[{"data":1,"prerenderedAt":5478},["ShallowReactive",2],{"article-suspension-exclusion-avance-immediate-urssaf-sap":3,"related-suspension-exclusion-avance-immediate-urssaf-sap":813},{"_path":4,"_dir":5,"_draft":6,"_partial":6,"_locale":7,"title":8,"description":9,"slug":10,"publishedAt":11,"updatedAt":12,"author":13,"reviewedBy":18,"cover":19,"categories":24,"tags":26,"readingTime":33,"featured":6,"status":34,"seo":35,"faq":40,"body":56,"_type":807,"_id":808,"_source":809,"_file":810,"_stem":811,"_extension":812},"\u002Fblog\u002F2026\u002Fsuspension-exclusion-avance-immediate-urssaf-sap","2026",false,"","Suspension ou exclusion de l'Avance Immédiate : motifs, durées de 6 mois à 5 ans et comment l'éviter","Suspension ou exclusion de l'Avance Immédiate : documentation non conforme, garantie échue, déclarations fictives. Durées de 6 mois à 5 ans, notification et prévention.","suspension-exclusion-avance-immediate-urssaf-sap","2026-06-06T08:00:00Z","2026-09-26T08:00:00Z",{"name":14,"slug":15,"role":16,"bio":17},"Tutassûr","tutassur","Cabinet de courtage en assurances — ORIAS n°22001730","Tutassûr est un cabinet de courtage en assurances immatriculé à l'ORIAS sous le n°22001730, placé sous le contrôle de l'ACPR. Il propose une garantie financière SAP (article D133-22 du Code de la sécurité sociale) dès 490 €\u002Fan selon sa grille publiée.","Tutassûr — courtier ORIAS n°22001730",{"src":20,"alt":21,"width":22,"height":23},"\u002Fblog\u002Fsuspension-exclusion-avance-immediate-urssaf-sap\u002Fcover.svg","Suspension ou exclusion de l'Avance Immédiate : motifs et durées — Tutassûr",1200,675,[25],"reglementation",[27,28,29,30,31,32],"suspension avance immédiate","exclusion dispositif AVIM","radiation Urssaf services à la personne","garantie financière échue","déclarations fictives SAP","obligation Urssaf 2026",7,"published",{"ogImage":20,"metaKeywords":36},[27,37,29,38,39],"exclusion avance immédiate","durée suspension AVIM","déclarations fictives services à la personne",[41,44,47,50,53],{"question":42,"answer":43},"Quels sont les principaux motifs de suspension de l'Avance Immédiate ?","Plusieurs situations peuvent justifier une suspension ou une exclusion : non-paiement par l'entreprise ou par le consommateur, documentation insuffisante ou non conforme (dont une garantie financière échue ou manquante), non-respect des conditions d'utilisation du dispositif, déclarations établies ou présumées fictives (nombre ou montant de prestations anormalement élevé), ou encore situation du dirigeant (faillite, interdiction de gérer). La liste exacte et les conditions relèvent du décret n°2024-1161 et des communications de l'Urssaf.",{"question":45,"answer":46},"Combien de temps dure une suspension ?","Selon la gravité des faits, la suspension peut aller jusqu'à six mois, et l'exclusion jusqu'à cinq ans. La décision est notifiée avec ses motifs, ses conditions et sa durée, par voie électronique ou tout moyen conférant date certaine.",{"question":48,"answer":49},"Une garantie financière échue peut-elle entraîner une suspension ?","Oui. Si votre garantie financière prend fin sans être renouvelée, le garant en informe l'organisme et votre accès au dispositif peut être suspendu jusqu'à régularisation. C'est pourquoi il faut anticiper le renouvellement avant l'échéance, idéalement deux à trois mois avant.",{"question":51,"answer":52},"Que signifie « déclarations présumées fictives » ?","Le dispositif vise à prévenir la fraude. Un volume ou un montant de prestations jugé anormalement élevé au regard de votre activité réelle peut conduire l'Urssaf à présumer le caractère fictif des déclarations et à suspendre l'accès, le temps des vérifications. Une comptabilité claire et des justificatifs solides protègent votre structure.",{"question":54,"answer":55},"Une suspension liée à la garantie financière peut-elle être levée ?","Oui. Lorsque la suspension tient à une garantie financière échue ou manquante, l'accès à l'Avance Immédiate est rétabli après réception et traitement par l'Urssaf d'une attestation conforme. La décision de suspension est notifiée avec ses motifs, ses conditions et sa durée, ce qui permet d'identifier la pièce à régulariser.",{"type":57,"children":58,"toc":790},"root",[59,100,139,146,294,300,352,358,365,390,395,407,413,446,452,477,483,556,562,624,630,654,666,672,727,733,770,778,782],{"type":60,"tag":61,"props":62,"children":63},"element","p",{},[64],{"type":60,"tag":65,"props":66,"children":67},"em",{},[68,71,77,79,84,86,91,93,98],{"type":69,"value":70},"text","Guide 2026 — Publié le 6 juin 2026, ",{"type":60,"tag":72,"props":73,"children":74},"strong",{},[75],{"type":69,"value":76},"article mis à jour le 26 septembre 2026",{"type":69,"value":78}," (tarifs selon la grille publiée, date limite Urssaf au 31 octobre 2026). Cet article détaille le cadre réglementaire des sanctions : les motifs de ",{"type":60,"tag":72,"props":80,"children":81},{},[82],{"type":69,"value":83},"suspension",{"type":69,"value":85}," ou d'",{"type":60,"tag":72,"props":87,"children":88},{},[89],{"type":69,"value":90},"exclusion",{"type":69,"value":92}," d'un organisme de services à la personne du dispositif d'",{"type":60,"tag":72,"props":94,"children":95},{},[96],{"type":69,"value":97},"Avance Immédiate (AVIM)",{"type":69,"value":99},", leurs durées, leur notification, et les moyens de les éviter.",{"type":60,"tag":61,"props":101,"children":102},{},[103,105,110,112,117,119,123,125,130,132,137],{"type":69,"value":104},"La ",{"type":60,"tag":72,"props":106,"children":107},{},[108],{"type":69,"value":109},"suspension de l'Avance Immédiate",{"type":69,"value":111}," (jusqu'à ",{"type":60,"tag":72,"props":113,"children":114},{},[115],{"type":69,"value":116},"six mois",{"type":69,"value":118},") et l'",{"type":60,"tag":72,"props":120,"children":121},{},[122],{"type":69,"value":90},{"type":69,"value":124}," du dispositif (jusqu'à ",{"type":60,"tag":72,"props":126,"children":127},{},[128],{"type":69,"value":129},"cinq ans",{"type":69,"value":131},") sont les mesures prévues par le décret n°2024-1161 à l'encontre d'un organisme de services à la personne qui ne respecte pas ses obligations : documentation non conforme (dont une garantie financière échue), non-paiement, non-respect des conditions d'utilisation, déclarations présumées fictives, situation du dirigeant. La plupart de ces situations s'",{"type":60,"tag":72,"props":133,"children":134},{},[135],{"type":69,"value":136},"anticipent",{"type":69,"value":138},". Voici les motifs, les durées, la façon dont la décision vous est notifiée et les moyens de conserver votre accès.",{"type":60,"tag":140,"props":141,"children":143},"h2",{"id":142},"lessentiel-à-retenir",[144],{"type":69,"value":145},"L'essentiel à retenir",{"type":60,"tag":147,"props":148,"children":149},"ul",{},[150,181,221,240,258],{"type":60,"tag":151,"props":152,"children":153},"li",{},[154,156,161,162,167,169,173,174,179],{"type":69,"value":155},"L'accès à l'Avance Immédiate peut être ",{"type":60,"tag":72,"props":157,"children":158},{},[159],{"type":69,"value":160},"suspendu",{"type":69,"value":111},{"type":60,"tag":72,"props":163,"children":164},{},[165],{"type":69,"value":166},"6 mois",{"type":69,"value":168},") ou conduire à une ",{"type":60,"tag":72,"props":170,"children":171},{},[172],{"type":69,"value":90},{"type":69,"value":111},{"type":60,"tag":72,"props":175,"children":176},{},[177],{"type":69,"value":178},"5 ans",{"type":69,"value":180},") selon la gravité.",{"type":60,"tag":151,"props":182,"children":183},{},[184,186,191,193,198,200,205,207,212,214,219],{"type":69,"value":185},"Motifs principaux : ",{"type":60,"tag":72,"props":187,"children":188},{},[189],{"type":69,"value":190},"non-paiement",{"type":69,"value":192},", ",{"type":60,"tag":72,"props":194,"children":195},{},[196],{"type":69,"value":197},"documentation non conforme",{"type":69,"value":199}," (dont une ",{"type":60,"tag":72,"props":201,"children":202},{},[203],{"type":69,"value":204},"garantie financière échue ou manquante",{"type":69,"value":206},"), ",{"type":60,"tag":72,"props":208,"children":209},{},[210],{"type":69,"value":211},"non-respect des conditions",{"type":69,"value":213}," du dispositif, ",{"type":60,"tag":72,"props":215,"children":216},{},[217],{"type":69,"value":218},"déclarations présumées fictives",{"type":69,"value":220},", situation du dirigeant.",{"type":60,"tag":151,"props":222,"children":223},{},[224,226,231,233,238],{"type":69,"value":225},"La décision est ",{"type":60,"tag":72,"props":227,"children":228},{},[229],{"type":69,"value":230},"notifiée",{"type":69,"value":232}," (motifs, conditions, durée) par voie électronique ou tout moyen conférant ",{"type":60,"tag":72,"props":234,"children":235},{},[236],{"type":69,"value":237},"date certaine",{"type":69,"value":239},".",{"type":60,"tag":151,"props":241,"children":242},{},[243,245,250,252,257],{"type":69,"value":244},"Une ",{"type":60,"tag":72,"props":246,"children":247},{},[248],{"type":69,"value":249},"garantie financière à jour",{"type":69,"value":251}," écarte l'un des motifs de suspension : anticipez son ",{"type":60,"tag":72,"props":253,"children":254},{},[255],{"type":69,"value":256},"renouvellement",{"type":69,"value":239},{"type":60,"tag":151,"props":259,"children":260},{},[261,266,268,277,278,285,287,293],{"type":60,"tag":72,"props":262,"children":263},{},[264],{"type":69,"value":265},"Date limite de dépôt de la garantie financière : 31 octobre 2026",{"type":69,"value":267}," (",{"type":60,"tag":269,"props":270,"children":274},"a",{"href":271,"rel":272},"https:\u002F\u002Fwww.urssaf.fr\u002Faccueil\u002Fservices\u002Fservices-particuliers\u002Fservice-avance-immediate.html",[273],"nofollow",[275],{"type":69,"value":276},"urssaf.fr",{"type":69,"value":192},{"type":60,"tag":269,"props":279,"children":282},{"href":280,"rel":281},"https:\u002F\u002Fwww.urssaf.fr\u002Ffiles\u002Flive\u002Fsites\u002Furssaffr\u002Ffiles\u002Fautres\u002FFAQ_garanties_financieres.pdf",[273],[283],{"type":69,"value":284},"FAQ garanties financières de l'Urssaf",{"type":69,"value":286},"). L'absence d'attestation à cette date entraîne une suspension de l'accès jusqu'à réception et traitement d'une attestation conforme, pas une exclusion : voir ",{"type":60,"tag":269,"props":288,"children":290},{"href":289},"\u002Fblog\u002Favance-immediate-sans-garantie-financiere-1er-novembre-2026",[291],{"type":69,"value":292},"ce qui se passe au 1er novembre 2026",{"type":69,"value":239},{"type":60,"tag":140,"props":295,"children":297},{"id":296},"suspension-exclusion-de-quoi-parle-t-on",[298],{"type":69,"value":299},"Suspension, exclusion : de quoi parle-t-on ?",{"type":60,"tag":61,"props":301,"children":302},{},[303,305,310,312,317,319,324,326,330,332,336,338,343,345,351],{"type":69,"value":304},"Le dispositif d'Avance Immédiate repose sur la ",{"type":60,"tag":72,"props":306,"children":307},{},[308],{"type":69,"value":309},"confiance",{"type":69,"value":311}," : l'Urssaf avance des fonds correspondant au crédit d'impôt de vos clients. En contrepartie, elle se réserve le droit de ",{"type":60,"tag":72,"props":313,"children":314},{},[315],{"type":69,"value":316},"suspendre",{"type":69,"value":318}," (temporairement) ou d'",{"type":60,"tag":72,"props":320,"children":321},{},[322],{"type":69,"value":323},"exclure",{"type":69,"value":325}," (plus durablement) un organisme qui ne respecte pas ses obligations ou dont l'activité présente un risque. La ",{"type":60,"tag":72,"props":327,"children":328},{},[329],{"type":69,"value":83},{"type":69,"value":331}," interrompt l'accès le temps d'une régularisation ; l'",{"type":60,"tag":72,"props":333,"children":334},{},[335],{"type":69,"value":90},{"type":69,"value":337}," est plus lourde et peut durer ",{"type":60,"tag":72,"props":339,"children":340},{},[341],{"type":69,"value":342},"jusqu'à cinq ans",{"type":69,"value":344},". Dans les deux cas, vos clients ne bénéficient plus de l'avance de leur crédit d'impôt pendant la mesure : les conséquences pour votre chiffre d'affaires et votre trésorerie sont détaillées dans notre article ",{"type":60,"tag":269,"props":346,"children":348},{"href":347},"\u002Fblog\u002Fgarantie-financiere-sap-avance-immediate-bloquee-solution",[349],{"type":69,"value":350},"Avance Immédiate bloquée : perte de clients et de chiffre d'affaires",{"type":69,"value":239},{"type":60,"tag":140,"props":353,"children":355},{"id":354},"les-motifs-à-connaître",[356],{"type":69,"value":357},"Les motifs à connaître",{"type":60,"tag":359,"props":360,"children":362},"h3",{"id":361},"documentation-insuffisante-ou-non-conforme",[363],{"type":69,"value":364},"Documentation insuffisante ou non conforme",{"type":60,"tag":61,"props":366,"children":367},{},[368,370,375,377,381,383,388],{"type":69,"value":369},"C'est un motif ",{"type":60,"tag":72,"props":371,"children":372},{},[373],{"type":69,"value":374},"évitable",{"type":69,"value":376},". Une pièce manquante, une attestation périmée ou une ",{"type":60,"tag":72,"props":378,"children":379},{},[380],{"type":69,"value":30},{"type":69,"value":382}," suffit à fragiliser votre dossier. La garantie financière (article D133-22) doit être ",{"type":60,"tag":72,"props":384,"children":385},{},[386],{"type":69,"value":387},"valide et renouvelée",{"type":69,"value":389}," : si elle prend fin sans relais, le garant en informe l'organisme et votre accès peut être suspendu.",{"type":60,"tag":359,"props":391,"children":392},{"id":190},[393],{"type":69,"value":394},"Non-paiement",{"type":60,"tag":61,"props":396,"children":397},{},[398,400,405],{"type":69,"value":399},"Un défaut de paiement — de votre part comme, dans certains cas, de celle du consommateur — peut justifier une mesure. La régularité de vos ",{"type":60,"tag":72,"props":401,"children":402},{},[403],{"type":69,"value":404},"cotisations sociales et obligations fiscales",{"type":69,"value":406}," est d'ailleurs vérifiée via les attestations exigées par le dispositif.",{"type":60,"tag":359,"props":408,"children":410},{"id":409},"déclarations-établies-ou-présumées-fictives",[411],{"type":69,"value":412},"Déclarations établies ou présumées fictives",{"type":60,"tag":61,"props":414,"children":415},{},[416,418,423,425,430,432,437,439,444],{"type":69,"value":417},"Le dispositif lutte contre la ",{"type":60,"tag":72,"props":419,"children":420},{},[421],{"type":69,"value":422},"fraude",{"type":69,"value":424},". Un ",{"type":60,"tag":72,"props":426,"children":427},{},[428],{"type":69,"value":429},"volume ou un montant de prestations anormalement élevé",{"type":69,"value":431}," au regard de votre activité réelle peut conduire l'Urssaf à ",{"type":60,"tag":72,"props":433,"children":434},{},[435],{"type":69,"value":436},"présumer",{"type":69,"value":438}," le caractère fictif des déclarations, et à suspendre l'accès le temps des vérifications. Une ",{"type":60,"tag":72,"props":440,"children":441},{},[442],{"type":69,"value":443},"comptabilité claire",{"type":69,"value":445}," et des justificatifs solides vous protègent.",{"type":60,"tag":359,"props":447,"children":449},{"id":448},"situation-du-dirigeant-et-de-lentreprise",[450],{"type":69,"value":451},"Situation du dirigeant et de l'entreprise",{"type":60,"tag":61,"props":453,"children":454},{},[455,457,462,463,468,470,475],{"type":69,"value":456},"Surendettement, ",{"type":60,"tag":72,"props":458,"children":459},{},[460],{"type":69,"value":461},"faillite",{"type":69,"value":192},{"type":60,"tag":72,"props":464,"children":465},{},[466],{"type":69,"value":467},"interdiction de gérer",{"type":69,"value":469}," : la situation juridique du dirigeant et de la structure est prise en compte. Ces éléments rejoignent les ",{"type":60,"tag":72,"props":471,"children":472},{},[473],{"type":69,"value":474},"critères d'éligibilité",{"type":69,"value":476}," examinés au moment de la souscription de la garantie.",{"type":60,"tag":140,"props":478,"children":480},{"id":479},"quelles-durées-et-comment-êtes-vous-informé",[481],{"type":69,"value":482},"Quelles durées, et comment êtes-vous informé ?",{"type":60,"tag":61,"props":484,"children":485},{},[486,488,493,495,500,502,507,509,513,515,520,522,527,529,534,536,541,543,547,549,554],{"type":69,"value":487},"Selon la ",{"type":60,"tag":72,"props":489,"children":490},{},[491],{"type":69,"value":492},"gravité",{"type":69,"value":494},", la mesure peut aller de la ",{"type":60,"tag":72,"props":496,"children":497},{},[498],{"type":69,"value":499},"suspension jusqu'à 6 mois",{"type":69,"value":501}," à l'",{"type":60,"tag":72,"props":503,"children":504},{},[505],{"type":69,"value":506},"exclusion jusqu'à 5 ans",{"type":69,"value":508},". La décision vous est ",{"type":60,"tag":72,"props":510,"children":511},{},[512],{"type":69,"value":230},{"type":69,"value":514}," avec ses ",{"type":60,"tag":72,"props":516,"children":517},{},[518],{"type":69,"value":519},"motifs",{"type":69,"value":521},", ses ",{"type":60,"tag":72,"props":523,"children":524},{},[525],{"type":69,"value":526},"conditions",{"type":69,"value":528}," et sa ",{"type":60,"tag":72,"props":530,"children":531},{},[532],{"type":69,"value":533},"durée",{"type":69,"value":535},", par ",{"type":60,"tag":72,"props":537,"children":538},{},[539],{"type":69,"value":540},"voie électronique",{"type":69,"value":542}," ou tout moyen conférant ",{"type":60,"tag":72,"props":544,"children":545},{},[546],{"type":69,"value":237},{"type":69,"value":548},". Vous n'êtes donc pas censé découvrir une suspension sans explication : la notification ouvre la voie à la ",{"type":60,"tag":72,"props":550,"children":551},{},[552],{"type":69,"value":553},"régularisation",{"type":69,"value":555}," lorsque c'est possible.",{"type":60,"tag":140,"props":557,"children":559},{"id":558},"comment-éviter-la-suspension",[560],{"type":69,"value":561},"Comment éviter la suspension",{"type":60,"tag":147,"props":563,"children":564},{},[565,582,592,602,612],{"type":60,"tag":151,"props":566,"children":567},{},[568,573,575,580],{"type":60,"tag":72,"props":569,"children":570},{},[571],{"type":69,"value":572},"Renouvelez votre garantie financière à temps",{"type":69,"value":574}," — idéalement ",{"type":60,"tag":72,"props":576,"children":577},{},[578],{"type":69,"value":579},"2 à 3 mois avant",{"type":69,"value":581}," l'échéance, pour éviter toute rupture.",{"type":60,"tag":151,"props":583,"children":584},{},[585,590],{"type":60,"tag":72,"props":586,"children":587},{},[588],{"type":69,"value":589},"Tenez vos attestations à jour",{"type":69,"value":591}," (vigilance, régularité fiscale, déclaration\u002Fagrément).",{"type":60,"tag":151,"props":593,"children":594},{},[595,600],{"type":60,"tag":72,"props":596,"children":597},{},[598],{"type":69,"value":599},"Dimensionnez correctement",{"type":69,"value":601}," votre garantie pour rester dans votre palier de barème.",{"type":60,"tag":151,"props":603,"children":604},{},[605,610],{"type":60,"tag":72,"props":606,"children":607},{},[608],{"type":69,"value":609},"Conservez une comptabilité claire",{"type":69,"value":611}," et des justificatifs de prestations cohérents avec votre activité.",{"type":60,"tag":151,"props":613,"children":614},{},[615,617,622],{"type":69,"value":616},"En cas de doute, ",{"type":60,"tag":72,"props":618,"children":619},{},[620],{"type":69,"value":621},"faites vérifier votre situation",{"type":69,"value":623}," par un professionnel.",{"type":60,"tag":140,"props":625,"children":627},{"id":626},"la-solution-tutassûr",[628],{"type":69,"value":629},"La solution Tutassûr",{"type":60,"tag":61,"props":631,"children":632},{},[633,635,640,642,647,649,653],{"type":69,"value":634},"Chez Tutassûr, la demande de devis de ",{"type":60,"tag":72,"props":636,"children":637},{},[638],{"type":69,"value":639},"garantie financière SAP",{"type":69,"value":641}," (article D133-22) se fait en ligne, ",{"type":60,"tag":72,"props":643,"children":644},{},[645],{"type":69,"value":646},"à partir de 490 €\u002Fan",{"type":69,"value":648}," selon la grille publiée. Une garantie renouvelée avant son échéance écarte l'un des motifs de suspension : notez la date d'expiration de votre attestation et anticipez le ",{"type":60,"tag":72,"props":650,"children":651},{},[652],{"type":69,"value":256},{"type":69,"value":239},{"type":60,"tag":61,"props":655,"children":656},{},[657],{"type":60,"tag":269,"props":658,"children":660},{"href":659},"\u002Fassurances\u002Fprofessionnelles\u002Fgarantie-financiere-services-a-la-personne",[661],{"type":60,"tag":72,"props":662,"children":663},{},[664],{"type":69,"value":665},"Sécuriser ma garantie financière SAP →",{"type":60,"tag":140,"props":667,"children":669},{"id":668},"pour-aller-plus-loin",[670],{"type":69,"value":671},"Pour aller plus loin",{"type":60,"tag":147,"props":673,"children":674},{},[675,686,697,708,718],{"type":60,"tag":151,"props":676,"children":677},{},[678,684],{"type":60,"tag":269,"props":679,"children":681},{"href":680},"\u002Fblog\u002Fgarantie-financiere-services-personne-obligation-urssaf-2026",[682],{"type":69,"value":683},"Garantie financière services à la personne : guide 2026",{"type":69,"value":685}," — l'obligation complète.",{"type":60,"tag":151,"props":687,"children":688},{},[689,695],{"type":60,"tag":269,"props":690,"children":692},{"href":691},"\u002Fblog\u002Fgarantie-financiere-sap-refus-criteres-eligibilite",[693],{"type":69,"value":694},"Garantie financière SAP refusée : critères d'éligibilité et solutions",{"type":69,"value":696}," — les critères examinés en amont.",{"type":60,"tag":151,"props":698,"children":699},{},[700,706],{"type":60,"tag":269,"props":701,"children":703},{"href":702},"\u002Fblog\u002Favance-immediate-attestations-obligatoires-urssaf",[704],{"type":69,"value":705},"Avance Immédiate : les attestations obligatoires",{"type":69,"value":707}," — l'ensemble des justificatifs à jour.",{"type":60,"tag":151,"props":709,"children":710},{},[711,716],{"type":60,"tag":269,"props":712,"children":713},{"href":289},[714],{"type":69,"value":715},"Avance