{"id":4298,"date":"2026-09-11T10:30:31","date_gmt":"2026-09-11T08:30:31","guid":{"rendered":"https:\/\/handel-schweiz.com\/?post_type=losung&#038;p=4298"},"modified":"2026-09-11T10:31:39","modified_gmt":"2026-09-11T08:31:39","slug":"assurance-blackout-pme","status":"publish","type":"losung","link":"https:\/\/handel-schweiz.com\/fr\/loesung\/assurance-blackout-pme\/","title":{"rendered":"Assepro &#8211; Blackout: voici comment les PME peuvent s\u2019assurer"},"content":{"rendered":"\n    <section class=\"intro-text-block    intro-text-block-6aa62e0468ac6\">\n        <div class=\"block-bg-color bg-white\"><\/div>\n\n        \n        <div class=\"intro-text-block-content scrollMagic-block\" data-uid=\"6aa62e0468ac61\">\n            \n            <div class=\"title-block \">\n                \n                                                            <h2 class=\"mixed-font\"><p><b>Blackout<\/b>: voici comment les PME peuvent s\u2019assurer<\/p>\n<\/h2>\n                                                <\/div>\n\n            <div class=\"intro-text-columns-block  \">\n                <div class=\"intro-text-left-block scrollMagic-block delay-animation-1\" data-uid=\"6aa62e0468ac62\">\n                                            <p class=\"leadtext\">Le 28 avril 2025, les risques d\u2019un blackout sont apparus clairement. Peu apr\u00e8s midi, le r\u00e9seau \u00e9lectrique de la p\u00e9ninsule ib\u00e9rique s\u2019est effondr\u00e9. L\u2019\u00e9lectricit\u00e9 n\u2019a \u00e9t\u00e9 coup\u00e9e que pendant une douzaine d\u2019heures, cela a n\u00e9anmoins d\u00e9j\u00e0 suffi pour causer des dommages de plusieurs milliards d\u2019euros.<\/p>\n                    \n                    <div class=\"intro-text-left-block-texteditor\">\n                        <h3>Trois cons\u00e9quences critiques d\u2019un blackout<\/h3>\n<p>En cas de panne de courant, les entreprises doivent s\u2019attendre \u00e0 une coupure de courant pendant plusieurs heures, voire plusieurs jours \u2013 suffisamment de temps pour causer des dommages importants.<\/p>\n<p>La perte de production touche directement les entreprises et peut occasionner des co\u00fbts \u00e9lev\u00e9s. \u00c0 cela s\u2019ajoutent des perturbations dans les cha\u00eenes d\u2019approvisionnement: les syst\u00e8mes de communication et de transport sont interrompus, les co\u00fbts logistiques augmentent et les retards de livraison risquent d\u2019entra\u00eener le versement d\u2019indemnit\u00e9s.<\/p>\n<p>Situation particuli\u00e8rement critique: une panne de l\u2019infrastructure informatique accro\u00eet le risque de cyberattaques et de pertes de donn\u00e9es. Si des donn\u00e9es clients et des informations commerciales sensibles sont perdues ou tombent entre les mains de criminels, il en r\u00e9sulte non seulement des perturbations imm\u00e9diates de l\u2019exploitation, mais aussi des atteintes \u00e0 la r\u00e9putation \u00e0 long terme.<\/p>\n<h3>Comment les PME peuvent-elles se prot\u00e9ger contre les dommages cons\u00e9cutifs?<\/h3>\n<p>M\u00eame si la probabilit\u00e9 d\u2019un blackout est tr\u00e8s faible en Suisse, il vaut la peine, compte tenu de l\u2019ampleur du danger, de se prot\u00e9ger de mani\u00e8re cibl\u00e9e et globale.<\/p>\n<p>Cela n\u00e9cessite la combinaison de diff\u00e9rentes polices:<\/p>\n<ul>\n<li>Une assurance perte d\u2019exploitation pour couvrir les pertes et les co\u00fbts suppl\u00e9mentaires li\u00e9s \u00e0 l\u2019arr\u00eat de la production.<\/li>\n<li>Une assurance choses compl\u00e8te prend en charge les co\u00fbts des dommages aux machines ou aux installations r\u00e9sultant directement de la panne de courant.<\/li>\n<li>Enfin, une cyberassurance sp\u00e9ciale offre une protection contre les pannes informatiques ou les cyberattaques favoris\u00e9es par la panne de courant.<\/li>\n<\/ul>\n<h3>Attention aux lacunes de couverture li\u00e9es aux pannes d\u2019\u00e9nergie<\/h3>\n<p>La situation de risque exacte en cas de blackout est extr\u00eamement complexe et varie d\u2019une entreprise \u00e0 l\u2019autre. C\u2019est pourquoi des lacunes de couverture apparaissent rapidement. Pour les \u00e9viter, il faut des connaissances sp\u00e9cialis\u00e9es et une analyse approfondie des risques. Un courtier en assurances peut apporter une aide pr\u00e9cieuse \u00e0 cet \u00e9gard.<\/p>\n<p>Les expertes et experts d\u2019ASSEPRO identifient les risques sp\u00e9cifiques de l\u2019entreprise et d\u00e9veloppent des solutions d\u2019assurance sur mesure. L\u2019entreprise est ainsi parfaitement prot\u00e9g\u00e9e contre les risques d\u2019une panne de courant prolong\u00e9e.