{"id":1691,"date":"2023-06-26T13:19:21","date_gmt":"2023-06-26T11:19:21","guid":{"rendered":"https:\/\/idesramboer.be\/onze-expertise\/"},"modified":"2025-09-03T15:11:58","modified_gmt":"2025-09-03T13:11:58","slug":"onze-expertise","status":"publish","type":"page","link":"https:\/\/idesramboer.be\/fr\/onze-expertise\/","title":{"rendered":"Notre expertise"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling intro-row custom-row-width\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-content-wrap\" style=\"max-width:1456px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_2 1_2 fusion-flex-column intro-text-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-title-text fusion-title-size-one\"><div class=\"title-sep-container title-sep-container-left fusion-no-large-visibility fusion-no-medium-visibility fusion-no-small-visibility\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><span class=\"awb-title-spacer fusion-no-large-visibility fusion-no-medium-visibility fusion-no-small-visibility\"><\/span><h1 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:34;line-height:1.4;\">Experts dans<br \/>\nnotre domaine<\/h1><span class=\"awb-title-spacer\"><\/span><div class=\"title-sep-container title-sep-container-right\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><\/div><div class=\"fusion-text fusion-text-1\"><p>En tant que courtier d\u2019assurance, nous nous sp\u00e9cialisons dans la niche des assurances de responsabilit\u00e9 pour les professions lib\u00e9rales dans le secteur de la construction. Avec plus de 50 ans d\u2019exp\u00e9rience en mati\u00e8re de conseils techniques et juridiques pour les assurances de ces entrepreneurs, nous nous distinguons des autres courtiers d\u2019assurance.<\/p>\n<p>En concertation avec le client, nous faisons en sorte de proposer une offre appropri\u00e9e qui requiert un travail sur mesure. Par cette exp\u00e9rience dans le secteur de la construction, nous pouvons \u00e9galement r\u00e9pondre aux besoins des autres entrepreneurs, promoteurs immobiliers et ma\u00eetres d\u2019ouvrage.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_2 1_2 fusion-flex-column intro-static-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img decoding=\"async\" width=\"2199\" height=\"1466\" title=\"Onze expertise groep\" src=\"https:\/\/idesramboer.be\/wp-content\/uploads\/2025\/08\/Onze-expertise-groep.jpg\" data-orig-src=\"https:\/\/idesramboer.be\/wp-content\/uploads\/2025\/08\/Onze-expertise-groep.jpg\" alt class=\"lazyload img-responsive wp-image-2441\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%272199%27%20height%3D%271466%27%20viewBox%3D%270%200%202199%201466%27%3E%3Crect%20width%3D%272199%27%20height%3D%271466%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/idesramboer.be\/wp-content\/uploads\/2025\/08\/Onze-expertise-groep-200x133.jpg 200w, https:\/\/idesramboer.be\/wp-content\/uploads\/2025\/08\/Onze-expertise-groep-400x267.jpg 400w, https:\/\/idesramboer.be\/wp-content\/uploads\/2025\/08\/Onze-expertise-groep-600x400.jpg 600w, https:\/\/idesramboer.be\/wp-content\/uploads\/2025\/08\/Onze-expertise-groep-800x533.jpg 800w, https:\/\/idesramboer.be\/wp-content\/uploads\/2025\/08\/Onze-expertise-groep-1200x800.jpg 1200w, https:\/\/idesramboer.be\/wp-content\/uploads\/2025\/08\/Onze-expertise-groep.jpg 2199w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 800px\" \/><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling custom-row-width fusion-custom-z-index\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-z-index:custom-row-width;--awb-padding-top:0px;--awb-padding-bottom:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1456px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_1 1_1 fusion-flex-column box-shadow tab-header-column\" style=\"--awb-padding-top:15px;--awb-padding-right:15px;--awb-padding-bottom:15px;--awb-padding-left:15px;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:90px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-0 fusion_builder_column_inner_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:5.76%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-2\"><p><a class=\"vrije-beroepen active\" href=\"#\">Professions lib\u00e9rales<\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-1 fusion_builder_column_inner_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:5.76%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-3\"><p><a class=\"ondernemers\" href=\"#\">Entrepreneurs &amp; ind\u00e9pendants<\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-2 fusion_builder_column_inner_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:5.76%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-4\"><p><a class=\"bouwheren\" href=\"#\">Ma\u00eetres d\u2019ouvrage &amp; promoteurs<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling custom-row-width fusion-custom-z-index\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-z-index:custom-row-width;--awb-padding-top:0px;--awb-padding-bottom:90px;--awb-padding-bottom-small:30px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1456px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-tabs fusion-tabs-1 classic active vertical-tabs icon-position-left mobile-mode-accordion\" style=\"--awb-title-border-radius-top-left:0px;--awb-title-border-radius-top-right:0px;--awb-title-border-radius-bottom-right:0px;--awb-title-border-radius-bottom-left:0px;--awb-alignment:start;--awb-inactive-color:#ebeaea;--awb-background-color:#ffffff;--awb-border-color:#ebeaea;--awb-active-border-color:#000000;\" id=\"vrije-beroepen\"><div class=\"nav\"><ul class=\"nav-tabs\" role=\"tablist\"><li class=\"active\" role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-531ad96c948ed884f4c\" aria-selected=\"true\" id=\"fusion-tab-responsabilit\u00e9professionnelle\" href=\"#tab-531ad96c948ed884f4c\"><h4 class=\"fusion-tab-heading\">Responsabilit\u00e9 professionnelle <\/h4><\/a><\/li><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-a3db69ff525c8830d27\" aria-selected=\"false\" tabindex=\"-1\" id=\"fusion-tab-responsabilit\u00e9d\u2019administrateur\" href=\"#tab-a3db69ff525c8830d27\"><h4 class=\"fusion-tab-heading\">Responsabilit\u00e9 d\u2019administrateur <\/h4><\/a><\/li><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-684e398ba868baa45aa\" aria-selected=\"false\" tabindex=\"-1\" id=\"fusion-tab-chantierunique\" href=\"#tab-684e398ba868baa45aa\"><h4 class=\"fusion-tab-heading\">Chantier unique<\/h4><\/a><\/li><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-e32261f666dcc7284a6\" aria-selected=\"false\" tabindex=\"-1\" id=\"fusion-tab-assistancejuridiqueresponsabilit\u00e9professionnelle\" href=\"#tab-e32261f666dcc7284a6\"><h4 class=\"fusion-tab-heading\">Assistance juridique responsabilit\u00e9 professionnelle<\/h4><\/a><\/li><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-74072b53af1955b6e67\" aria-selected=\"false\" tabindex=\"-1\" id=\"fusion-tab-policeglobaleresponsabilit\u00e9d\u00e9cennale\" href=\"#tab-74072b53af1955b6e67\"><h4 class=\"fusion-tab-heading\">Police globale responsabilit\u00e9 d\u00e9cennale<\/h4><\/a><\/li><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-23f772bcbd8c0c17894\" aria-selected=\"false\" tabindex=\"-1\" id=\"fusion-tab-assurancetrc\" href=\"#tab-23f772bcbd8c0c17894\"><h4 class=\"fusion-tab-heading\">Assurance TRC<\/h4><\/a><\/li><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-ec7f45aa42c90dc26f5\" aria-selected=\"false\" tabindex=\"-1\" id=\"fusion-tab-assurancegarantier\u00e9novationdefa\u00e7ade\" href=\"#tab-ec7f45aa42c90dc26f5\"><h4 class=\"fusion-tab-heading\">Assurance garantie r\u00e9novation de fa\u00e7ade<\/h4><\/a><\/li><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-26d02b8ca62c8bef196\" aria-selected=\"false\" tabindex=\"-1\" id=\"fusion-tab-assurancedecontr\u00f4le\" href=\"#tab-26d02b8ca62c8bef196\"><h4 class=\"fusion-tab-heading\">Assurance de contr\u00f4le<\/h4><\/a><\/li><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-3bdaa41aa1af6a25399\" aria-selected=\"false\" tabindex=\"-1\" id=\"fusion-tab-assuranceaccidentscollaborateursind\u00e9pendants\" href=\"#tab-3bdaa41aa1af6a25399\"><h4 class=\"fusion-tab-heading\">Assurance accidents collaborateurs ind\u00e9pendants<\/h4><\/a><\/li><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-5615f525193ef38c052\" aria-selected=\"false\" tabindex=\"-1\" id=\"fusion-tab-assuranceautosecteurdelaconstruction\" href=\"#tab-5615f525193ef38c052\"><h4 class=\"fusion-tab-heading\">Assurance auto secteur de la construction<\/h4><\/a><\/li><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-dc9458704ef089b8b95\" aria-selected=\"false\" tabindex=\"-1\" id=\"fusion-tab-assuranceincendiesecteurdelaconstruction\" href=\"#tab-dc9458704ef089b8b95\"><h4 class=\"fusion-tab-heading\">Assurance incendie secteur de la construction<\/h4><\/a><\/li><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-f9a184631ce8317756d\" aria-selected=\"false\" tabindex=\"-1\" id=\"fusion-tab-cyberassurancesecteurdelaconstruction\" href=\"#tab-f9a184631ce8317756d\"><h4 class=\"fusion-tab-heading\">Cyberassurance secteur de la construction<\/h4><\/a><\/li><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-31274724f46453da06b\" aria-selected=\"false\" tabindex=\"-1\" id=\"fusion-tab-autresassurancespourvotreentrepriseouvotreviepriv\u00e9e\" href=\"#tab-31274724f46453da06b\"><h4 class=\"fusion-tab-heading\">Autres assurances pour votre entreprise ou votre vie priv\u00e9e<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-content\"><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs\" role=\"tablist\"><li class=\"active\" role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-531ad96c948ed884f4c\" aria-selected=\"true\" id=\"mobile-fusion-tab-responsabilit\u00e9professionnelle\" href=\"#tab-531ad96c948ed884f4c\"><h4 class=\"fusion-tab-heading\">Responsabilit\u00e9 professionnelle <\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix in active\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-responsabilit\u00e9professionnelle\" id=\"tab-531ad96c948ed884f4c\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_1 1_1 fusion-flex-column link-box-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-flex-grow:0;--awb-flex-shrink:0;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-flex-grow-medium:0;--awb-flex-shrink-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-flex-grow-small:0;--awb-flex-shrink-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-3 fusion_builder_column_inner_1_2 1_2 fusion-flex-column fusion-column-inner-bg-wrapper link-box\" style=\"--awb-inner-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><span class=\"fusion-column-inner-bg hover-type-none\"><a class=\"fusion-column-anchor\" href=\"https:\/\/idesramboer.be\/fr\/architect\/\"><span class=\"fusion-column-inner-bg-image\"><\/span><\/a><\/span><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-2 fusion-title-center fusion-title-text fusion-title-size-three\"><div class=\"title-sep-container title-sep-container-left\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><span class=\"awb-title-spacer\"><\/span><h3 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:16;--minFontSize:16;line-height:1.5;\">Architecte<\/h3><span class=\"awb-title-spacer\"><\/span><div class=\"title-sep-container title-sep-container-right\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-4 fusion_builder_column_inner_1_2 1_2 fusion-flex-column fusion-column-inner-bg-wrapper link-box\" style=\"--awb-inner-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><span class=\"fusion-column-inner-bg hover-type-none\"><a class=\"fusion-column-anchor\" href=\"https:\/\/idesramboer.be\/fr\/ingenieur\/\"><span class=\"fusion-column-inner-bg-image\"><\/span><\/a><\/span><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-3 fusion-title-center fusion-title-text fusion-title-size-three\"><div class=\"title-sep-container title-sep-container-left\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><span class=\"awb-title-spacer\"><\/span><h3 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:16;--minFontSize:16;line-height:1.5;\">Ing\u00e9nieur<\/h3><span class=\"awb-title-spacer\"><\/span><div class=\"title-sep-container title-sep-container-right\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-5 fusion_builder_column_inner_1_2 1_2 fusion-flex-column fusion-column-inner-bg-wrapper link-box\" style=\"--awb-inner-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><span class=\"fusion-column-inner-bg hover-type-none\"><a class=\"fusion-column-anchor\" href=\"https:\/\/idesramboer.be\/fr\/milieudeskundige\/\"><span class=\"fusion-column-inner-bg-image\"><\/span><\/a><\/span><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-4 fusion-title-center fusion-title-text fusion-title-size-three\"><div class=\"title-sep-container title-sep-container-left\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><span class=\"awb-title-spacer\"><\/span><h3 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:16;--minFontSize:16;line-height:1.5;\">Expert environnemental<\/h3><span class=\"awb-title-spacer\"><\/span><div class=\"title-sep-container title-sep-container-right\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-6 fusion_builder_column_inner_1_2 1_2 fusion-flex-column fusion-column-inner-bg-wrapper link-box\" style=\"--awb-inner-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><span class=\"fusion-column-inner-bg hover-type-none\"><a class=\"fusion-column-anchor\" href=\"https:\/\/idesramboer.be\/fr\/interieurarchitect\/\"><span class=\"fusion-column-inner-bg-image\"><\/span><\/a><\/span><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-5 fusion-title-center fusion-title-text fusion-title-size-three\"><div class=\"title-sep-container title-sep-container-left\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><span class=\"awb-title-spacer\"><\/span><h3 