Immédiate au 1er novembre 2026 sans garantie financière",{"type":69,"value":717}," — ce qui se passe à la date limite et comment régulariser en urgence.",{"type":60,"tag":151,"props":719,"children":720},{},[721,725],{"type":60,"tag":269,"props":722,"children":723},{"href":347},[724],{"type":69,"value":350},{"type":69,"value":726}," — ce que coûte un accès bloqué et comment le débloquer.",{"type":60,"tag":140,"props":728,"children":730},{"id":729},"sources-officielles",[731],{"type":69,"value":732},"Sources officielles",{"type":60,"tag":147,"props":734,"children":735},{},[736,748,760],{"type":60,"tag":151,"props":737,"children":738},{},[739,741],{"type":69,"value":740},"Décret n°2024-1161 du 4 décembre 2024 (Légifrance) — ",{"type":60,"tag":269,"props":742,"children":745},{"href":743,"rel":744},"https:\u002F\u002Fwww.legifrance.gouv.fr\u002Fjorf\u002Fid\u002FJORFTEXT000050733357",[273],[746],{"type":69,"value":747},"JORFTEXT000050733357",{"type":60,"tag":151,"props":749,"children":750},{},[751,753],{"type":69,"value":752},"Article D133-22 du Code de la sécurité sociale (Légifrance) — ",{"type":60,"tag":269,"props":754,"children":757},{"href":755,"rel":756},"https:\u002F\u002Fwww.legifrance.gouv.fr\u002Fcodes\u002Farticle_lc\u002FLEGIARTI000051802709",[273],[758],{"type":69,"value":759},"LEGIARTI000051802709",{"type":60,"tag":151,"props":761,"children":762},{},[763,765],{"type":69,"value":764},"Service Avance Immédiate — ",{"type":60,"tag":269,"props":766,"children":768},{"href":271,"rel":767},[273],[769],{"type":69,"value":276},{"type":60,"tag":771,"props":772,"children":777},"cta-subscribe",{"cta-label":773,"href":659,"product":774,"subtitle":775,"title":776},"Sécuriser ma garantie","rcpro","Garantie financière SAP (article D133-22) : demande de devis en ligne, à partir de 490 €\u002Fan selon la grille publiée.","Ne perdez pas votre accès à l'Avance Immédiate",[],{"type":60,"tag":779,"props":780,"children":781},"hr",{},[],{"type":60,"tag":61,"props":783,"children":784},{},[785],{"type":60,"tag":65,"props":786,"children":787},{},[788],{"type":69,"value":789},"Cet article a été rédigé à des fins d'information générale. Il ne constitue pas un conseil juridique et ne se substitue pas aux décisions de l'Urssaf, seule compétente pour apprécier une suspension ou une exclusion. Les éléments réglementaires (décret n°2024-1161, article D133-22 du Code de la sécurité sociale) sont susceptibles d'évoluer ; vérifiez les sources officielles Légifrance et Urssaf. Échéance des contrôles Urssaf : reportée au 31 octobre 2026.",{"title":7,"searchDepth":791,"depth":791,"links":792},3,[793,795,796,802,803,804,805,806],{"id":142,"depth":794,"text":145},2,{"id":296,"depth":794,"text":299},{"id":354,"depth":794,"text":357,"children":797},[798,799,800,801],{"id":361,"depth":791,"text":364},{"id":190,"depth":791,"text":394},{"id":409,"depth":791,"text":412},{"id":448,"depth":791,"text":451},{"id":479,"depth":794,"text":482},{"id":558,"depth":794,"text":561},{"id":626,"depth":794,"text":629},{"id":668,"depth":794,"text":671},{"id":729,"depth":794,"text":732},"markdown","content:blog:2026:suspension-exclusion-avance-immediate-urssaf-sap.md","content","blog\u002F2026\u002Fsuspension-exclusion-avance-immediate-urssaf-sap.md","blog\u002F2026\u002Fsuspension-exclusion-avance-immediate-urssaf-sap","md",[814,2013,3830],{"_path":815,"_dir":5,"_draft":6,"_partial":6,"_locale":7,"title":816,"description":817,"slug":818,"publishedAt":819,"updatedAt":12,"author":820,"reviewedBy":18,"cover":822,"categories":825,"tags":826,"readingTime":833,"featured":6,"status":34,"seo":834,"faq":838,"body":857,"_type":807,"_id":2010,"_source":809,"_file":2011,"_stem":2012,"_extension":812},"\u002Fblog\u002F2026\u002Favance-immediate-sans-garantie-financiere-1er-novembre-2026","Avance Immédiate au 1er novembre 2026 sans garantie financière : ce qui se passe et comment régulariser vite","Avance Immédiate sans garantie financière au 1er novembre 2026 : ce que fait l'Urssaf, qui est concerné, régularisation en 5 étapes, message aux clients. Dès 490 €\u002Fan.","avance-immediate-sans-garantie-financiere-1er-novembre-2026","2026-09-25T08:00:00Z",{"name":14,"slug":15,"role":16,"bio":821},"Tutassûr est un cabinet de courtage en assurances immatriculé à l'ORIAS sous le n°22001730, placé sous le contrôle de l'ACPR. Tutassûr propose aux organismes de services à la personne un parcours de devis en ligne pour obtenir une attestation de garantie financière conforme à l'article D133-22 du Code de la sécurité sociale.",{"src":823,"alt":824,"width":22,"height":23},"\u002Fblog\u002Favance-immediate-sans-garantie-financiere-1er-novembre-2026\u002Fcover.svg","Sans garantie financière au 1er novembre 2026 : conséquences sur l'Avance Immédiate et régularisation — Tutassûr",[25],[827,828,829,830,831,832],"avance immédiate sans garantie financière","1er novembre 2026","garantie financière SAP en retard","régulariser garantie financière SAP","date limite 31 octobre 2026","attestation D133-22",9,{"ogImage":823,"metaKeywords":835},[827,836,830,837,829],"avance immédiate 1er novembre 2026","prévenir ses clients avance immédiate",[839,842,845,848,851,854],{"question":840,"answer":841},"L'accès à l'Avance Immédiate est-il coupé automatiquement le 1er novembre 2026 ?","Le 31 octobre 2026 est la date limite de dépôt de la garantie fixée par l'Urssaf dans le cadre de ses contrôles. Passé cette date, un organisme concerné dont l'attestation n'a pas été reçue ne peut plus utiliser le service tant qu'une attestation conforme n'a pas été reçue et traitée. L'Urssaf prévoit des notifications automatiques, mais n'attendez pas de les recevoir pour agir.",{"question":843,"answer":844},"Mon client perd-il son crédit d'impôt si je n'ai pas d'attestation au 1er novembre 2026 ?","Non. Le crédit d'impôt services à la personne reste acquis au client. Ce qui disparaît tant que votre attestation n'a pas été reçue et traitée, c'est son avance immédiate : le client règle la totalité de la prestation et récupère le crédit d'impôt l'année suivante, lors de sa déclaration de revenus, sur la base de l'attestation fiscale annuelle que vous lui remettez.",{"question":846,"answer":847},"Puis-je encore régulariser après le 31 octobre 2026 ?","Oui. L'absence d'attestation à la date limite entraîne une suspension de l'accès, pas une exclusion définitive. L'accès est rétabli une fois l'attestation conforme reçue et traitée par l'Urssaf. Chaque jour de suspension a toutefois un coût commercial : vos clients avancent 100 % du prix pendant ce temps.",{"question":849,"answer":850},"Combien coûte la régularisation de la garantie financière SAP avec la nouvelle grille Tutassûr ?","La grille publiée le 25 septembre 2026 démarre à 490 € TTC par an pour une structure de plus de trois ans d'ancienneté déclarant jusqu'à 500 000 € de prestations (garantie de 15 000 €). Sans liasse fiscale sur une année complète, la même tranche est à 963 €. Tarifs indicatifs, hors fractionnement, définitifs après étude du dossier.",{"question":852,"answer":853},"Que faire si ma garantie actuelle expire avant la fin de l'année 2026 ?","Anticipez le renouvellement : une garantie qui prend fin sans relais produit le même blocage qu'une absence d'attestation. L'Urssaf prévoit des notifications à l'approche de l'échéance, mais votre propre suivi reste indispensable. Demandez la nouvelle attestation avant l'expiration, transmettez-la à avance-immediate@urssaf.fr et conservez l'accusé de réception comme preuve.",{"question":855,"answer":856},"Le report au 31 octobre 2026 est-il officiel ?","Oui. La page du service Avance Immédiate sur urssaf.fr et la foire aux questions de l'Urssaf sur la garantie financière indiquent que la date limite de dépôt de garantie est fixée au 31\u002F10\u002F2026, dans le cadre de la mise en œuvre des contrôles. La presse spécialisée a relayé ce report dès juillet 2026, l'échéance précédente étant le 31 juillet 2026.",{"type":57,"children":858,"toc":1992},[859,901,918,924,989,995,1007,1012,1053,1072,1078,1083,1186,1206,1212,1223,1229,1234,1355,1361,1366,1372,1394,1400,1405,1411,1429,1435,1440,1673,1686,1692,1697,1707,1717,1735,1740,1746,1816,1822,1847,1859,1865,1917,1921,1975,1981,1984],{"type":60,"tag":61,"props":860,"children":861},{},[862],{"type":60,"tag":65,"props":863,"children":864},{},[865,867,872,874,879,881,886,888,893,895,900],{"type":69,"value":866},"Point d'étape — Publié le 25 septembre 2026, mis à jour le 26 septembre 2026. L'Urssaf a fixé la ",{"type":60,"tag":72,"props":868,"children":869},{},[870],{"type":69,"value":871},"date limite de dépôt de la garantie financière",{"type":69,"value":873}," des organismes de services à la personne au ",{"type":60,"tag":72,"props":875,"children":876},{},[877],{"type":69,"value":878},"31 octobre 2026",{"type":69,"value":880}," (échéance reportée, après le 1er janvier puis le 31 juillet 2026). Cet article est consacré à une date précise : ce qui se passe pour l'",{"type":60,"tag":72,"props":882,"children":883},{},[884],{"type":69,"value":885},"Avance Immédiate au 1er novembre 2026",{"type":69,"value":887}," lorsqu'un organisme n'a pas d'",{"type":60,"tag":72,"props":889,"children":890},{},[891],{"type":69,"value":892},"attestation conforme",{"type":69,"value":894},", et comment ",{"type":60,"tag":72,"props":896,"children":897},{},[898],{"type":69,"value":899},"régulariser en urgence",{"type":69,"value":239},{"type":60,"tag":61,"props":902,"children":903},{},[904,908,910,916],{"type":60,"tag":72,"props":905,"children":906},{},[907],{"type":69,"value":715},{"type":69,"value":909}," : dès le lendemain de la date limite, un organisme de services à la personne soumis à l'article D133-22 dont l'attestation n'a pas été reçue ne peut plus utiliser le service, jusqu'à réception et traitement d'une attestation conforme par l'Urssaf. Ses clients avancent alors 100 % de la prestation. La régularisation en urgence passe par un devis, une attestation et sa transmission à ",{"type":60,"tag":269,"props":911,"children":913},{"href":912},"mailto:avance-immediate@urssaf.fr",[914],{"type":69,"value":915},"avance-immediate@urssaf.fr",{"type":69,"value":917}," ; les étapes, le coût et le message à adresser à vos clients sont détaillés ci-dessous.",{"type":60,"tag":140,"props":919,"children":921},{"id":920},"que-faut-il-retenir-en-30-secondes",[922],{"type":69,"value":923},"Que faut-il retenir en 30 secondes ?",{"type":60,"tag":147,"props":925,"children":926},{},[927,937,954,964,979],{"type":60,"tag":151,"props":928,"children":929},{},[930,935],{"type":60,"tag":72,"props":931,"children":932},{},[933],{"type":69,"value":934},"Date limite de dépôt de la garantie : 31 octobre 2026",{"type":69,"value":936},", fixée par l'Urssaf au titre de la mise en œuvre de ses contrôles. Les dates du 1er janvier et du 31 juillet 2026 sont dépassées.",{"type":60,"tag":151,"props":938,"children":939},{},[940,945,947,952],{"type":60,"tag":72,"props":941,"children":942},{},[943],{"type":69,"value":944},"Au 1er novembre 2026",{"type":69,"value":946},", un organisme concerné sans attestation conforme ",{"type":60,"tag":72,"props":948,"children":949},{},[950],{"type":69,"value":951},"ne peut plus utiliser le service",{"type":69,"value":953}," jusqu'à réception et traitement d'une nouvelle attestation par l'Urssaf.",{"type":60,"tag":151,"props":955,"children":956},{},[957,962],{"type":60,"tag":72,"props":958,"children":959},{},[960],{"type":69,"value":961},"Pour vos clients",{"type":69,"value":963}," : plus d'avance du crédit d'impôt, 100 % de la prestation à régler, crédit d'impôt récupéré l'année suivante.",{"type":60,"tag":151,"props":965,"children":966},{},[967,972,974,978],{"type":60,"tag":72,"props":968,"children":969},{},[970],{"type":69,"value":971},"Régularisation",{"type":69,"value":973}," : devis en ligne, attestation conforme D133-22, transmission à ",{"type":60,"tag":269,"props":975,"children":976},{"href":912},[977],{"type":69,"value":915},{"type":69,"value":239},{"type":60,"tag":151,"props":980,"children":981},{},[982,987],{"type":60,"tag":72,"props":983,"children":984},{},[985],{"type":69,"value":986},"Tarif Tutassûr : à partir de 490 €\u002Fan",{"type":69,"value":988}," (nouvelle grille du 25 septembre 2026).",{"type":60,"tag":140,"props":990,"children":992},{"id":991},"que-fait-lurssaf-après-le-31-octobre-2026",[993],{"type":69,"value":994},"Que fait l'Urssaf après le 31 octobre 2026 ?",{"type":60,"tag":61,"props":996,"children":997},{},[998,1000,1005],{"type":69,"value":999},"La page officielle du service Avance Immédiate est explicite : « la date limite de dépôt de garantie est fixée au 31\u002F10\u002F2026 », dans le cadre de la mise en œuvre des contrôles liés à la garantie financière. La foire aux questions de l'Urssaf consacrée à la garantie financière précise la conséquence d'un dossier absent : lorsqu'une attestation nécessaire à l'usage du dispositif n'a pas été reçue, l'organisme ",{"type":60,"tag":72,"props":1001,"children":1002},{},[1003],{"type":69,"value":1004},"ne peut plus utiliser le service tant que l'Urssaf n'a pas reçu et traité",{"type":69,"value":1006}," une nouvelle attestation.",{"type":60,"tag":61,"props":1008,"children":1009},{},[1010],{"type":69,"value":1011},"Trois points ressortent de cette documentation officielle :",{"type":60,"tag":1013,"props":1014,"children":1015},"ol",{},[1016,1033,1043],{"type":60,"tag":151,"props":1017,"children":1018},{},[1019,1024,1026,1031],{"type":60,"tag":72,"props":1020,"children":1021},{},[1022],{"type":69,"value":1023},"Il n'y a pas de période de grâce après le 31 octobre.",{"type":69,"value":1025}," L'Urssaf conseille elle-même de ne pas attendre l'échéance pour transmettre l'attestation, car celle-ci doit être reçue ",{"type":60,"tag":72,"props":1027,"children":1028},{},[1029],{"type":69,"value":1030},"et traitée",{"type":69,"value":1032}," pour que l'accès soit maintenu ou rétabli.",{"type":60,"tag":151,"props":1034,"children":1035},{},[1036,1041],{"type":60,"tag":72,"props":1037,"children":1038},{},[1039],{"type":69,"value":1040},"La suspension n'est pas une sanction définitive.",{"type":69,"value":1042}," Elle dure tant qu'aucune attestation conforme n'a été reçue et traitée. Une régularisation reste donc possible en novembre, mais chaque jour sans accès se paie commercialement.",{"type":60,"tag":151,"props":1044,"children":1045},{},[1046,1051],{"type":60,"tag":72,"props":1047,"children":1048},{},[1049],{"type":69,"value":1050},"Des notifications automatiques sont prévues",{"type":69,"value":1052}," pour prévenir les organismes de l'approche d'un seuil, de l'échéance de leur attestation ou de leur blocage. Elles ne remplacent pas votre propre suivi.",{"type":60,"tag":61,"props":1054,"children":1055},{},[1056,1058,1064,1066,1071],{"type":69,"value":1057},"Les manquements plus graves (déclarations présumées fictives, non-paiement, situation du dirigeant), avec des suspensions jusqu'à six mois et des exclusions jusqu'à cinq ans, sont traités dans notre article ",{"type":60,"tag":269,"props":1059,"children":1061},{"href":1060},"\u002Fblog\u002Fsuspension-exclusion-avance-immediate-urssaf-sap",[1062],{"type":69,"value":1063},"Suspension ou exclusion de l'Avance Immédiate",{"type":69,"value":1065},". Ici, nous traitons un cas évitable : ",{"type":60,"tag":72,"props":1067,"children":1068},{},[1069],{"type":69,"value":1070},"l'absence d'attestation conforme à la date limite",{"type":69,"value":239},{"type":60,"tag":140,"props":1073,"children":1075},{"id":1074},"qui-est-concerné-au-1er-novembre-2026",[1076],{"type":69,"value":1077},"Qui est concerné au 1er novembre 2026 ?",{"type":60,"tag":61,"props":1079,"children":1080},{},[1081],{"type":69,"value":1082},"Rappel des règles de l'article D133-22 du Code de la sécurité sociale, appliquées à la situation du 1er novembre :",{"type":60,"tag":1084,"props":1085,"children":1086},"table",{},[1087,1111],{"type":60,"tag":1088,"props":1089,"children":1090},"thead",{},[1091],{"type":60,"tag":1092,"props":1093,"children":1094},"tr",{},[1095,1101,1106],{"type":60,"tag":1096,"props":1097,"children":1098},"th",{},[1099],{"type":69,"value":1100},"Votre situation dans le dispositif",{"type":60,"tag":1096,"props":1102,"children":1103},{},[1104],{"type":69,"value":1105},"Garantie financière",{"type":60,"tag":1096,"props":1107,"children":1108},{},[1109],{"type":69,"value":1110},"Au 1er novembre 2026 sans attestation",{"type":60,"tag":1112,"props":1113,"children":1114},"tbody",{},[1115,1134,1151,1169],{"type":60,"tag":1092,"props":1116,"children":1117},{},[1118,1124,1129],{"type":60,"tag":1119,"props":1120,"children":1121},"td",{},[1122],{"type":69,"value":1123},"Vous utilisez l'acompte (le client vous verse une partie du prix)",{"type":60,"tag":1119,"props":1125,"children":1126},{},[1127],{"type":69,"value":1128},"Obligatoire dès le premier euro déclaré",{"type":60,"tag":1119,"props":1130,"children":1131},{},[1132],{"type":69,"value":1133},"Accès suspendu",{"type":60,"tag":1092,"props":1135,"children":1136},{},[1137,1142,1147],{"type":60,"tag":1119,"props":1138,"children":1139},{},[1140],{"type":69,"value":1141},"Règlement à 100 % par l'Urssaf, prestations déclarées de 200 000 € TTC ou plus sur l'année civile",{"type":60,"tag":1119,"props":1143,"children":1144},{},[1145],{"type":69,"value":1146},"Obligatoire",{"type":60,"tag":1119,"props":1148,"children":1149},{},[1150],{"type":69,"value":1133},{"type":60,"tag":1092,"props":1152,"children":1153},{},[1154,1159,1164],{"type":60,"tag":1119,"props":1155,"children":1156},{},[1157],{"type":69,"value":1158},"Règlement à 100 % par l'Urssaf, prestations déclarées inférieures à 200 000 € TTC sur l'année civile",{"type":60,"tag":1119,"props":1160,"children":1161},{},[1162],{"type":69,"value":1163},"Non exigée",{"type":60,"tag":1119,"props":1165,"children":1166},{},[1167],{"type":69,"value":1168},"Accès maintenu, surveillez le seuil",{"type":60,"tag":1092,"props":1170,"children":1171},{},[1172,1177,1181],{"type":60,"tag":1119,"props":1173,"children":1174},{},[1175],{"type":69,"value":1176},"Attestation transmise mais incomplète (mentions manquantes, montant insuffisant)",{"type":60,"tag":1119,"props":1178,"children":1179},{},[1180],{"type":69,"value":1146},{"type":60,"tag":1119,"props":1182,"children":1183},{},[1184],{"type":69,"value":1185},"Risque de suspension jusqu'à réception d'une attestation conforme",{"type":60,"tag":61,"props":1187,"children":1188},{},[1189,1191,1197,1199,1204],{"type":69,"value":1190},"Le montant à garantir suit le barème en sept tranches, de 15 000 € à 1 200 000 €, détaillé dans notre ",{"type":60,"tag":269,"props":1192,"children":1194},{"href":1193},"\u002Fblog\u002Fcalcul-montant-garantie-financiere-sap-bareme",[1195],{"type":69,"value":1196},"guide du calcul du montant",{"type":69,"value":1198},". Point de vigilance signalé par l'Urssaf : ",{"type":60,"tag":72,"props":1200,"children":1201},{},[1202],{"type":69,"value":1203},"franchir un seuil en cours d'année",{"type":69,"value":1205}," impose une nouvelle attestation d'un montant suffisant, sans laquelle l'accès est bloqué. Mieux vaut garantir d'emblée l'intégralité du besoin annuel.",{"type":60,"tag":140,"props":1207,"children":1209},{"id":1208},"quel-est-limpact-au-1er-novembre-2026-pour-lorganisme-et-ses-clients",[1210],{"type":69,"value":1211},"Quel est l'impact au 1er novembre 2026 pour l'organisme et ses clients ?",{"type":60,"tag":61,"props":1213,"children":1214},{},[1215,1217,1222],{"type":69,"value":1216},"À partir du 1er novembre 2026, tant que l'attestation n'a pas été reçue et traitée, vos clients règlent 100 % de la prestation et récupèrent leur crédit d'impôt l'année suivante, lors de leur déclaration de revenus ; vous redevenez créancier de la totalité du prix, avec le délai d'encaissement et le risque d'impayé. Face aux organismes qui auront transmis leur attestation avant le 31 octobre, vous perdez l'argument du reste à charge réduit le temps de la régularisation. L'impact détaillé (clients, trésorerie, position commerciale) est traité dans notre article sur la ",{"type":60,"tag":269,"props":1218,"children":1219},{"href":347},[1220],{"type":69,"value":1221},"perte de clients et de chiffre d'affaires d'une Avance Immédiate bloquée",{"type":69,"value":239},{"type":60,"tag":140,"props":1224,"children":1226},{"id":1225},"comment-régulariser-vite-quel-parcours-en-cinq-étapes",[1227],{"type":69,"value":1228},"Comment régulariser vite : quel parcours en cinq étapes ?",{"type":60,"tag":61,"props":1230,"children":1231},{},[1232],{"type":69,"value":1233},"À cinq semaines de l'échéance, le calendrier est serré mais tenable, à condition de ne pas perdre de jour. Voici le parcours que nous recommandons.",{"type":60,"tag":1084,"props":1235,"children":1236},{},[1237,1258],{"type":60,"tag":1088,"props":1238,"children":1239},{},[1240],{"type":60,"tag":1092,"props":1241,"children":1242},{},[1243,1248,1253],{"type":60,"tag":1096,"props":1244,"children":1245},{},[1246],{"type":69,"value":1247},"Étape",{"type":60,"tag":1096,"props":1249,"children":1250},{},[1251],{"type":69,"value":1252},"Qui",{"type":60,"tag":1096,"props":1254,"children":1255},{},[1256],{"type":69,"value":1257},"Ce qu'il faut faire",{"type":60,"tag":1112,"props":1259,"children":1260},{},[1261,1279,1296,1314,1332],{"type":60,"tag":1092,"props":1262,"children":1263},{},[1264,1269,1274],{"type":60,"tag":1119,"props":1265,"children":1266},{},[1267],{"type":69,"value":1268},"1. Qualifier le besoin",{"type":60,"tag":1119,"props":1270,"children":1271},{},[1272],{"type":69,"value":1273},"Vous",{"type":60,"tag":1119,"props":1275,"children":1276},{},[1277],{"type":69,"value":1278},"Identifier votre tranche à partir des prestations déclarées en N-1 (ou du prévisionnel N pour une entrée en cours d'année), acompte compris",{"type":60,"tag":1092,"props":1280,"children":1281},{},[1282,1287,1291],{"type":60,"tag":1119,"props":1283,"children":1284},{},[1285],{"type":69,"value":1286},"2. Réunir