Maître Olivier MASSOL

Avocat au barreau du Tarn-Garonne

Avocat titulaire d'un certificat de spécialisation en Droit du crédit et de la consommation et Droit immobilier

Compétences : Droit immobilier, Droit du crédit et de la consommation, Droit des assurances, Responsabilité civile, Droit du dommage corporel, Droit du travail et social

Barreau : Tarn-et-Garonne

Adresse : 13 rue Henri Marre 82000 MONTAUBAN

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Publié le 18/05/2021

Indemnisation de la perte d'exploitation liée au covid

Article juridique - Droit immobilier

Par Me Olivier MASSOL

Indemnisation de la perte d'exploitation liée au covid

Depuis le premier confinement en mars 2020, de nombreuses entreprises subissent une perte d'exploitation.

Les assureurs sont réticents à accorder leur garantie en invoquant des clauses d'exclusion.

De nombreux arguments juridiques peuvent être opposés aux assureur pour obtenir une indemnité.

Parfois, les conditions générales ne sont pas signées et sont donc inopposables.

Les clauses peuvent être rédigées de manière ambiguë, ce qui doit bénéficier à l'assuré.

Les clauses d'exclusion doivent être rédigées de manière non équivoque et de façon très apparente, ce qui n'est pas toujours le cas.

Enfin, l'Autorité de Contrôle Prudentiel et de Résolution (ACPR) vient de rendre un avis pour rappeler à l'ordre les assureurs.

Cela devrait inciter les juridictions à rendre des décisions favorables aux entreprises comme vient de le juger le Tribunal de Commerce de Nice dans une décision du 13 janvier 2021.