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:16;--minFontSize:16;line-height:1.5;\">Architecte d\u2019int\u00e9rieur<\/h3><span class=\"awb-title-spacer\"><\/span><div class=\"title-sep-container title-sep-container-right\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-7 fusion_builder_column_inner_1_2 1_2 fusion-flex-column fusion-column-inner-bg-wrapper link-box\" style=\"--awb-inner-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><span class=\"fusion-column-inner-bg hover-type-none\"><a class=\"fusion-column-anchor\" href=\"https:\/\/idesramboer.be\/fr\/energiedeskundige\/\"><span class=\"fusion-column-inner-bg-image\"><\/span><\/a><\/span><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-6 fusion-title-center fusion-title-text fusion-title-size-three\"><div class=\"title-sep-container title-sep-container-left\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><span class=\"awb-title-spacer\"><\/span><h3 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:16;--minFontSize:16;line-height:1.5;\">Expert en \u00e9nergie<\/h3><span class=\"awb-title-spacer\"><\/span><div class=\"title-sep-container title-sep-container-right\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-8 fusion_builder_column_inner_1_2 1_2 fusion-flex-column fusion-column-inner-bg-wrapper link-box\" style=\"--awb-inner-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><span class=\"fusion-column-inner-bg hover-type-none\"><a class=\"fusion-column-anchor\" href=\"https:\/\/idesramboer.be\/fr\/veiligheidscoordinator\/\"><span class=\"fusion-column-inner-bg-image\"><\/span><\/a><\/span><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-7 fusion-title-center fusion-title-text fusion-title-size-three\"><div class=\"title-sep-container title-sep-container-left\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><span class=\"awb-title-spacer\"><\/span><h3 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:16;--minFontSize:16;line-height:1.5;\">Coordinateur de s\u00e9curit\u00e9<\/h3><span class=\"awb-title-spacer\"><\/span><div class=\"title-sep-container title-sep-container-right\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-9 fusion_builder_column_inner_1_2 1_2 fusion-flex-column fusion-column-inner-bg-wrapper link-box\" style=\"--awb-inner-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><span class=\"fusion-column-inner-bg hover-type-none\"><a class=\"fusion-column-anchor\" href=\"https:\/\/idesramboer.be\/fr\/tuin-en-landschapsarchitect\/\"><span class=\"fusion-column-inner-bg-image\"><\/span><\/a><\/span><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-8 fusion-title-center fusion-title-text fusion-title-size-three\"><div class=\"title-sep-container title-sep-container-left\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><span class=\"awb-title-spacer\"><\/span><h3 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:16;--minFontSize:16;line-height:1.5;\">Architecte de jardins et architecte paysagiste<\/h3><span class=\"awb-title-spacer\"><\/span><div class=\"title-sep-container title-sep-container-right\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-10 fusion_builder_column_inner_1_2 1_2 fusion-flex-column fusion-column-inner-bg-wrapper link-box\" style=\"--awb-inner-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><span class=\"fusion-column-inner-bg hover-type-none\"><a class=\"fusion-column-anchor\" href=\"https:\/\/idesramboer.be\/fr\/landmeter-expert\/\"><span class=\"fusion-column-inner-bg-image\"><\/span><\/a><\/span><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-9 fusion-title-center fusion-title-text fusion-title-size-three\"><div class=\"title-sep-container title-sep-container-left\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><span class=\"awb-title-spacer\"><\/span><h3 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:16;--minFontSize:16;line-height:1.5;\">G\u00e9om\u00e8tre-expert<\/h3><span class=\"awb-title-spacer\"><\/span><div class=\"title-sep-container title-sep-container-right\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-11 fusion_builder_column_inner_1_2 1_2 fusion-flex-column fusion-column-inner-bg-wrapper link-box\" style=\"--awb-inner-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><span class=\"fusion-column-inner-bg hover-type-none\"><a class=\"fusion-column-anchor\" href=\"https:\/\/idesramboer.be\/fr\/stedenbouwkundige\/\"><span class=\"fusion-column-inner-bg-image\"><\/span><\/a><\/span><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-10 fusion-title-center fusion-title-text fusion-title-size-three\"><div class=\"title-sep-container title-sep-container-left\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><span class=\"awb-title-spacer\"><\/span><h3 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:16;--minFontSize:16;line-height:1.5;\">Urbaniste<\/h3><span class=\"awb-title-spacer\"><\/span><div class=\"title-sep-container title-sep-container-right\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-12 fusion_builder_column_inner_1_2 1_2 fusion-flex-column fusion-column-inner-bg-wrapper link-box\" style=\"--awb-inner-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><span class=\"fusion-column-inner-bg hover-type-none\"><a class=\"fusion-column-anchor\" href=\"https:\/\/idesramboer.be\/fr\/expert\/\"><span class=\"fusion-column-inner-bg-image\"><\/span><\/a><\/span><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-11 fusion-title-center fusion-title-text fusion-title-size-three\"><div class=\"title-sep-container title-sep-container-left\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><span class=\"awb-title-spacer\"><\/span><h3 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:16;--minFontSize:16;line-height:1.5;\">Expert<\/h3><span class=\"awb-title-spacer\"><\/span><div class=\"title-sep-container title-sep-container-right\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-13 fusion_builder_column_inner_1_2 1_2 fusion-flex-column fusion-column-inner-bg-wrapper link-box\" style=\"--awb-inner-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><span class=\"fusion-column-inner-bg hover-type-none\"><a class=\"fusion-column-anchor\" href=\"https:\/\/idesramboer.be\/fr\/projectmanager\/\"><span class=\"fusion-column-inner-bg-image\"><\/span><\/a><\/span><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-12 fusion-title-center fusion-title-text fusion-title-size-three\"><div class=\"title-sep-container title-sep-container-left\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><span class=\"awb-title-spacer\"><\/span><h3 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:16;--minFontSize:16;line-height:1.5;\">Project manager<\/h3><span class=\"awb-title-spacer\"><\/span><div class=\"title-sep-container title-sep-container-right\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs\" role=\"tablist\"><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-a3db69ff525c8830d27\" aria-selected=\"false\" tabindex=\"-1\" id=\"mobile-fusion-tab-responsabilit\u00e9d\u2019administrateur\" href=\"#tab-a3db69ff525c8830d27\"><h4 class=\"fusion-tab-heading\">Responsabilit\u00e9 d\u2019administrateur <\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-responsabilit\u00e9d\u2019administrateur\" id=\"tab-a3db69ff525c8830d27\">\n<h3>Responsabilit\u00e9 d\u2019administrateur<\/h3>\n<p>La police responsabilit\u00e9 d\u2019administrateur est souscrite par la soci\u00e9t\u00e9 pour le compte et au profit du\/des administrateur(s) et assure les cons\u00e9quences financi\u00e8res d\u2019erreurs professionnelles pendant l\u2019exercice du mandat d\u2019administrateur, que ce soit ou non via une soci\u00e9t\u00e9 de management.<\/p>\n<h4>Besoin d&rsquo;une information imm\u00e9diate ?<\/h4>\n<p><a class=\"fusion-button beige-button\" href=\"\/fr\/offerte-aanvragen\">Demandez votre offre<\/a><\/p>\n<ul>\n<li><span style=\"text-decoration: underline;\"><strong>Atouts d\u2019Ides Ramboer<\/strong><\/span>\n<ul>\n<li>Travail sur mesure<\/li>\n<li>Conseils sp\u00e9cialis\u00e9s<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs\" role=\"tablist\"><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-684e398ba868baa45aa\" aria-selected=\"false\" tabindex=\"-1\" id=\"mobile-fusion-tab-chantierunique\" href=\"#tab-684e398ba868baa45aa\"><h4 class=\"fusion-tab-heading\">Chantier unique<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-chantierunique\" id=\"tab-684e398ba868baa45aa\">\n<h3>Chantier unique<\/h3>\n<p>Assurez votre projet dans une police chantier unique.<\/p>\n<p>Il s\u2019agit d\u2019une police qui permet d\u2019assurer tous les concepteurs avec ou sans sous-traitants dans une seule police. La police couvre la responsabilit\u00e9 civile compl\u00e8te des concepteurs assur\u00e9s pour leur mission d\u00e9crite dans cette police.<\/p>\n<h4>Besoin d&rsquo;une information imm\u00e9diate ?<\/h4>\n<p><a class=\"fusion-button\" href=\"https:\/\/idesramboer.be\/wp-content\/uploads\/2023\/12\/5-Chantier-unique-Frans.docx\" target=\"_blank\" rel=\"noopener\" download=\"\">Download document<\/a> <a class=\"fusion-button\" href=\"https:\/\/idesramboer.be\/fr\/chantier-unique\/\">Remplir votre offre en ligne<\/a><\/p>\n<ul>\n<li><span style=\"text-decoration: underline;\"><strong>Atouts d\u2019Ides Ramboer<\/strong><\/span>\n<ul>\n<li>\u00c9tude de march\u00e9 aupr\u00e8s de plusieurs assureurs<\/li>\n<li>Pas de possibilit\u00e9 de r\u00e9siliation<\/li>\n<li>Travail sur mesure : capitaux (plus \u00e9lev\u00e9s), franchise fixe ou variable, &#8230;<\/li>\n<li>Conseils sp\u00e9cialis\u00e9s<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs\" role=\"tablist\"><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-e32261f666dcc7284a6\" aria-selected=\"false\" tabindex=\"-1\" id=\"mobile-fusion-tab-assistancejuridiqueresponsabilit\u00e9professionnelle\" href=\"#tab-e32261f666dcc7284a6\"><h4 class=\"fusion-tab-heading\">Assistance juridique responsabilit\u00e9 professionnelle<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-assistancejuridiqueresponsabilit\u00e9professionnelle\" id=\"tab-e32261f666dcc7284a6\">\n<h3>Assistance juridique responsabilit\u00e9 professionnelle<\/h3>\n<p>Assurance assistance juridique pour vos activit\u00e9s professionnelles.<\/p>\n<p>Assistance par la compagnie d\u2019assurance en cas de d\u00e9fense p\u00e9nale ou de doute \u00e0 propos de la responsabilit\u00e9. Libert\u00e9 de choix de l\u2019avocat et la compagnie d\u2019assurance prend les frais \u00e0 charge pour la d\u00e9fense de vos int\u00e9r\u00eats (frais de justice, honoraires d\u2019avocats, &#8230;) Une garantie pour le recouvrement d\u2019honoraires de factures impay\u00e9es peut \u00eatre pr\u00e9vue.<\/p>\n<h4>Besoin d&rsquo;une information imm\u00e9diate ?<\/h4>\n<p><a class=\"fusion-button beige-button\" href=\"https:\/\/idesramboer.be\/fr\/offerte-aanvragen\/\">Demandez votre offre<\/a> <a class=\"fusion-button\" href=\"https:\/\/idesramboer.be\/wp-content\/uploads\/2023\/12\/9-assistance-judiciaire-responsabilite-professionnelle.docx\" target=\"_blank\" rel=\"noopener\" download=\"\">Download document<\/a><\/p>\n<ul>\n<li><span style=\"text-decoration: underline;\"><strong>Atouts d\u2019Ides Ramboer<\/strong><\/span>\n<ul>\n<li>Libert\u00e9 de choix de l\u2019avocat<\/li>\n<li>Couverture via une compagnie ind\u00e9pendante<\/li>\n<li>Recouvrement d\u2019honoraires<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs\" role=\"tablist\"><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-74072b53af1955b6e67\" aria-selected=\"false\" tabindex=\"-1\" id=\"mobile-fusion-tab-policeglobaleresponsabilit\u00e9d\u00e9cennale\" href=\"#tab-74072b53af1955b6e67\"><h4 class=\"fusion-tab-heading\">Police globale responsabilit\u00e9 d\u00e9cennale<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-policeglobaleresponsabilit\u00e9d\u00e9cennale\" id=\"tab-74072b53af1955b6e67\">\n<h3>Police globale responsabilit\u00e9 d\u00e9cennale<\/h3>\n<p>La responsabilit\u00e9 d\u00e9cennale de diff\u00e9rents professionnels de la construction peut \u00eatre assur\u00e9e dans une police de projet globale.<\/p>\n<h4>Besoin d&rsquo;une information imm\u00e9diate ?<\/h4>\n<p><a class=\"fusion-button\" href=\"https:\/\/idesramboer.be\/wp-content\/uploads\/2023\/12\/4-Questionnaire-TRC-police-globale-resp-decennale-Frans.docx\" target=\"_blank\" rel=\"noopener\" download=\"\">Download document<\/a> <a class=\"fusion-button\" href=\"https:\/\/idesramboer.be\/fr\/offre-trc\/\">Remplir votre offre en ligne<\/a><\/p>\n<ul>\n<li><span style=\"text-decoration: underline;\"><strong>Qu&rsquo;implique cette police ?<\/strong><\/span>\n<ul>\n<li>projets r\u00e9sidentiels dont au moins la moiti\u00e9 est destin\u00e9e \u00e0 l\u2019habitation.<\/li>\n<li>qui sont situ\u00e9s en Belgique<\/li>\n<li>dont le permis de construire a \u00e9t\u00e9 d\u00e9livr\u00e9 apr\u00e8s le 30 juin 2018<\/li>\n<li>pour lesquels l\u2019intervention d\u2019un architecte est obligatoire<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li><span style=\"text-decoration: underline;\"><strong>Si ces conditions sont respect\u00e9es, au moins les professionnels de la construction suivants doivent alors conclure une assurance pour couvrir la responsabilit\u00e9 d\u00e9cennale pour la solidit\u00e9 et la stabilit\u00e9 de votre projet :<\/strong><\/span>\n<ul>\n<li>l\u2019architecte<\/li>\n<li>l\u2019ing\u00e9nieur en stabilit\u00e9<\/li>\n<li>les entrepreneurs qui interviennent dans le gros \u0153uvre ferm\u00e9 et couvert (note : les sous-traitants sont selon la loi couverts dans la police de leur entrepreneur principal).