les pièces",{"type":60,"tag":1119,"props":1288,"children":1289},{},[1290],{"type":69,"value":1273},{"type":60,"tag":1119,"props":1292,"children":1293},{},[1294],{"type":69,"value":1295},"Kbis de moins de 3 mois, liasse fiscale ou bilans (ou prévisionnel), RIB, déclaration NOVA et agrément éventuel, estimation du volume annuel",{"type":60,"tag":1092,"props":1297,"children":1298},{},[1299,1304,1309],{"type":60,"tag":1119,"props":1300,"children":1301},{},[1302],{"type":69,"value":1303},"3. Demander le devis",{"type":60,"tag":1119,"props":1305,"children":1306},{},[1307],{"type":69,"value":1308},"Vous, en ligne",{"type":60,"tag":1119,"props":1310,"children":1311},{},[1312],{"type":69,"value":1313},"Parcours de devis en ligne Tutassûr",{"type":60,"tag":1092,"props":1315,"children":1316},{},[1317,1322,1327],{"type":60,"tag":1119,"props":1318,"children":1319},{},[1320],{"type":69,"value":1321},"4. Recevoir l'attestation",{"type":60,"tag":1119,"props":1323,"children":1324},{},[1325],{"type":69,"value":1326},"Tutassûr et son porteur de risque",{"type":60,"tag":1119,"props":1328,"children":1329},{},[1330],{"type":69,"value":1331},"Attestation conforme à l'article D133-22, après étude du dossier",{"type":60,"tag":1092,"props":1333,"children":1334},{},[1335,1340,1344],{"type":60,"tag":1119,"props":1336,"children":1337},{},[1338],{"type":69,"value":1339},"5. Transmettre à l'Urssaf",{"type":60,"tag":1119,"props":1341,"children":1342},{},[1343],{"type":69,"value":1273},{"type":60,"tag":1119,"props":1345,"children":1346},{},[1347,1349,1353],{"type":69,"value":1348},"Envoi à ",{"type":60,"tag":269,"props":1350,"children":1351},{"href":912},[1352],{"type":69,"value":915},{"type":69,"value":1354}," par un moyen donnant date certaine, accusé conservé",{"type":60,"tag":359,"props":1356,"children":1358},{"id":1357},"étape-1-qualifier-le-besoin-sans-se-tromper-de-tranche",[1359],{"type":69,"value":1360},"Étape 1 : qualifier le besoin sans se tromper de tranche",{"type":60,"tag":61,"props":1362,"children":1363},{},[1364],{"type":69,"value":1365},"L'Urssaf invite les organismes à se reporter au total des demandes de paiement soumises en N-1, acomptes compris, pour estimer leur besoin de l'année N. Un organisme entré dans le dispositif en cours d'année raisonne sur son chiffre d'affaires prévisionnel dans l'Avance Immédiate. L'acompte prélevé auprès du client compte dans le montant déclaré : une prestation de 100 € avec 50 € d'acompte reste une prestation déclarée de 100 €.",{"type":60,"tag":359,"props":1367,"children":1369},{"id":1368},"étapes-2-et-3-un-dossier-complet-puis-le-devis-en-ligne",[1370],{"type":69,"value":1371},"Étapes 2 et 3 : un dossier complet, puis le devis en ligne",{"type":60,"tag":61,"props":1373,"children":1374},{},[1375,1377,1383,1385,1392],{"type":69,"value":1376},"La liste des pièces figure dans notre article sur ",{"type":60,"tag":269,"props":1378,"children":1380},{"href":1379},"\u002Fblog\u002Fpieces-dossier-garantie-financiere-sap",[1381],{"type":69,"value":1382},"les pièces du dossier",{"type":69,"value":1384}," ; une liasse fiscale sur une année complète et une ancienneté supérieure à trois ans pèsent directement sur le tarif. Le ",{"type":60,"tag":269,"props":1386,"children":1389},{"href":1387,"rel":1388},"https:\u002F\u002Fparcours-garantie-financiere.tutassur.fr",[273],[1390],{"type":69,"value":1391},"parcours de devis Tutassûr",{"type":69,"value":1393}," recueille votre situation et vos pièces, sans garant à chercher de votre côté.",{"type":60,"tag":359,"props":1395,"children":1397},{"id":1396},"étape-4-une-attestation-qui-contient-toutes-les-mentions-attendues",[1398],{"type":69,"value":1399},"Étape 4 : une attestation qui contient toutes les mentions attendues",{"type":60,"tag":61,"props":1401,"children":1402},{},[1403],{"type":69,"value":1404},"L'Urssaf ne valide pas de modèle d'attestation, mais met à disposition un modèle de référence et liste les informations attendues : identification du garant, du bénéficiaire (Urssaf Rhône-Alpes) et du ou des organismes couverts (dénomination et SIRET), objet de la garantie, engagements du garant, montant, dates d'effet et d'expiration. L'attestation émise par le garant, obtenue via le parcours Tutassûr, reprend ces mentions.",{"type":60,"tag":359,"props":1406,"children":1408},{"id":1407},"étape-5-transmettre-et-conserver-la-preuve",[1409],{"type":69,"value":1410},"Étape 5 : transmettre et conserver la preuve",{"type":60,"tag":61,"props":1412,"children":1413},{},[1414,1416,1420,1422,1428],{"type":69,"value":1415},"L'attestation est à envoyer à ",{"type":60,"tag":269,"props":1417,"children":1418},{"href":912},[1419],{"type":69,"value":915},{"type":69,"value":1421},". Utilisez un moyen qui donne une date certaine à l'envoi et conservez l'accusé de réception : c'est votre preuve en cas de contrôle. L'accès est maintenu ou rétabli après réception et traitement par l'Urssaf. Procédure détaillée : ",{"type":60,"tag":269,"props":1423,"children":1425},{"href":1424},"\u002Fblog\u002Fobtenir-transmettre-attestation-garantie-financiere-urssaf",[1426],{"type":69,"value":1427},"obtenir et transmettre l'attestation",{"type":69,"value":239},{"type":60,"tag":140,"props":1430,"children":1432},{"id":1431},"combien-coûte-la-régularisation",[1433],{"type":69,"value":1434},"Combien coûte la régularisation ?",{"type":60,"tag":61,"props":1436,"children":1437},{},[1438],{"type":69,"value":1439},"Tutassûr a publié le 25 septembre 2026 une nouvelle grille tarifaire. Prime TTC indicative par an, hors fractionnement, définitive après étude du dossier :",{"type":60,"tag":1084,"props":1441,"children":1442},{},[1443,1474],{"type":60,"tag":1088,"props":1444,"children":1445},{},[1446],{"type":60,"tag":1092,"props":1447,"children":1448},{},[1449,1454,1459,1464,1469],{"type":60,"tag":1096,"props":1450,"children":1451},{},[1452],{"type":69,"value":1453},"Prestations déclarées",{"type":60,"tag":1096,"props":1455,"children":1456},{},[1457],{"type":69,"value":1458},"Garantie exigée",{"type":60,"tag":1096,"props":1460,"children":1461},{},[1462],{"type":69,"value":1463},"Sans liasse fiscale sur une année complète",{"type":60,"tag":1096,"props":1465,"children":1466},{},[1467],{"type":69,"value":1468},"Liasse sur une année complète, ancienneté \u003C 3 ans",{"type":60,"tag":1096,"props":1470,"children":1471},{},[1472],{"type":69,"value":1473},"Ancienneté > 3 ans",{"type":60,"tag":1112,"props":1475,"children":1476},{},[1477,1505,1533,1561,1589,1617,1645],{"type":60,"tag":1092,"props":1478,"children":1479},{},[1480,1485,1490,1495,1500],{"type":60,"tag":1119,"props":1481,"children":1482},{},[1483],{"type":69,"value":1484},"jusqu'à 500 000 €",{"type":60,"tag":1119,"props":1486,"children":1487},{},[1488],{"type":69,"value":1489},"15 000 €",{"type":60,"tag":1119,"props":1491,"children":1492},{},[1493],{"type":69,"value":1494},"963 €",{"type":60,"tag":1119,"props":1496,"children":1497},{},[1498],{"type":69,"value":1499},"666 €",{"type":60,"tag":1119,"props":1501,"children":1502},{},[1503],{"type":69,"value":1504},"490 €",{"type":60,"tag":1092,"props":1506,"children":1507},{},[1508,1513,1518,1523,1528],{"type":60,"tag":1119,"props":1509,"children":1510},{},[1511],{"type":69,"value":1512},"500 000 à 1 000 000 €",{"type":60,"tag":1119,"props":1514,"children":1515},{},[1516],{"type":69,"value":1517},"20 000 €",{"type":60,"tag":1119,"props":1519,"children":1520},{},[1521],{"type":69,"value":1522},"1 201 €",{"type":60,"tag":1119,"props":1524,"children":1525},{},[1526],{"type":69,"value":1527},"821 €",{"type":60,"tag":1119,"props":1529,"children":1530},{},[1531],{"type":69,"value":1532},"600 €",{"type":60,"tag":1092,"props":1534,"children":1535},{},[1536,1541,1546,1551,1556],{"type":60,"tag":1119,"props":1537,"children":1538},{},[1539],{"type":69,"value":1540},"1 000 000 à 5 000 000 €",{"type":60,"tag":1119,"props":1542,"children":1543},{},[1544],{"type":69,"value":1545},"50 000 €",{"type":60,"tag":1119,"props":1547,"children":1548},{},[1549],{"type":69,"value":1550},"2 376 €",{"type":60,"tag":1119,"props":1552,"children":1553},{},[1554],{"type":69,"value":1555},"1 610 €",{"type":60,"tag":1119,"props":1557,"children":1558},{},[1559],{"type":69,"value":1560},"1 170 €",{"type":60,"tag":1092,"props":1562,"children":1563},{},[1564,1569,1574,1579,1584],{"type":60,"tag":1119,"props":1565,"children":1566},{},[1567],{"type":69,"value":1568},"5 000 000 à 20 000 000 €",{"type":60,"tag":1119,"props":1570,"children":1571},{},[1572],{"type":69,"value":1573},"150 000 €",{"type":60,"tag":1119,"props":1575,"children":1576},{},[1577],{"type":69,"value":1578},"6 715 €",{"type":60,"tag":1119,"props":1580,"children":1581},{},[1582],{"type":69,"value":1583},"4 523 €",{"type":60,"tag":1119,"props":1585,"children":1586},{},[1587],{"type":69,"value":1588},"3 253 €",{"type":60,"tag":1092,"props":1590,"children":1591},{},[1592,1597,1602,1607,1612],{"type":60,"tag":1119,"props":1593,"children":1594},{},[1595],{"type":69,"value":1596},"20 000 000 à 40 000 000 €",{"type":60,"tag":1119,"props":1598,"children":1599},{},[1600],{"type":69,"value":1601},"300 000 €",{"type":60,"tag":1119,"props":1603,"children":1604},{},[1605],{"type":69,"value":1606},"12 468 €",{"type":60,"tag":1119,"props":1608,"children":1609},{},[1610],{"type":69,"value":1611},"8 341 €",{"type":60,"tag":1119,"props":1613,"children":1614},{},[1615],{"type":69,"value":1616},"5 952 €",{"type":60,"tag":1092,"props":1618,"children":1619},{},[1620,1625,1630,1635,1640],{"type":60,"tag":1119,"props":1621,"children":1622},{},[1623],{"type":69,"value":1624},"40 000 000 à 100 000 000 €",{"type":60,"tag":1119,"props":1626,"children":1627},{},[1628],{"type":69,"value":1629},"600 000 €",{"type":60,"tag":1119,"props":1631,"children":1632},{},[1633],{"type":69,"value":1634},"23 036 €",{"type":60,"tag":1119,"props":1636,"children":1637},{},[1638],{"type":69,"value":1639},"15 305 €",{"type":60,"tag":1119,"props":1641,"children":1642},{},[1643],{"type":69,"value":1644},"10 833 €",{"type":60,"tag":1092,"props":1646,"children":1647},{},[1648,1653,1658,1663,1668],{"type":60,"tag":1119,"props":1649,"children":1650},{},[1651],{"type":69,"value":1652},"plus de 100 000 000 €",{"type":60,"tag":1119,"props":1654,"children":1655},{},[1656],{"type":69,"value":1657},"1 200 000 €",{"type":60,"tag":1119,"props":1659,"children":1660},{},[1661],{"type":69,"value":1662},"37 203 €",{"type":60,"tag":1119,"props":1664,"children":1665},{},[1666],{"type":69,"value":1667},"24 718 €",{"type":60,"tag":1119,"props":1669,"children":1670},{},[1671],{"type":69,"value":1672},"18 416 €",{"type":60,"tag":61,"props":1674,"children":1675},{},[1676,1678,1684],{"type":69,"value":1677},"Le détail de la grille et les leviers d'économie sont dans ",{"type":60,"tag":269,"props":1679,"children":1681},{"href":1680},"\u002Fblog\u002Fnouveaux-tarifs-garantie-financiere-sap-2026",[1682],{"type":69,"value":1683},"nos nouveaux tarifs 2026",{"type":69,"value":1685},". À mettre en regard du coût d'une suspension : un seul contrat récurrent perdu parce que le client refuse d'avancer la totalité du prix peut, à lui seul, dépasser la prime annuelle de la première tranche.",{"type":60,"tag":140,"props":1687,"children":1689},{"id":1688},"comment-prévenir-vos-clients-sans-les-inquiéter",[1690],{"type":69,"value":1691},"Comment prévenir vos clients sans les inquiéter ?",{"type":60,"tag":61,"props":1693,"children":1694},{},[1695],{"type":69,"value":1696},"Deux scénarios se présentent.",{"type":60,"tag":61,"props":1698,"children":1699},{},[1700,1705],{"type":60,"tag":72,"props":1701,"children":1702},{},[1703],{"type":69,"value":1704},"Vous serez en règle au 31 octobre.",{"type":69,"value":1706}," Un message court suffit, et il vous distingue : « Notre organisme a transmis à l'Urssaf son attestation de garantie financière ; votre Avance Immédiate du crédit d'impôt continue sans changement. »",{"type":60,"tag":61,"props":1708,"children":1709},{},[1710,1715],{"type":60,"tag":72,"props":1711,"children":1712},{},[1713],{"type":69,"value":1714},"Vous risquez une suspension.",{"type":69,"value":1716}," Informez avant la première facture concernée, par écrit, en trois points :",{"type":60,"tag":147,"props":1718,"children":1719},{},[1720,1725,1730],{"type":60,"tag":151,"props":1721,"children":1722},{},[1723],{"type":69,"value":1724},"ce qui change : pendant la suspension, la part correspondant au crédit d'impôt n'est plus avancée par l'Urssaf, le règlement porte sur la totalité de la prestation ;",{"type":60,"tag":151,"props":1726,"children":1727},{},[1728],{"type":69,"value":1729},"ce qui ne change pas : le crédit d'impôt reste acquis, le client le récupère lors de sa déclaration de revenus, et vous lui remettrez l'attestation fiscale annuelle ;",{"type":60,"tag":151,"props":1731,"children":1732},{},[1733],{"type":69,"value":1734},"ce que vous faites : régularisation en cours, transmission de l'attestation à l'Urssaf, information dès le rétablissement.",{"type":60,"tag":61,"props":1736,"children":1737},{},[1738],{"type":69,"value":1739},"Ne promettez pas de date de rétablissement : elle dépend de la réception et du traitement de l'attestation par l'Urssaf. Informez aussi vos intervenants à domicile, souvent les premiers à qui les clients posent la question.",{"type":60,"tag":140,"props":1741,"children":1743},{"id":1742},"que-faut-il-éviter-absolument",[1744],{"type":69,"value":1745},"Que faut-il éviter absolument ?",{"type":60,"tag":147,"props":1747,"children":1748},{},[1749,1759,1769,1779,1789,1806],{"type":60,"tag":151,"props":1750,"children":1751},{},[1752,1757],{"type":60,"tag":72,"props":1753,"children":1754},{},[1755],{"type":69,"value":1756},"Attendre le 31 octobre pour envoyer le dossier.",{"type":69,"value":1758}," L'attestation doit être reçue et traitée ; l'Urssaf recommande de ne pas attendre l'échéance.",{"type":60,"tag":151,"props":1760,"children":1761},{},[1762,1767],{"type":60,"tag":72,"props":1763,"children":1764},{},[1765],{"type":69,"value":1766},"Envoyer un document qui n'est pas une attestation de garantie financière.",{"type":69,"value":1768}," Un accord de principe bancaire, une attestation d'assurance RC Pro ou un courrier sans les mentions attendues ne remplacent pas l'attestation conforme.",{"type":60,"tag":151,"props":1770,"children":1771},{},[1772,1777],{"type":60,"tag":72,"props":1773,"children":1774},{},[1775],{"type":69,"value":1776},"Sous-dimensionner le montant",{"type":69,"value":1778}," pour économiser sur la prime : au premier seuil franchi, l'accès est bloqué jusqu'à réception d'une nouvelle attestation.",{"type":60,"tag":151,"props":1780,"children":1781},{},[1782,1787],{"type":60,"tag":72,"props":1783,"children":1784},{},[1785],{"type":69,"value":1786},"Chercher à contourner",{"type":69,"value":1788}," en fractionnant ou en décalant des déclarations : les déclarations présumées fictives relèvent des motifs de suspension et d'exclusion, bien plus lourds.",{"type":60,"tag":151,"props":1790,"children":1791},{},[1792,1797,1799,1805],{"type":60,"tag":72,"props":1793,"children":1794},{},[1795],{"type":69,"value":1796},"Oublier le renouvellement.",{"type":69,"value":1798}," Une garantie qui expire sans relais produit le même blocage qu'une absence d'attestation ; voir ",{"type":60,"tag":269,"props":1800,"children":1802},{"href":1801},"\u002Fblog\u002Frenouvellement-resiliation-garantie-financiere-sap",[1803],{"type":69,"value":1804},"renouvellement et résiliation",{"type":69,"value":239},{"type":60,"tag":151,"props":1807,"children":1808},{},[1809,1814],{"type":60,"tag":72,"props":1810,"children":1811},{},[1812],{"type":69,"value":1813},"Pour les réseaux, une attestation globale sans identification de chaque organisme.",{"type":69,"value":1815}," Chaque structure couverte doit apparaître avec sa dénomination, son SIRET et un montant calculé sur ses propres demandes de paiement.",{"type":60,"tag":140,"props":1817,"children":1819},{"id":1818},"pourquoi-passer-par-tutassûr-pour-régulariser",[1820],{"type":69,"value":1821},"Pourquoi passer par Tutassûr pour régulariser ?",{"type":60,"tag":61,"props":1823,"children":1824},{},[1825,1827,1832,1834,1839,1841,1845],{"type":69,"value":1826},"Tutassûr, courtier grossiste en assurance (ORIAS n°22001730), propose l'",{"type":60,"tag":72,"props":1828,"children":1829},{},[1830],{"type":69,"value":1831},"attestation de garantie financière conforme à l'article D133-22",{"type":69,"value":1833}," via un ",{"type":60,"tag":72,"props":1835,"children":1836},{},[1837],{"type":69,"value":1838},"parcours de devis en ligne",{"type":69,"value":1840},", à un tarif ",{"type":60,"tag":72,"props":1842,"children":1843},{},[1844],{"type":69,"value":646},{"type":69,"value":1846}," selon la grille publiée.",{"type":60,"tag":61,"props":1848,"children":1849},{},[1850],{"type":60,"tag":269,"props":1851,"children":1853},{"href":1387,"rel":1852},[273],[1854],{"type":60,"tag":72,"props":1855,"children":1856},{},[1857],{"type":69,"value":1858},"Régulariser ma garantie financière avant le 31 octobre 2026 →",{"type":60,"tag":140,"props":1860,"children":1862},{"id":1861},"à-lire-aussi",[1863],{"type":69,"value":1864},"À lire aussi",{"type":60,"tag":147,"props":1866,"children":1867},{},[1868,1879,1889,1898,1907],{"type":60,"tag":151,"props":1869,"children":1870},{},[1871,1877],{"type":60,"tag":269,"props":1872,"children":1874},{"href":1873},"\u002Fblog\u002Fgarantie-financiere-sap-report-31-octobre-2026",[1875],{"type":69,"value":1876},"Calendrier garantie financière SAP semaine par semaine",{"type":69,"value":1878}," — du devis à l'envoi de l'attestation, jusqu'à l'échéance du 31 octobre 2026.",{"type":60,"tag":151,"props":1880,"children":1881},{},[1882,1887],{"type":60,"tag":269,"props":1883,"children":1884},{"href":1680},[1885],{"type":69,"value":1886},"Nouveaux tarifs de la garantie financière SAP 2026",{"type":69,"value":1888}," — la grille complète et les leviers d'économie.",{"type":60,"tag":151,"props":1890,"children":1891},{},[1892,1896],{"type":60,"tag":269,"props":1893,"children":1894},{"href":1060},[1895],{"type":69,"value":1063},{"type":69,"value":1897}," — les sanctions réglementaires : motifs, durées de 6 mois à 5 ans, notification.",{"type":60,"tag":151,"props":1899,"children":1900},{},[1901,1905],{"type":60,"tag":269,"props":1902,"children":1903},{"href":347},[1904],{"type":69,"value":350},{"type":69,"value":1906}," — ce que coûte un accès bloqué, en toute période, et comment le débloquer.",{"type":60,"tag":151,"props":1908,"children":1909},{},[1910,1915],{"type":60,"tag":269,"props":1911,"children":1912},{"href":659},[1913],{"type":69,"value":1914},"Garantie financière services à la personne : page produit et simulateur",{"type":69,"value":1916}," — estimez votre prime et lancez votre demande.",{"type":60,"tag":140,"props":1918,"children":1919},{"id":729},[1920],{"type":69,"value":732},{"type":60,"tag":147,"props":1922,"children":1923},{},[1924,1934,1945,1954,1963],{"type":60,"tag":151,"props":1925,"children":1926},{},[1927,1929],{"type":69,"value":1928},"Service Avance Immédiate, rubrique « La garantie financière » : date limite de dépôt de garantie fixée au 31\u002F10\u002F2026 — ",{"type":60,"tag":269,"props":1930,"children":1932},{"href":271,"rel":1931},[273],[1933],{"type":69,"value":276},{"type":60,"tag":151,"props":1935,"children":1936},{},[1937,1939],{"type":69,"value":1938},"Foire aux questions sur la garantie financière (Urssaf, PDF) : date limite, conséquences de la non-réception d'une attestation, dépassement de seuil, réseaux — ",{"type":60,"tag":269,"props":1940,"children":1942},{"href":280,"rel":1941},[273],[1943],{"type":69,"value":1944},"FAQ_garanties_financieres.pdf",{"type":60,"tag":151,"props":1946,"children":1947},{},[1948,1949],{"type":69,"value":740},{"type":60,"tag":269,"props":1950,"children":1952},{"href":743,"rel":1951},[273],[1953],{"type":69,"value":747},{"type":60,"tag":151,"props":1955,"children":1956},{},[1957,1958],{"type":69,"value":752},{"type":60,"tag":269,"props":1959,"children":1961},{"href":755,"rel":1960},[273],[1962],{"type":69,"value":759},{"type":60,"tag":151,"props":1964,"children":1965},{},[1966,1968],{"type":69,"value":1967},"Aladom, actualité du secteur du 15 juillet 2026 (mise à jour le 4 août 2026) : report de la date limite du 31 juillet au 31 octobre 2026 — ",{"type":60,"tag":269,"props":1969,"children":1972},{"href":1970,"rel":1971},"https:\u002F\u002Fwww.aladom.fr\u002Factualites\u002Fsecteur-service\u002F11232\u002Favance-immediate-du-credit-dimpot-la-date-limite-pour-lattestation-de-garantie-repoussee-au-31-octobre-2026\u002F",[273],[1973],{"type":69,"value":1974},"aladom.fr",{"type":60,"tag":771,"props":1976,"children":1980},{"cta-label":1977,"href":659,"product":774,"subtitle":1978,"title":1979},"Obtenir mon attestation","Attestation de garantie financière conforme D133-22. Nouvelle grille à partir de 490 €\u002Fan.","Régularisez avant le 31 octobre 2026",[],{"type":60,"tag":779,"props":1982,"children":1983},{},[],{"type":60,"tag":61,"props":1985,"children":1986},{},[1987],{"type":60,"tag":65,"props":1988,"children":1989},{},[1990],{"type":69,"value":1991},"Cet article a été rédigé à des fins d'information générale. Il ne constitue pas un conseil juridique et ne se substitue pas aux décisions de l'Urssaf, seule compétente pour apprécier la conformité d'une attestation et la suspension d'un accès. La date limite de dépôt de la garantie financière (31 octobre 2026) est celle publiée par l'Urssaf à la date du 25 septembre 2026 ; les tarifs indiqués sont indicatifs, hors fractionnement, et définitifs après étude du dossier. Les éléments réglementaires (décret n°2024-1161, article D133-22 du Code de la sécurité sociale) sont susceptibles d'évoluer ; vérifiez les sources officielles Légifrance et Urssaf pour votre