<\/p>\n\n                                                                                                                                                                                                                                                        <pre><a href=\"https:\/\/assepro.com\/ueber-assepro\/kontakt\/\" class=\"main-btn\" target=\"_blank\">DEMANDER UN ENTRETIEN-CONSEIL<span><i class=\"far fa-external-link\"><\/i><\/span><\/a><\/pre>\n                                                                                                                                        \n                            <div class=\"texteditor-after-btns\">\n                                                            <\/div>\n                                            <\/div>\n                <\/div>\n\n                                    <div class=\"intro-text-right-block scrollMagic-block delay-animation-3\" data-uid=\"6aa62e0468ac63\">\n                                            <\/div>\n                            <\/div>\n        <\/div>\n    <\/section>\n\n\n\n\n\n    \n                    <style>\n                .testimonials-with-bg .testimonials-with-bg-content .testimonial-wrapper .testimonials-with-bg-right-block .testimonial-person-photo.testimonial-person-photo-0{\n                    background-image: url(https:\/\/handel-schweiz.com\/wp-content\/uploads\/2023\/06\/Thomas-Freuler-kl.jpg);\n                }\n\n                                    @media only screen and (max-width: 1400px) {\n                        .testimonials-with-bg .testimonials-with-bg-content .testimonial-wrapper .testimonials-with-bg-right-block .testimonial-person-photo.testimonial-person-photo-0 {\n                            background-image: 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url(https:\/\/handel-schweiz.com\/wp-content\/uploads\/2023\/11\/Karin-Streit-heizmann-scaled-e1774537455703.jpg);\n                        }\n                    }\n                            <\/style>\n                    <style>\n                .testimonials-with-bg .testimonials-with-bg-content .testimonial-wrapper .testimonials-with-bg-right-block .testimonial-person-photo.testimonial-person-photo-3{\n                    background-image: url(https:\/\/handel-schweiz.com\/wp-content\/uploads\/2023\/12\/hans_christian_vondercrone_21-09-13_09-31-38-e1701683040971-923x1024.jpg);\n                }\n\n                                    @media only screen and (max-width: 1400px) {\n                        .testimonials-with-bg .testimonials-with-bg-content .testimonial-wrapper .testimonials-with-bg-right-block .testimonial-person-photo.testimonial-person-photo-3 {\n                            background-image: url(https:\/\/handel-schweiz.com\/wp-content\/uploads\/2023\/12\/hans_christian_vondercrone_21-09-13_09-31-38-e1701683040971-923x1024.jpg);\n                        }\n                    }\n                            <\/style>\n        \n        <section class=\"testimonials-with-bg testimonials-with-bg-6aa62e046c329\">\n            <div>\n                <div class=\"testimonial-bg-color\"><\/div>\n\n                <div class=\"testimonials-with-bg-content scrollMagic-block\" data-uid=\"6aa62e046c329\">\n                    <div class=\"testimonials-with-bg-slider\">\n                                                    <div class=\"testimonial-wrapper\">\n                                <div class=\"testimonials-with-bg-left-block equal-h\">\n                                    <div class=\"testimonial\">\n                                        <div>\n                                                                                            <div class=\"testimonial-title-block\">\n                                                    <h2 class=\"testimonial-title text-light mb_0 text-not-uppercase text-white\">Ce que disent nos membres<\/h2>\n                                                <\/div>\n                                            \n                                            <div class=\"testimonial-text-block\">\n                                                <p class=\"big\">\u00abWeltwirtschaftliche Krisen geben sich die Hand. Die Herausforderungen des Handels werden komplexer. Ein starker Verband mit klarer Strategie und Konsequenz gibt Orientierung und unterst\u00fctzt bei anstehenden Aufgaben.\u00bb<\/p>\n                                            <\/div>\n\n                                            <div class=\"testimonial-person-meta-block\">\n                                                <p class=\"mb_0\">Thomas Freuler<\/p>\n                                                <div class=\"person-meta\"><p>Pr\u00e4sident Schweizer Stahl- und Haustechnikverband \/ Spaeter AG<br \/>\nVorstand Handel Schweiz<\/p>\n<\/div>\n                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n\n                                <div class=\"testimonials-with-bg-right-block equal-h\">\n                                    <div class=\"testimonial-person-photo testimonial-person-photo-0\"><\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"testimonial-wrapper\">\n                                <div class=\"testimonials-with-bg-left-block equal-h\">\n                                    <div class=\"testimonial\">\n                                        <div>\n                                                                                            <div class=\"testimonial-title-block\">\n                                                    <h2 class=\"testimonial-title text-light mb_0 text-not-uppercase text-white\">Ce que disent nos membres<\/h2>\n                                                <\/div>\n                                            \n                                            <div class=\"testimonial-text-block\">\n                                                <p class=\"big\">\u00ab\u00a0Handel-Schweiz ist aktiv und engagiert sich f\u00fcr den Erhalt und die Entwicklung von handelsfreundlichen Rahmenbedingungen. Denn nur ein freier Handel garantiert die Versorgungssicherheit der Schweiz und f\u00fchrt zu wirtschaftlichem Erfolg.