<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li><span style=\"text-decoration: underline;\"><strong>Atouts d\u2019Ides Ramboer<\/strong><\/span>\n<ul>\n<li>Travail sur mesure<\/li>\n<li>\u00c9tude de march\u00e9 aupr\u00e8s de plusieurs assureurs<\/li>\n<li>Couverture optimale pendant le processus de construction complet<\/li>\n<li>Conseils sp\u00e9cialis\u00e9s<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs\" role=\"tablist\"><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-23f772bcbd8c0c17894\" aria-selected=\"false\" tabindex=\"-1\" id=\"mobile-fusion-tab-assurancetrc\" href=\"#tab-23f772bcbd8c0c17894\"><h4 class=\"fusion-tab-heading\">Assurance TRC<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-assurancetrc\" id=\"tab-23f772bcbd8c0c17894\">\n<h3>Assurance TRC<\/h3>\n<p>La police Tous Risques Chantier assure les travaux pendant votre processus de construction\/transformation.<\/p>\n<p>La construction ou la transformation est un \u00e9v\u00e9nement complexe. De nombreuses parties diff\u00e9rentes sont impliqu\u00e9es dans le processus de construction. En cas de sinistre, il n\u2019est pas toujours \u00e9vident de d\u00e9terminer la cause exacte d\u2019un pr\u00e9judice. Il arrive \u00e9galement souvent qu\u2019il ne soit pas clair qui pr\u00e9cis\u00e9ment sur le chantier a caus\u00e9 le sinistre.<\/p>\n<p>Une police TRC garantit une r\u00e9paration ou reconstruction rapide quelles que soient les discussions \u00e9ventuelles en mati\u00e8re de responsabilit\u00e9. \u00c9galement lorsqu\u2019un entrepreneur du march\u00e9 dispara\u00eet ou fait faillite, la police TRC interviendra pour les dommages caus\u00e9s accidentellement (ne pas pour le faillite). Le ma\u00eetre d\u2019ouvrage couvre ainsi donc son propre risque financier.<\/p>\n<h4>Besoin d&rsquo;une information imm\u00e9diate ?<\/h4>\n<p><a class=\"fusion-button beige-button\" href=\"\/fr\/offerte-aanvragen\">Demandez votre offre<\/a> <a class=\"fusion-button\" href=\"https:\/\/idesramboer.be\/wp-content\/uploads\/2023\/12\/4-Questionnaire-TRC-police-globale-resp-decennale-Frans.docx\" target=\"_blank\" rel=\"noopener\" download=\"\">Download document<\/a> <a id=\"iframe-abr\" class=\"fusion-button iframe-link\" href=\"https:\/\/idesramboer.be\/wp-content\/uploads\/2023\/09\/4.-NIEUW-ABRglobale-polis-voorstelformulier.docx\" target=\"_blank\" rel=\"noopener\" download=\"\">Remplir votre offre en ligne<\/a><\/p>\n<ul>\n<li><span style=\"text-decoration: underline;\"><strong>Atouts d\u2019Ides Ramboer<\/strong><\/span>\n<ul>\n<li>Travail sur mesure avec une large couverture pendant le processus de construction complet<\/li>\n<li>\u00c9tude de march\u00e9 aupr\u00e8s de plusieurs assureurs<\/li>\n<li>Conseils sp\u00e9cialis\u00e9s<\/li>\n<li>R\u00e8glement rapide en cas de sinistre<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs\" role=\"tablist\"><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-ec7f45aa42c90dc26f5\" aria-selected=\"false\" tabindex=\"-1\" id=\"mobile-fusion-tab-assurancegarantier\u00e9novationdefa\u00e7ade\" href=\"#tab-ec7f45aa42c90dc26f5\"><h4 class=\"fusion-tab-heading\">Assurance garantie r\u00e9novation de fa\u00e7ade<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-assurancegarantier\u00e9novationdefa\u00e7ade\" id=\"tab-ec7f45aa42c90dc26f5\">\n<h3>Assurance garantie r\u00e9novation de fa\u00e7ade<\/h3>\n<p>Cette assurance technique en mati\u00e8re de construction offre un long d\u00e9lai de garantie pour les r\u00e9novations de fa\u00e7ade et est un compl\u00e9ment id\u00e9al \u00e0 l\u2019assurance d\u00e9cennale. Le preneur d&rsquo;assurance (ma\u00eetre d&rsquo;ouvrage, ACP, entrepreneur, syndic,..) conclut cette police avec comme b\u00e9n\u00e9ficiaire le propri\u00e9taire du b\u00e2timent pour lequel les travaux sont r\u00e9alis\u00e9s. Une couverture est possible pour par ex. cinq ou dix ans.<\/p>\n<h4>Besoin d&rsquo;une information imm\u00e9diate ?<\/h4>\n<p><a class=\"fusion-button beige-button\" href=\"\/fr\/offerte-aanvragen\">Demandez votre offre<\/a><\/p>\n<p><strong><u>Qu\u2019inclut cette assurance ?<\/u><\/strong><\/p>\n<p>L\u2019assurance technique en mati\u00e8re de construction qui est conclue par le preneur d&rsquo;assurance (ma\u00eetre d&rsquo;\u0153uvre, association de copropri\u00e9taires, entrepreneur, syndic,..) avec comme b\u00e9n\u00e9ficiaire le propri\u00e9taire du b\u00e2timent pour lequel les travaux sont r\u00e9alis\u00e9s ; l\u2019entrepreneur\/les entrepreneurs ex\u00e9cutant(s) est\/sont l\u2019assur\u00e9\/les assur\u00e9s. Une couverture est possible pour cinq ou dix ans.<\/p>\n<ul>\n<li><span style=\"text-decoration: underline;\"><strong>Atouts d\u2019Ides Ramboer<\/strong><\/span>\n<ul>\n<li>Peut \u00eatre conclue par projet ou dans le cadre d\u2019une formule d\u2019abonnement<\/li>\n<li>Toujours avec un contr\u00f4le sur la mise en \u0153uvre des travaux par un bureau de contr\u00f4le agr\u00e9\u00e9<\/li>\n<li>Travail sur mesure<\/li>\n<li>Conseils sp\u00e9cialis\u00e9s<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs\" role=\"tablist\"><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-26d02b8ca62c8bef196\" aria-selected=\"false\" tabindex=\"-1\" id=\"mobile-fusion-tab-assurancedecontr\u00f4le\" href=\"#tab-26d02b8ca62c8bef196\"><h4 class=\"fusion-tab-heading\">Assurance de contr\u00f4le<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-assurancedecontr\u00f4le\" id=\"tab-26d02b8ca62c8bef196\">\n<h3>Assurance de contr\u00f4le<\/h3>\n<h4>Besoin d&rsquo;une information imm\u00e9diate ?<\/h4>\n<p><a class=\"fusion-button beige-button\" href=\"\/fr\/offerte-aanvragen\">Demandez votre offre<\/a><\/p>\n<p><strong><u>Qu&rsquo;implique cette police ?<\/u><\/strong><\/p>\n<p>La responsabilit\u00e9 d\u00e9cennale pour des projets de construction non-r\u00e9sidentielle (pour lesquels il n\u2019y a pas d\u2019obligation d\u2019assurance) peut \u00eatre assur\u00e9e dans une police d\u00e9cennale ou une assurance de contr\u00f4le.<\/p>\n<p>Le ma\u00eetre d&rsquo;ouvrage, l\u2019entrepreneur ou le promoteur conclut cette police. La couverture est pr\u00e9vue pour le pr\u00e9judice qui tombe sous le coup de la responsabilit\u00e9 d\u00e9cennale et qui se produit lors des travaux contr\u00f4l\u00e9s ou des travaux de gros \u0153uvre. Des garanties suppl\u00e9mentaires sont possibles pour les dommages caus\u00e9s \u00e0 la finition, la responsabilit\u00e9 civile vis-\u00e0-vis de tiers, les dommages immat\u00e9riels indirects,\u2026<\/p>\n<p>\u00c9tant donn\u00e9 que certaines parties du b\u00e2timent sont contr\u00f4l\u00e9es par un bureau de contr\u00f4le sp\u00e9cialis\u00e9, cela implique une garantie de qualit\u00e9.<\/p>\n<ul>\n<li><span style=\"text-decoration: underline;\"><strong>Atouts d\u2019Ides Ramboer<\/strong><\/span>\n<ul>\n<li>Travail sur mesure<\/li>\n<li>Couverture optimale<\/li>\n<li>Conseils sp\u00e9cialis\u00e9s<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs\" role=\"tablist\"><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-3bdaa41aa1af6a25399\" aria-selected=\"false\" tabindex=\"-1\" id=\"mobile-fusion-tab-assuranceaccidentscollaborateursind\u00e9pendants\" href=\"#tab-3bdaa41aa1af6a25399\"><h4 class=\"fusion-tab-heading\">Assurance accidents collaborateurs ind\u00e9pendants<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-assuranceaccidentscollaborateursind\u00e9pendants\" id=\"tab-3bdaa41aa1af6a25399\">\n<h3>Assurance accidents collaborateurs ind\u00e9pendants<\/h3>\n<p>Les collaborateurs ind\u00e9pendants ne sont pas prot\u00e9g\u00e9s par la loi sur le travail et l\u2019assurance obligatoire accidents du travail pour les travailleurs. Votre soci\u00e9t\u00e9 peut d\u00e9marrer une police collective accidents dans le cadre de laquelle les affili\u00e9s sont assur\u00e9s contre la perte de revenus suite \u00e0 un accident pendant l\u2019exercice de l\u2019activit\u00e9 professionnelle pour le compte de la soci\u00e9t\u00e9.<\/p>\n<h4>Besoin d&rsquo;une information imm\u00e9diate ?<\/h4>\n<p><a class=\"fusion-button beige-button\" href=\"\/fr\/offerte-aanvragen\">Demandez votre offre<\/a><\/p>\n<ul>\n<li><span style=\"text-decoration: underline;\"><strong>Atouts d\u2019Ides Ramboer<\/strong><\/span>\n<ul>\n<li>Travail sur mesure<\/li>\n<li>Conseils sp\u00e9cialis\u00e9s<\/li>\n<li>Peut \u00eatre \u00e9tendue en option \u00e0 la vie priv\u00e9e<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs\" role=\"tablist\"><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-5615f525193ef38c052\" aria-selected=\"false\" tabindex=\"-1\" id=\"mobile-fusion-tab-assuranceautosecteurdelaconstruction\" href=\"#tab-5615f525193ef38c052\"><h4 class=\"fusion-tab-heading\">Assurance auto secteur de la construction<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-assuranceautosecteurdelaconstruction\" id=\"tab-5615f525193ef38c052\">\n<h3>Assurance auto secteur de la construction<\/h3>\n<p>Pour nos clients dans le secteur de la construction, nous proposons des conditions sp\u00e9ciales qui sont \u00e9galement valables pour les membres de la famille et les collaborateurs.<\/p>\n<p>Pour chaque v\u00e9hicule \u00e0 moteur que vous mettez en circulation, il est l\u00e9galement obligatoire d\u2019assurer la responsabilit\u00e9 civile via l\u2019assurance RC. Cette garantie indemnise la partie adverse quand vous \u00eates responsable d\u2019un accident.<\/p>\n<p>Les dommages que vous subissez \u00e0 votre propre v\u00e9hicule peuvent \u00eatre assur\u00e9s via une omnium compl\u00e8te.<\/p>\n<p>Nous proposons \u00e9galement la \u2018petite omnium\u2019 (catastrophes naturelles, incendie, vol, catastrophes naturelles et bris de vitres).<\/p>\n<h4>Besoin d&rsquo;une information imm\u00e9diate ?<\/h4>\n<p><a class=\"fusion-button beige-button\" href=\"\/fr\/offerte-aanvragen\">Demandez votre offre<\/a> <a class=\"fusion-button\" href=\"https:\/\/idesramboer.be\/wp-content\/uploads\/2023\/12\/6-Questionnaire-automobile-Frans.docx\" target=\"_blank\" rel=\"noopener\" download=\"\">Download document<\/a><\/p>\n<ul>\n<li><span style=\"text-decoration: underline;\"><strong>Atouts d\u2019Ides Ramboer<\/strong><\/span>\n<ul>\n<li>Assurance auto unique<\/li>\n<li>Primes avantageuses<\/li>\n<li>Offre rapide<\/li>\n<li>Conditions sp\u00e9ciales jeunes conducteurs<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs\" role=\"tablist\"><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-dc9458704ef089b8b95\" aria-selected=\"false\" tabindex=\"-1\" id=\"mobile-fusion-tab-assuranceincendiesecteurdelaconstruction\" href=\"#tab-dc9458704ef089b8b95\"><h4 class=\"fusion-tab-heading\">Assurance incendie secteur de la construction<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-assuranceincendiesecteurdelaconstruction\" id=\"tab-dc9458704ef089b8b95\">\n<h3>Assurance incendie secteur de la construction<\/h3>\n<p>Pour nos clients dans le secteur de la construction, nous proposons des conditions sp\u00e9ciales et des couvertures suppl\u00e9mentaires gratuites.<\/p>\n<p>Notre police d\u2019assurance incendie exclusive concerne des b\u00e2timents qui font office de logement et\/ou de bureau, donc combin\u00e9 ou non avec l\u2019exploitation d\u2019une activit\u00e9 en tant que profession lib\u00e9rale dans le secteur de la construction.<\/p>\n<h4>Besoin d&rsquo;une information imm\u00e9diate ?<\/h4>\n<p><a class=\"fusion-button beige-button\" href=\"\/fr\/offerte-aanvragen\">Demandez votre offre<\/a> <a class=\"fusion-button\" href=\"https:\/\/idesramboer.be\/wp-content\/uploads\/2023\/12\/7-Questionnaire-incendie-Frans.docx\" target=\"_blank\" rel=\"noopener\" download=\"\">Download document<\/a><\/p>\n<ul>\n<li><span style=\"text-decoration: underline;\"><strong>Atouts d\u2019Ides Ramboer<\/strong><\/span>\n<ul>\n<li>Assurance incendie exclusive<\/li>\n<li>Primes avantageuses<\/li>\n<li>Couvertures suppl\u00e9mentaires gratuites<\/li>\n<li>Offre tr\u00e8s rapide<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs\" role=\"tablist\"><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-f9a184631ce8317756d\" aria-selected=\"false\" tabindex=\"-1\" id=\"mobile-fusion-tab-cyberassurancesecteurdelaconstruction\" href=\"#tab-f9a184631ce8317756d\"><h4 class=\"fusion-tab-heading\">Cyberassurance secteur de la construction<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-cyberassurancesecteurdelaconstruction\" id=\"tab-f9a184631ce8317756d\">\n<h3>Cyberassurance secteur de la construction<\/h3>\n<p>Pour nos clients dans le secteur de la construction, nous proposons des conditions sp\u00e9ciales.<\/p>\n<h4>Besoin d&rsquo;une information imm\u00e9diate ?<\/h4>\n<p><a class=\"fusion-button beige-button\" href=\"\/fr\/offerte-aanvragen\">Demandez votre offre<\/a><\/p>\n<p><strong><u>Qu&rsquo;implique cette police ?<\/u><\/strong><\/p>\n<p>Le mat\u00e9riel informatique est devenu indispensable dans notre soci\u00e9t\u00e9 moderne. Ce mat\u00e9riel devient de plus en plus important et \u00e9volue tr\u00e8s rapidement. Nous proposons des polices d\u2019assurance Tous risques pour :<\/p>\n<p>1) votre mat\u00e9riel informatique (hardware &amp; software) \u00e0 usage professionnel sans inventaire chronophage. Cette police assure \u00e0 la fois le mat\u00e9riel fixe et portable.<\/p>\n<p>2) ) Cyber Protection pour les frais de r\u00e9paration de la d\u00e9gradation de donn\u00e9es et de programmes, la violation de la protection des donn\u00e9es \u00e0 caract\u00e8re personnel et leur communication, et les frais pour l\u2019\u00e9limination des cons\u00e9quences de la tentative de cyberextorsion.