situation.",{"title":7,"searchDepth":791,"depth":791,"links":1993},[1994,1995,1996,1997,1998,2004,2005,2006,2007,2008,2009],{"id":920,"depth":794,"text":923},{"id":991,"depth":794,"text":994},{"id":1074,"depth":794,"text":1077},{"id":1208,"depth":794,"text":1211},{"id":1225,"depth":794,"text":1228,"children":1999},[2000,2001,2002,2003],{"id":1357,"depth":791,"text":1360},{"id":1368,"depth":791,"text":1371},{"id":1396,"depth":791,"text":1399},{"id":1407,"depth":791,"text":1410},{"id":1431,"depth":794,"text":1434},{"id":1688,"depth":794,"text":1691},{"id":1742,"depth":794,"text":1745},{"id":1818,"depth":794,"text":1821},{"id":1861,"depth":794,"text":1864},{"id":729,"depth":794,"text":732},"content:blog:2026:avance-immediate-sans-garantie-financiere-1er-novembre-2026.md","blog\u002F2026\u002Favance-immediate-sans-garantie-financiere-1er-novembre-2026.md","blog\u002F2026\u002Favance-immediate-sans-garantie-financiere-1er-novembre-2026",{"_path":2014,"_dir":5,"_draft":6,"_partial":6,"_locale":7,"title":2015,"description":2016,"slug":2017,"publishedAt":819,"updatedAt":12,"author":2018,"reviewedBy":18,"cover":2021,"categories":2024,"tags":2025,"readingTime":833,"featured":6,"status":34,"seo":2031,"faq":2033,"body":2052,"_type":807,"_id":3827,"_source":809,"_file":3828,"_stem":3829,"_extension":812},"\u002Fblog\u002F2026\u002Fgarantie-financiere-sap-checklist-j-30-avant-31-octobre-2026","Checklist garantie financière SAP : 10 points à cocher à J-30 (dossier, attestation, envoi Urssaf, erreurs)","La checklist garantie financière SAP en 10 points : êtes-vous concerné, tranche, liasse, Kbis, devis, contrôle de l'attestation, envoi à l'Urssaf, preuve d'envoi.","garantie-financiere-sap-checklist-j-30-avant-31-octobre-2026",{"name":14,"slug":15,"role":2019,"bio":2020},"Courtier grossiste en assurance — ORIAS n°22001730","Tutassûr est un courtier grossiste en assurance immatriculé à l'ORIAS sous le n°22001730, placé sous le contrôle de l'ACPR et basé à Échirolles, près de Grenoble. Il propose la garantie financière SAP (article D133-22 du Code de la sécurité sociale) sur un parcours de devis en ligne.",{"src":2022,"alt":2023,"width":22,"height":23},"\u002Fblog\u002Fgarantie-financiere-sap-checklist-j-30-avant-31-octobre-2026\u002Fcover.svg","Garantie financière SAP : la checklist J-30 avant le 31 octobre 2026 — Tutassûr",[25],[2026,2027,2028,2029,2030],"checklist garantie financière SAP","garantie financière SAP J-30","liste de contrôle envoi Urssaf garantie financière","erreurs dossier garantie financière SAP","liste de contrôle avance immédiate",{"ogImage":2022,"metaKeywords":2032},[2026,2027,2028,2029,2030],[2034,2037,2040,2043,2046,2049],{"question":2035,"answer":2036},"Puis-je déposer ma demande avant d'avoir toutes les pièces ?","Oui, mais la demande ne peut être étudiée qu'une fois le dossier complet. Si votre liasse fiscale tarde, déposez la demande avec vos deux derniers bilans et comptes de résultat, ou un prévisionnel pour une structure récente, et complétez dès réception : sans liasse fiscale sur une année complète, c'est la colonne A de la grille qui s'applique.",{"question":2038,"answer":2039},"J'ai déjà transmis une attestation avant le report : dois-je la renvoyer ?","Non, si elle est conforme et toujours en cours de validité. Vérifiez simplement qu'elle couvre le montant correspondant à votre tranche actuelle et notez sa date d'échéance : la garantie est annuelle et une nouvelle attestation doit être transmise chaque année, ainsi qu'en cas de dépassement de seuil en cours d'année.",{"question":2041,"answer":2042},"Combien coûte la garantie financière avec la grille du 25 septembre 2026 ?","La prime démarre à 490 € TTC par an pour une structure de plus de 3 ans d'ancienneté déclarant jusqu'à 500 000 € de prestations, et atteint 963 € pour la même tranche sans liasse fiscale sur une année complète. Ces montants sont indicatifs, hors fractionnement, et deviennent définitifs après étude du dossier.",{"question":2044,"answer":2045},"Qui doit envoyer l'attestation à l'Urssaf : moi ou le garant ?","Ne présumez pas que l'envoi est fait : le point 9 de la checklist consiste justement à vérifier qui, de vous ou du garant, s'en charge. L'attestation part à avance-immediate@urssaf.fr, en PDF, avec dénomination et SIRET dans l'objet, par un moyen donnant une date certaine de réception (courriel avec accusé de réception ou envoi recommandé électronique). Archivez ensuite l'accusé de réception avec l'attestation, le contrat et la quittance (point 10).",{"question":2047,"answer":2048},"La caution bancaire reste-t-elle possible comme plan B ?","Oui. L'article D133-22 admet trois types de garants : établissement de crédit, société de financement ou entreprise d'assurance, et l'attestation a la même valeur pour l'Urssaf. La caution bancaire mobilise en revanche souvent la trésorerie (blocage ou nantissement) et son délai d'instruction dépend de votre banque, à intégrer dans votre calendrier.",{"question":2050,"answer":2051},"Micro-entreprise ou association : la checklist s'applique-t-elle ?","Oui. L'obligation ne dépend pas du statut juridique mais de l'usage de l'Avance Immédiate : dès le premier euro si vos clients vous versent un acompte, ou à partir de 200 000 € TTC de prestations déclarées sur l'année civile lorsque l'Urssaf règle 100 % de la prestation. Les pièces demandées s'adaptent à votre forme juridique.",{"type":57,"children":2053,"toc":3803},[2054,2089,2110,2114,2186,2192,2204,2230,2236,2497,2503,2551,2584,2590,2624,2647,2653,2696,2708,2714,2755,2760,2766,2824,2835,2841,2893,2906,2912,2947,3009,3015,3051,3063,3069,3105,3116,3122,3176,3181,3186,3219,3417,3429,3435,3440,3513,3518,3524,3529,3540,3546,3570,3596,3602,3613,3619,3643,3668,3672,3731,3735,3776,3787,3792,3795],{"type":60,"tag":61,"props":2055,"children":2056},{},[2057],{"type":60,"tag":65,"props":2058,"children":2059},{},[2060,2062,2067,2069,2074,2076,2081,2083,2087],{"type":69,"value":2061},"Guide pratique 2026 — Publié le 25 septembre 2026, mis à jour le 26 septembre 2026. Cet article est une ",{"type":60,"tag":72,"props":2063,"children":2064},{},[2065],{"type":69,"value":2066},"checklist opérationnelle",{"type":69,"value":2068}," pour les organismes de ",{"type":60,"tag":72,"props":2070,"children":2071},{},[2072],{"type":69,"value":2073},"services à la personne",{"type":69,"value":2075}," qui doivent transmettre à l'Urssaf une ",{"type":60,"tag":72,"props":2077,"children":2078},{},[2079],{"type":69,"value":2080},"attestation de garantie financière",{"type":69,"value":2082}," avant l'échéance du ",{"type":60,"tag":72,"props":2084,"children":2085},{},[2086],{"type":69,"value":878},{"type":69,"value":2088}," : dix points à cocher, dans l'ordre.",{"type":60,"tag":61,"props":2090,"children":2091},{},[2092,2094,2099,2101,2108],{"type":69,"value":2093},"Cette checklist garantie financière SAP liste dix points à cocher, dans l'ordre : savoir si l'on est concerné, situer sa tranche du barème de l'",{"type":60,"tag":72,"props":2095,"children":2096},{},[2097],{"type":69,"value":2098},"article D133-22",{"type":69,"value":2100},", réunir liasse fiscale, Kbis, RIB et autres pièces, déposer la demande, contrôler l'attestation reçue, régler la prime, la transmettre à ",{"type":60,"tag":72,"props":2102,"children":2103},{},[2104],{"type":60,"tag":269,"props":2105,"children":2106},{"href":912},[2107],{"type":69,"value":915},{"type":69,"value":2109}," et conserver la preuve d'envoi.",{"type":60,"tag":140,"props":2111,"children":2112},{"id":142},[2113],{"type":69,"value":145},{"type":60,"tag":147,"props":2115,"children":2116},{},[2117,2127,2137,2147,2163],{"type":60,"tag":151,"props":2118,"children":2119},{},[2120,2125],{"type":60,"tag":72,"props":2121,"children":2122},{},[2123],{"type":69,"value":2124},"10 points à cocher",{"type":69,"value":2126},", avec un tableau récapitulatif : ce qu'il faut avoir en main et le temps à prévoir pour chacun.",{"type":60,"tag":151,"props":2128,"children":2129},{},[2130,2135],{"type":60,"tag":72,"props":2131,"children":2132},{},[2133],{"type":69,"value":2134},"J-30 = 1er octobre 2026",{"type":69,"value":2136}," : date à laquelle votre demande devrait être déposée pour garder une marge sur les compléments, le paiement et la transmission.",{"type":60,"tag":151,"props":2138,"children":2139},{},[2140,2145],{"type":60,"tag":72,"props":2141,"children":2142},{},[2143],{"type":69,"value":2144},"Échéance : 31 octobre 2026",{"type":69,"value":2146},", date limite de dépôt de la garantie fixée par l'Urssaf dans le cadre de ses contrôles (urssaf.fr, FAQ garantie financière).",{"type":60,"tag":151,"props":2148,"children":2149},{},[2150,2155,2157,2161],{"type":60,"tag":72,"props":2151,"children":2152},{},[2153],{"type":69,"value":2154},"Nouvelle grille Tutassûr",{"type":69,"value":2156}," du 25 septembre 2026 : ",{"type":60,"tag":72,"props":2158,"children":2159},{},[2160],{"type":69,"value":646},{"type":69,"value":2162},", tarif indicatif, définitif après étude du dossier.",{"type":60,"tag":151,"props":2164,"children":2165},{},[2166,2171,2173,2178,2180,2184],{"type":60,"tag":72,"props":2167,"children":2168},{},[2169],{"type":69,"value":2170},"Sans attestation conforme",{"type":69,"value":2172}," transmise, l'accès à l'",{"type":60,"tag":72,"props":2174,"children":2175},{},[2176],{"type":69,"value":2177},"Avance Immédiate",{"type":69,"value":2179}," est ",{"type":60,"tag":72,"props":2181,"children":2182},{},[2183],{"type":69,"value":160},{"type":69,"value":2185}," : vos clients avancent 100 % du coût de la prestation.",{"type":60,"tag":140,"props":2187,"children":2189},{"id":2188},"pourquoi-parler-de-j-30-alors-que-léchéance-est-le-31-octobre-2026",[2190],{"type":69,"value":2191},"Pourquoi parler de J-30 alors que l'échéance est le 31 octobre 2026 ?",{"type":60,"tag":61,"props":2193,"children":2194},{},[2195,2197,2203],{"type":69,"value":2196},"Le 31 octobre 2026 est la date limite de dépôt de l'attestation fixée par l'Urssaf (page du service Avance Immédiate et FAQ garantie financière). Pourquoi elle a succédé à trois autres dates, et pourquoi certaines pages affichent encore le 31 juillet, est expliqué dans notre article sur la ",{"type":60,"tag":269,"props":2198,"children":2200},{"href":2199},"\u002Fblog\u002Fgarantie-financiere-sap-date-limite-31-juillet-2026",[2201],{"type":69,"value":2202},"date limite de la garantie financière SAP et historique des reports",{"type":69,"value":239},{"type":60,"tag":61,"props":2205,"children":2206},{},[2207,2209,2214,2216,2221,2223,2228],{"type":69,"value":2208},"Le 31 octobre est la date à laquelle l'attestation doit avoir été ",{"type":60,"tag":72,"props":2210,"children":2211},{},[2212],{"type":69,"value":2213},"transmise",{"type":69,"value":2215},", pas celle à laquelle il faut commencer. Entre le dépôt de la demande et la réception par l'Urssaf s'enchaînent l'étude, les compléments éventuels, la mise en place du contrat et l'envoi avec date certaine. D'où le repère ",{"type":60,"tag":72,"props":2217,"children":2218},{},[2219],{"type":69,"value":2220},"J-30",{"type":69,"value":2222},", le ",{"type":60,"tag":72,"props":2224,"children":2225},{},[2226],{"type":69,"value":2227},"1er octobre 2026",{"type":69,"value":2229}," : au-delà, chaque jour perdu sur une pièce se paie sur l'échéance.",{"type":60,"tag":140,"props":2231,"children":2233},{"id":2232},"quels-sont-les-10-points-de-la-checklist-garantie-financière-sap",[2234],{"type":69,"value":2235},"Quels sont les 10 points de la checklist garantie financière SAP ?",{"type":60,"tag":1084,"props":2237,"children":2238},{},[2239,2265],{"type":60,"tag":1088,"props":2240,"children":2241},{},[2242],{"type":60,"tag":1092,"props":2243,"children":2244},{},[2245,2250,2255,2260],{"type":60,"tag":1096,"props":2246,"children":2247},{},[2248],{"type":69,"value":2249},"#",{"type":60,"tag":1096,"props":2251,"children":2252},{},[2253],{"type":69,"value":2254},"Point à cocher",{"type":60,"tag":1096,"props":2256,"children":2257},{},[2258],{"type":69,"value":2259},"À avoir en main",{"type":60,"tag":1096,"props":2261,"children":2262},{},[2263],{"type":69,"value":2264},"Temps à prévoir (estimation)",{"type":60,"tag":1112,"props":2266,"children":2267},{},[2268,2291,2314,2337,2360,2383,2406,2429,2452,2474],{"type":60,"tag":1092,"props":2269,"children":2270},{},[2271,2276,2281,2286],{"type":60,"tag":1119,"props":2272,"children":2273},{},[2274],{"type":69,"value":2275},"1",{"type":60,"tag":1119,"props":2277,"children":2278},{},[2279],{"type":69,"value":2280},"Suis-je concerné ?",{"type":60,"tag":1119,"props":2282,"children":2283},{},[2284],{"type":69,"value":2285},"Mode de règlement, volume de prestations déclarées",{"type":60,"tag":1119,"props":2287,"children":2288},{},[2289],{"type":69,"value":2290},"10 minutes",{"type":60,"tag":1092,"props":2292,"children":2293},{},[2294,2299,2304,2309],{"type":60,"tag":1119,"props":2295,"children":2296},{},[2297],{"type":69,"value":2298},"2",{"type":60,"tag":1119,"props":2300,"children":2301},{},[2302],{"type":69,"value":2303},"Ma tranche du barème",{"type":60,"tag":1119,"props":2305,"children":2306},{},[2307],{"type":69,"value":2308},"Total des prestations, acompte inclus",{"type":60,"tag":1119,"props":2310,"children":2311},{},[2312],{"type":69,"value":2313},"15 minutes",{"type":60,"tag":1092,"props":2315,"children":2316},{},[2317,2322,2327,2332],{"type":60,"tag":1119,"props":2318,"children":2319},{},[2320],{"type":69,"value":2321},"3",{"type":60,"tag":1119,"props":2323,"children":2324},{},[2325],{"type":69,"value":2326},"Ma liasse fiscale",{"type":60,"tag":1119,"props":2328,"children":2329},{},[2330],{"type":69,"value":2331},"Dernier exercice clos ou prévisionnel",{"type":60,"tag":1119,"props":2333,"children":2334},{},[2335],{"type":69,"value":2336},"Selon votre comptable",{"type":60,"tag":1092,"props":2338,"children":2339},{},[2340,2345,2350,2355],{"type":60,"tag":1119,"props":2341,"children":2342},{},[2343],{"type":69,"value":2344},"4",{"type":60,"tag":1119,"props":2346,"children":2347},{},[2348],{"type":69,"value":2349},"Mon Kbis",{"type":60,"tag":1119,"props":2351,"children":2352},{},[2353],{"type":69,"value":2354},"Extrait de moins de 3 mois",{"type":60,"tag":1119,"props":2356,"children":2357},{},[2358],{"type":69,"value":2359},"Immédiat en ligne",{"type":60,"tag":1092,"props":2361,"children":2362},{},[2363,2368,2373,2378],{"type":60,"tag":1119,"props":2364,"children":2365},{},[2366],{"type":69,"value":2367},"5",{"type":60,"tag":1119,"props":2369,"children":2370},{},[2371],{"type":69,"value":2372},"Mon RIB et mes autres pièces",{"type":60,"tag":1119,"props":2374,"children":2375},{},[2376],{"type":69,"value":2377},"RIB, déclaration NOVA, agrément éventuel, estimation annuelle",{"type":60,"tag":1119,"props":2379,"children":2380},{},[2381],{"type":69,"value":2382},"1 journée",{"type":60,"tag":1092,"props":2384,"children":2385},{},[2386,2391,2396,2401],{"type":60,"tag":1119,"props":2387,"children":2388},{},[2389],{"type":69,"value":2390},"6",{"type":60,"tag":1119,"props":2392,"children":2393},{},[2394],{"type":69,"value":2395},"Ma demande de devis",{"type":60,"tag":1119,"props":2397,"children":2398},{},[2399],{"type":69,"value":2400},"Dossier complet déposé en ligne",{"type":60,"tag":1119,"props":2402,"children":2403},{},[2404],{"type":69,"value":2405},"20 minutes",{"type":60,"tag":1092,"props":2407,"children":2408},{},[2409,2414,2419,2424],{"type":60,"tag":1119,"props":2410,"children":2411},{},[2412],{"type":69,"value":2413},"7",{"type":60,"tag":1119,"props":2415,"children":2416},{},[2417],{"type":69,"value":2418},"La réponse",{"type":60,"tag":1119,"props":2420,"children":2421},{},[2422],{"type":69,"value":2423},"Attestation vérifiée point par point",{"type":60,"tag":1119,"props":2425,"children":2426},{},[2427],{"type":69,"value":2428},"Selon l'étude du dossier",{"type":60,"tag":1092,"props":2430,"children":2431},{},[2432,2437,2442,2447],{"type":60,"tag":1119,"props":2433,"children":2434},{},[2435],{"type":69,"value":2436},"8",{"type":60,"tag":1119,"props":2438,"children":2439},{},[2440],{"type":69,"value":2441},"Le paiement",{"type":60,"tag":1119,"props":2443,"children":2444},{},[2445],{"type":69,"value":2446},"Prime réglée, contrat mis en place",{"type":60,"tag":1119,"props":2448,"children":2449},{},[2450],{"type":69,"value":2451},"À réception",{"type":60,"tag":1092,"props":2453,"children":2454},{},[2455,2460,2465,2470],{"type":60,"tag":1119,"props":2456,"children":2457},{},[2458],{"type":69,"value":2459},"9",{"type":60,"tag":1119,"props":2461,"children":2462},{},[2463],{"type":69,"value":2464},"La transmission à l'Urssaf",{"type":60,"tag":1119,"props":2466,"children":2467},{},[2468],{"type":69,"value":2469},"Envoi avec date certaine",{"type":60,"tag":1119,"props":2471,"children":2472},{},[2473],{"type":69,"value":2382},{"type":60,"tag":1092,"props":2475,"children":2476},{},[2477,2482,2487,2492],{"type":60,"tag":1119,"props":2478,"children":2479},{},[2480],{"type":69,"value":2481},"10",{"type":60,"tag":1119,"props":2483,"children":2484},{},[2485],{"type":69,"value":2486},"La conservation",{"type":60,"tag":1119,"props":2488,"children":2489},{},[2490],{"type":69,"value":2491},"Attestation, accusé de réception, contrat, quittance",{"type":60,"tag":1119,"props":2493,"children":2494},{},[2495],{"type":69,"value":2496},"30 minutes",{"type":60,"tag":359,"props":2498,"children":2500},{"id":2499},"_1-suis-je-concerné",[2501],{"type":69,"value":2502},"1. Suis-je concerné ?",{"type":60,"tag":147,"props":2504,"children":2507},{"className":2505},[2506],"contains-task-list",[2508,2535],{"type":60,"tag":151,"props":2509,"children":2512},{"className":2510},[2511],"task-list-item",[2513,2519,2521,2526,2528,2533],{"type":60,"tag":2514,"props":2515,"children":2518},"input",{"disabled":2516,"type":2517},true,"checkbox",[],{"type":69,"value":2520}," Je sais si mes clients me versent un ",{"type":60,"tag":72,"props":2522,"children":2523},{},[2524],{"type":69,"value":2525},"acompte",{"type":69,"value":2527}," ou si l'Urssaf règle ",{"type":60,"tag":72,"props":2529,"children":2530},{},[2531],{"type":69,"value":2532},"100 %",{"type":69,"value":2534}," de la prestation.",{"type":60,"tag":151,"props":2536,"children":2538},{"className":2537},[2511],[2539,2542,2544,2549],{"type":60,"tag":2514,"props":2540,"children":2541},{"disabled":2516,"type":2517},[],{"type":69,"value":2543}," Je connais mon ",{"type":60,"tag":72,"props":2545,"children":2546},{},[2547],{"type":69,"value":2548},"volume de prestations déclarées",{"type":69,"value":2550}," sur l'année civile.",{"type":60,"tag":61,"props":2552,"children":2553},{},[2554,2556,2561,2563,2568,2570,2575,2577,2582],{"type":69,"value":2555},"L'obligation découle des articles ",{"type":60,"tag":72,"props":2557,"children":2558},{},[2559],{"type":69,"value":2560},"L.133-8-5",{"type":69,"value":2562}," et ",{"type":60,"tag":72,"props":2564,"children":2565},{},[2566],{"type":69,"value":2567},"D133-22",{"type":69,"value":2569}," du Code de la sécurité sociale (décret n°2024-1161 du 4 décembre 2024). Elle s'applique ",{"type":60,"tag":72,"props":2571,"children":2572},{},[2573],{"type":69,"value":2574},"dès le premier euro",{"type":69,"value":2576}," si le client verse un acompte à l'organisme, ou ",{"type":60,"tag":72,"props":2578,"children":2579},{},[2580],{"type":69,"value":2581},"à partir de 200 000 € TTC",{"type":69,"value":2583}," de prestations déclarées sur l'année civile lorsque l'Urssaf règle 100 %.",{"type":60,"tag":359,"props":2585,"children":2587},{"id":2586},"_2-ma-tranche-du-barème",[2588],{"type":69,"value":2589},"2. Ma tranche du barème",{"type":60,"tag":147,"props":2591,"children":2593},{"className":2592},[2506],[2594,2609],{"type":60,"tag":151,"props":2595,"children":2597},{"className":2596},[2511],[2598,2601,2603,2608],{"type":60,"tag":2514,"props":2599,"children":2600},{"disabled":2516,"type":2517},[],{"type":69,"value":2602}," J'ai totalisé mes prestations déclarées, ",{"type":60,"tag":72,"props":2604,"children":2605},{},[2606],{"type":69,"value":2607},"acompte inclus",{"type":69,"value":239},{"type":60,"tag":151,"props":2610,"children":2612},{"className":2611},[2511],[2613,2616,2618,2623],{"type":60,"tag":2514,"props":2614,"children":2615},{"disabled":2516,"type":2517},[],{"type":69,"value":2617}," J'ai retenu la tranche qui couvre ",{"type":60,"tag":72,"props":2619,"children":2620},{},[2621],{"type":69,"value":2622},"tout mon besoin annuel",{"type":69,"value":239},{"type":60,"tag":61,"props":2625,"children":2626},{},[2627,2629,2633,2635,2639,2641,2646],{"type":69,"value":2628},"Le barème de l'article D133-22 compte sept tranches, de ",{"type":60,"tag":72,"props":2630,"children":2631},{},[2632],{"type":69,"value":1489},{"type":69,"value":2634}," de garantie (jusqu'à 500 000 € de prestations) à ",{"type":60,"tag":72,"props":2636,"children":2637},{},[2638],{"type":69,"value":1657},{"type":69,"value":2640}," (plus de 100 000 000 €). La FAQ Urssaf recommande de couvrir l'intégralité du besoin annuel : un dépassement de seuil impose une attestation actualisée. Méthode dans ",{"type":60,"tag":269,"props":2642,"children":2643},{"href":1193},[2644],{"type":69,"value":2645},"calcul du montant de garantie financière SAP",{"type":69,"value":239},{"type":60,"tag":359,"props":2648,"children":2650},{"id":2649},"_3-ma-liasse-fiscale",[2651],{"type":69,"value":2652},"3. Ma liasse fiscale",{"type":60,"tag":147,"props":2654,"children":2656},{"className":2655},[2506],[2657,2680],{"type":60,"tag":151,"props":2658,"children":2660},{"className":2659},[2511],[2661,2664,2666,2671,2673,2678],{"type":60,"tag":2514,"props":2662,"children":2663},{"disabled":2516,"type":2517},[],{"type":69,"value":2665}," J'ai la ",{"type":60,"tag":72,"props":2667,"children":2668},{},[2669],{"type":69,"value":2670},"liasse fiscale complète",{"type":69,"value":2672}," de mon dernier exercice clos, ou mes ",{"type":60,"tag":72,"props":2674,"children":2675},{},[2676],{"type":69,"value":2677},"deux derniers bilans",{"type":69,"value":2679}," avec comptes de