-homme-cle-2762"},"author":{"name":"AC Franchise","@id":"https:\/\/ac-franchise.be\/#\/schema\/person\/ab8207420eb94825347ea480c82f63ce"},"headline":"L’assurance Homme Cl\u00e9","datePublished":"2016-12-24T06:03:00+00:00","dateModified":"2019-03-07T16:01:27+00:00","mainEntityOfPage":{"@id":"https:\/\/ac-franchise.be\/article\/lassurance-homme-cle-2762"},"wordCount":275,"publisher":{"@id":"https:\/\/ac-franchise.be\/#organization"},"image":{"@id":"https:\/\/ac-franchise.be\/article\/lassurance-homme-cle-2762#primaryimage"},"thumbnailUrl":"https:\/\/ac-franchise.be\/wp-content\/uploads\/2013\/11\/28\/20131128053946-2216027c3170e3c79ffc99bf2acf7d66.jpg","keywords":["Cr\u00e9ation, gestion, financement"],"articleSection":["Actualit\u00e9s de la franchise"],"inLanguage":"fr-FR"},{"@type":"WebPage","@id":"https:\/\/ac-franchise.be\/article\/lassurance-homme-cle-2762","url":"https:\/\/ac-franchise.be\/article\/lassurance-homme-cle-2762","name":"L'assurance Homme Cl\u00e9","isPartOf":{"@id":"https:\/\/ac-franchise.be\/#website"},"primaryImageOfPage":{"@id":"https:\/\/ac-franchise.be\/article\/lassurance-homme-cle-2762#primaryimage"},"image":{"@id":"https:\/\/ac-franchise.be\/article\/lassurance-homme-cle-2762#primaryimage"},"thumbnailUrl":"https:\/\/ac-franchise.be\/wp-content\/uploads\/2013\/11\/28\/20131128053946-2216027c3170e3c79ffc99bf2acf7d66.jpg","datePublished":"2016-12-24T06:03:00+00:00","dateModified":"2019-03-07T16:01:27+00:00","description":"Pour palier l'indisponibilit\u00e9 ou le d\u00e9c\u00e8s du chef d'entreprise, il est possible de signer un contrat d'assurance. Reste \u00e0 d\u00e9terminer le personnage faisant","inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/ac-franchise.be\/article\/lassurance-homme-cle-2762"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/ac-franchise.be\/article\/lassurance-homme-cle-2762#primaryimage","url":"https:\/\/ac-franchise.be\/wp-content\/uploads\/2013\/11\/28\/20131128053946-2216027c3170e3c79ffc99bf2acf7d66.jpg","contentUrl":"https:\/\/ac-franchise.be\/wp-content\/uploads\/2013\/11\/28\/20131128053946-2216027c3170e3c79ffc99bf2acf7d66.jpg","width":130,"height":173},{"@type":"WebSite","@id":"https:\/\/ac-franchise.be\/#website","url":"https:\/\/ac-franchise.be\/","name":"AC Franchise","description":"Cr\u00e9er une franchise et devenir franchis\u00e9 !","publisher":{"@id":"https:\/\/ac-franchise.be\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/ac-franchise.be\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/ac-franchise.be\/#organization","name":"AC Franchise","url":"https:\/\/ac-franchise.be\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/ac-franchise.be\/#\/schema\/logo\/image\/","url":"https:\/\/ac-franchise.be\/wp-content\/uploads\/2019\/09\/acfranchise_logo-1.png","contentUrl":"https:\/\/ac-franchise.be\/wp-content\/uploads\/2019\/09\/acfranchise_logo-1.png","width":300,"height":71,"caption":"AC Franchise"},"image":{"@id":"https:\/\/ac-franchise.be\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/ac-franchise.be\/#\/schema\/person\/ab8207420eb94825347ea480c82f63ce","name":"Sonia Tajouri","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/ac-franchise.be\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/9baebf34244d983fc6b8dad2dc7e121b?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/9baebf34244d983fc6b8dad2dc7e121b?s=96&d=mm&r=g","caption":"Sonia Tajouri"}}]}},"_links":{"self":[{"href":"https:\/\/ac-franchise.be\/wp-json\/wp\/v2\/posts\/286738"}],"collection":[{"href":"https:\/\/ac-franchise.be\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ac-franchise.be\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ac-franchise.be\/wp-json\/wp\/v2\/users\/48"}],"replies":[{"embeddable":true,"href":"https:\/\/ac-franchise.be\/wp-json\/wp\/v2\/comments?post=286738"}],"version-history":[{"count":1,"href":"https:\/\/ac-franchise.be\/wp-json\/wp\/v2\/posts\/286738\/revisions"}],"predecessor-version":[{"id":288904,"href":"https:\/\/ac-franchise.be\/wp-json\/wp\/v2\/posts\/286738\/revisions\/288904"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ac-franchise.be\/wp-json\/wp\/v2\/media\/286737"}],"wp:attachment":[{"href":"https:\/\/ac-franchise.be\/wp-json\/wp\/v2\/media?parent=286738"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ac-franchise.be\/wp-json\/wp\/v2\/categories?post=286738"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ac-franchise.be\/wp-json\/wp\/v2\/tags?post=286738"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}