<\/p>\n<ul>\n<li><span style=\"text-decoration: underline;\"><strong>Atouts d\u2019Ides Ramboer<\/strong><\/span>\n<ul>\n<li>Couverture Tous risques<\/li>\n<li>Blanket cover (afin que vous ne deviez pas tenir \u00e0 jour un inventaire)<\/li>\n<li>Prime forfaitaire<\/li>\n<li>Conseils sp\u00e9cialis\u00e9s<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs\" role=\"tablist\"><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-31274724f46453da06b\" aria-selected=\"false\" tabindex=\"-1\" id=\"mobile-fusion-tab-autresassurancespourvotreentrepriseouvotreviepriv\u00e9e\" href=\"#tab-31274724f46453da06b\"><h4 class=\"fusion-tab-heading\">Autres assurances pour votre entreprise ou votre vie priv\u00e9e<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-autresassurancespourvotreentrepriseouvotreviepriv\u00e9e\" id=\"tab-31274724f46453da06b\">\n<h3>Autres assurances pour votre entreprise ou votre vie priv\u00e9e<\/h3>\n<p>\u00c9tant donn\u00e9 que nous travaillons sur mesure, la liste d\u2019assurances n\u2019est pas limit\u00e9e. Nous donnons dans ce cadre quelques possibilit\u00e9s de couvertures \u00e0 conseiller :<\/p>\n<p><strong><u>Entreprise<\/u><\/strong>: PLCI, assurance chiffre d\u2019affaires, bris de machine, EIP, assurance groupe, responsabilit\u00e9 administrateur, \u00e9pargne \u00e0 long terme, accidents du travail, hospitalisation collective, \u00e9pargne pension, revenu garanti, perte d\u2019exploitation apr\u00e8s incendie, RC apr\u00e8s livraison, assurance transport, CPTI<\/p>\n<p><strong><u>Priv\u00e9<\/u><\/strong>: assistance voyage, familiale, hospitalisation, police routi\u00e8re, assurance d\u00e9c\u00e8s, assurance accidents, soins dentaires, assistance juridique g\u00e9n\u00e9rale<\/p>\n<h4>Besoin d&rsquo;une information imm\u00e9diate ?<\/h4>\n<p><a class=\"fusion-button beige-button\" href=\"\/fr\/offerte-aanvragen\">Demandez votre offre<\/a><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-flex-grow:0;--awb-flex-shrink:0;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-flex-grow-medium:0;--awb-flex-shrink-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-flex-grow-small:0;--awb-flex-shrink-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-tabs fusion-tabs-2 classic vertical-tabs icon-position-left mobile-mode-accordion\" style=\"--awb-title-border-radius-top-left:0px;--awb-title-border-radius-top-right:0px;--awb-title-border-radius-bottom-right:0px;--awb-title-border-radius-bottom-left:0px;--awb-alignment:start;--awb-inactive-color:#ebeaea;--awb-background-color:#ffffff;--awb-border-color:#ebeaea;--awb-active-border-color:#000000;\" id=\"ondernemers\"><div class=\"nav\"><ul class=\"nav-tabs\" role=\"tablist\"><li class=\"active\" role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-ac7e54941d7ffa15d42\" aria-selected=\"true\" id=\"fusion-tab-sant\u00e9etvie\" href=\"#tab-ac7e54941d7ffa15d42\"><h4 class=\"fusion-tab-heading\">Sant\u00e9 et vie<\/h4><\/a><\/li><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-21f82c2fd0e529f5a46\" aria-selected=\"false\" tabindex=\"-1\" id=\"fusion-tab-pension\" href=\"#tab-21f82c2fd0e529f5a46\"><h4 class=\"fusion-tab-heading\">Pension<\/h4><\/a><\/li><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-4c8ffe9b2869a69bee5\" aria-selected=\"false\" tabindex=\"-1\" id=\"fusion-tab-mat\u00e9rielet\u00e9lectronique\" href=\"#tab-4c8ffe9b2869a69bee5\"><h4 class=\"fusion-tab-heading\">Mat\u00e9riel et \u00e9lectronique<\/h4><\/a><\/li><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-a6773b2595709a666d8\" aria-selected=\"false\" tabindex=\"-1\" id=\"fusion-tab-personneletcollaborateurs\" href=\"#tab-a6773b2595709a666d8\"><h4 class=\"fusion-tab-heading\">Personnel et collaborateurs<\/h4><\/a><\/li><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-b54ac454b41366fc754\" aria-selected=\"false\" tabindex=\"-1\" id=\"fusion-tab-responsabilit\u00e9\" href=\"#tab-b54ac454b41366fc754\"><h4 class=\"fusion-tab-heading\">Responsabilit\u00e9 <\/h4><\/a><\/li><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-e2e194b81c1fcaf6742\" aria-selected=\"false\" tabindex=\"-1\" id=\"fusion-tab-incendie\" href=\"#tab-e2e194b81c1fcaf6742\"><h4 class=\"fusion-tab-heading\">Incendie <\/h4><\/a><\/li><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-37c0f7b18d062d63eba\" aria-selected=\"false\" tabindex=\"-1\" id=\"fusion-tab-v\u00e9hicule,flotteettransport\" href=\"#tab-37c0f7b18d062d63eba\"><h4 class=\"fusion-tab-heading\">V\u00e9hicule, flotte et transport<\/h4><\/a><\/li><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-ecc99afe74090aefe33\" aria-selected=\"false\" tabindex=\"-1\" id=\"fusion-tab-assistance\" href=\"#tab-ecc99afe74090aefe33\"><h4 class=\"fusion-tab-heading\">Assistance<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-content\"><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs\" role=\"tablist\"><li class=\"active\" role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-ac7e54941d7ffa15d42\" aria-selected=\"true\" id=\"mobile-fusion-tab-sant\u00e9etvie\" href=\"#tab-ac7e54941d7ffa15d42\"><h4 class=\"fusion-tab-heading\">Sant\u00e9 et vie<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix in active\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-sant\u00e9etvie\" id=\"tab-ac7e54941d7ffa15d42\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_1_1 1_1 fusion-flex-column toggle-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-flex-grow:0;--awb-flex-shrink:0;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-flex-grow-medium:0;--awb-flex-shrink-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-flex-grow-small:0;--awb-flex-shrink-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-13 fusion-title-text fusion-title-size-three\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:16;--minFontSize:16;line-height:1.5;\">Sant\u00e9 et vie<\/h3><span class=\"awb-title-spacer\"><\/span><div class=\"title-sep-container\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><\/div><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:13px;--awb-content-font-size:13px;--awb-icon-alignment:left;--awb-hover-color:#f9f9f9;--awb-border-color:#cccccc;--awb-background-color:#ffffff;--awb-divider-color:#e0dede;--awb-divider-hover-color:#e0dede;--awb-icon-color:#ffffff;--awb-title-color:#000000;--awb-content-color:#000000;--awb-icon-box-color:#333333;--awb-toggle-hover-accent-color:#a0ce4e;--awb-title-font-family:&quot;Antic Slab&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-content-font-family:&quot;PT Sans&quot;;--awb-content-font-style:normal;--awb-content-font-weight:400;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-1691-1\"><div class=\"fusion-panel panel-default panel-8f8884bbbf66f18df fusion-toggle-has-divider\" style=\"--awb-title-color:#000000;--awb-content-color:#000000;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_8f8884bbbf66f18df\"><a aria-expanded=\"false\" aria-controls=\"8f8884bbbf66f18df\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1691-1\" data-target=\"#8f8884bbbf66f18df\" href=\"#8f8884bbbf66f18df\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Revenu Garanti<\/span><\/a><\/h4><\/div><div id=\"8f8884bbbf66f18df\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_8f8884bbbf66f18df\"><div class=\"panel-body toggle-content fusion-clearfix\">Une assurance Revenu Garanti offre, \u00e0 c\u00f4t\u00e9 de l\u2019allocation l\u00e9gale limit\u00e9e via la mutuelle, une protection contre la perte de revenus pour incapacit\u00e9 de travail. Si vous ne pouvez plus travailler en raison d\u2019une maladie ou d\u2019un accident (aussi bien priv\u00e9 que professionnel), votre assurance vous verse alors un revenu de remplacement. Vous recevez donc un montant qui compl\u00e8te votre revenu. Vous pouvez ainsi conserver votre niveau de vie m\u00eame si vous n\u2019\u00eates plus en mesure de travailler.\r\n<h4>Demandez votre offre<\/h4>\r\n<a class=\"fusion-button beige-button\" href=\"\/fr\/offerte-aanvragen\">Demandez votre offre<\/a>\r\n<ul>\r\n \t<li><span style=\"text-decoration: underline;\"><strong>Atouts d\u2019Ides Ramboer<\/strong><\/span>\r\n<ul>\r\n \t<li>Travail sur mesure<\/li>\r\n \t<li>Pas d\u2019indexation des primes tout au long de la dur\u00e9e de la police<\/li>\r\n \t<li>Conseils sp\u00e9cialis\u00e9s<\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul>\r\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-e182ebdef5eca9bee fusion-toggle-has-divider\" style=\"--awb-title-color:#000000;--awb-content-color:#000000;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_e182ebdef5eca9bee\"><a aria-expanded=\"false\" aria-controls=\"e182ebdef5eca9bee\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1691-1\" data-target=\"#e182ebdef5eca9bee\" href=\"#e182ebdef5eca9bee\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Assurance chiffre d\u2019affaires<\/span><\/a><\/h4><\/div><div id=\"e182ebdef5eca9bee\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_e182ebdef5eca9bee\"><div class=\"panel-body toggle-content fusion-clearfix\">Une assurance chiffre d\u2019affaires compense la perte de revenus de votre soci\u00e9t\u00e9 si vous tombez malade ou si vous \u00eates victime d\u2019un accident, en tant que g\u00e9rant. L\u2019assurance chiffre d\u2019affaires prot\u00e8ge donc la continuit\u00e9 de votre soci\u00e9t\u00e9. L\u2019assurance chiffre d\u2019affaires est dans ce sens un excellent compl\u00e9ment \u00e0 une police Revenu Garanti et est possible \u00e0 partir d\u2019au moins trois ann\u00e9es d\u2019activit\u00e9 avec la soci\u00e9t\u00e9.\r\n<h4>Besoin d'une information imm\u00e9diate ?<\/h4>\r\n<a class=\"fusion-button beige-button\" href=\"\/fr\/offerte-aanvragen\">Demandez votre offre<\/a>\r\n<ul>\r\n \t<li><span style=\"text-decoration: underline;\"><strong>Atouts d\u2019Ides Ramboer<\/strong><\/span>\r\n<ul>\r\n \t<li>Travail sur mesure<\/li>\r\n \t<li>Conseils sp\u00e9cialis\u00e9s<\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul>\r\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-afa669498f77eddcc fusion-toggle-has-divider\" style=\"--awb-title-color:#000000;--awb-content-color:#000000;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_afa669498f77eddcc\"><a aria-expanded=\"false\" aria-controls=\"afa669498f77eddcc\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1691-1\" data-target=\"#afa669498f77eddcc\" href=\"#afa669498f77eddcc\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Assurance accidents<\/span><\/a><\/h4><\/div><div id=\"afa669498f77eddcc\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_afa669498f77eddcc\"><div class=\"panel-body toggle-content fusion-clearfix\">Une assurance accidents est souscrite par l\u2019ind\u00e9pendant\/le chef d\u2019entreprise et veille \u00e0 une couverture 24h sur 24 pour des accidents survenus aussi bien dans votre vie priv\u00e9e que professionnelle.\r\n<h4>Besoin d'une information imm\u00e9diate ?<\/h4>\r\n<a class=\"fusion-button beige-button\" href=\"\/fr\/offerte-aanvragen\">Demandez votre offre<\/a> <a class=\"fusion-button\" href=\"https:\/\/idesramboer.be\/wp-content\/uploads\/2023\/12\/8-formulier-varia-opmaak-FR.docx\" target=\"_blank\" rel=\"noopener\" download=\"\">Download document<\/a>\r\n<ul>\r\n \t<li><span style=\"text-decoration: underline;\"><strong>Atouts d\u2019Ides Ramboer<\/strong><\/span>\r\n<ul>\r\n \t<li>Travail sur mesure<\/li>\r\n \t<li>Conseils sp\u00e9cialis\u00e9s<\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul>\r\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-3f41f5454448ba9d4 fusion-toggle-has-divider\" style=\"--awb-title-color:#000000;--awb-content-color:#000000;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_3f41f5454448ba9d4\"><a aria-expanded=\"false\" aria-controls=\"3f41f5454448ba9d4\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1691-1\" data-target=\"#3f41f5454448ba9d4\" href=\"#3f41f5454448ba9d4\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Assurance hospitalisation<\/span><\/a><\/h4><\/div><div id=\"3f41f5454448ba9d4\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_3f41f5454448ba9d4\"><div class=\"panel-body toggle-content fusion-clearfix\">La facture d\u2019une hospitalisation peut s\u2019av\u00e9rer tr\u00e8s on\u00e9reuse. Optez donc pour une assurance hospitalisation int\u00e9ressante. Elle constitue le compl\u00e9ment id\u00e9al aux interventions de base de la mutuelle. En outre, cette assurance indemnise \u00e9galement les frais m\u00e9dicaux pour le traitement ambulatoire de maladies graves, m\u00eame si vous n\u2019\u00eates pas hospitalis\u00e9(e).\r\n<h4>Besoin d'une information imm\u00e9diate ?<\/h4>\r\n<a class=\"fusion-button beige-button\" href=\"\/fr\/offerte-aanvragen\">Demandez votre offre<\/a> <a class=\"fusion-button\" href=\"https:\/\/idesramboer.be\/wp-content\/uploads\/2023\/12\/8-formulier-varia-opmaak-FR.docx\" target=\"_blank\" rel=\"noopener\" download=\"\">Download document<\/a>\r\n<ul>\r\n \t<li><span style=\"text-decoration: underline;\"><strong>Atouts d\u2019Ides Ramboer<\/strong><\/span>\r\n<ul>\r\n \t<li>Travail sur mesure<\/li>\r\n \t<li>Libert\u00e9 de choix du m\u00e9decin et de l\u2019h\u00f4pital<\/li>\r\n \t<li>Conseils sp\u00e9cialis\u00e9s<\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul>\r\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-2b4194f415e0be135 fusion-toggle-has-divider\" style=\"--awb-title-color:#000000;--awb-content-color:#000000;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_2b4194f415e0be135\"><a aria-expanded=\"false\" aria-controls=\"2b4194f415e0be135\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1691-1\" data-target=\"#2b4194f415e0be135\" href=\"#2b4194f415e0be135\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Soins dentaires<\/span><\/a><\/h4><\/div><div id=\"2b4194f415e0be135\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_2b4194f415e0be135\"><div class=\"panel-body toggle-content fusion-clearfix\">De belles dents et des dents saines sont non seulement n\u00e9cessaires d\u2019un point de vue m\u00e9dical mais permettent \u00e9galement d\u2019avoir plus de confiance en soi. Lors d\u2019un examen (de routine) chez le dentiste, celui-ci peut d\u00e9couvrir un probl\u00e8me \u00e0 une ou plusieurs dents. Une proth\u00e8se ou un implant dentaire peut d\u00e9j\u00e0 co\u00fbter quelques centaines d\u2019euros. Via une police soins dentaires, vous b\u00e9n\u00e9ficiez d\u2019une intervention pour ces frais.\r\n<h4>Besoin d'une information imm\u00e9diate ?