résultat.",{"type":60,"tag":151,"props":2681,"children":2683},{"className":2682},[2511],[2684,2687,2689,2694],{"type":60,"tag":2514,"props":2685,"children":2686},{"disabled":2516,"type":2517},[],{"type":69,"value":2688}," Si ma structure est récente, j'ai un ",{"type":60,"tag":72,"props":2690,"children":2691},{},[2692],{"type":69,"value":2693},"prévisionnel",{"type":69,"value":2695}," chiffré.",{"type":60,"tag":61,"props":2697,"children":2698},{},[2699,2701,2706],{"type":69,"value":2700},"C'est la pièce qui pèse le plus sur le tarif : une liasse portant sur une ",{"type":60,"tag":72,"props":2702,"children":2703},{},[2704],{"type":69,"value":2705},"année complète",{"type":69,"value":2707}," (exercice de douze mois clos) ouvre les colonnes B ou C de la grille ci-dessous ; son absence renvoie à la colonne A. Demandez-la à votre comptable dès aujourd'hui.",{"type":60,"tag":359,"props":2709,"children":2711},{"id":2710},"_4-mon-kbis",[2712],{"type":69,"value":2713},"4. Mon Kbis",{"type":60,"tag":147,"props":2715,"children":2717},{"className":2716},[2506],[2718,2733],{"type":60,"tag":151,"props":2719,"children":2721},{"className":2720},[2511],[2722,2725,2727,2732],{"type":60,"tag":2514,"props":2723,"children":2724},{"disabled":2516,"type":2517},[],{"type":69,"value":2726}," Mon extrait Kbis date de ",{"type":60,"tag":72,"props":2728,"children":2729},{},[2730],{"type":69,"value":2731},"moins de 3 mois",{"type":69,"value":239},{"type":60,"tag":151,"props":2734,"children":2736},{"className":2735},[2511],[2737,2740,2742,2747,2748,2753],{"type":60,"tag":2514,"props":2738,"children":2739},{"disabled":2516,"type":2517},[],{"type":69,"value":2741}," ",{"type":60,"tag":72,"props":2743,"children":2744},{},[2745],{"type":69,"value":2746},"Dénomination",{"type":69,"value":2562},{"type":60,"tag":72,"props":2749,"children":2750},{},[2751],{"type":69,"value":2752},"SIRET",{"type":69,"value":2754}," sont identiques à ceux de ma déclaration NOVA et de mon compte Urssaf.",{"type":60,"tag":61,"props":2756,"children":2757},{},[2758],{"type":69,"value":2759},"Le Kbis s'obtient en ligne sur monidenum.fr ou auprès du greffe (avis de situation SIRENE et statuts pour une association). Vérifiez surtout la cohérence des identifiants : l'attestation doit désigner l'organisme couvert par sa dénomination complète et son SIRET.",{"type":60,"tag":359,"props":2761,"children":2763},{"id":2762},"_5-mon-rib-et-mes-autres-pièces",[2764],{"type":69,"value":2765},"5. Mon RIB et mes autres pièces",{"type":60,"tag":147,"props":2767,"children":2769},{"className":2768},[2506],[2770,2786,2808],{"type":60,"tag":151,"props":2771,"children":2773},{"className":2772},[2511],[2774,2777,2779,2784],{"type":60,"tag":2514,"props":2775,"children":2776},{"disabled":2516,"type":2517},[],{"type":69,"value":2778}," Un ",{"type":60,"tag":72,"props":2780,"children":2781},{},[2782],{"type":69,"value":2783},"RIB au nom de la structure",{"type":69,"value":2785},", pas d'un dirigeant.",{"type":60,"tag":151,"props":2787,"children":2789},{"className":2788},[2511],[2790,2793,2795,2800,2802,2807],{"type":60,"tag":2514,"props":2791,"children":2792},{"disabled":2516,"type":2517},[],{"type":69,"value":2794}," Ma ",{"type":60,"tag":72,"props":2796,"children":2797},{},[2798],{"type":69,"value":2799},"déclaration NOVA",{"type":69,"value":2801}," (récépissé) et, le cas échéant, mon ",{"type":60,"tag":72,"props":2803,"children":2804},{},[2805],{"type":69,"value":2806},"agrément",{"type":69,"value":239},{"type":60,"tag":151,"props":2809,"children":2811},{"className":2810},[2511],[2812,2815,2817,2822],{"type":60,"tag":2514,"props":2813,"children":2814},{"disabled":2516,"type":2517},[],{"type":69,"value":2816}," Une ",{"type":60,"tag":72,"props":2818,"children":2819},{},[2820],{"type":69,"value":2821},"estimation réaliste",{"type":69,"value":2823}," de mon volume annuel de prestations.",{"type":60,"tag":61,"props":2825,"children":2826},{},[2827,2829,2834],{"type":69,"value":2828},"Le RIB sert à la mise en place du contrat et au règlement ; la déclaration NOVA atteste que vous exercez dans le champ du dispositif. Liste complète dans ",{"type":60,"tag":269,"props":2830,"children":2831},{"href":1379},[2832],{"type":69,"value":2833},"les pièces à fournir pour votre dossier",{"type":69,"value":239},{"type":60,"tag":359,"props":2836,"children":2838},{"id":2837},"_6-ma-demande-de-devis",[2839],{"type":69,"value":2840},"6. Ma demande de devis",{"type":60,"tag":147,"props":2842,"children":2844},{"className":2843},[2506],[2845,2861,2877],{"type":60,"tag":151,"props":2846,"children":2848},{"className":2847},[2511],[2849,2852,2854,2859],{"type":60,"tag":2514,"props":2850,"children":2851},{"disabled":2516,"type":2517},[],{"type":69,"value":2853}," J'ai fait une ",{"type":60,"tag":72,"props":2855,"children":2856},{},[2857],{"type":69,"value":2858},"estimation",{"type":69,"value":2860}," sur le simulateur de la page produit.",{"type":60,"tag":151,"props":2862,"children":2864},{"className":2863},[2511],[2865,2868,2870,2875],{"type":60,"tag":2514,"props":2866,"children":2867},{"disabled":2516,"type":2517},[],{"type":69,"value":2869}," J'ai déposé ",{"type":60,"tag":72,"props":2871,"children":2872},{},[2873],{"type":69,"value":2874},"une seule demande",{"type":69,"value":2876},", complète, sur le parcours en ligne.",{"type":60,"tag":151,"props":2878,"children":2880},{"className":2879},[2511],[2881,2884,2886,2891],{"type":60,"tag":2514,"props":2882,"children":2883},{"disabled":2516,"type":2517},[],{"type":69,"value":2885}," J'ai répondu ",{"type":60,"tag":72,"props":2887,"children":2888},{},[2889],{"type":69,"value":2890},"avec exactitude",{"type":69,"value":2892}," aux questions sur les antécédents.",{"type":60,"tag":61,"props":2894,"children":2895},{},[2896,2898,2904],{"type":69,"value":2897},"La demande se fait sur ",{"type":60,"tag":269,"props":2899,"children":2901},{"href":1387,"rel":2900},[273],[2902],{"type":69,"value":2903},"parcours-garantie-financiere.tutassur.fr",{"type":69,"value":2905},", pièces déposées en ligne. Deux demandes parallèles pour la même structure créent des doublons et ralentissent l'étude ; un antécédent passé sous silence et découvert à l'étude fragilise le contrat.",{"type":60,"tag":359,"props":2907,"children":2909},{"id":2908},"_7-la-réponse",[2910],{"type":69,"value":2911},"7. La réponse",{"type":60,"tag":147,"props":2913,"children":2915},{"className":2914},[2506],[2916,2932],{"type":60,"tag":151,"props":2917,"children":2919},{"className":2918},[2511],[2920,2923,2925,2930],{"type":60,"tag":2514,"props":2921,"children":2922},{"disabled":2516,"type":2517},[],{"type":69,"value":2924}," J'ai reçu la ",{"type":60,"tag":72,"props":2926,"children":2927},{},[2928],{"type":69,"value":2929},"réponse",{"type":69,"value":2931}," du garant sur mon dossier complet.",{"type":60,"tag":151,"props":2933,"children":2935},{"className":2934},[2511],[2936,2939,2941,2946],{"type":60,"tag":2514,"props":2937,"children":2938},{"disabled":2516,"type":2517},[],{"type":69,"value":2940}," J'ai vérifié l'attestation ",{"type":60,"tag":72,"props":2942,"children":2943},{},[2944],{"type":69,"value":2945},"ligne par ligne",{"type":69,"value":239},{"type":60,"tag":61,"props":2948,"children":2949},{},[2950,2952,2957,2959,2964,2966,2971,2973,2978,2980,2985,2987,2992,2994,2999,3001,3007],{"type":69,"value":2951},"Avant tout envoi à l'Urssaf, contrôlez que l'attestation comporte l'identification du ",{"type":60,"tag":72,"props":2953,"children":2954},{},[2955],{"type":69,"value":2956},"garant",{"type":69,"value":2958},", du ",{"type":60,"tag":72,"props":2960,"children":2961},{},[2962],{"type":69,"value":2963},"bénéficiaire",{"type":69,"value":2965}," (l'Urssaf Rhône-Alpes, selon urssaf.fr) et de l'",{"type":60,"tag":72,"props":2967,"children":2968},{},[2969],{"type":69,"value":2970},"organisme couvert",{"type":69,"value":2972}," (dénomination complète et SIRET), l'",{"type":60,"tag":72,"props":2974,"children":2975},{},[2976],{"type":69,"value":2977},"objet",{"type":69,"value":2979}," de la garantie, les ",{"type":60,"tag":72,"props":2981,"children":2982},{},[2983],{"type":69,"value":2984},"engagements",{"type":69,"value":2986}," du garant, le ",{"type":60,"tag":72,"props":2988,"children":2989},{},[2990],{"type":69,"value":2991},"montant",{"type":69,"value":2993}," (au moins égal à votre tranche) et la ",{"type":60,"tag":72,"props":2995,"children":2996},{},[2997],{"type":69,"value":2998},"période de validité",{"type":69,"value":3000},". L'Urssaf met à disposition un modèle d'attestation pour vérifier ces mentions, mais ne valide aucun modèle en amont : voir le ",{"type":60,"tag":269,"props":3002,"children":3004},{"href":3003},"\u002Fblog\u002Fnumero-aici-attestation-garantie-financiere-sap",[3005],{"type":69,"value":3006},"modèle Urssaf d'attestation, rubrique par rubrique",{"type":69,"value":3008},". Tête de réseau : chaque organisme couvert est identifié individuellement, avec son propre montant.",{"type":60,"tag":359,"props":3010,"children":3012},{"id":3011},"_8-le-paiement",[3013],{"type":69,"value":3014},"8. Le paiement",{"type":60,"tag":147,"props":3016,"children":3018},{"className":3017},[2506],[3019,3035],{"type":60,"tag":151,"props":3020,"children":3022},{"className":3021},[2511],[3023,3026,3028,3033],{"type":60,"tag":2514,"props":3024,"children":3025},{"disabled":2516,"type":2517},[],{"type":69,"value":3027}," J'ai réglé la ",{"type":60,"tag":72,"props":3029,"children":3030},{},[3031],{"type":69,"value":3032},"prime",{"type":69,"value":3034}," à réception de l'appel de cotisation.",{"type":60,"tag":151,"props":3036,"children":3038},{"className":3037},[2511],[3039,3042,3044,3049],{"type":60,"tag":2514,"props":3040,"children":3041},{"disabled":2516,"type":2517},[],{"type":69,"value":3043}," J'ai conservé la ",{"type":60,"tag":72,"props":3045,"children":3046},{},[3047],{"type":69,"value":3048},"quittance",{"type":69,"value":3050}," ou la facture.",{"type":60,"tag":61,"props":3052,"children":3053},{},[3054,3056,3061],{"type":69,"value":3055},"Les tarifs de la grille sont annuels et ",{"type":60,"tag":72,"props":3057,"children":3058},{},[3059],{"type":69,"value":3060},"hors fractionnement",{"type":69,"value":3062}," : un paiement mensuel ou trimestriel peut en modifier le montant. Un règlement rapide évite un retard inutile à ce stade.",{"type":60,"tag":359,"props":3064,"children":3066},{"id":3065},"_9-la-transmission-à-lurssaf",[3067],{"type":69,"value":3068},"9. La transmission à l'Urssaf",{"type":60,"tag":147,"props":3070,"children":3072},{"className":3071},[2506],[3073,3090],{"type":60,"tag":151,"props":3074,"children":3076},{"className":3075},[2511],[3077,3080,3082,3089],{"type":60,"tag":2514,"props":3078,"children":3079},{"disabled":2516,"type":2517},[],{"type":69,"value":3081}," J'ai envoyé l'attestation à ",{"type":60,"tag":72,"props":3083,"children":3084},{},[3085],{"type":60,"tag":269,"props":3086,"children":3087},{"href":912},[3088],{"type":69,"value":915},{"type":69,"value":239},{"type":60,"tag":151,"props":3091,"children":3093},{"className":3092},[2511],[3094,3097,3099,3104],{"type":60,"tag":2514,"props":3095,"children":3096},{"disabled":2516,"type":2517},[],{"type":69,"value":3098}," J'ai utilisé un moyen donnant une ",{"type":60,"tag":72,"props":3100,"children":3101},{},[3102],{"type":69,"value":3103},"date certaine de réception",{"type":69,"value":239},{"type":60,"tag":61,"props":3106,"children":3107},{},[3108,3110,3115],{"type":69,"value":3109},"Courriel avec accusé de réception ou envoi recommandé électronique, dénomination et SIRET dans l'objet, attestation en PDF. Vérifiez qui, de vous ou du garant, se charge de l'envoi : ne présumez pas qu'il est fait. Procédure complète dans ",{"type":60,"tag":269,"props":3111,"children":3112},{"href":1424},[3113],{"type":69,"value":3114},"obtenir et transmettre son attestation à l'Urssaf",{"type":69,"value":239},{"type":60,"tag":359,"props":3117,"children":3119},{"id":3118},"_10-la-conservation",[3120],{"type":69,"value":3121},"10. La conservation",{"type":60,"tag":147,"props":3123,"children":3125},{"className":3124},[2506],[3126,3160],{"type":60,"tag":151,"props":3127,"children":3129},{"className":3128},[2511],[3130,3133,3135,3140,3142,3147,3148,3153,3155,3159],{"type":60,"tag":2514,"props":3131,"children":3132},{"disabled":2516,"type":2517},[],{"type":69,"value":3134}," J'ai archivé l'",{"type":60,"tag":72,"props":3136,"children":3137},{},[3138],{"type":69,"value":3139},"attestation",{"type":69,"value":3141},", l'",{"type":60,"tag":72,"props":3143,"children":3144},{},[3145],{"type":69,"value":3146},"accusé de réception",{"type":69,"value":2222},{"type":60,"tag":72,"props":3149,"children":3150},{},[3151],{"type":69,"value":3152},"contrat",{"type":69,"value":3154}," et la ",{"type":60,"tag":72,"props":3156,"children":3157},{},[3158],{"type":69,"value":3048},{"type":69,"value":239},{"type":60,"tag":151,"props":3161,"children":3163},{"className":3162},[2511],[3164,3167,3169,3174],{"type":60,"tag":2514,"props":3165,"children":3166},{"disabled":2516,"type":2517},[],{"type":69,"value":3168}," J'ai noté l'",{"type":60,"tag":72,"props":3170,"children":3171},{},[3172],{"type":69,"value":3173},"échéance annuelle",{"type":69,"value":3175}," et programmé un rappel deux mois avant.",{"type":60,"tag":61,"props":3177,"children":3178},{},[3179],{"type":69,"value":3180},"La garantie est annuelle : les contrats arrivent généralement à échéance au 31 décembre et une nouvelle attestation doit être transmise chaque année. La preuve d'envoi vous protège en cas de contrôle ou de contestation sur la date de réception.",{"type":60,"tag":140,"props":3182,"children":3184},{"id":3183},"combien-coûte-la-garantie-financière-avec-la-grille-du-25-septembre-2026",[3185],{"type":69,"value":2041},{"type":60,"tag":61,"props":3187,"children":3188},{},[3189,3191,3196,3198,3203,3205,3210,3212,3217],{"type":69,"value":3190},"Tutassûr a publié le ",{"type":60,"tag":72,"props":3192,"children":3193},{},[3194],{"type":69,"value":3195},"25 septembre 2026",{"type":69,"value":3197}," une nouvelle grille, qui remplace la précédente. Trois colonnes selon l'historique comptable : ",{"type":60,"tag":72,"props":3199,"children":3200},{},[3201],{"type":69,"value":3202},"A",{"type":69,"value":3204},", absence de liasse fiscale sur une année complète ; ",{"type":60,"tag":72,"props":3206,"children":3207},{},[3208],{"type":69,"value":3209},"B",{"type":69,"value":3211},", au moins une liasse fiscale sur une année complète et ancienneté inférieure à 3 ans ; ",{"type":60,"tag":72,"props":3213,"children":3214},{},[3215],{"type":69,"value":3216},"C",{"type":69,"value":3218},", ancienneté supérieure à 3 ans.",{"type":60,"tag":1084,"props":3220,"children":3221},{},[3222,3253],{"type":60,"tag":1088,"props":3223,"children":3224},{},[3225],{"type":60,"tag":1092,"props":3226,"children":3227},{},[3228,3233,3238,3243,3248],{"type":60,"tag":1096,"props":3229,"children":3230},{},[3231],{"type":69,"value":3232},"Prestations déclarées (CA)",{"type":60,"tag":1096,"props":3234,"children":3235},{},[3236],{"type":69,"value":3237},"Garantie exigée (barème D133-22)",{"type":60,"tag":1096,"props":3239,"children":3240},{},[3241],{"type":69,"value":3242},"A — sans liasse annuelle",{"type":60,"tag":1096,"props":3244,"children":3245},{},[3246],{"type":69,"value":3247},"B — liasse, \u003C 3 ans",{"type":60,"tag":1096,"props":3249,"children":3250},{},[3251],{"type":69,"value":3252},"C — > 3 ans",{"type":60,"tag":1112,"props":3254,"children":3255},{},[3256,3279,3302,3325,3348,3371,3394],{"type":60,"tag":1092,"props":3257,"children":3258},{},[3259,3263,3267,3271,3275],{"type":60,"tag":1119,"props":3260,"children":3261},{},[3262],{"type":69,"value":1484},{"type":60,"tag":1119,"props":3264,"children":3265},{},[3266],{"type":69,"value":1489},{"type":60,"tag":1119,"props":3268,"children":3269},{},[3270],{"type":69,"value":1494},{"type":60,"tag":1119,"props":3272,"children":3273},{},[3274],{"type":69,"value":1499},{"type":60,"tag":1119,"props":3276,"children":3277},{},[3278],{"type":69,"value":1504},{"type":60,"tag":1092,"props":3280,"children":3281},{},[3282,3286,3290,3294,3298],{"type":60,"tag":1119,"props":3283,"children":3284},{},[3285],{"type":69,"value":1512},{"type":60,"tag":1119,"props":3287,"children":3288},{},[3289],{"type":69,"value":1517},{"type":60,"tag":1119,"props":3291,"children":3292},{},[3293],{"type":69,"value":1522},{"type":60,"tag":1119,"props":3295,"children":3296},{},[3297],{"type":69,"value":1527},{"type":60,"tag":1119,"props":3299,"children":3300},{},[3301],{"type":69,"value":1532},{"type":60,"tag":1092,"props":3303,"children":3304},{},[3305,3309,3313,3317,3321],{"type":60,"tag":1119,"props":3306,"children":3307},{},[3308],{"type":69,"value":1540},{"type":60,"tag":1119,"props":3310,"children":3311},{},[3312],{"type":69,"value":1545},{"type":60,"tag":1119,"props":3314,"children":3315},{},[3316],{"type":69,"value":1550},{"type":60,"tag":1119,"props":3318,"children":3319},{},[3320],{"type":69,"value":1555},{"type":60,"tag":1119,"props":3322,"children":3323},{},[3324],{"type":69,"value":1560},{"type":60,"tag":1092,"props":3326,"children":3327},{},[3328,3332,3336,3340,3344],{"type":60,"tag":1119,"props":3329,"children":3330},{},[3331],{"type":69,"value":1568},{"type":60,"tag":1119,"props":3333,"children":3334},{},[3335],{"type":69,"value":1573},{"type":60,"tag":1119,"props":3337,"children":3338},{},[3339],{"type":69,"value":1578},{"type":60,"tag":1119,"props":3341,"children":3342},{},[3343],{"type":69,"value":1583},{"type":60,"tag":1119,"props":3345,"children":3346},{},[3347],{"type":69,"value":1588},{"type":60,"tag":1092,"props":3349,"children":3350},{},[3351,3355,3359,3363,3367],{"type":60,"tag":1119,"props":3352,"children":3353},{},[3354],{"type":69,"value":1596},{"type":60,"tag":1119,"props":3356,"children":3357},{},[3358],{"type":69,"value":1601},{"type":60,"tag":1119,"props":3360,"children":3361},{},[3362],{"type":69,"value":1606},{"type":60,"tag":1119,"props":3364,"children":3365},{},[3366],{"type":69,"value":1611},{"type":60,"tag":1119,"props":3368,"children":3369},{},[3370],{"type":69,"value":1616},{"type":60,"tag":1092,"props":3372,"children":3373},{},[3374,3378,3382,3386,3390],{"type":60,"tag":1119,"props":3375,"children":3376},{},[3377],{"type":69,"value":1624},{"type":60,"tag":1119,"props":3379,"children":3380},{},[3381],{"type":69,"value":1629},{"type":60,"tag":1119,"props":3383,"children":3384},{},[3385],{"type":69,"value":1634},{"type":60,"tag":1119,"props":3387,"children":3388},{},[3389],{"type":69,"value":1639},{"type":60,"tag":1119,"props":3391,"children":3392},{},[3393],{"type":69,"value":1644},{"type":60,"tag":1092,"props":3395,"children":3396},{},[3397,3401,3405,3409,3413],{"type":60,"tag":1119,"props":3398,"children":3399},{},[3400],{"type":69,"value":1652},{"type":60,"tag":1119,"props":3402,"children":3403},{},[3404],{"type":69,"value":1657},{"type":60,"tag":1119,"props":3406,"children":3407},{},[3408],{"type":69,"value":1662},{"type":60,"tag":1119,"props":3410,"children":3411},{},[3412],{"type":69,"value":1667},{"type":60,"tag":1119,"props":3414,"children":3415},{},[3416],{"type":69,"value":1672},{"type":60,"tag":61,"props":3418,"children":3419},{},[3420,3422,3427],{"type":69,"value":3421},"Primes TTC par an, indicatives, hors fractionnement, définitives après étude du dossier. Le prix d'appel de ",{"type":60,"tag":72,"props":3423,"children":3424},{},[3425],{"type":69,"value":3426},"490 €\u002Fan",{"type":69,"value":3428}," correspond à une structure de plus de 3 ans d'ancienneté déclarant jusqu'à 500 000 € de prestations. À tranche égale, une liasse fiscale sur une année complète fait passer de la colonne A à la colonne B.",{"type":60,"tag":140,"props":3430,"children":3432},{"id":3431},"quelles-erreurs-retardent-le-plus-souvent-un-dossier",[3433],{"type":69,"value":3434},"Quelles erreurs retardent le plus souvent un dossier ?",{"type":60,"tag":61,"props":3436,"children":3437},{},[3438],{"type":69,"value":3439},"À cinq semaines de l'échéance, ce sont rarement les refus qui font manquer la date, mais les allers-retours :",{"type":60,"tag":147,"props":3441,"children":3442},{},[3443,3453,3463,3473,3483,3493,3503],{"type":60,"tag":151,"props":3444,"children":3445},{},[3446,3451],{"type":60,"tag":72,"props":3447,"children":3448},{},[3449],{"type":69,"value":3450},"Kbis de plus de 3 mois",{"type":69,"value":3452}," : la pièce est redemandée, le dossier attend.",{"type":60,"tag":151,"props":3454,"children":3455},{},[3456,3461],{"type":60,"tag":72,"props":3457,"children":3458},{},[3459],{"type":69,"value":3460},"Liasse incomplète",{"type":69,"value":3462}," : un bilan sans compte de résultat ne permet pas l'étude.",{"type":60,"tag":151,"props":3464,"children":3465},{},[3466,3471],{"type":60,"tag":72,"props":3467,"children":3468},{},[3469],{"type":69,"value":3470},"Tranche sous-estimée",{"type":69,"value":3472}," parce que l'acompte n'a pas été inclus dans le total.",{"type":60,"tag":151,"props":3474,"children":3475},{},[3476,3481],{"type":60,"tag":72,"props":3477,"children":3478},{},[3479],{"type":69,"value":3480},"Identifiants incohérents",{"type":69,"value":3482}," entre Kbis, déclaration NOVA et compte Urssaf.",{"type":60,"tag":151,"props":3484,"children":3485},{},[3486,3491],{"type":60,"tag":72,"props":3487,"children":3488},{},[3489],{"type":69,"value":3490},"RIB au nom d'un dirigeant",{"type":69,"value":3492}," plutôt que de la structure.",{"type":60,"tag":151,"props":3494,"children":3495},{},[3496,3501],{"type":60,"tag":72,"props":3497,"children":3498},{},[3499],{"type":69,"value":3500},"Antécédents passés sous silence",{"type":69,"value":3502}," et découverts à l'étude.",{"type":60,"tag":151,"props":3504,"children":3505},{},[3506,3511],{"type":60,"tag":72,"props":3507,"children":3508},{},[3509],{"type":69,"value":3510},"Attestation reçue mais jamais transmise",{"type":69,"value":3512},", ou transmise sans vérification (SIRET erroné, montant inférieur à la tranche).",{"type":60,"tag":61,"props":3514,"children":3515},{},[3516],{"type":69,"value":3517},"Chaque