\u00a0\u00bb<\/p>\n                                            <\/div>\n\n                                            <div class=\"testimonial-person-meta-block\">\n                                                <p class=\"mb_0\">Benjamin St\u00e4helin<\/p>\n                                                <div class=\"person-meta\"><p>Gesch\u00e4ftsf\u00fchrer Tioman Trading SA<\/p>\n<\/div>\n                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n\n                                <div class=\"testimonials-with-bg-right-block equal-h\">\n                                    <div class=\"testimonial-person-photo testimonial-person-photo-1\"><\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"testimonial-wrapper\">\n                                <div class=\"testimonials-with-bg-left-block equal-h\">\n                                    <div class=\"testimonial\">\n                                        <div>\n                                                                                            <div class=\"testimonial-title-block\">\n                                                    <h2 class=\"testimonial-title text-light mb_0 text-not-uppercase text-white\">Ce que disent nos membres<\/h2>\n                                                <\/div>\n                                            \n                                            <div class=\"testimonial-text-block\">\n                                                <p class=\"big\">\u00ab\u00a0Handel Schweiz engagiert sich f\u00fcr praxisnahe Ausbildungen, um in der Berufsausbildung am Puls zu sein. Unsere Lernenden profitieren, dank einer soliden Grundlage, von tollen Karrierechancen f\u00fcr eine erfolgreiche berufliche Zukunft im Handelssektor.\u00a0\u00bb\r\n \r\n<\/p>\n                                            <\/div>\n\n                                            <div class=\"testimonial-person-meta-block\">\n                                                <p class=\"mb_0\">Karin Streit-Heizmann<\/p>\n                                                <div class=\"person-meta\"><p>Gesch\u00e4ftsf\u00fchrerin Heizmann AG<\/p>\n<\/div>\n                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n\n                                <div class=\"testimonials-with-bg-right-block equal-h\">\n                                    <div class=\"testimonial-person-photo testimonial-person-photo-2\"><\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"testimonial-wrapper\">\n                                <div class=\"testimonials-with-bg-left-block equal-h\">\n                                    <div class=\"testimonial\">\n                                        <div>\n                                                                                            <div class=\"testimonial-title-block\">\n                                                    <h2 class=\"testimonial-title text-light mb_0 text-not-uppercase text-white\">Ce que disent nos membres<\/h2>\n                                                <\/div>\n                                            \n                                            <div class=\"testimonial-text-block\">\n                                                <p class=\"big\">\u00ab\u00a0Gemeinsam mit andern f\u00fcr den Handel das Beste tun.\u00a0\u00bb<\/p>\n                                            <\/div>\n\n                                            <div class=\"testimonial-person-meta-block\">\n                                                <p class=\"mb_0\">Hans Christian von der Crone<\/p>\n                                                <div class=\"person-meta\"><p>Gesch\u00e4ftsf\u00fchrer Nimex AG \/ Vorstand Handel Schweiz<\/p>\n<\/div>\n                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n\n                                <div class=\"testimonials-with-bg-right-block equal-h\">\n                                    <div class=\"testimonial-person-photo testimonial-person-photo-3\"><\/div>\n                                <\/div>\n                            <\/div>\n                                            <\/div>\n                <\/div>\n            <\/div>\n        <\/section>\n    \n\n\n\n\n\n\n","protected":false},"featured_media":4291,"template":"","losung_category":[86],"losung_tag":[117,87],"thema":[91,88],"class_list":["post-4298","losung","type-losung","status-publish","has-post-thumbnail","hentry","losung_category-securite","losung_tag-assurances","losung_tag-securite-fr","thema-assurances-generales","thema-securite"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Assurance blackout PME: bien se couvrir | Handel Schweiz<\/title>\n<meta name=\"description\" content=\"Blackout: comment une assurance blackout PME couvre perte d&#039;exploitation, dommages machines et cyberrisques. 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