<\/h4>\r\n<a class=\"fusion-button beige-button\" href=\"\/fr\/offerte-aanvragen\">Demandez votre offre<\/a>\r\n<ul>\r\n \t<li><span style=\"text-decoration: underline;\"><strong>Atouts d\u2019Ides Ramboer<\/strong><\/span>\r\n<ul>\r\n \t<li>Travail sur mesure<\/li>\r\n \t<li>Facile \u00e0 souscrire<\/li>\r\n \t<li>Conseils sp\u00e9cialis\u00e9s<\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul>\r\n<ul>\r\n \t<li><span style=\"text-decoration: underline;\"><strong>Vaak gestelde vragen<\/strong><\/span>\r\n<ul>\r\n \t<li><strong>Zijn er medische formaliteiten?\r\n<\/strong>Afhankelijk van de keuze van het product is ofwel een medische vragenlijst ofwel een bezoek aan de tandarts nodig.<\/li>\r\n \t<li><strong>Uitsluitingen?\r\n<\/strong>Esthetische behandelingen worden niet vergoed.<strong>\u00a0<\/strong><\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul><\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-a7614f6477949b894 fusion-toggle-has-divider\" style=\"--awb-title-color:#000000;--awb-content-color:#000000;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_a7614f6477949b894\"><a aria-expanded=\"false\" aria-controls=\"a7614f6477949b894\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1691-1\" data-target=\"#a7614f6477949b894\" href=\"#a7614f6477949b894\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Assurance d\u00e9c\u00e8s<\/span><\/a><\/h4><\/div><div id=\"a7614f6477949b894\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_a7614f6477949b894\"><div class=\"panel-body toggle-content fusion-clearfix\">Une assurance d\u00e9c\u00e8s peut prendre la forme d\u2019une assurance solde restant d\u00fb, dans le cadre de laquelle le capital \u00e0 rembourser d\u2019un cr\u00e9dit (hypoth\u00e9caire) est garanti en cas de d\u00e9c\u00e8s, ou sous forme d\u2019assurance temporaire, dans le cadre de laquelle un capital constant ou d\u00e9gressif est garanti en cas de d\u00e9c\u00e8s.\r\n<h4>Besoin d'une information imm\u00e9diate ?<\/h4>\r\n<a class=\"fusion-button beige-button\" href=\"\/fr\/offerte-aanvragen\">Demandez votre offre<\/a>\r\n<ul>\r\n \t<li><span style=\"text-decoration: underline;\"><strong>Atouts d\u2019Ides Ramboer<\/strong><\/span>\r\n<ul>\r\n \t<li>Travail sur mesure<\/li>\r\n \t<li>Conseils sp\u00e9cialis\u00e9s<\/li>\r\n \t<li>Ind\u00e9pendant<\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs\" role=\"tablist\"><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-21f82c2fd0e529f5a46\" aria-selected=\"false\" tabindex=\"-1\" id=\"mobile-fusion-tab-pension\" href=\"#tab-21f82c2fd0e529f5a46\"><h4 class=\"fusion-tab-heading\">Pension<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-pension\" id=\"tab-21f82c2fd0e529f5a46\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 fusion_builder_column_1_1 1_1 fusion-flex-column toggle-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-flex-grow:0;--awb-flex-shrink:0;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-flex-grow-medium:0;--awb-flex-shrink-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-flex-grow-small:0;--awb-flex-shrink-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-14 fusion-title-text fusion-title-size-three\"><div class=\"title-sep-container title-sep-container-left fusion-no-large-visibility fusion-no-medium-visibility fusion-no-small-visibility\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><span class=\"awb-title-spacer fusion-no-large-visibility fusion-no-medium-visibility fusion-no-small-visibility\"><\/span><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:16;--minFontSize:16;line-height:1.5;\">Pension<\/h3><span class=\"awb-title-spacer\"><\/span><div class=\"title-sep-container title-sep-container-right\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><\/div><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:13px;--awb-content-font-size:13px;--awb-icon-alignment:left;--awb-hover-color:#f9f9f9;--awb-border-color:#cccccc;--awb-background-color:#ffffff;--awb-divider-color:#e0dede;--awb-divider-hover-color:#e0dede;--awb-icon-color:#ffffff;--awb-title-color:#000000;--awb-content-color:#000000;--awb-icon-box-color:#333333;--awb-toggle-hover-accent-color:#a0ce4e;--awb-title-font-family:&quot;Antic Slab&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-content-font-family:&quot;PT Sans&quot;;--awb-content-font-style:normal;--awb-content-font-weight:400;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-1691-2\"><div class=\"fusion-panel panel-default panel-47b396402b6e157d7 fusion-toggle-has-divider\" style=\"--awb-title-color:#000000;--awb-content-color:#000000;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_47b396402b6e157d7\"><a aria-expanded=\"false\" aria-controls=\"47b396402b6e157d7\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1691-2\" data-target=\"#47b396402b6e157d7\" href=\"#47b396402b6e157d7\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">PLCI \u2013 Pension Libre Compl\u00e9mentaire pour Ind\u00e9pendants<\/span><\/a><\/h4><\/div><div id=\"47b396402b6e157d7\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_47b396402b6e157d7\"><div class=\"panel-body toggle-content fusion-clearfix\">Avec une Pension Libre Compl\u00e9mentaire pour Ind\u00e9pendants, vous pouvez vous constituer une pension d\u2019une mani\u00e8re fiscalement int\u00e9ressante. Les versements rapportent un avantage fiscal de plus de 50% dans l\u2019imp\u00f4t des personnes physiques et la r\u00e9serve \u00e9pargn\u00e9e est vers\u00e9e \u00e0 l\u2019\u00e2ge de la retraite. Une telle police peut \u00e9galement comprendre des garanties compl\u00e9mentaires comme l\u2019incapacit\u00e9 de travail, l\u2019exon\u00e9ration de prime et le capital d\u00e9c\u00e8s (apr\u00e8s accident). Cette combinaison permet d'obtenir une prime avantageuse pour le Revenu Garanti.\r\n<h4>Besoin d'une information imm\u00e9diate ?<\/h4>\r\n<a class=\"fusion-button beige-button\" href=\"\/fr\/offerte-aanvragen\">Demandez votre offre<\/a> <a class=\"fusion-button\" href=\"https:\/\/idesramboer.be\/wp-content\/uploads\/2023\/09\/FORMULIER_Offerteaanvraag_leven_VAPZ.pdf\" target=\"_blank\" rel=\"noopener\" download=\"\">Download document<\/a>\r\n<ul>\r\n \t<li><span style=\"text-decoration: underline;\"><strong>Atouts d\u2019Ides Ramboer<\/strong><\/span>\r\n<ul>\r\n \t<li>\u00c9laboration d\u2019un plan social personnel sur mesure<\/li>\r\n \t<li>Garantit votre continuit\u00e9 financi\u00e8re et votre s\u00e9curit\u00e9 ainsi que celle de votre m\u00e9nage<\/li>\r\n \t<li>Suivi et optimisation annuels<\/li>\r\n \t<li>Excellent plan d\u2019\u00e9pargne fiscal<\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul>\r\n<ul>\r\n \t<li><span style=\"text-decoration: underline;\"><strong>Questions fr\u00e9quentes<\/strong><\/span>\r\n<ul>\r\n \t<li><strong>Doit-on reverser chaque ann\u00e9e la prime maximale ?<\/strong>\r\nNon, vous pouvez d\u00e9terminer vous-m\u00eame si\/et quelle prime vous versez au cours d\u2019une ann\u00e9e d\u00e9termin\u00e9e, en tenant \u00e9videmment compte des limites maximales.<\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul>\r\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-4461ba8cd39b79662 fusion-toggle-has-divider\" style=\"--awb-title-color:#000000;--awb-content-color:#000000;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_4461ba8cd39b79662\"><a aria-expanded=\"false\" aria-controls=\"4461ba8cd39b79662\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1691-2\" data-target=\"#4461ba8cd39b79662\" href=\"#4461ba8cd39b79662\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">EIP - Engagement Individuel de Pension<\/span><\/a><\/h4><\/div><div id=\"4461ba8cd39b79662\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_4461ba8cd39b79662\"><div class=\"panel-body toggle-content fusion-clearfix\">Si vous avez une soci\u00e9t\u00e9, vous pouvez, en tant que chef d\u2019entreprise ind\u00e9pendant, constituer une pension extral\u00e9gale qui est financ\u00e9e par votre soci\u00e9t\u00e9. L\u2019EIP est une assurance vie pour laquelle le chef d\u2019entreprise est d\u00e9sign\u00e9 directement comme b\u00e9n\u00e9ficiaire. L\u2019engagement individuel de pension externe permet un \"pack pension sur mesure\" pour chaque chef d\u2019entreprise individuel\u00a0: le montant des primes, la mani\u00e8re d\u2019investir les r\u00e9serves de pension et les garanties compl\u00e9mentaires peuvent \u00eatre personnalis\u00e9s, \u00e9videmment toujours au sein du cadre fiscal l\u00e9gal.\r\n<h4>Besoin d'une information imm\u00e9diate ?<\/h4>\r\n<a class=\"fusion-button beige-button\" href=\"\/fr\/offerte-aanvragen\">Demandez votre offre<\/a> <a class=\"fusion-button\" href=\"https:\/\/idesramboer.be\/wp-content\/uploads\/2023\/09\/FORMULIER_Offerteaanvraag_leven_IPT.docx\" target=\"_blank\" rel=\"noopener\" download=\"\">Download document<\/a>\r\n<ul>\r\n \t<li><span style=\"text-decoration: underline;\"><strong>Atouts d\u2019Ides Ramboer<\/strong><\/span>\r\n<ul>\r\n \t<li>Possibilit\u00e9 de versement d\u2019une cotisation de rattrapage (backservice)<\/li>\r\n \t<li>Fiscalement d\u00e9ductible dans le cadre de la r\u00e8gle des 80%<\/li>\r\n \t<li>Constitution d\u2019une pension extral\u00e9gale d\u2019une mani\u00e8re fiscalement int\u00e9ressante pour le chef d\u2019entreprise<\/li>\r\n \t<li>Garanties compl\u00e9mentaires possibles : couverture d\u00e9c\u00e8s, revenu garanti, exon\u00e9ration de prime, ...<\/li>\r\n \t<li>Travail sur mesure<\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul>\r\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-334574edc22f8a7bd fusion-toggle-has-divider\" style=\"--awb-title-color:#000000;--awb-content-color:#000000;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_334574edc22f8a7bd\"><a aria-expanded=\"false\" aria-controls=\"334574edc22f8a7bd\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1691-2\" data-target=\"#334574edc22f8a7bd\" href=\"#334574edc22f8a7bd\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">CPTI - Convention de Pension Travailleurs Ind\u00e9pendants<\/span><\/a><\/h4><\/div><div id=\"334574edc22f8a7bd\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_334574edc22f8a7bd\"><div class=\"panel-body toggle-content fusion-clearfix\">Formule d\u2019\u00e9pargne dans le cadre de laquelle l\u2019ind\u00e9pendant sans soci\u00e9t\u00e9 peut constituer un capital pension compl\u00e9mentaire. La police peut \u00e9galement comprendre des garanties compl\u00e9mentaires\u00a0: incapacit\u00e9 de travail, exon\u00e9ration de prime, capital d\u00e9c\u00e8s (apr\u00e8s accident). Il s\u2019agit d\u2019une police compl\u00e9mentaire id\u00e9ale pour ceux qui ont d\u00e9j\u00e0 optimis\u00e9 fiscalement leur police PLCI.\r\n<h4>Besoin d'une information imm\u00e9diate ?<\/h4>\r\n<a class=\"fusion-button beige-button\" href=\"\/fr\/offerte-aanvragen\">Demandez votre offre<\/a>\r\n<ul>\r\n \t<li><span style=\"text-decoration: underline;\"><strong>Atouts d\u2019Ides Ramboer<\/strong><\/span>\r\n<ul>\r\n \t<li>\u00c9laboration d\u2019un plan personnel sur mesure<\/li>\r\n \t<li>Suivi et optimisation annuels<\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul>\r\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-93e8ac6a3b83d019d fusion-toggle-has-divider\" style=\"--awb-title-color:#000000;--awb-content-color:#000000;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_93e8ac6a3b83d019d\"><a aria-expanded=\"false\" aria-controls=\"93e8ac6a3b83d019d\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1691-2\" data-target=\"#93e8ac6a3b83d019d\" href=\"#93e8ac6a3b83d019d\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">\u00c9pargne \u00e0 long terme<\/span><\/a><\/h4><\/div><div id=\"93e8ac6a3b83d019d\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_93e8ac6a3b83d019d\"><div class=\"panel-body toggle-content fusion-clearfix\">Vous savez que vos revenus baisseront consid\u00e9rablement \u00e0 partir de l\u2019\u00e2ge de la pension\u00a0; planifiez donc d\u00e8s maintenant votre avenir et commencez d\u00e8s aujourd\u2019hui \u00e0 constituer une pension compl\u00e9mentaire. Gr\u00e2ce \u00e0 l\u2019\u00e9pargne \u00e0 long terme, vous constituez une pension compl\u00e9mentaire et vous b\u00e9n\u00e9ficiez d\u2019une \u00e9conomie r\u00e9elle d\u2019imp\u00f4t de 30%. Quand l\u2019emprunt hypoth\u00e9caire de votre logement est rembours\u00e9 et l\u2019avantage fiscal ne s'applique plus, vous pouvez encore d\u00e9buter l\u2019\u00e9pargne \u00e0 long terme.\r\n<h4>Besoin d'une information imm\u00e9diate ?<\/h4>\r\n<a class=\"fusion-button beige-button\" href=\"\/fr\/offerte-aanvragen\">Demandez votre offre<\/a>\r\n<ul>\r\n \t<li><span style=\"text-decoration: underline;\"><strong>Atouts d\u2019Ides Ramboer<\/strong><\/span>\r\n<ul>\r\n \t<li>Travail sur mesure<\/li>\r\n \t<li>Conseils sp\u00e9cialis\u00e9s<\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul>\r\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-09661a106ea9781c6 fusion-toggle-has-divider\" style=\"--awb-title-color:#000000;--awb-content-color:#000000;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_09661a106ea9781c6\"><a aria-expanded=\"false\" aria-controls=\"09661a106ea9781c6\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1691-2\" data-target=\"#09661a106ea9781c6\" href=\"#09661a106ea9781c6\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">\u00c9pargne-pension<\/span><\/a><\/h4><\/div><div id=\"09661a106ea9781c6\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_09661a106ea9781c6\"><div class=\"panel-body toggle-content fusion-clearfix\">\u00c9pargner pour votre pension d\u2019une mani\u00e8re fiscalement int\u00e9ressante Tout contribuable peut commencer une telle police. Les versements rapportent un avantage fiscal via l\u2019imp\u00f4t des personnes physiques.\r\n<h4>Besoin d'une information imm\u00e9diate ?