erreur coûte de un à plusieurs jours ; cumulées, elles transforment un dossier déposé le 20 octobre en dossier hors délai.",{"type":60,"tag":140,"props":3519,"children":3521},{"id":3520},"que-faire-si-le-garant-refuse-ou-majore-votre-dossier",[3522],{"type":69,"value":3523},"Que faire si le garant refuse ou majore votre dossier ?",{"type":60,"tag":61,"props":3525,"children":3526},{},[3527],{"type":69,"value":3528},"Un refus, une majoration ou une demande de garantie complémentaire ne sont pas une impasse, mais ils consomment du temps : c'est pour cela que la demande doit partir à J-30 et non à J-5. Le garant examine quatre agrégats financiers (certification des comptes, résultat net, fonds propres, résultat d'exploitation) et les antécédents (procédure collective, redressement Urssaf ou fiscal, contentieux d'un dirigeant sur les trois dernières années).",{"type":60,"tag":61,"props":3530,"children":3531},{},[3532,3534,3539],{"type":69,"value":3533},"Les leviers : faire certifier ses comptes, régulariser ou documenter un litige, compléter les pièces, se faire accompagner par un courtier qui présente le risque sous le bon angle. Critères et solutions dans ",{"type":60,"tag":269,"props":3535,"children":3536},{"href":691},[3537],{"type":69,"value":3538},"refus et critères d'éligibilité",{"type":69,"value":239},{"type":60,"tag":140,"props":3541,"children":3543},{"id":3542},"la-caution-bancaire-est-elle-un-plan-b-réaliste-à-cinq-semaines-de-léchéance",[3544],{"type":69,"value":3545},"La caution bancaire est-elle un plan B réaliste à cinq semaines de l'échéance ?",{"type":60,"tag":61,"props":3547,"children":3548},{},[3549,3551,3556,3557,3562,3563,3568],{"type":69,"value":3550},"Oui sur le principe, avec deux réserves. L'article D133-22 admet trois types de garants — ",{"type":60,"tag":72,"props":3552,"children":3553},{},[3554],{"type":69,"value":3555},"établissement de crédit",{"type":69,"value":192},{"type":60,"tag":72,"props":3558,"children":3559},{},[3560],{"type":69,"value":3561},"société de financement",{"type":69,"value":192},{"type":60,"tag":72,"props":3564,"children":3565},{},[3566],{"type":69,"value":3567},"entreprise d'assurance",{"type":69,"value":3569}," — et l'attestation a la même valeur auprès de l'Urssaf.",{"type":60,"tag":61,"props":3571,"children":3572},{},[3573,3575,3580,3582,3587,3589,3595],{"type":69,"value":3574},"Première réserve : la caution bancaire mobilise souvent la ",{"type":60,"tag":72,"props":3576,"children":3577},{},[3578],{"type":69,"value":3579},"trésorerie",{"type":69,"value":3581}," (blocage ou nantissement), là où la garantie par une assurance fonctionne par cotisation annuelle. Seconde réserve : le ",{"type":60,"tag":72,"props":3583,"children":3584},{},[3585],{"type":69,"value":3586},"délai d'instruction",{"type":69,"value":3588}," dépend de votre banque et doit entrer dans votre calendrier. Si vous activez ce plan B, faites-le en parallèle et non après un refus. Comparaison chiffrée dans ",{"type":60,"tag":269,"props":3590,"children":3592},{"href":3591},"\u002Fblog\u002Fcaution-bancaire-ou-assurance-garantie-financiere-sap",[3593],{"type":69,"value":3594},"caution bancaire ou assurance",{"type":69,"value":239},{"type":60,"tag":140,"props":3597,"children":3599},{"id":3598},"comment-répartir-ces-10-points-jusquau-31-octobre-2026",[3600],{"type":69,"value":3601},"Comment répartir ces 10 points jusqu'au 31 octobre 2026 ?",{"type":60,"tag":61,"props":3603,"children":3604},{},[3605,3607,3612],{"type":69,"value":3606},"Points 1 et 2 tout de suite, points 3 à 6 bouclés à J-30, le 1er octobre 2026, pour déposer une demande complète, points 7 à 10 après la réponse. La répartition détaillée, avec les pièces et les livrables de chaque étape et une semaine de réserve, figure dans notre ",{"type":60,"tag":269,"props":3608,"children":3609},{"href":1873},[3610],{"type":69,"value":3611},"calendrier semaine par semaine",{"type":69,"value":239},{"type":60,"tag":140,"props":3614,"children":3616},{"id":3615},"que-se-passe-t-il-après-le-31-octobre-2026",[3617],{"type":69,"value":3618},"Que se passe-t-il après le 31 octobre 2026 ?",{"type":60,"tag":61,"props":3620,"children":3621},{},[3622,3624,3629,3631,3635,3637,3642],{"type":69,"value":3623},"Un organisme concerné sans attestation conforme transmise voit son accès à l'",{"type":60,"tag":72,"props":3625,"children":3626},{},[3627],{"type":69,"value":3628},"Avance Immédiate suspendu",{"type":69,"value":3630}," : ses clients avancent l'intégralité du coût de la prestation en attendant leur crédit d'impôt. Pour les premiers jours et la régularisation, voir ",{"type":60,"tag":269,"props":3632,"children":3633},{"href":289},[3634],{"type":69,"value":292},{"type":69,"value":3636}," ; les règles de suspension sont détaillées dans ",{"type":60,"tag":269,"props":3638,"children":3639},{"href":1060},[3640],{"type":69,"value":3641},"suspension et exclusion de l'Avance Immédiate",{"type":69,"value":239},{"type":60,"tag":61,"props":3644,"children":3645},{},[3646,3648,3653,3655,3660,3662,3667],{"type":69,"value":3647},"L'obligation continue ensuite de vivre : attestation ",{"type":60,"tag":72,"props":3649,"children":3650},{},[3651],{"type":69,"value":3652},"annuelle",{"type":69,"value":3654},", nouvelle transmission chaque année, attestation actualisée à chaque ",{"type":60,"tag":72,"props":3656,"children":3657},{},[3658],{"type":69,"value":3659},"dépassement de seuil",{"type":69,"value":3661},". Voir ",{"type":60,"tag":269,"props":3663,"children":3664},{"href":1801},[3665],{"type":69,"value":3666},"renouvellement et résiliation de la garantie financière SAP",{"type":69,"value":239},{"type":60,"tag":140,"props":3669,"children":3670},{"id":1861},[3671],{"type":69,"value":1864},{"type":60,"tag":147,"props":3673,"children":3674},{},[3675,3683,3691,3699,3707,3715,3723],{"type":60,"tag":151,"props":3676,"children":3677},{},[3678],{"type":60,"tag":269,"props":3679,"children":3680},{"href":2199},[3681],{"type":69,"value":3682},"Date limite de la garantie financière SAP et historique des reports",{"type":60,"tag":151,"props":3684,"children":3685},{},[3686],{"type":60,"tag":269,"props":3687,"children":3688},{"href":1873},[3689],{"type":69,"value":3690},"Calendrier semaine par semaine de la garantie financière SAP",{"type":60,"tag":151,"props":3692,"children":3693},{},[3694],{"type":60,"tag":269,"props":3695,"children":3696},{"href":1379},[3697],{"type":69,"value":3698},"Garantie financière SAP : la liste des pièces à fournir",{"type":60,"tag":151,"props":3700,"children":3701},{},[3702],{"type":60,"tag":269,"props":3703,"children":3704},{"href":691},[3705],{"type":69,"value":3706},"Garantie financière SAP : refus et critères d'éligibilité",{"type":60,"tag":151,"props":3708,"children":3709},{},[3710],{"type":60,"tag":269,"props":3711,"children":3712},{"href":1424},[3713],{"type":69,"value":3714},"Obtenir et transmettre son attestation à l'Urssaf",{"type":60,"tag":151,"props":3716,"children":3717},{},[3718],{"type":60,"tag":269,"props":3719,"children":3720},{"href":1680},[3721],{"type":69,"value":3722},"Garantie financière SAP : les nouveaux tarifs 2026",{"type":60,"tag":151,"props":3724,"children":3725},{},[3726],{"type":60,"tag":269,"props":3727,"children":3728},{"href":659},[3729],{"type":69,"value":3730},"Page produit et simulateur garantie financière services à la personne",{"type":60,"tag":140,"props":3732,"children":3733},{"id":729},[3734],{"type":69,"value":732},{"type":60,"tag":147,"props":3736,"children":3737},{},[3738,3748,3758,3767],{"type":60,"tag":151,"props":3739,"children":3740},{},[3741,3743],{"type":69,"value":3742},"Service Avance Immédiate, rubrique « La garantie financière » : « la date limite de dépôt de garantie est fixée au 31\u002F10\u002F2026 » — ",{"type":60,"tag":269,"props":3744,"children":3746},{"href":271,"rel":3745},[273],[3747],{"type":69,"value":276},{"type":60,"tag":151,"props":3749,"children":3750},{},[3751,3753],{"type":69,"value":3752},"Foire aux questions sur la garantie financière (Urssaf, PDF) — ",{"type":60,"tag":269,"props":3754,"children":3756},{"href":280,"rel":3755},[273],[3757],{"type":69,"value":1944},{"type":60,"tag":151,"props":3759,"children":3760},{},[3761,3762],{"type":69,"value":740},{"type":60,"tag":269,"props":3763,"children":3765},{"href":743,"rel":3764},[273],[3766],{"type":69,"value":747},{"type":60,"tag":151,"props":3768,"children":3769},{},[3770,3771],{"type":69,"value":752},{"type":60,"tag":269,"props":3772,"children":3774},{"href":755,"rel":3773},[273],[3775],{"type":69,"value":759},{"type":60,"tag":61,"props":3777,"children":3778},{},[3779,3781,3786],{"type":69,"value":3780},"Presse spécialisée : report de la date limite au 31 octobre 2026, aladom.fr, 15 juillet 2026 (mis à jour le 4 août 2026) — ",{"type":60,"tag":269,"props":3782,"children":3784},{"href":1970,"rel":3783},[273],[3785],{"type":69,"value":1974},{"type":69,"value":239},{"type":60,"tag":771,"props":3788,"children":3791},{"cta-label":3789,"href":659,"product":774,"subtitle":1978,"title":3790},"Déposer ma demande","En règle avant le 31 octobre 2026",[],{"type":60,"tag":779,"props":3793,"children":3794},{},[],{"type":60,"tag":61,"props":3796,"children":3797},{},[3798],{"type":60,"tag":65,"props":3799,"children":3800},{},[3801],{"type":69,"value":3802},"Cet article a été rédigé à des fins d'information générale. Il ne constitue pas un conseil juridique. La date du 31 octobre 2026 correspond à la date limite de dépôt de garantie publiée par l'Urssaf à la date de rédaction ; les éléments réglementaires (décret n°2024-1161, articles L.133-8-5 et D133-22 du Code de la sécurité sociale) sont susceptibles d'évoluer. Les tarifs indiqués sont ceux de la grille Tutassûr du 25 septembre 2026, indicatifs, hors fractionnement et définitifs après étude du dossier. Vérifiez les sources officielles Légifrance et Urssaf pour votre situation précise.",{"title":7,"searchDepth":791,"depth":791,"links":3804},[3805,3806,3807,3819,3820,3821,3822,3823,3824,3825,3826],{"id":142,"depth":794,"text":145},{"id":2188,"depth":794,"text":2191},{"id":2232,"depth":794,"text":2235,"children":3808},[3809,3810,3811,3812,3813,3814,3815,3816,3817,3818],{"id":2499,"depth":791,"text":2502},{"id":2586,"depth":791,"text":2589},{"id":2649,"depth":791,"text":2652},{"id":2710,"depth":791,"text":2713},{"id":2762,"depth":791,"text":2765},{"id":2837,"depth":791,"text":2840},{"id":2908,"depth":791,"text":2911},{"id":3011,"depth":791,"text":3014},{"id":3065,"depth":791,"text":3068},{"id":3118,"depth":791,"text":3121},{"id":3183,"depth":794,"text":2041},{"id":3431,"depth":794,"text":3434},{"id":3520,"depth":794,"text":3523},{"id":3542,"depth":794,"text":3545},{"id":3598,"depth":794,"text":3601},{"id":3615,"depth":794,"text":3618},{"id":1861,"depth":794,"text":1864},{"id":729,"depth":794,"text":732},"content:blog:2026:garantie-financiere-sap-checklist-j-30-avant-31-octobre-2026.md","blog\u002F2026\u002Fgarantie-financiere-sap-checklist-j-30-avant-31-octobre-2026.md","blog\u002F2026\u002Fgarantie-financiere-sap-checklist-j-30-avant-31-octobre-2026",{"_path":3831,"_dir":5,"_draft":6,"_partial":6,"_locale":7,"title":3832,"description":3833,"slug":3834,"publishedAt":12,"updatedAt":12,"author":3835,"cover":3837,"categories":3840,"tags":3842,"readingTime":3849,"featured":6,"status":34,"seo":3850,"faq":3856,"body":3875,"_type":807,"_id":5475,"_source":809,"_file":5476,"_stem":5477,"_extension":812},"\u002Fblog\u002F2026\u002Factivites-difficiles-a-assurer-risques-specifiques-pro","Activités difficiles à assurer : 24 risques spécifiques, motifs et pièces pour le courtier","Activités difficiles à assurer : 24 risques spécifiques écartés par les assureurs, motif du refus, branche en cause et pièces qui rendent le dossier présentable.","activites-difficiles-a-assurer-risques-specifiques-pro",{"name":14,"slug":15,"role":3836},"Courtier grossiste en assurance",{"src":3838,"alt":3839,"width":22,"height":23},"\u002Fblog\u002Factivites-difficiles-a-assurer-risques-specifiques-pro\u002Fcover.svg","Activités difficiles à assurer — Tutassûr",[3841],"conseils-courtiers",[3843,3844,3845,3846,3847,3848],"activités difficiles à assurer","risques spécifiques","RC exploitation","RC produits","multirisque incendie","déclaration du risque",10,{"ogImage":3838,"metaKeywords":3851},[3843,3852,3853,3854,3855],"métiers difficiles à assurer","liste des activités exclues par les assureurs","risques spécifiques assurance professionnelle","RC produits importateur",[3857,3860,3863,3866,3869,3872],{"question":3858,"answer":3859},"Qu'est-ce qu'une activité difficile à assurer ?","C'est une activité professionnelle que les assureurs refusent, ou n'acceptent qu'après étude, à cause de la nature du risque et non du passé de l'entreprise : incendie intense, dommages corporels graves, RC produits en série, exposition à l'étranger ou sinistres fréquents. Une entreprise sans aucun sinistre peut donc essuyer un refus. Le dossier devient présentable quand des pièces prouvent la maîtrise concrète du risque.",{"question":3861,"answer":3862},"Quelles pièces rendent présentable une entreprise de sécurité privée ?","L'autorisation d'exercice de l'entreprise, l'agrément du dirigeant et les cartes professionnelles des agents, délivrés par le CNAPS ; la liste des sites et la nature des missions (gardiennage, surveillance, cynophile) ; les contrats clients qui précisent les responsabilités de chacun. L'article L. 612-5 du Code de la sécurité intérieure impose en outre de justifier d'une assurance de responsabilité professionnelle avant de démarrer.",{"question":3864,"answer":3865},"Pourquoi un importateur est-il assuré comme un fabricant ?","Parce que l'article 1245-5 du Code civil assimile au producteur toute personne qui, à titre professionnel, importe un produit dans l'Union européenne pour le distribuer, ou appose son nom ou sa marque sur le produit. La victime d'un produit défectueux peut donc agir contre l'importateur. L'assureur RC produits veut voir les certificats de conformité, les contrats fournisseurs et la traçabilité des lots.",{"question":3867,"answer":3868},"Quelle différence entre une exclusion de garantie et une exclusion d'activité ?","Une exclusion de garantie retire un événement ou un bien du contrat, par exemple les biens confiés : le reste de l'activité reste couvert, et le courtier signale cette limite au client. Une exclusion d'activité sort un métier entier du champ du contrat : aucun sinistre lié à ce métier n'est couvert, et il faut un autre contrat ou une extension écrite de l'assureur.",{"question":3870,"answer":3871},"Une activité exercée hors de France est-elle couverte par le contrat d'origine ?","Pas nécessairement : la territorialité est fixée par le contrat. Les ventes vers les États-Unis ou le Canada peuvent être exclues ou sous-limitées, tout comme les prestations réalisées sur place. Le courtier déclare le chiffre d'affaires par pays, la nature et la durée des missions, puis vérifie que l'extension territoriale figure par écrit aux conditions particulières.",{"question":3873,"answer":3874},"Pour quelles garanties présenter une activité difficile à assurer à Tutassûr ?","Tutassûr, courtier grossiste (ORIAS n° 22001730) et non assureur, propose en gamme professionnelle la RC Pro, la RC décennale, la multirisque professionnelle, la flotte, la protection juridique pro, les marchandises transportées et le dommage ouvrage ; la RC Pro et la multirisque ont une demande de devis en ligne. Une activité rare est étudiée sur dossier complet ; aucune n'est acceptée d'avance.",{"type":57,"children":3876,"toc":5463},[3877,3885,3896,3900,3973,3979,4038,4050,4055,4061,4066,4118,4130,4183,4189,4194,4823,4845,4851,4922,4928,4933,4986,5031,5043,5049,5140,5152,5158,5163,5257,5261,5325,5329,5337,5343],{"type":60,"tag":61,"props":3878,"children":3879},{},[3880],{"type":60,"tag":65,"props":3881,"children":3882},{},[3883],{"type":69,"value":3884},"Article rédigé le 26 septembre 2026 pour les courtiers de proximité qui cherchent où placer l'activité d'un client professionnel écartée par les assureurs. Textes cités dans leur version en vigueur à cette date, sur Légifrance.",{"type":60,"tag":61,"props":3886,"children":3887},{},[3888,3889,3894],{"type":69,"value":244},{"type":60,"tag":72,"props":3890,"children":3891},{},[3892],{"type":69,"value":3893},"activité difficile à assurer",{"type":69,"value":3895}," est une activité professionnelle que les assureurs refusent, ou n'acceptent qu'après étude, à cause de la nature du risque : incendie intense, dommages corporels graves, RC produits en série, exposition à l'étranger ou fréquence des sinistres. Le passé de l'entreprise n'y est pour rien ; les pièces prouvant la maîtrise du risque rendent le dossier présentable.",{"type":60,"tag":140,"props":3897,"children":3898},{"id":142},[3899],{"type":69,"value":145},{"type":60,"tag":147,"props":3901,"children":3902},{},[3903,3922,3956,3968],{"type":60,"tag":151,"props":3904,"children":3905},{},[3906,3908,3913,3915,3920],{"type":69,"value":3907},"Un refus lié à l'",{"type":60,"tag":72,"props":3909,"children":3910},{},[3911],{"type":69,"value":3912},"activité",{"type":69,"value":3914}," ne se traite pas comme un refus lié aux ",{"type":60,"tag":72,"props":3916,"children":3917},{},[3918],{"type":69,"value":3919},"antécédents",{"type":69,"value":3921}," : on ne justifie pas un passé, on démontre une maîtrise.",{"type":60,"tag":151,"props":3923,"children":3924},{},[3925,3927,3932,3933,3938,3939,3943,3944,3949,3950,3955],{"type":69,"value":3926},"Cinq motifs reviennent dans les refus : ",{"type":60,"tag":72,"props":3928,"children":3929},{},[3930],{"type":69,"value":3931},"intensité incendie",{"type":69,"value":192},{"type":60,"tag":72,"props":3934,"children":3935},{},[3936],{"type":69,"value":3937},"gravité corporelle",{"type":69,"value":192},{"type":60,"tag":72,"props":3940,"children":3941},{},[3942],{"type":69,"value":3846},{"type":69,"value":192},{"type":60,"tag":72,"props":3945,"children":3946},{},[3947],{"type":69,"value":3948},"exposition à l'étranger",{"type":69,"value":192},{"type":60,"tag":72,"props":3951,"children":3952},{},[3953],{"type":69,"value":3954},"fréquence",{"type":69,"value":239},{"type":60,"tag":151,"props":3957,"children":3958},{},[3959,3961,3966],{"type":69,"value":3960},"Le ",{"type":60,"tag":72,"props":3962,"children":3963},{},[3964],{"type":69,"value":3965},"Bureau central de tarification (BCT)",{"type":69,"value":3967}," compte cinq formations, qui couvrent six régimes : la plupart des activités de ce catalogue n'y ont pas accès, même quand leur assurance est obligatoire ; la RC circulation des quads fait exception.",{"type":60,"tag":151,"props":3969,"children":3970},{},[3971],{"type":69,"value":3972},"Le libellé retenu par l'assureur doit correspondre à l'activité réelle, geste compris (articles L. 113-2, L. 113-8 et L. 113-9 du Code des assurances).",{"type":60,"tag":140,"props":3974,"children":3976},{"id":3975},"risque-spécifique-aggravé-ou-complexe-de-quoi-parle-t-on",[3977],{"type":69,"value":3978},"Risque spécifique, aggravé ou complexe : de quoi parle-t-on ?",{"type":60,"tag":147,"props":3980,"children":3981},{},[3982,3999,4022],{"type":60,"tag":151,"props":3983,"children":3984},{},[3985,3990,3992,3997],{"type":60,"tag":72,"props":3986,"children":3987},{},[3988],{"type":69,"value":3989},"Risque spécifique",{"type":69,"value":3991}," : la difficulté tient à la ",{"type":60,"tag":72,"props":3993,"children":3994},{},[3995],{"type":69,"value":3996},"nature de l'activité",{"type":69,"value":3998},". Une entreprise de gardiennage créée hier, sans aucun sinistre, reste difficile à placer. C'est l'objet de cet article.",{"type":60,"tag":151,"props":4000,"children":4001},{},[4002,4007,4009,4013,4015,4021],{"type":60,"tag":72,"props":4003,"children":4004},{},[4005],{"type":69,"value":4006},"Risque aggravé",{"type":69,"value":4008}," : la difficulté tient aux ",{"type":60,"tag":72,"props":4010,"children":4011},{},[4012],{"type":69,"value":3919},{"type":69,"value":4014}," de l'assuré (résiliation, sinistralité, malus), détaillés dans ",{"type":60,"tag":269,"props":4016,"children":4018},{"href":4017},"\u002Fblog\u002Frisques-aggraves-par-branche-assurance-profils",[4019],{"type":69,"value":4020},"les risques aggravés par branche d'assurance",{"type":69,"value":239},{"type":60,"tag":151,"props":4023,"children":4024},{},[4025,4030,4031,4036],{"type":60,"tag":72,"props":4026,"children":4027},{},[4028],{"type":69,"value":4029},"Risque complexe",{"type":69,"value":3991},{"type":60,"tag":72,"props":4032,"children":4033},{},[4034],{"type":69,"value":4035},"configuration",{"type":69,"value":4037}," du dossier (activité rare, montant élevé, historique particulier), qui sort des grilles standard.",{"type":60,"tag":61,"props":4039,"children":4040},{},[4041,4043,4049],{"type":69,"value":4042},"Dans le vocabulaire de Tutassûr, une activité rare relève des risques complexes : cet article en dresse le catalogue par activité, la procédure d'étude est décrite dans ",{"type":60,"tag":269,"props":4044,"children":4046},{"href":4045},"\u002Fblog\u002Frisque-complexe-assurance-comment-tutassur-etudie",[4047],{"type":69,"value":4048},"risque complexe en assurance",{"type":69,"value":239},{"type":60,"tag":61,"props":4051,"children":4052},{},[4053],{"type":69,"value":4054},"Un client peut cumuler : un recycleur résilié après un incendie est spécifique et aggravé. Traitez d'abord l'activité, puis l'historique.",{"type":60,"tag":140,"props":4056,"children":4058},{"id":4057},"pourquoi-les-assureurs-écartent-ils-certaines-activités",[4059],{"type":69,"value":4060},"Pourquoi les assureurs écartent-ils certaines activités ?",{"type":60,"tag":61,"props":4062,"children":4063},{},[4064],{"type":69,"value":4065},"Le refus d'une activité ne juge pas le client : il tient aux caractéristiques du risque, qui se ramènent à cinq motifs :",{"type":60,"tag":147,"props":4067,"children":4068},{},[4069,4079,4089,4098,4108],{"type":60,"tag":151,"props":4070,"children":4071},{},[4072,4077],{"type":60,"tag":72,"props":4073,"children":4074},{},[4075],{"type":69,"value":4076},"Intensité incendie",{"type":69,"value":4078}," : charge combustible, poussières, produits inflammables, batteries. Un seul sinistre peut détruire le site et arrêter l'activité.",{"type":60,"tag":151,"props":4080,"children":4081},{},[4082,4087],{"type":60,"tag":72,"props":4083,"children":4084},{},[4085],{"type":69,"value":4086},"Gravité corporelle",{"type":69,"value":4088}," : clients, pratiquants ou public exposés à des blessures graves, dont le règlement s'étale sur des années.",{"type":60,"tag":151,"props":4090,"children":4091},{},[4092,4096],{"type":60,"tag":72,"props":4093,"children":4094},{},[4095],{"type":69,"value":3846},{"type":69,"value":4097}," : un défaut touche tout un lot ; le sinistre est sériel, souvent assorti de frais de retrait.",{"type":60,"tag":151,"props":4099,"children":4100},{},[4101,4106],{"type":60,"tag":72,"props":4102,"children":4103},{},[4104],{"type":69,"value":4105},"Exposition à l'étranger",{"type":69,"value":4107}," : ventes ou prestations soumises à d'autres juridictions et à d'autres règles d'indemnisation.",{"type":60,"tag":151,"props":4109,"children":4110},{},[4111,4116],{"type":60,"tag":72,"props":4112,"children":4113},{},[4114],{"type":69,"value":4115},"Fréquence",{"type":69,"value":4117}," : des sinistres modestes mais nombreux (casse, vol, biens confiés) qui dégradent le rapport entre sinistres et primes.",{"type":60,"tag":61,"props":4119,"children":4120},{},[4121,4123,4128],{"type":69,"value":4122},"S'y ajoute un motif technique : hors de la ",{"type":60,"tag":72,"props":4124,"children":4125},{},[4126],{"type":69,"value":4127},"liste d'activités tarifées",{"type":69,"value":4129}," d'un contrat standard, l'outil ne calcule aucun prix. C'est l'absence de grille, pas forcément un refus sur le fond.",{"type":60,"tag":61,"props":4131,"children":4132},{},[4133,4138,4140,4147,4149,4156,4158,4165,4167,4174,4176,4182],{"type":60,"tag":72,"props":4134,"children":4135},{},[4136],{"type":69,"value":4137},"Le BCT n'est pas une porte de sortie ici.",{"type":69,"value":4139}," Ses cinq formations (",{"type":60,"tag":269,"props":4141,"children":4144},{"href":4142,"rel":4143},"https:\u002F\u002Fwww.legifrance.gouv.fr\u002Fcodes\u002Fid\u002FLEGISCTA000006143142",[273],[4145],{"type":69,"value":4146},"article R. 250-1 du Code des assurances",{"type":69,"value":4148},"), qui couvrent six régimes, ne concernent ni la sécurité privée (",{"type":60,"tag":269,"props":4150,"children":4153},{"href":4151,"rel":4152},"https:\u002F\u002Fwww.legifrance.gouv.fr\u002Fcodes\u002Farticle_lc\u002FLEGIARTI000025506199",[273],[4154],{"type":69,"value":4155},"article L. 612-5 du Code de la sécurité intérieure",{"type":69,"value":4157},") ni les établissements sportifs (",{"type":60,"tag":269,"props":4159,"children":4162},{"href":4160,"rel":4161},"https:\u002F\u002Fwww.legifrance.gouv.fr\u002Fcodes\u002Farticle_lc\u002FLEGIARTI000006547692",[273],[4163],{"type":69,"value":4164},"article L. 321-7 du Code du sport",{"type":69,"value":4166},"), dont l'assurance est pourtant obligatoire ; seuls les engins terrestres à moteur du catalogue, comme les quads, relèvent de sa formation véhicules terrestres à moteur (",{"type":60,"tag":269,"props":4168,"children":4171},{"href":4169,"rel":4170},"https:\u002F\u002Fwww.legifrance.gouv.fr\u002Fcodes\u002Farticle_lc\u002FLEGIARTI000031008580",[273],[4172],{"type":69,"value":4173},"article L. 212-1 du Code des assurances",{"type":69,"value":4175},"). Les recours sont décrits dans ",{"type":60,"tag":269,"props":4177,"children":4179},{"href":4178},"\u002Fblog\u002Frisque-refuse-par-tous-les-assureurs-recours-courtier#quelles-assurances-obligatoires-ouvrent-lacc%C3%A8s-au-bct-",[4180],{"type":69,"value":4181},"les assurances obligatoires qui ouvrent l'accès au BCT",{"type":69,"value":239},{"type":60,"tag":140,"props":4184,"children":4186},{"id":4185},"le-catalogue-24-activités-difficiles-à-assurer-motif-branche-et-pièces",[4187],{"type":69,"value":4188},"Le catalogue : 24 activités difficiles à assurer, motif, branche et pièces",{"type":60,"tag":61,"props":4190,"children":4191},{},[4192],{"type":69,"value":4193},"Hors BTP. Les métiers qui ont une page dédiée n'y figurent que pour leur variante la plus risquée, avec un renvoi. Les pièces ne garantissent aucune acceptation : elles répondent au motif de refus.",{"type":60,"tag":1084,"props":4195,"children":4196},{},[4197,4223],{"type":60,"tag":1088,"props":4198,"children":4199},{},[4200],{"type":60,"tag":1092,"props":4201,"children":4202},{},[4203,4208,4213,4218],{"type":60,"tag":1096,"props":4204,"children":4205},{},[4206],{"type":69,"value":4207},"Activité",{"type":60,"tag":1096,"props":4209,"children":4210},{},[4211],{"type":69,"value":4212},"Motif de refus",{"type":60,"tag":1096,"props":4214,"children":4215},{},[4216],{"type":69,"value":4217},"Branche concernée",{"type":60,"tag":1096,"props":4219,"children":4220},{},[4221],{"type":69,"value":4222},"Pièces qui rassurent",{"type":60,"tag":1112,"props":4224,"children":4225},{},[4226,4249,4290,4313,4336,4367,4389,4411,4439,4477,4500,4523,4546,4569,4592,4614,4642,4665,4687,4710,4733,4755,4778,4801],{"type":60,"tag":1092,"props":4227,"children":4228},{},[4229,4234,4239,4244],{"type":60,"tag":1119,"props":4230,"children":4231},{},[4232],{"type":69,"value":4233},"Discothèques, bars de nuit, clubs",{"type":60,"tag":1119,"props":4235,"children":4236},{},[4237],{"type":69,"value":4238},"Gravité corporelle, intensité incendie",{"type":60,"tag":1119,"props":4240,"children":4241},{},[4242],{"type":69,"value":4243},"RC exploitation, multirisque incendie",{"type":60,"tag":1119,"props":4245,"children":4246},{},[4247],{"type":69,"value":4248},"Procès-verbal de la commission de sécurité, registre de sécurité, contrat de sécurité, capacité d'accueil",{"type":60,"tag":1092,"props":4250,"children":4251},{},[4252,4257,4262,4267],{"type":60,"tag":1119,"props":4253,"children":4254},{},[4255],{"type":69,"value":4256},"Sécurité privée : gardiennage, surveillance, cynophile",{"type":60,"tag":1119,"props":4258,"children":4259},{},[4260],{"type":69,"value":4261},"Gravité corporelle, dommages sur sites clients",{"type":60,"tag":1119,"props":4263,"children":4264},{},[4265],{"type":69,"value":4266},"RC professionnelle (obligatoire), RC exploitation",{"type":60,"tag":1119,"props":4268,"children":4269},{},[4270,4272,4279,4281,4288],{"type":69,"value":4271},"Autorisation d'exercice (",{"type":60,"tag":269,"props":4273,"children":4276},{"href":4274,"rel":4275},"https:\u002F\u002Fwww.legifrance.gouv.fr\u002Fcodes\u002Farticle_lc\u002FLEGIARTI000025506213",[273],[4277],{"type":69,"value":4278},"article L. 612-9 du Code de la sécurité intérieure",{"type":69,"value":4280},"), agrément du dirigeant et cartes professionnelles des agents délivrés par le ",{"type":60,"tag":269,"props":4282,"children":4285},{"href":4283,"rel":4284},"https:\u002F\u002Fwww.cnaps.interieur.gouv.fr\u002F",[273],[4286],{"type":69,"value":4287},"CNAPS",{"type":69,"value":4289},", liste des sites, contrats clients",{"type":60,"tag":1092,"props":4291,"children":4292},{},[4293,4298,4303,4308],{"type":60,"tag":1119,"props":4294,"children":4295},{},[4296],{"type":69,"value":4297},"Déménagement et garde-meubles",{"type":60,"tag":1119,"props":4299,"children":4300},{},[4301],{"type":69,"value":4302},"Fréquence, biens confiés",{"type":60,"tag":1119,"props":4304,"children":4305},{},[4306],{"type":69,"value":4307},"RC contractuelle, marchandises transportées",{"type":60,"tag":1119,"props":4309,"children":4310},{},[4311],{"type":69,"value":4312},"Inscription au registre des transporteurs si requise, lettres de voiture avec déclaration de valeur",{"type":60,"tag":1092,"props":4314,"children":4315},{},[4316,4321,4326,4331],{"type":60,"tag":1119,"props":4317,"children":4318},{},[4319],{"type":69,"value":4320},"Drones : prise de vue, inspection",{"type":60,"tag":1119,"props":4322,"children":4323},{},[4324],{"type":69,"value":4325},"Gravité corporelle et matérielle en cas de chute",{"type":60,"tag":1119,"props":4327,"children":4328},{},[4329],{"type":69,"value":4330},"RC aéronef, dommages à l'appareil",{"type":60,"tag":1119,"props":4332,"children":4333},{},[4334],{"type":69,"value":4335},"Enregistrement sur AlphaTango, déclaration ou autorisation DSAC, certificats des télépilotes, manuel d'exploitation (MANEX)",{"type":60,"tag":1092,"props":4337,"children":4338},{},[4339,4344,4348,4353],{"type":60,"tag":1119,"props":4340,"children":4341},{},[4342],{"type":69,"value":4343},"Encadrement de sports à risque : escalade, canyoning, parapente, plongée",{"type":60,"tag":1119,"props":4345,"children":4346},{},[4347],{"type":69,"value":4086},{"type":60,"tag":1119,"props":4349,"children":4350},{},[4351],{"type":69,"value":4352},"RC de l'exploitant (obligatoire pour un établissement sportif), individuelle accident",{"type":60,"tag":1119,"props":4354,"children":4355},{},[4356,4358,4365],{"type":69,"value":4357},"Diplômes des encadrants, protocoles répondant aux garanties d'hygiène et de sécurité exigées par l'",{"type":60,"tag":269,"props":4359,"children":4362},{"href":4360,"rel":4361},"https:\u002F\u002Fwww.legifrance.gouv.fr\u002Fcodes\u002Farticle_lc\u002FLEGIARTI000006547696",[273],[4363],{"type":69,"value":4364},"article L. 322-2 du Code du sport",{"type":69,"value":4366},", taux d'encadrement, contrôle des équipements",{"type":60,"tag":1092,"props":4368,"children":4369},{},[4370,4375,4380,4384],{"type":60,"tag":1119,"props":4371,"children":4372},{},[4373],{"type":69,"value":4374},"Accrobranche, trampoline, structures gonflables",{"type":60,"tag":1119,"props":4376,"children":4377},{},[4378],{"type":69,"value":4379},"Gravité corporelle, fréquence",{"type":60,"tag":1119,"props":4381,"children":4382},{},[4383],{"type":69,"value":3845},{"type":60,"tag":1119,"props":4385,"children":4386},{},[4387],{"type":69,"value":4388},"Conformité aux normes NF EN 15567 (parcours acrobatiques) ou NF EN 14960 (jeux gonflables), rapports de contrôle périodique, formation des opérateurs",{"type":60,"tag":1092,"props":4390,"children":4391},{},[4392,4397,4401,4406],{"type":60,"tag":1119,"props":4393,"children":4394},{},[4395],{"type":69,"value":4396},"Location de quads, jet-skis, bateaux",{"type":60,"tag":1119,"props":4398,"children":4399},{},[4400],{"type":69,"value":4379},{"type":60,"tag":1119,"props":4402,"children":4403},{},[4404],{"type":69,"value":4405},"RC circulation pour les quads (assurance obligatoire des véhicules terrestres à moteur, BCT compétent), RC du loueur, dommages aux engins",{"type":60,"tag":1119,"props":4407,"children":4408},{},[4409],{"type":69,"value":4410},"Vérification des permis des clients, briefing signé, carnets d'entretien, zones d'évolution balisées",{"type":60,"tag":1092,"props":4412,"children":4413},{},[4414,4419,4423,4428],{"type":60,"tag":1119,"props":4415,"children":4416},{},[4417],{"type":69,"value":4418},"Événementiel à risque : pyrotechnie, sports mécaniques",{"type":60,"tag":1119,"props":4420,"children":4421},{},[4422],{"type":69,"value":4238},{"type":60,"tag":1119,"props":4424,"children":4425},{},[4426],{"type":69,"value":4427},"RC organisateur, annulation",{"type":60,"tag":1119,"props":4429,"children":4430},{},[4431,4433],{"type":69,"value":4432},"Qualifications des artificiers, dossier de sécurité, contrats des prestataires ; voir ",{"type":60,"tag":269,"props":4434,"children":4436},{"href":4435},"\u002Fblog\u002Fassurance-evenementiel-rc-organisateur",[4437],{"type":69,"value":4438},"l'assurance événementiel et la RC organisateur",{"type":60,"tag":1092,"props":4440,"children":4441},{},[4442,4447,4452,4457],{"type":60,"tag":1119,"props":4443,"children":4444},{},[4445],{"type":69,"value":4446},"Tatouage, piercing, maquillage permanent",{"type":60,"tag":1119,"props":4448,"children":4449},{},[4450],{"type":69,"value":4451},"Gravité corporelle (infection, allergie)",{"type":60,"tag":1119,"props":4453,"children":4454},{},[4455],{"type":69,"value":4456},"RC professionnelle",{"type":60,"tag":1119,"props":4458,"children":4459},{},[4460,4462,4469,4471],{"type":69,"value":4461},"Déclaration à l'ARS et formation hygiène et salubrité (",{"type":60,"tag":269,"props":4463,"children":4466},{"href":4464,"rel":4465},"https:\u002F\u002Fwww.legifrance.gouv.fr\u002Fcodes\u002Fsection_lc\u002FLEGITEXT000006072665\u002FLEGISCTA000018150108\u002F",[273],[4467],{"type":69,"value":4468},"articles R. 1311-2 et R. 1311-3 du Code de la santé publique",{"type":69,"value":4470},"), stérilisation ou usage unique, traçabilité des encres ; voir ",{"type":60,"tag":269,"props":4472,"children":4474},{"href":4473},"\u002Fblog\u002Fassurance-coiffure-esthetique",[4475],{"type":69,"value":4476},"l'assurance coiffure et esthétique",{"type":60,"tag":1092,"props":4478,"children":4479},{},[4480,4485,4490,4495],{"type":60,"tag":1119,"props":4481,"children":4482},{},[4483],{"type":69,"value":4484},"Collecte, tri et recyclage de déchets",{"type":60,"tag":1119,"props":4486,"children":4487},{},[4488],{"type":69,"value":4489},"Intensité incendie, atteintes à l'environnement",{"type":60,"tag":1119,"props":4491,"children":4492},{},[4493],{"type":69,"value":4494},"Multirisque incendie, RC environnement",{"type":60,"tag":1119,"props":4496,"children":4497},{},[4498],{"type":69,"value":4499},"Statut ICPE, plan de défense incendie, îlotage des stocks, détection",{"type":60,"tag":1092,"props":4501,"children":4502},{},[4503,4508,4513,4518],{"type":60,"tag":1119,"props":4504,"children":4505},{},[4506],{"type":69,"value":4507},"Stockage de produits inflammables : solvants, gaz, peintures",{"type":60,"tag":1119,"props":4509,"children":4510},{},[4511],{"type":69,"value":4512},"Intensité incendie, explosion",{"type":60,"tag":1119,"props":4514,"children":4515},{},[4516],{"type":69,"value":4517},"Multirisque incendie, RC exploitation",{"type":60,"tag":1119,"props":4519,"children":4520},{},[4521],{"type":69,"value":4522},"Fiches de données de sécurité, statut ICPE, rétentions et armoires de sécurité, zonage ATEX",{"type":60,"tag":1092,"props":4524,"children":4525},{},[4526,4531,4536,4541],{"type":60,"tag":1119,"props":4527,"children":4528},{},[4529],{"type":69,"value":4530},"Travail du bois en atelier : scierie, menuiserie de fabrication",{"type":60,"tag":1119,"props":4532,"children":4533},{},[4534],{"type":69,"value":4535},"Intensité incendie (poussières, copeaux)",{"type":60,"tag":1119,"props":4537,"children":4538},{},[4539],{"type":69,"value":4540},"Multirisque incendie, perte d'exploitation",{"type":60,"tag":1119,"props":4542,"children":4543},{},[4544],{"type":69,"value":4545},"Aspiration avec silo extérieur, nettoyage consigné, permis de feu, vérification électrique (Q18) et thermographie (Q19)",{"type":60,"tag":1092,"props":4547,"children":4548},{},[4549,4554,4559,4564],{"type":60,"tag":1119,"props":4550,"children":4551},{},[4552],{"type":69,"value":4553},"Entrepôts pour compte de tiers",{"type":60,"tag":1119,"props":4555,"children":4556},{},[4557],{"type":69,"value":4558},"Intensité incendie, cumul de valeurs",{"type":60,"tag":1119,"props":4560,"children":4561},{},[4562],{"type":69,"value":4563},"Multirisque incendie, RC dépositaire",{"type":60,"tag":1119,"props":4565,"children":4566},{},[4567],{"type":69,"value":4568},"Sprinklage (règle APSAD R1) ou détection (R7), compartimentage, contrats de dépôt avec limite de responsabilité",{"type":60,"tag":1092,"props":4570,"children":4571},{},[4572,4577,4582,4587],{"type":60,"tag":1119,"props":4573,"children":4574},{},[4575],{"type":69,"value":4576},"Réparation et vente de trottinettes et vélos électriques",{"type":60,"tag":1119,"props":4578,"children":4579},{},[4580],{"type":69,"value":4581},"Intensité incendie (batteries lithium), RC produits",{"type":60,"tag":1119,"props":4583,"children":4584},{},[4585],{"type":69,"value":4586},"Multirisque incendie, RC après travaux",{"type":60,"tag":1119,"props":4588,"children":4589},{},[4590],{"type":69,"value":4591},"Zone de charge isolée, armoires anti-feu, procédure pour batteries endommagées, pièces tracées",{"type":60,"tag":1092,"props":4593,"children":4594},{},[4595,4600,4604,4609],{"type":60,"tag":1119,"props":4596,"children":4597},{},[4598],{"type":69,"value":4599},"Import de produits fabriqués hors Union européenne",{"type":60,"tag":1119,"props":4601,"children":4602},{},[4603],{"type":69,"value":3846},{"type":60,"tag":1119,"props":4605,"children":4606},{},[4607],{"type":69,"value":4608},"RC produits, frais de retrait",{"type":60,"tag":1119,"props":4610,"children":4611},{},[4612],{"type":69,"value":4613},"Certificats de conformité, rapports d'essais, attestation d'assurance du fabricant, traçabilité par lot",{"type":60,"tag":1092,"props":4615,"children":4616},{},[4617,4622,4627,4631],{"type":60,"tag":1119,"props":4618,"children":4619},{},[4620],{"type":69,"value":4621},"Marque propre : cosmétiques, compléments alimentaires",{"type":60,"tag":1119,"props":4623,"children":4624},{},[4625],{"type":69,"value":4626},"Risque sériel (RC produits), gravité corporelle",{"type":60,"tag":1119,"props":4628,"children":4629},{},[4630],{"type":69,"value":4608},{"type":60,"tag":1119,"props":4632,"children":4633},{},[4634,4636],{"type":69,"value":4635},"Dossier d'information produit, analyses de lots, contrat avec le fabricant sous-traitant, procédure de rappel ; voir ",{"type":60,"tag":269,"props":4637,"children":4639},{"href":4638},"\u002Fblog\u002Fassurance-e-commerce-vente-distance",[4640],{"type":69,"value":4641},"l'assurance e-commerce",{"type":60,"tag":1092,"props":4643,"children":4644},{},[4645,4650,4655,4660],{"type":60,"tag":1119,"props":4646,"children":4647},{},[4648],{"type":69,"value":4649},"Sous-traitance de pièces critiques : aéronautique, automobile, médical",{"type":60,"tag":1119,"props":4651,"children":4652},{},[4653],{"type":69,"value":4654},"Risque sériel (RC produits), frais de dépose et repose",{"type":60,"tag":1119,"props":4656,"children":4657},{},[4658],{"type":69,"value":4659},"RC produits, RC après livraison",{"type":60,"tag":1119,"props":4661,"children":4662},{},[4663],{"type":69,"value":4664},"Certifications EN 9100, IATF 16949 ou ISO 13485, contrats cadres plafonnés, plan de contrôle qualité",{"type":60,"tag":1092,"props":4666,"children":4667},{},[4668,4673,4677,4682],{"type":60,"tag":1119,"props":4669,"children":4670},{},[4671],{"type":69,"value":4672},"Ventes vers les États-Unis et le Canada",{"type":60,"tag":1119,"props":4674,"children":4675},{},[4676],{"type":69,"value":4105},{"type":60,"tag":1119,"props":4678,"children":4679},{},[4680],{"type":69,"value":4681},"RC produits avec extension territoriale",{"type":60,"tag":1119,"props":4683,"children":4684},{},[4685],{"type":69,"value":4686},"Chiffre d'affaires par pays, distributeurs locaux et leurs assurances",{"type":60,"tag":1092,"props":4688,"children":4689},{},[4690,4695,4700,4705],{"type":60,"tag":1119,"props":4691,"children":4692},{},[4693],{"type":69,"value":4694},"Prestations réalisées à l'étranger",{"type":60,"tag":1119,"props":4696,"children":4697},{},[4698],{"type":69,"value":4699},"Exposition à l'étranger, gravité",{"type":60,"tag":1119,"props":4701,"children":4702},{},[4703],{"type":69,"value":4704},"RC exploitation avec extension territoriale",{"type":60,"tag":1119,"props":4706,"children":4707},{},[4708],{"type":69,"value":4709},"Pays, durée et nature des missions, contrats précisant le droit applicable",{"type":60,"tag":1092,"props":4711,"children":4712},{},[4713,4718,4723,4728],{"type":60,"tag":1119,"props":4714,"children":4715},{},[4716],{"type":69,"value":4717},"Location de matériel et d'engins",{"type":60,"tag":1119,"props":4719,"children":4720},{},[4721],{"type":69,"value":4722},"Fréquence (casse, vol), gravité corporelle",{"type":60,"tag":1119,"props":4724,"children":4725},{},[4726],{"type":69,"value":4727},"RC exploitation, bris de machine, vol",{"type":60,"tag":1119,"props":4729,"children":4730},{},[4731],{"type":69,"value":4732},"Vérifications générales périodiques, CACES des opérateurs, contrats précisant la garde du matériel",{"type":60,"tag":1092,"props":4734,"children":4735},{},[4736,4741,4746,4750],{"type":60,"tag":1119,"props":4737,"children":4738},{},[4739],{"type":69,"value":4740},"Élagage et abattage d'arbres",{"type":60,"tag":1119,"props":4742,"children":4743},{},[4744],{"type":69,"value":4745},"Gravité corporelle et matérielle",{"type":60,"tag":1119,"props":4747,"children":4748},{},[4749],{"type":69,"value":3845},{"type":60,"tag":1119,"props":4751,"children":4752},{},[4753],{"type":69,"value":4754},"Certificat de spécialisation arboriste-élagueur, plan de prévention par chantier, procédures près des réseaux",{"type":60,"tag":1092,"props":4756,"children":4757},{},[4758,4763,4768,4773],{"type":60,"tag":1119,"props":4759,"children":4760},{},[4761],{"type":69,"value":4762},"Dératisation, désinsectisation, désinfection",{"type":60,"tag":1119,"props":4764,"children":4765},{},[4766],{"type":69,"value":4767},"Gravité corporelle, atteintes à l'environnement",{"type":60,"tag":1119,"props":4769,"children":4770},{},[4771],{"type":69,"value":4772},"RC exploitation, RC environnement",{"type":60,"tag":1119,"props":4774,"children":4775},{},[4776],{"type":69,"value":4777},"Certificats Certibiocide des applicateurs, registre des interventions, information des occupants",{"type":60,"tag":1092,"props":4779,"children":4780},{},[4781,4786,4791,4796],{"type":60,"tag":1119,"props":4782,"children":4783},{},[4784],{"type":69,"value":4785},"Pension d'animaux, élevage, centres équestres",{"type":60,"tag":1119,"props":4787,"children":4788},{},[4789],{"type":69,"value":4790},"Gravité corporelle, animaux confiés",{"type":60,"tag":1119,"props":4792,"children":4793},{},[4794],{"type":69,"value":4795},"RC exploitation, RC des animaux confiés",{"type":60,"tag":1119,"props":4797,"children":4798},{},[4799],{"type":69,"value":4800},"Certificats