<\/h4>\r\n<a class=\"fusion-button beige-button\" href=\"\/fr\/offerte-aanvragen\">Demandez votre offre<\/a>\r\n<ul>\r\n \t<li><span style=\"text-decoration: underline;\"><strong>Atouts d\u2019Ides Ramboer<\/strong><\/span>\r\n<ul>\r\n \t<li>Travail sur mesure<\/li>\r\n \t<li>Conseils sp\u00e9cialis\u00e9s<\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul>\r\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs\" role=\"tablist\"><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-4c8ffe9b2869a69bee5\" aria-selected=\"false\" tabindex=\"-1\" id=\"mobile-fusion-tab-mat\u00e9rielet\u00e9lectronique\" href=\"#tab-4c8ffe9b2869a69bee5\"><h4 class=\"fusion-tab-heading\">Mat\u00e9riel et \u00e9lectronique<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-mat\u00e9rielet\u00e9lectronique\" id=\"tab-4c8ffe9b2869a69bee5\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-8 fusion_builder_column_1_1 1_1 fusion-flex-column toggle-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-flex-grow:0;--awb-flex-shrink:0;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-flex-grow-medium:0;--awb-flex-shrink-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-flex-grow-small:0;--awb-flex-shrink-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-15 fusion-title-text fusion-title-size-three\"><div class=\"title-sep-container title-sep-container-left fusion-no-large-visibility fusion-no-medium-visibility fusion-no-small-visibility\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><span class=\"awb-title-spacer fusion-no-large-visibility fusion-no-medium-visibility fusion-no-small-visibility\"><\/span><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:16;--minFontSize:16;line-height:1.5;\">Mat\u00e9riel et \u00e9lectronique<\/h3><span class=\"awb-title-spacer\"><\/span><div class=\"title-sep-container title-sep-container-right\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><\/div><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:13px;--awb-content-font-size:13px;--awb-icon-alignment:left;--awb-hover-color:#f9f9f9;--awb-border-color:#cccccc;--awb-background-color:#ffffff;--awb-divider-color:#e0dede;--awb-divider-hover-color:#e0dede;--awb-icon-color:#ffffff;--awb-title-color:#000000;--awb-content-color:#000000;--awb-icon-box-color:#333333;--awb-toggle-hover-accent-color:#a0ce4e;--awb-title-font-family:&quot;Antic Slab&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-content-font-family:&quot;PT Sans&quot;;--awb-content-font-style:normal;--awb-content-font-weight:400;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-1691-3\"><div class=\"fusion-panel panel-default panel-c80f5bff537f0809f fusion-toggle-has-divider\" style=\"--awb-title-color:#000000;--awb-content-color:#000000;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_c80f5bff537f0809f\"><a aria-expanded=\"false\" aria-controls=\"c80f5bff537f0809f\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1691-3\" data-target=\"#c80f5bff537f0809f\" href=\"#c80f5bff537f0809f\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Bris de machine<\/span><\/a><\/h4><\/div><div id=\"c80f5bff537f0809f\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_c80f5bff537f0809f\"><div class=\"panel-body toggle-content fusion-clearfix\">Le bris de machine est une assurance qui est souscrite par le propri\u00e9taire ou l\u2019utilisateur. Cette garantie doit au moins \u00eatre pr\u00e9vue pour des machines ou des appareils qui sont essentiels pour le fonctionnement de votre entreprise ou impliquent un grand pr\u00e9judice financier. Cette assurance peut \u00eatre conclue pour des machines individuelles ou pour le parc de machines complet de l\u2019entreprise.\r\n<h4>Besoin d'une information imm\u00e9diate ?<\/h4>\r\n<a class=\"fusion-button beige-button\" href=\"\/fr\/offerte-aanvragen\">Demandez votre offre<\/a>\r\n<ul>\r\n \t<li><span style=\"text-decoration: underline;\"><strong>Atouts d\u2019Ides Ramboer<\/strong><\/span>\r\n<ul>\r\n \t<li>Couverture Tous risques<\/li>\r\n \t<li>Travail sur mesure<\/li>\r\n \t<li>Conseils sp\u00e9cialis\u00e9s<\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul><\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-b64ce778e2c4e0d9f fusion-toggle-has-divider\" style=\"--awb-title-color:#000000;--awb-content-color:#000000;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_b64ce778e2c4e0d9f\"><a aria-expanded=\"false\" aria-controls=\"b64ce778e2c4e0d9f\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1691-3\" data-target=\"#b64ce778e2c4e0d9f\" href=\"#b64ce778e2c4e0d9f\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Tous risques \u00c9lectronique<\/span><\/a><\/h4><\/div><div id=\"b64ce778e2c4e0d9f\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_b64ce778e2c4e0d9f\"><div class=\"panel-body toggle-content fusion-clearfix\">Le mat\u00e9riel informatique est devenu indispensable dans notre soci\u00e9t\u00e9 moderne. Ce mat\u00e9riel devient de plus en plus important et \u00e9volue tr\u00e8s rapidement. Nous proposons des polices d\u2019assurance Tous risques pour\u00a0:\r\n\r\n1) votre mat\u00e9riel informatique (hardware & software) \u00e0 usage professionnel sans inventaire chronophage. Cette police assure \u00e0 la fois le mat\u00e9riel fixe et portable.\r\n\r\n2) Cyber Protection pour les <em><strong>frais de r\u00e9paration de la d\u00e9gradation de donn\u00e9es et de programmes<\/strong><\/em>, la violation de la protection des donn\u00e9es \u00e0 caract\u00e8re personnel et leur communication, et les frais pour l\u2019\u00e9limination des cons\u00e9quences de la tentative de cyberextorsion.\r\n<h4>Besoin d'une information imm\u00e9diate ?<\/h4>\r\n<a class=\"fusion-button beige-button\" href=\"\/fr\/offerte-aanvragen\">Demandez votre offre<\/a>\r\n<ul>\r\n \t<li><span style=\"text-decoration: underline;\"><strong>Atouts d\u2019Ides Ramboer<\/strong><\/span>\r\n<ul>\r\n \t<li>Couverture Tous risques<\/li>\r\n \t<li>Blanket cover (afin que vous ne deviez pas tenir \u00e0 jour un inventaire)<\/li>\r\n \t<li>Prime forfaitaire<\/li>\r\n \t<li>Conseils sp\u00e9cialis\u00e9s<\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul>\r\n<ul>\r\n \t<li><span style=\"text-decoration: underline;\"><strong>Zijn er uitsluitingen?<\/strong><\/span>\r\n<ul>\r\n \t<li>Ja, enkele voorbeelden hieronder:\r\nEsthetische schade\r\nVerdwijningen\r\nOnrechtstreekse schade<\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs\" role=\"tablist\"><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-a6773b2595709a666d8\" aria-selected=\"false\" tabindex=\"-1\" id=\"mobile-fusion-tab-personneletcollaborateurs\" href=\"#tab-a6773b2595709a666d8\"><h4 class=\"fusion-tab-heading\">Personnel et collaborateurs<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-personneletcollaborateurs\" id=\"tab-a6773b2595709a666d8\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-9 fusion_builder_column_1_1 1_1 fusion-flex-column toggle-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-flex-grow:0;--awb-flex-shrink:0;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-flex-grow-medium:0;--awb-flex-shrink-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-flex-grow-small:0;--awb-flex-shrink-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-16 fusion-title-text fusion-title-size-three\"><div class=\"title-sep-container title-sep-container-left fusion-no-large-visibility fusion-no-medium-visibility fusion-no-small-visibility\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><span class=\"awb-title-spacer fusion-no-large-visibility fusion-no-medium-visibility fusion-no-small-visibility\"><\/span><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:16;--minFontSize:16;line-height:1.5;\">Personnel et collaborateurs<\/h3><span class=\"awb-title-spacer\"><\/span><div class=\"title-sep-container title-sep-container-right\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><\/div><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:13px;--awb-content-font-size:13px;--awb-icon-alignment:left;--awb-hover-color:#f9f9f9;--awb-border-color:#cccccc;--awb-background-color:#ffffff;--awb-divider-color:#e0dede;--awb-divider-hover-color:#e0dede;--awb-icon-color:#ffffff;--awb-title-color:#000000;--awb-content-color:#000000;--awb-icon-box-color:#333333;--awb-toggle-hover-accent-color:#a0ce4e;--awb-title-font-family:&quot;Antic Slab&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-content-font-family:&quot;PT Sans&quot;;--awb-content-font-style:normal;--awb-content-font-weight:400;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-1691-4\"><div class=\"fusion-panel panel-default panel-56ebbb8dd84ba9ab9 fusion-toggle-has-divider\" style=\"--awb-title-color:#000000;--awb-content-color:#000000;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_56ebbb8dd84ba9ab9\"><a aria-expanded=\"false\" aria-controls=\"56ebbb8dd84ba9ab9\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1691-4\" data-target=\"#56ebbb8dd84ba9ab9\" href=\"#56ebbb8dd84ba9ab9\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Assurance groupe<\/span><\/a><\/h4><\/div><div id=\"56ebbb8dd84ba9ab9\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_56ebbb8dd84ba9ab9\"><div class=\"panel-body toggle-content fusion-clearfix\">Une assurance groupe est une assurance qui est souscrite par l\u2019entreprise\/l\u2019employeur en faveur d\u2019une cat\u00e9gorie de travailleurs et qui peut garantir, en plus de la constitution d\u2019une pension, \u00e9galement un certain nombre de risques compl\u00e9mentaires (incapacit\u00e9 de travail, couverture d\u00e9c\u00e8s, exon\u00e9ration de prime, ...). Il s\u2019agit d\u2019un avantage extral\u00e9gal que chaque collaborateur peut appr\u00e9cier fortement.\r\n<h4>Besoin d'une information imm\u00e9diate ?<\/h4>\r\n<a class=\"fusion-button beige-button\" href=\"\/fr\/offerte-aanvragen\">Demandez votre offre<\/a>\r\n<ul>\r\n \t<li><span style=\"text-decoration: underline;\"><strong>Atouts d\u2019Ides Ramboer<\/strong><\/span>\r\n<ul>\r\n \t<li>Travail sur mesure sur base du budget de l\u2019entreprise - plan caf\u00e9t\u00e9ria<\/li>\r\n \t<li>Conseils sp\u00e9cialis\u00e9s<\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul><\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-3e526029956326e38 fusion-toggle-has-divider\" style=\"--awb-title-color:#000000;--awb-content-color:#000000;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_3e526029956326e38\"><a aria-expanded=\"false\" aria-controls=\"3e526029956326e38\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1691-4\" data-target=\"#3e526029956326e38\" href=\"#3e526029956326e38\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Assurance accidents du travail<\/span><\/a><\/h4><\/div><div id=\"3e526029956326e38\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_3e526029956326e38\"><div class=\"panel-body toggle-content fusion-clearfix\">Cette assurance est impos\u00e9e par la loi pour chaque entreprise qui emploie du personnel ayant un contrat de travail permanent et fournit une couverture conform\u00e9ment \u00e0 la loi sur les accidents du travail. Aussi bien les accidents du travail pendant l\u2019exercice de l\u2019activit\u00e9 professionnelle que les accidents qui surviennent sur le chemin du travail sont couverts.\r\n<h4>Besoin d'une information imm\u00e9diate ?<\/h4>\r\n<a class=\"fusion-button beige-button\" href=\"\/fr\/offerte-aanvragen\">Demandez votre offre<\/a>\r\n<ul>\r\n \t<li><span style=\"text-decoration: underline;\"><strong>Atouts d\u2019Ides Ramboer<\/strong><\/span>\r\n<ul>\r\n \t<li>Travail sur mesure (couvertures compl\u00e9mentaires pour un maximum extral\u00e9gal, vie priv\u00e9e, ...)<\/li>\r\n \t<li>Conseils sp\u00e9cialis\u00e9s<\/li>\r\n \t<li>T\u00e9l\u00e9travail ou teambuilding \u00e9galement assur\u00e9s<\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul><\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-44bc4402300e330fe fusion-toggle-has-divider\" style=\"--awb-title-color:#000000;--awb-content-color:#000000;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_44bc4402300e330fe\"><a aria-expanded=\"false\" aria-controls=\"44bc4402300e330fe\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1691-4\" data-target=\"#44bc4402300e330fe\" href=\"#44bc4402300e330fe\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Assurance hospitalisation collective<\/span><\/a><\/h4><\/div><div id=\"44bc4402300e330fe\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_44bc4402300e330fe\"><div class=\"panel-body toggle-content fusion-clearfix\">Le vieillissement de la population et l'am\u00e9lioration constante du traitement des patients rendent les factures de plus en plus on\u00e9reuses. Vous pouvez pr\u00e9server votre personnel de cela en proposant une assurance hospitalisation.\r\n<h4>Besoin d'une information imm\u00e9diate ?<\/h4>\r\n<a class=\"fusion-button beige-button\" href=\"\/fr\/offerte-aanvragen\">Demandez votre offre<\/a>\r\n<ul>\r\n \t<li><span style=\"text-decoration: underline;\"><strong>Atouts d\u2019Ides Ramboer<\/strong><\/span>\r\n<ul>\r\n \t<li>Pas de formalit\u00e9s m\u00e9dicales<\/li>\r\n \t<li>Tarif fixe et fortes conditions par le caract\u00e8re collectif de la police<\/li>\r\n \t<li>Diff\u00e9rentes exon\u00e9rations sont possibles<\/li>\r\n \t<li>Les membres du m\u00e9nage (partenaire et enfants) peuvent le cas \u00e9ch\u00e9ant s\u2019affilier et profiter eux aussi des conditions de la police<\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs\" role=\"tablist\"><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-b54ac454b41366fc754\" aria-selected=\"false\" tabindex=\"-1\" id=\"mobile-fusion-tab-responsabilit\u00e9\" href=\"#tab-b54ac454b41366fc754\"><h4 class=\"fusion-tab-heading\">Responsabilit\u00e9 <\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-responsabilit\u00e9\" id=\"tab-b54ac454b41366fc754\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-10 fusion_builder_column_1_1 1_1 fusion-flex-column toggle-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-flex-grow:0;--awb-flex-shrink:0;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-flex-grow-medium:0;--awb-flex-shrink-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-flex-grow-small:0;--awb-flex-shrink-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-17 fusion-title-text fusion-title-size-three\"><div class=\"title-sep-container title-sep-container-left fusion-no-large-visibility fusion-no-medium-visibility fusion-no-small-visibility\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><span class=\"awb-title-spacer fusion-no-large-visibility fusion-no-medium-visibility fusion-no-small-visibility\"><\/span><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:16;--minFontSize:16;line-height:1.5;\">Responsabilit\u00e9<\/h3><span class=\"awb-title-spacer\"><\/span><div class=\"title-sep-container title-sep-container-right\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><\/div><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:13px;--awb-content-font-size:13px;--awb-icon-alignment:left;--awb-hover-color:#f9f9f9;--awb-border-color:#cccccc;--awb-background-color:#ffffff;--awb-divider-color:#e0dede;--awb-divider-hover-color:#e0dede;--awb-icon-color:#ffffff;--awb-title-color:#000000;--awb-content-color:#000000;--awb-icon-box-color:#333333;--awb-toggle-hover-accent-color:#a0ce4e;--awb-title-font-family:&quot;Antic Slab&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-content-font-family:&quot;PT Sans&quot;;--awb-content-font-style:normal;--awb-content-font-weight:400;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-1691-5\"><div class=\"fusion-panel panel-default panel-e737c0ee90779bbf5 fusion-toggle-has-divider\" style=\"--awb-title-color:#000000;--awb-content-color:#000000;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_e737c0ee90779bbf5\"><a aria-expanded=\"false\" aria-controls=\"e737c0ee90779bbf5\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1691-5\" data-target=\"#e737c0ee90779bbf5\" href=\"#e737c0ee90779bbf5\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">RC exploitation et RC apr\u00e8s livraison<\/span><\/a><\/h4><\/div><div id=\"e737c0ee90779bbf5\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_e737c0ee90779bbf5\"><div class=\"panel-body toggle-content fusion-clearfix\">Cette assurance est un must pour chaque entreprise et assure la responsabilit\u00e9 extracontractuelle pour des dommages \u00e0 des tiers caus\u00e9s du fait de l\u2019exercice des activit\u00e9s d\u00e9crites dans la police. Les garanties couvrent \u00e0 la fois les blessures physiques, les dommages mat\u00e9riels et les dommages immat\u00e9riels indirects. La RC apr\u00e8s livraison garantit les dommages \u00e0 des tiers quand ce pr\u00e9judice a lieu apr\u00e8s que le service ou le produit a \u00e9t\u00e9 livr\u00e9.\r\n<h4>Besoin d'une information imm\u00e9diate ?<\/h4>\r\n<a class=\"fusion-button beige-button\" href=\"\/fr\/offerte-aanvragen\">Demandez votre offre<\/a>\r\n<ul>\r\n \t<li><span style=\"text-decoration: underline;\"><strong>Atouts d\u2019Ides Ramboer<\/strong><\/span>\r\n<ul>\r\n \t<li>Travail sur mesure <\/li>\r\n \t<li>Conseils sp\u00e9cialis\u00e9s<\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul><\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-62c48afdf645e0bda fusion-toggle-has-divider\" style=\"--awb-title-color:#000000;--awb-content-color:#000000;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_62c48afdf645e0bda\"><a aria-expanded=\"false\" aria-controls=\"62c48afdf645e0bda\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1691-5\" data-target=\"#62c48afdf645e0bda\" href=\"#62c48afdf645e0bda\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Responsabilit\u00e9 d\u2019administrateur <\/span><\/a><\/h4><\/div><div id=\"62c48afdf645e0bda\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_62c48afdf645e0bda\"><div class=\"panel-body toggle-content fusion-clearfix\">La police responsabilit\u00e9 d\u2019administrateur est souscrite par la soci\u00e9t\u00e9 pour le compte et au profit du\/des administrateur(s) et assure les cons\u00e9quences financi\u00e8res d\u2019erreurs professionnelles pendant l\u2019exercice du mandat d\u2019administrateur, que ce soit ou non via une soci\u00e9t\u00e9 de management.\r\n<h4>Besoin d'une information imm\u00e9diate ?<\/h4>\r\n<a class=\"fusion-button beige-button\" href=\"\/fr\/offerte-aanvragen\">Demandez votre offre<\/a>\r\n<ul>\r\n \t<li><span style=\"text-decoration: underline;\"><strong>Atouts d\u2019Ides Ramboer<\/strong><\/span>\r\n<ul>\r\n \t<li>Travail sur mesure<\/li>\r\n \t<li>Conseils sp\u00e9cialis\u00e9s<\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs\" role=\"tablist\"><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-e2e194b81c1fcaf6742\" aria-selected=\"false\" tabindex=\"-1\" id=\"mobile-fusion-tab-incendie\" href=\"#tab-e2e194b81c1fcaf6742\"><h4 class=\"fusion-tab-heading\">Incendie <\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-incendie\" id=\"tab-e2e194b81c1fcaf6742\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-11 fusion_builder_column_1_1 1_1 fusion-flex-column toggle-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-flex-grow:0;--awb-flex-shrink:0;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-flex-grow-medium:0;--awb-flex-shrink-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-flex-grow-small:0;--awb-flex-shrink-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-18 fusion-title-text fusion-title-size-three\"><div class=\"title-sep-container title-sep-container-left fusion-no-large-visibility fusion-no-medium-visibility fusion-no-small-visibility\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><span class=\"awb-title-spacer fusion-no-large-visibility fusion-no-medium-visibility fusion-no-small-visibility\"><\/span><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:16;--minFontSize:16;line-height:1.5;\">Incendie<\/h3><span class=\"awb-title-spacer\"><\/span><div class=\"title-sep-container title-sep-container-right\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><\/div><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:13px;--awb-content-font-size:13px;--awb-icon-alignment:left;--awb-hover-color:#f9f9f9;--awb-border-color:#cccccc;--awb-background-color:#ffffff;--awb-divider-color:#e0dede;--awb-divider-hover-color:#e0dede;--awb-icon-color:#ffffff;--awb-title-color:#000000;--awb-content-color:#000000;--awb-icon-box-color:#333333;--awb-toggle-hover-accent-color:#a0ce4e;--awb-title-font-family:&quot;Antic Slab&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-content-font-family:&quot;PT Sans&quot;;--awb-content-font-style:normal;--awb-content-font-weight:400;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-1691-6\"><div class=\"fusion-panel panel-default panel-b722d50d72d23be24 fusion-toggle-has-divider\" style=\"--awb-title-color:#000000;--awb-content-color:#000000;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_b722d50d72d23be24\"><a aria-expanded=\"false\" aria-controls=\"b722d50d72d23be24\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1691-6\" data-target=\"#b722d50d72d23be24\" href=\"#b722d50d72d23be24\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Assurance incendie<\/span><\/a><\/h4><\/div><div id=\"b722d50d72d23be24\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_b722d50d72d23be24\"><div class=\"panel-body toggle-content fusion-clearfix\">L\u2019assurance incendie assure les dangers incendie, temp\u00eate et gr\u00eale, catastrophes naturelles, dommages \u00e9lectriques, bris de vitres, collision b\u00e2timent, RC b\u00e2timent, ... C\u2019est valable pour tous les biens immobiliers et mobiliers b\u00e2timent + contenu) dont vous \u00eates propri\u00e9taire, locataire ou utilisateur.\r\n<h4>Besoin d'une information imm\u00e9diate ?<\/h4>\r\n<a class=\"fusion-button beige-button\" href=\"\/fr\/offerte-aanvragen\">Demandez votre offre<\/a> <a class=\"fusion-button\" href=\"https:\/\/idesramboer.be\/wp-content\/uploads\/2023\/12\/8-formulier-varia-opmaak-FR.docx\" target=\"_blank\" rel=\"noopener\" download=\"\">Download document<\/a>\r\n<ul>\r\n \t<li><span style=\"text-decoration: underline;\"><strong>Atouts d\u2019Ides Ramboer<\/strong><\/span>\r\n<ul>\r\n \t<li>Travail sur mesure <\/li>\r\n \t<li>\u2022onseils sp\u00e9cialis\u00e9s<\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul>\r\n<ul>\r\n \t<li><span style=\"text-decoration: underline;\"><strong>Vaak gestelde vragen<\/strong><\/span>\r\n<ul>\r\n \t<li>Hoe wordt de waarde van de woning bepaald?\r\nDit kan via een evaluatierooster gebeuren.<\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul><\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-d9ec1a4fae86a4499 fusion-toggle-has-divider\" style=\"--awb-title-color:#000000;--awb-content-color:#000000;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_d9ec1a4fae86a4499\"><a aria-expanded=\"false\" aria-controls=\"d9ec1a4fae86a4499\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1691-6\" data-target=\"#d9ec1a4fae86a4499\" href=\"#d9ec1a4fae86a4499\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Pertes d\u2019exploitation apr\u00e8s incendie<\/span><\/a><\/h4><\/div><div id=\"d9ec1a4fae86a4499\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_d9ec1a4fae86a4499\"><div class=\"panel-body toggle-content fusion-clearfix\">L\u2019objectif de cette assurance est de remettre l\u2019entreprise assur\u00e9e apr\u00e8s un sinistre dans la m\u00eame situation (financi\u00e8re) que celle dans laquelle l\u2019entreprise se serait trouv\u00e9e si le sinistre n\u2019avait pas eu lieu. Les montants \u00e0 assurer sont fix\u00e9s sur base de donn\u00e9es comptables telles que le chiffre d\u2019affaires, les frais fixes\/variables, etc. et couvrent des frais comme par ex. une location temporaire pendant les travaux de r\u00e9paration de l\u2019immeuble endommag\u00e9.\r\n<h4>Besoin d'une information imm\u00e9diate ?<\/h4>\r\n<a class=\"fusion-button beige-button\" href=\"\/fr\/offerte-aanvragen\">Demandez votre offre<\/a>\r\n<ul>\r\n \t<li><span style=\"text-decoration: underline;\"><strong>Atouts d\u2019Ides Ramboer<\/strong><\/span>\r\n<ul>\r\n \t<li>Travail sur mesure<\/li>\r\n \t<li>Conseils sp\u00e9cialis\u00e9s<\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs\" role=\"tablist\"><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-37c0f7b18d062d63eba\" aria-selected=\"false\" tabindex=\"-1\" id=\"mobile-fusion-tab-v\u00e9hicule,flotteettransport\" href=\"#tab-37c0f7b18d062d63eba\"><h4 class=\"fusion-tab-heading\">V\u00e9hicule, flotte et transport<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-v\u00e9hicule,flotteettransport\" id=\"tab-37c0f7b18d062d63eba\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-12 fusion_builder_column_1_1 1_1 fusion-flex-column toggle-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-flex-grow:0;--awb-flex-shrink:0;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-flex-grow-medium:0;--awb-flex-shrink-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-flex-grow-small:0;--awb-flex-shrink-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-19 fusion-title-text fusion-title-size-three\"><div class=\"title-sep-container title-sep-container-left fusion-no-large-visibility fusion-no-medium-visibility fusion-no-small-visibility\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><span class=\"awb-title-spacer fusion-no-large-visibility fusion-no-medium-visibility fusion-no-small-visibility\"><\/span><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:16;--minFontSize:16;line-height:1.5;\">V\u00e9hicule, flotte et transport<\/h3><span class=\"awb-title-spacer\"><\/span><div class=\"title-sep-container title-sep-container-right\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><\/div><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:13px;--awb-content-font-size:13px;--awb-icon-alignment:left;--awb-hover-color:#f9f9f9;--awb-border-color:#cccccc;--awb-background-color:#ffffff;--awb-divider-color:#e0dede;--awb-divider-hover-color:#e0dede;--awb-icon-color:#ffffff;--awb-title-color:#000000;--awb-content-color:#000000;--awb-icon-box-color:#333333;--awb-toggle-hover-accent-color:#a0ce4e;--awb-title-font-family:&quot;Antic Slab&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-content-font-family:&quot;PT Sans&quot;;--awb-content-font-style:normal;--awb-content-font-weight:400;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-1691-7\"><div class=\"fusion-panel panel-default panel-ef77d0a8641b84ef4 fusion-toggle-has-divider\" style=\"--awb-title-color:#000000;--awb-content-color:#000000;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_ef77d0a8641b84ef4\"><a aria-expanded=\"false\" aria-controls=\"ef77d0a8641b84ef4\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1691-7\" data-target=\"#ef77d0a8641b84ef4\" href=\"#ef77d0a8641b84ef4\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Assurance auto<\/span><\/a><\/h4><\/div><div id=\"ef77d0a8641b84ef4\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_ef77d0a8641b84ef4\"><div class=\"panel-body toggle-content fusion-clearfix\">Pour chaque v\u00e9hicule \u00e0 moteur que vous mettez en circulation, il est l\u00e9galement obligatoire d\u2019assurer la responsabilit\u00e9 civile via l\u2019assurance RC, qui indemnise la partie adverse si vous \u00eates responsable d\u2019un accident. Les dommages que vous subissez \u00e0 votre propre v\u00e9hicule peuvent \u00eatre assur\u00e9s via une omnium compl\u00e8te. Nous proposons \u00e9galement la \u2018petite omnium\u2019 (catastrophes naturelles, incendie, vol et bris de vitres).\r\n<h4>Besoin d'une information imm\u00e9diate ?