de compétence exigés, qualifications des encadrants, contrats de pension",{"type":60,"tag":1092,"props":4802,"children":4803},{},[4804,4809,4813,4818],{"type":60,"tag":1119,"props":4805,"children":4806},{},[4807],{"type":69,"value":4808},"Méthanisation et chaufferies biomasse",{"type":60,"tag":1119,"props":4810,"children":4811},{},[4812],{"type":69,"value":4512},{"type":60,"tag":1119,"props":4814,"children":4815},{},[4816],{"type":69,"value":4817},"Multirisque incendie, bris de machine, RC environnement",{"type":60,"tag":1119,"props":4819,"children":4820},{},[4821],{"type":69,"value":4822},"Statut ICPE, zonage ATEX, contrat de maintenance, détection gaz",{"type":60,"tag":61,"props":4824,"children":4825},{},[4826,4828,4835,4837,4844],{"type":69,"value":4827},"L'import et la marque propre se tarifent comme de la fabrication : l'",{"type":60,"tag":269,"props":4829,"children":4832},{"href":4830,"rel":4831},"https:\u002F\u002Fwww.legifrance.gouv.fr\u002Fcodes\u002Farticle_lc\u002FLEGIARTI000032023637",[273],[4833],{"type":69,"value":4834},"article 1245-5 du Code civil",{"type":69,"value":4836}," assimile au producteur l'importateur dans l'Union européenne et celui qui appose sa marque sur le produit. Pour les drones, voir la ",{"type":60,"tag":269,"props":4838,"children":4841},{"href":4839,"rel":4840},"https:\u002F\u002Fwww.ecologie.gouv.fr\u002Fpolitiques-publiques\u002Fexploitation-drones-categorie-specifique",[273],[4842],{"type":69,"value":4843},"page du ministère chargé des transports sur la catégorie spécifique",{"type":69,"value":239},{"type":60,"tag":140,"props":4846,"children":4848},{"id":4847},"btp-commerces-restauration-les-activités-traitées-ailleurs",[4849],{"type":69,"value":4850},"BTP, commerces, restauration : les activités traitées ailleurs",{"type":60,"tag":147,"props":4852,"children":4853},{},[4854,4871,4888,4906],{"type":60,"tag":151,"props":4855,"children":4856},{},[4857,4862,4864,4870],{"type":60,"tag":72,"props":4858,"children":4859},{},[4860],{"type":69,"value":4861},"Bâtiment",{"type":69,"value":4863}," : domotique, isolation par l'extérieur, piscines, photovoltaïque et ossature bois sont passés en revue dans la section ",{"type":60,"tag":269,"props":4865,"children":4867},{"href":4866},"\u002Fblog\u002Frc-decennale-dossier-refuse-comment-construire#activit%C3%A9s-sp%C3%A9cifiques-sensibles",[4868],{"type":69,"value":4869},"activités spécifiques sensibles du guide décennale",{"type":69,"value":239},{"type":60,"tag":151,"props":4872,"children":4873},{},[4874,4879,4881,4887],{"type":60,"tag":72,"props":4875,"children":4876},{},[4877],{"type":69,"value":4878},"Multirisque des TPE",{"type":69,"value":4880}," : restauration, boulangerie, garages, coiffure et professions médicales figurent dans la section ",{"type":60,"tag":269,"props":4882,"children":4884},{"href":4883},"\u002Fblog\u002Fmrp-tpe-guide-tarifer-multirisque-professionnelle#activit%C3%A9s-sensibles",[4885],{"type":69,"value":4886},"activités sensibles du guide de tarification MRP",{"type":69,"value":239},{"type":60,"tag":151,"props":4889,"children":4890},{},[4891,4896,4898,4904],{"type":60,"tag":72,"props":4892,"children":4893},{},[4894],{"type":69,"value":4895},"Restauration",{"type":69,"value":4897}," : cuisson, extraction et soirées privatisées relèvent de ",{"type":60,"tag":269,"props":4899,"children":4901},{"href":4900},"\u002Fblog\u002Fassurance-restaurant-mrp-rc-pro",[4902],{"type":69,"value":4903},"l'assurance restaurant, MRP et RC Pro",{"type":69,"value":4905}," ; seuls les établissements de nuit figurent au tableau.",{"type":60,"tag":151,"props":4907,"children":4908},{},[4909,4914,4916,4920],{"type":60,"tag":72,"props":4910,"children":4911},{},[4912],{"type":69,"value":4913},"Vente à distance",{"type":69,"value":4915}," : stock, transport et cyber d'une boutique en ligne sont traités dans ",{"type":60,"tag":269,"props":4917,"children":4918},{"href":4638},[4919],{"type":69,"value":4641},{"type":69,"value":4921}," ; l'import reste au tableau pour sa dimension RC produits.",{"type":60,"tag":140,"props":4923,"children":4925},{"id":4924},"comment-rapprocher-lactivité-réelle-du-libellé-de-lassureur",[4926],{"type":69,"value":4927},"Comment rapprocher l'activité réelle du libellé de l'assureur ?",{"type":60,"tag":61,"props":4929,"children":4930},{},[4931],{"type":69,"value":4932},"Un devis établi sur un libellé voisin mais inexact ne couvre pas le client le jour du sinistre. Cinq étapes :",{"type":60,"tag":1013,"props":4934,"children":4935},{},[4936,4946,4956,4966,4976],{"type":60,"tag":151,"props":4937,"children":4938},{},[4939,4944],{"type":60,"tag":72,"props":4940,"children":4941},{},[4942],{"type":69,"value":4943},"Décrire l'activité par ses gestes et ses objets.",{"type":69,"value":4945}," Fabriquer, réparer, installer, vendre, stocker, encadrer : chaque geste porte un risque différent. « Vente de trottinettes » et « réparation de trottinettes » n'engagent pas la même responsabilité. Le code NAF décrit l'immatriculation, pas le métier.",{"type":60,"tag":151,"props":4947,"children":4948},{},[4949,4954],{"type":60,"tag":72,"props":4950,"children":4951},{},[4952],{"type":69,"value":4953},"Exiger le même objet et un geste compatible.",{"type":69,"value":4955}," Écartez les rapprochements fondés sur un mot générique (« matériel », « services », « technique ») : ils relient souvent deux métiers étrangers. Un libellé qui exclut un geste, comme « vente sans fabrication », ne couvre pas une marque propre qui fait fabriquer.",{"type":60,"tag":151,"props":4957,"children":4958},{},[4959,4964],{"type":60,"tag":72,"props":4960,"children":4961},{},[4962],{"type":69,"value":4963},"Séparer exclusion de garantie et exclusion d'activité.",{"type":69,"value":4965}," L'exclusion des biens confiés limite la garantie et se signale au client ; une activité exclue impose de changer de contrat.",{"type":60,"tag":151,"props":4967,"children":4968},{},[4969,4974],{"type":60,"tag":72,"props":4970,"children":4971},{},[4972],{"type":69,"value":4973},"Déclarer les activités secondaires avec leur part de chiffre d'affaires.",{"type":69,"value":4975}," Une activité accessoire non déclarée (réparation chez un revendeur, stockage pour un tiers, ventes vers l'étranger) sort du champ.",{"type":60,"tag":151,"props":4977,"children":4978},{},[4979,4984],{"type":60,"tag":72,"props":4980,"children":4981},{},[4982],{"type":69,"value":4983},"Contrôler le libellé réellement retenu",{"type":69,"value":4985}," sur les conditions particulières et l'attestation, pas celui que vous avez proposé, et garder la trace de ce contrôle.",{"type":60,"tag":61,"props":4987,"children":4988},{},[4989,4991,4998,4999,5006,5007,5014,5016,5022,5024,5030],{"type":69,"value":4990},"L'activité déclarée engage le client : les articles ",{"type":60,"tag":269,"props":4992,"children":4995},{"href":4993,"rel":4994},"https:\u002F\u002Fwww.legifrance.gouv.fr\u002Fcodes\u002Farticle_lc\u002FLEGIARTI000035731302",[273],[4996],{"type":69,"value":4997},"L. 113-2",{"type":69,"value":192},{"type":60,"tag":269,"props":5000,"children":5003},{"href":5001,"rel":5002},"https:\u002F\u002Fwww.legifrance.gouv.fr\u002Fcodes\u002Farticle_lc\u002FLEGIARTI000006792058",[273],[5004],{"type":69,"value":5005},"L. 113-8",{"type":69,"value":2562},{"type":60,"tag":269,"props":5008,"children":5011},{"href":5009,"rel":5010},"https:\u002F\u002Fwww.legifrance.gouv.fr\u002Fcodes\u002Farticle_lc\u002FLEGIARTI000006792066",[273],[5012],{"type":69,"value":5013},"L. 113-9",{"type":69,"value":5015}," du Code des assurances encadrent la déclaration du risque et sanctionnent une déclaration inexacte, comme le détaille ",{"type":60,"tag":269,"props":5017,"children":5019},{"href":5018},"\u002Fblog\u002Frisques-aggraves-par-branche-assurance-profils#quelle-base-l%C3%A9gale-sapplique-%C3%A0-toutes-les-branches-",[5020],{"type":69,"value":5021},"le tableau des textes applicables à toutes les branches",{"type":69,"value":5023},". La description écrite de l'activité fait partie de la trace du ",{"type":60,"tag":269,"props":5025,"children":5027},{"href":5026},"\u002Fblog\u002Fdda-devoir-conseil-checklist-acpr",[5028],{"type":69,"value":5029},"devoir de conseil DDA",{"type":69,"value":239},{"type":60,"tag":61,"props":5032,"children":5033},{},[5034,5036,5042],{"type":69,"value":5035},"Quand l'activité frôle la grille d'un assureur mais en sort par un seul critère (surface, stock, part d'export), la voie la plus directe est souvent une ",{"type":60,"tag":269,"props":5037,"children":5039},{"href":5038},"\u002Fblog\u002Fderogation-souscription-assurance-garantie-tarifaire",[5040],{"type":69,"value":5041},"dérogation de souscription",{"type":69,"value":239},{"type":60,"tag":140,"props":5044,"children":5046},{"id":5045},"check-list-du-dossier-activité-spécifique",[5047],{"type":69,"value":5048},"Check-list du dossier « activité spécifique »",{"type":60,"tag":147,"props":5050,"children":5052},{"className":5051},[2506],[5053,5062,5071,5080,5089,5098,5107,5116,5125],{"type":60,"tag":151,"props":5054,"children":5056},{"className":5055},[2511],[5057,5060],{"type":60,"tag":2514,"props":5058,"children":5059},{"disabled":2516,"type":2517},[],{"type":69,"value":5061}," Description de l'activité par geste, avec la part de chiffre d'affaires de chacun",{"type":60,"tag":151,"props":5063,"children":5065},{"className":5064},[2511],[5066,5069],{"type":60,"tag":2514,"props":5067,"children":5068},{"disabled":2516,"type":2517},[],{"type":69,"value":5070}," Extrait Kbis récent et objet social",{"type":60,"tag":151,"props":5072,"children":5074},{"className":5073},[2511],[5075,5078],{"type":60,"tag":2514,"props":5076,"children":5077},{"disabled":2516,"type":2517},[],{"type":69,"value":5079}," Autorisations et déclarations propres à l'activité : CNAPS, ARS, AlphaTango, ICPE, commission de sécurité",{"type":60,"tag":151,"props":5081,"children":5083},{"className":5082},[2511],[5084,5087],{"type":60,"tag":2514,"props":5085,"children":5086},{"disabled":2516,"type":2517},[],{"type":69,"value":5088}," Qualifications du dirigeant et des opérateurs, avec leurs dates de validité",{"type":60,"tag":151,"props":5090,"children":5092},{"className":5091},[2511],[5093,5096],{"type":60,"tag":2514,"props":5094,"children":5095},{"disabled":2516,"type":2517},[],{"type":69,"value":5097}," Mesures de prévention : rapports de vérification, plans, photos, procédures",{"type":60,"tag":151,"props":5099,"children":5101},{"className":5100},[2511],[5102,5105],{"type":60,"tag":2514,"props":5103,"children":5104},{"disabled":2516,"type":2517},[],{"type":69,"value":5106}," Contrats clients, fournisseurs et sous-traitants, avec attestations d'assurance",{"type":60,"tag":151,"props":5108,"children":5110},{"className":5109},[2511],[5111,5114],{"type":60,"tag":2514,"props":5112,"children":5113},{"disabled":2516,"type":2517},[],{"type":69,"value":5115}," Chiffre d'affaires par zone si l'entreprise vend ou intervient hors de France",{"type":60,"tag":151,"props":5117,"children":5119},{"className":5118},[2511],[5120,5123],{"type":60,"tag":2514,"props":5121,"children":5122},{"disabled":2516,"type":2517},[],{"type":69,"value":5124}," Contrats en cours et relevés de sinistralité",{"type":60,"tag":151,"props":5126,"children":5128},{"className":5127},[2511],[5129,5132,5134],{"type":60,"tag":2514,"props":5130,"children":5131},{"disabled":2516,"type":2517},[],{"type":69,"value":5133}," Une note d'une page reliant chaque motif de refus aux pièces qui y répondent, sur le modèle de la ",{"type":60,"tag":269,"props":5135,"children":5137},{"href":5136},"\u002Fblog\u002Fnote-presentation-risque-souscripteur-modele-courtier",[5138],{"type":69,"value":5139},"note de présentation du risque",{"type":60,"tag":61,"props":5141,"children":5142},{},[5143,5145,5151],{"type":69,"value":5144},"Si la difficulté vient en réalité d'une résiliation antérieure, reportez-vous à ",{"type":60,"tag":269,"props":5146,"children":5148},{"href":5147},"\u002Fblog\u002Frc-pro-resiliee-client-professionnel-replacer",[5149],{"type":69,"value":5150},"la RC Pro résiliée d'un client professionnel",{"type":69,"value":239},{"type":60,"tag":140,"props":5153,"children":5155},{"id":5154},"placer-ce-risque-avec-tutassûr",[5156],{"type":69,"value":5157},"Placer ce risque avec Tutassûr",{"type":60,"tag":61,"props":5159,"children":5160},{},[5161],{"type":69,"value":5162},"Tutassûr est un courtier grossiste en assurance (ORIAS n° 22001730, sous le contrôle de l'ACPR), pas une compagnie : le risque est porté par des assureurs partenaires agréés par l'ACPR.",{"type":60,"tag":147,"props":5164,"children":5165},{},[5166,5176,5204,5214,5231],{"type":60,"tag":151,"props":5167,"children":5168},{},[5169,5174],{"type":60,"tag":72,"props":5170,"children":5171},{},[5172],{"type":69,"value":5173},"Deux voies selon le dossier.",{"type":69,"value":5175}," Les risques standards se tarifent directement dans l'extranet. Une activité rare, un montant élevé ou un historique particulier font du dossier un risque complexe, transmis à l'équipe de souscription, qui l'étudie au cas par cas à partir d'un dossier complet fourni par le courtier. Aucune activité de ce tableau n'est acceptée d'avance.",{"type":60,"tag":151,"props":5177,"children":5178},{},[5179,5184,5186,5193,5195,5202],{"type":60,"tag":72,"props":5180,"children":5181},{},[5182],{"type":69,"value":5183},"Demandes de devis en ligne pour les activités courantes",{"type":69,"value":5185}," : RC Pro sur ",{"type":60,"tag":269,"props":5187,"children":5190},{"href":5188,"rel":5189},"https:\u002F\u002Fparcours-rcpro.tutassur.fr",[273],[5191],{"type":69,"value":5192},"parcours-rcpro.tutassur.fr",{"type":69,"value":5194},", multirisque professionnelle sur ",{"type":60,"tag":269,"props":5196,"children":5199},{"href":5197,"rel":5198},"https:\u002F\u002Fparcours-mrp.tutassur.fr",[273],[5200],{"type":69,"value":5201},"parcours-mrp.tutassur.fr",{"type":69,"value":5203},". Une activité rare du tableau passe par l'équipe de souscription, sur dossier complet.",{"type":60,"tag":151,"props":5205,"children":5206},{},[5207,5212],{"type":60,"tag":72,"props":5208,"children":5209},{},[5210],{"type":69,"value":5211},"Sous votre propre code",{"type":69,"value":5213},", sans ouvrir de code auprès de chaque compagnie.",{"type":60,"tag":151,"props":5215,"children":5216},{},[5217,5222,5224,5230],{"type":60,"tag":72,"props":5218,"children":5219},{},[5220],{"type":69,"value":5221},"Sans exclusivité",{"type":69,"value":5223}," : vous restez libre de travailler avec d'autres grossistes ou compagnies et de choisir, dossier par dossier, où placer chaque risque. Pour organiser cet arbitrage, voir la ",{"type":60,"tag":269,"props":5225,"children":5227},{"href":5226},"\u002Fblog\u002Fcabinet-etabli-strategie-multi-grossistes-arbitrage-placement",[5228],{"type":69,"value":5229},"stratégie multi-grossistes d'un cabinet établi",{"type":69,"value":239},{"type":60,"tag":151,"props":5232,"children":5233},{},[5234,5239,5241,5248,5250,5256],{"type":60,"tag":72,"props":5235,"children":5236},{},[5237],{"type":69,"value":5238},"Ouverture de code en ligne",{"type":69,"value":5240}," sur ",{"type":60,"tag":269,"props":5242,"children":5245},{"href":5243,"rel":5244},"https:\u002F\u002Fparcours-odc.tutassur.fr",[273],[5246],{"type":69,"value":5247},"parcours-odc.tutassur.fr",{"type":69,"value":5249},", en quatre étapes : candidature, vérification des pièces (attestation ORIAS en catégorie courtier, extrait Kbis, attestation RC Pro), signature de la convention de partenariat, accès à l'extranet dès la signature. Aucun minimum de production n'est exigé pour démarrer. Détails sur la page ",{"type":60,"tag":269,"props":5251,"children":5253},{"href":5252},"\u002Fdevenir-partenaire",[5254],{"type":69,"value":5255},"devenir partenaire",{"type":69,"value":239},{"type":60,"tag":140,"props":5258,"children":5259},{"id":1861},[5260],{"type":69,"value":1864},{"type":60,"tag":147,"props":5262,"children":5263},{},[5264,5274,5285,5296,5306],{"type":60,"tag":151,"props":5265,"children":5266},{},[5267,5272],{"type":60,"tag":269,"props":5268,"children":5269},{"href":4045},[5270],{"type":69,"value":5271},"Risque complexe en assurance",{"type":69,"value":5273}," — quand un dossier sort des grilles.",{"type":60,"tag":151,"props":5275,"children":5276},{},[5277,5283],{"type":60,"tag":269,"props":5278,"children":5280},{"href":5279},"\u002Fblog\u002Frc-decennale-dossier-refuse-comment-construire",[5281],{"type":69,"value":5282},"RC décennale refusée : construire un dossier qui passe",{"type":69,"value":5284}," — les activités sensibles du BTP.",{"type":60,"tag":151,"props":5286,"children":5287},{},[5288,5294],{"type":60,"tag":269,"props":5289,"children":5291},{"href":5290},"\u002Fblog\u002Fmrp-tpe-guide-tarifer-multirisque-professionnelle",[5292],{"type":69,"value":5293},"Tarifer une multirisque professionnelle de TPE",{"type":69,"value":5295}," — facteurs de prix et pièges du devis.",{"type":60,"tag":151,"props":5297,"children":5298},{},[5299,5304],{"type":60,"tag":269,"props":5300,"children":5301},{"href":4017},[5302],{"type":69,"value":5303},"Risques aggravés par branche d'assurance",{"type":69,"value":5305}," — quand la difficulté vient des antécédents.",{"type":60,"tag":151,"props":5307,"children":5308},{},[5309,5310,5316,5318,5324],{"type":69,"value":104},{"type":60,"tag":269,"props":5311,"children":5313},{"href":5312},"\u002Fcourtiers\u002Ffaq",[5314],{"type":69,"value":5315},"FAQ courtiers",{"type":69,"value":5317}," et le ",{"type":60,"tag":269,"props":5319,"children":5321},{"href":5320},"\u002Fcourtiers\u002Fglossaire",[5322],{"type":69,"value":5323},"glossaire du courtage",{"type":69,"value":239},{"type":60,"tag":5326,"props":5327,"children":5328},"cta-partner",{},[],{"type":60,"tag":61,"props":5330,"children":5331},{},[5332],{"type":60,"tag":65,"props":5333,"children":5334},{},[5335],{"type":69,"value":5336},"Cet article a une visée d'information générale et ne constitue ni un conseil juridique ni un engagement de garantie. Chaque assureur reste seul juge de l'acceptation d'un risque ; vérifiez les textes applicables et les conditions du contrat proposé.",{"type":60,"tag":140,"props":5338,"children":5340},{"id":5339},"sources",[5341],{"type":69,"value":5342},"Sources",{"type":60,"tag":147,"props":5344,"children":5345},{},[5346,5384,5419,5439,5450],{"type":60,"tag":151,"props":5347,"children":5348},{},[5349,5351,5356,5357,5362,5363,5368,5369,5375,5376,5382],{"type":69,"value":5350},"Code des assurances, articles ",{"type":60,"tag":269,"props":5352,"children":5354},{"href":4993,"rel":5353},[273],[5355],{"type":69,"value":4997},{"type":69,"value":192},{"type":60,"tag":269,"props":5358,"children":5360},{"href":5001,"rel":5359},[273],[5361],{"type":69,"value":5005},{"type":69,"value":192},{"type":60,"tag":269,"props":5364,"children":5366},{"href":5009,"rel":5365},[273],[5367],{"type":69,"value":5013},{"type":69,"value":192},{"type":60,"tag":269,"props":5370,"children":5372},{"href":4169,"rel":5371},[273],[5373],{"type":69,"value":5374},"L. 212-1",{"type":69,"value":2562},{"type":60,"tag":269,"props":5377,"children":5379},{"href":4142,"rel":5378},[273],[5380],{"type":69,"value":5381},"R. 250-1 à R. 250-6",{"type":69,"value":5383}," (Bureau central de tarification) — Légifrance",{"type":60,"tag":151,"props":5385,"children":5386},{},[5387,5389,5395,5396,5402,5404,5410,5411,5417],{"type":69,"value":5388},"Code de la sécurité intérieure, articles ",{"type":60,"tag":269,"props":5390,"children":5392},{"href":4151,"rel":5391},[273],[5393],{"type":69,"value":5394},"L. 612-5",{"type":69,"value":2562},{"type":60,"tag":269,"props":5397,"children":5399},{"href":4274,"rel":5398},[273],[5400],{"type":69,"value":5401},"L. 612-9",{"type":69,"value":5403}," ; Code du sport, articles ",{"type":60,"tag":269,"props":5405,"children":5407},{"href":4160,"rel":5406},[273],[5408],{"type":69,"value":5409},"L. 321-7",{"type":69,"value":2562},{"type":60,"tag":269,"props":5412,"children":5414},{"href":4360,"rel":5413},[273],[5415],{"type":69,"value":5416},"L. 322-2",{"type":69,"value":5418}," — Légifrance",{"type":60,"tag":151,"props":5420,"children":5421},{},[5422,5424,5430,5432,5438],{"type":69,"value":5423},"Code de la santé publique, ",{"type":60,"tag":269,"props":5425,"children":5427},{"href":4464,"rel":5426},[273],[5428],{"type":69,"value":5429},"articles R. 1311-1 à R. 1311-5",{"type":69,"value":5431}," (tatouage et perçage) ; Code civil, ",{"type":60,"tag":269,"props":5433,"children":5435},{"href":4830,"rel":5434},[273],[5436],{"type":69,"value":5437},"article 1245-5",{"type":69,"value":5418},{"type":60,"tag":151,"props":5440,"children":5441},{},[5442,5444],{"type":69,"value":5443},"Conseil national des activités privées de sécurité (CNAPS), ",{"type":60,"tag":269,"props":5445,"children":5447},{"href":4283,"rel":5446},[273],[5448],{"type":69,"value":5449},"agrément des dirigeants et carte professionnelle",{"type":60,"tag":151,"props":5451,"children":5452},{},[5453,5455,5461],{"type":69,"value":5454},"Ministère chargé des transports, ",{"type":60,"tag":269,"props":5456,"children":5458},{"href":4839,"rel":5457},[273],[5459],{"type":69,"value":5460},"exploitation de drones en catégorie spécifique",{"type":69,"value":5462}," (page mise à jour le 13 juillet 2026)",{"title":7,"searchDepth":791,"depth":791,"links":5464},[5465,5466,5467,5468,5469,5470,5471,5472,5473,5474],{"id":142,"depth":794,"text":145},{"id":3975,"depth":794,"text":3978},{"id":4057,"depth":794,"text":4060},{"id":4185,"depth":794,"text":4188},{"id":4847,"depth":794,"text":4850},{"id":4924,"depth":794,"text":4927},{"id":5045,"depth":794,"text":5048},{"id":5154,"depth":794,"text":5157},{"id":1861,"depth":794,"text":1864},{"id":5339,"depth":794,"text":5342},"content:blog:2026:activites-difficiles-a-assurer-risques-specifiques-pro.md","blog\u002F2026\u002Factivites-difficiles-a-assurer-risques-specifiques-pro.md","blog\u002F2026\u002Factivites-difficiles-a-assurer-risques-specifiques-pro",1790440830505]