<\/h4>\r\n<a class=\"fusion-button beige-button\" href=\"\/fr\/offerte-aanvragen\">Demandez votre offre<\/a> <a class=\"fusion-button\" href=\"https:\/\/idesramboer.be\/wp-content\/uploads\/2023\/12\/6-Questionnaire-automobile-Frans.docx\" target=\"_blank\" rel=\"noopener\" download=\"\">Download document<\/a>\r\n<ul>\r\n \t<li><span style=\"text-decoration: underline;\"><strong>Atouts d\u2019Ides Ramboer<\/strong><\/span>\r\n<ul>\r\n \t<li>Travail sur mesure <\/li>\r\n \t<li>Conseils sp\u00e9cialis\u00e9s<\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul><\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-36ed0f661209e810b fusion-toggle-has-divider\" style=\"--awb-title-color:#000000;--awb-content-color:#000000;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_36ed0f661209e810b\"><a aria-expanded=\"false\" aria-controls=\"36ed0f661209e810b\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1691-7\" data-target=\"#36ed0f661209e810b\" href=\"#36ed0f661209e810b\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Police Circulation<\/span><\/a><\/h4><\/div><div id=\"36ed0f661209e810b\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_36ed0f661209e810b\"><div class=\"panel-body toggle-content fusion-clearfix\">Si vous provoquez un accident en faute en tant que conducteur d\u2019un v\u00e9hicule et que vous \u00eates vous-m\u00eame \u00e9galement bless\u00e9, vous n\u2019\u00eates pas assur\u00e9 via l\u2019assurance auto ordinaire pour vos dommages corporels. Via une police circulation, vous vous assurez d\u2019une indemnisation en cas de d\u00e9c\u00e8s, d\u2019invalidit\u00e9 permanente ou temporaire et de frais m\u00e9dicaux apr\u00e8s un accident de la circulation.\r\n<h4>Besoin d'une information imm\u00e9diate ?<\/h4>\r\n<a class=\"fusion-button beige-button\" href=\"\/fr\/offerte-aanvragen\">Demandez votre offre<\/a>\r\n<ul>\r\n \t<li><span style=\"text-decoration: underline;\"><strong>Atouts d\u2019Ides Ramboer<\/strong><\/span>\r\n<ul>\r\n \t<li>Travail sur mesure <\/li>\r\n \t<li>Conseils sp\u00e9cialis\u00e9s<\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul><\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-525048867e4ff9b7f fusion-toggle-has-divider\" style=\"--awb-title-color:#000000;--awb-content-color:#000000;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_525048867e4ff9b7f\"><a aria-expanded=\"false\" aria-controls=\"525048867e4ff9b7f\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1691-7\" data-target=\"#525048867e4ff9b7f\" href=\"#525048867e4ff9b7f\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Assurance transport<\/span><\/a><\/h4><\/div><div id=\"525048867e4ff9b7f\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_525048867e4ff9b7f\"><div class=\"panel-body toggle-content fusion-clearfix\">Assurance qui assure les dommages aux biens provoqu\u00e9s pendant le transport et couvre la responsabilit\u00e9 en tant que transporteur. Des extensions au sein de la police sont possibles pour des dommages \u00e0 des conteneurs ou semi-remorques confi\u00e9s, des dommages dus au chargement ou au d\u00e9chargement, etc.\r\n<h4>Besoin d'une information imm\u00e9diate ?<\/h4>\r\n<a class=\"fusion-button beige-button\" href=\"\/fr\/offerte-aanvragen\">Demandez votre offre<\/a>\r\n<ul>\r\n \t<li><span style=\"text-decoration: underline;\"><strong>Atouts d\u2019Ides Ramboer<\/strong><\/span>\r\n<ul>\r\n \t<li>Travail sur mesure <\/li>\r\n \t<li>Conseils sp\u00e9cialis\u00e9s<\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs\" role=\"tablist\"><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-ecc99afe74090aefe33\" aria-selected=\"false\" tabindex=\"-1\" id=\"mobile-fusion-tab-assistance\" href=\"#tab-ecc99afe74090aefe33\"><h4 class=\"fusion-tab-heading\">Assistance<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-assistance\" id=\"tab-ecc99afe74090aefe33\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-13 fusion_builder_column_1_1 1_1 fusion-flex-column toggle-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-flex-grow:0;--awb-flex-shrink:0;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-flex-grow-medium:0;--awb-flex-shrink-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-flex-grow-small:0;--awb-flex-shrink-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-20 fusion-title-text fusion-title-size-three\"><div class=\"title-sep-container title-sep-container-left fusion-no-large-visibility fusion-no-medium-visibility fusion-no-small-visibility\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><span class=\"awb-title-spacer fusion-no-large-visibility fusion-no-medium-visibility fusion-no-small-visibility\"><\/span><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:16;--minFontSize:16;line-height:1.5;\">Assistance<\/h3><span class=\"awb-title-spacer\"><\/span><div class=\"title-sep-container title-sep-container-right\"><div class=\"title-sep sep-double sep-solid\" style=\"border-color:#e0dede;\"><\/div><\/div><\/div><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:13px;--awb-content-font-size:13px;--awb-icon-alignment:left;--awb-hover-color:#f9f9f9;--awb-border-color:#cccccc;--awb-background-color:#ffffff;--awb-divider-color:#e0dede;--awb-divider-hover-color:#e0dede;--awb-icon-color:#ffffff;--awb-title-color:#000000;--awb-content-color:#000000;--awb-icon-box-color:#333333;--awb-toggle-hover-accent-color:#a0ce4e;--awb-title-font-family:&quot;Antic Slab&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-content-font-family:&quot;PT Sans&quot;;--awb-content-font-style:normal;--awb-content-font-weight:400;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-1691-8\"><div class=\"fusion-panel panel-default panel-01c735ae8a6ee12fb fusion-toggle-has-divider\" style=\"--awb-title-color:#000000;--awb-content-color:#000000;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_01c735ae8a6ee12fb\"><a aria-expanded=\"false\" aria-controls=\"01c735ae8a6ee12fb\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1691-8\" data-target=\"#01c735ae8a6ee12fb\" href=\"#01c735ae8a6ee12fb\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Assistance juridique<\/span><\/a><\/h4><\/div><div id=\"01c735ae8a6ee12fb\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_01c735ae8a6ee12fb\"><div class=\"panel-body toggle-content fusion-clearfix\">Assistance par la compagnie d\u2019assurance en cas de doute \u00e0 propos de la responsabilit\u00e9 et des dommages. Libert\u00e9 de choix de l\u2019avocat et la compagnie d\u2019assurance prend les frais \u00e0 charge pour la d\u00e9fense de vos int\u00e9r\u00eats (frais de justice, honoraires d\u2019avocats, etc. ...)\r\n<h4besoin d'une=\"\" information=\"\" imm\u00e9diate=\"\" ?<=\"\" h4=\"\">\r\n<a class=\"fusion-button beige-button\" href=\"\/fr\/offerte-aanvragen\">Demandez votre offre<\/a> <a class=\"fusion-button\" href=\"https:\/\/idesramboer.be\/wp-content\/uploads\/2023\/12\/8-formulier-varia-opmaak-FR.docx\" target=\"_blank\" rel=\"noopener\" download=\"\">Download document<\/a>\r\n<ul>\r\n \t<li><span style=\"text-decoration: underline;\"><strong>Atouts d\u2019Ides Ramboer<\/strong><\/span>\r\n<ul>\r\n \t<li>Libert\u00e9 de choix de l\u2019avocat<\/li>\r\n \t<li>Couverture via une compagnie d\u2019assurance ind\u00e9pendante<\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul><\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-048f4c4f5df6297e5 fusion-toggle-has-divider\" style=\"--awb-title-color:#000000;--awb-content-color:#000000;\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_048f4c4f5df6297e5\"><a aria-expanded=\"false\" aria-controls=\"048f4c4f5df6297e5\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1691-8\" data-target=\"#048f4c4f5df6297e5\" href=\"#048f4c4f5df6297e5\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Assistance voyage - d\u00e9pannage<\/span><\/a><\/h4><\/div><div id=\"048f4c4f5df6297e5\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_048f4c4f5df6297e5\"><div class=\"panel-body toggle-content fusion-clearfix\">Cette police couvre (en option)\u00a0:\r\n<ul>\r\n \t<li style=\"list-style-type: none;\">\r\n<ul>\r\n \t<li>l\u2019assistance aux personnes avec notamment une indemnisation pour les frais m\u00e9dicaux \u00e0 l\u2019\u00e9tranger, le rapatriement en cas de maladie, d\u2019accident ou de d\u00e9c\u00e8s, la prolongation du s\u00e9jour pour des raisons m\u00e9dicales, le retour anticip\u00e9 pour des motifs imp\u00e9rieux, etc.<\/li>\r\n \t<li>l\u2019assistance aux v\u00e9hicules avec notamment le d\u00e9pannage et le remorquage, le rapatriement du v\u00e9hicule avec passagers et bagages, la\/les nuit\u00e9e(s) suppl\u00e9mentaire(s) en cas de vol ou de r\u00e9paration sur place, l'envoi de pi\u00e8ces de rechange, etc. <\/li>\r\n \t<li>\u00e9ventuellement des garanties plus larges comme l\u2019assurance annulation, la couverture accidents, voyage de compensation, etc.<\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul>\r\n<h4>Besoin d'une information imm\u00e9diate ?<\/h4>\r\n<a class=\"fusion-button beige-button\" href=\"\/fr\/offerte-aanvragen\">Demandez votre offre<\/a> <a class=\"fusion-button\" href=\"https:\/\/idesramboer.be\/wp-content\/uploads\/2023\/12\/8-formulier-varia-opmaak-FR.docx\" target=\"_blank\" rel=\"noopener\" download=\"\">Download document<\/a>\r\n<ul>\r\n \t<li><span style=\"text-decoration: underline;\"><strong>Atouts d\u2019Ides Ramboer<\/strong><\/span>\r\n<ul>\r\n \t<li>Travail sur mesure<\/li>\r\n \t<li>Possibilit\u00e9 de police annuelle ou d\u2019un voyage unique<\/li>\r\n \t<li>Vacances sans souci<\/li>\r\n \t<li>Conseils sp\u00e9cialis\u00e9s<\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul><\/div><\/div><\/div><\/h4besoin><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-14 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-flex-grow:0;--awb-flex-shrink:0;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-flex-grow-medium:0;--awb-flex-shrink-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-flex-grow-small:0;--awb-flex-shrink-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-tabs fusion-tabs-3 classic vertical-tabs icon-position-left mobile-mode-accordion\" style=\"--awb-title-border-radius-top-left:0px;--awb-title-border-radius-top-right:0px;--awb-title-border-radius-bottom-right:0px;--awb-title-border-radius-bottom-left:0px;--awb-alignment:start;--awb-inactive-color:#ebeaea;--awb-background-color:#ffffff;--awb-border-color:#ebeaea;--awb-active-border-color:#000000;\" id=\"bouwheren\"><div class=\"nav\"><ul class=\"nav-tabs\" role=\"tablist\"><li class=\"active\" role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-e99c50ccf7ba2059729\" aria-selected=\"true\" id=\"fusion-tab-trc\" href=\"#tab-e99c50ccf7ba2059729\"><h4 class=\"fusion-tab-heading\">TRC<\/h4><\/a><\/li><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-02a8e72c65fae013799\" aria-selected=\"false\" tabindex=\"-1\" id=\"fusion-tab-responsabilit\u00e9d\u00e9cennaleconstructiondelogement\" href=\"#tab-02a8e72c65fae013799\"><h4 class=\"fusion-tab-heading\">Responsabilit\u00e9 d\u00e9cennale construction de logement<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-content\"><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs\" role=\"tablist\"><li class=\"active\" role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-e99c50ccf7ba2059729\" aria-selected=\"true\" id=\"mobile-fusion-tab-trc\" href=\"#tab-e99c50ccf7ba2059729\"><h4 class=\"fusion-tab-heading\">TRC<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix in active\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-trc\" id=\"tab-e99c50ccf7ba2059729\">\n<h3>TRC<\/h3>\n<p>La police Tous Risques Chantier assure les travaux pendant votre processus de construction\/transformation.<\/p>\n<p>La construction ou la transformation est un \u00e9v\u00e9nement complexe. De nombreuses parties diff\u00e9rentes sont impliqu\u00e9es dans le processus de construction. En cas de sinistre, il n\u2019est pas toujours \u00e9vident de d\u00e9terminer la cause exacte d\u2019un pr\u00e9judice. Il arrive \u00e9galement souvent qu\u2019il ne soit pas clair qui pr\u00e9cis\u00e9ment sur le chantier a caus\u00e9 le sinistre.<\/p>\n<p>Une police TRC garantit une r\u00e9paration ou reconstruction rapide quelles que soient les discussions \u00e9ventuelles en mati\u00e8re de responsabilit\u00e9. \u00c9galement lorsqu\u2019un entrepreneur du march\u00e9 dispara\u00eet ou fait faillite, la police TRC interviendra. Le ma\u00eetre d\u2019ouvrage couvre ainsi donc son propre risque financier.<\/p>\n<h4>Besoin d&rsquo;une information imm\u00e9diate ?<\/h4>\n<p><a class=\"fusion-button\" href=\"https:\/\/idesramboer.be\/wp-content\/uploads\/2023\/12\/4-Questionnaire-TRC-police-globale-resp-decennale-Frans.docx\" target=\"_blank\" rel=\"noopener\" download=\"\">Download document<\/a> <a class=\"fusion-button\" href=\"https:\/\/idesramboer.be\/fr\/offre-trc\/\">Remplir votre offre en ligne<\/a><\/p>\n<ul>\n<li><span style=\"text-decoration: underline;\"><strong>Atouts d\u2019Ides Ramboer<\/strong><\/span>\n<ul>\n<li>Travail sur mesure avec une large couverture pendant le processus de construction complet<\/li>\n<li>\u00c9tude de march\u00e9 aupr\u00e8s de plusieurs assureurs<\/li>\n<li>Conseils sp\u00e9cialis\u00e9s<\/li>\n<li>R\u00e8glement rapide en cas de sinistre<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs\" role=\"tablist\"><li role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-02a8e72c65fae013799\" aria-selected=\"false\" tabindex=\"-1\" id=\"mobile-fusion-tab-responsabilit\u00e9d\u00e9cennaleconstructiondelogement\" href=\"#tab-02a8e72c65fae013799\"><h4 class=\"fusion-tab-heading\">Responsabilit\u00e9 d\u00e9cennale construction de logement<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-responsabilit\u00e9d\u00e9cennaleconstructiondelogement\" id=\"tab-02a8e72c65fae013799\">\n<h3>Responsabilit\u00e9 d\u00e9cennale construction de logement<\/h3>\n<p>La responsabilit\u00e9 d\u00e9cennale de diff\u00e9rents professionnels de la construction peut \u00eatre assur\u00e9e dans une police de projet globale.<\/p>\n<h4>Besoin d&rsquo;une information imm\u00e9diate ?<\/h4>\n<p><a class=\"fusion-button\" href=\"https:\/\/idesramboer.be\/wp-content\/uploads\/2023\/12\/4-Questionnaire-TRC-police-globale-resp-decennale-Frans.docx\" target=\"_blank\" rel=\"noopener\" download=\"\">Download document<\/a> <a class=\"fusion-button\" href=\"https:\/\/idesramboer.be\/fr\/offre-trc\/\">Remplir votre offre en ligne<\/a><\/p>\n<ul>\n<li><span style=\"text-decoration: underline;\"><strong>Qu&rsquo;implique cette police ?<\/strong><\/span>\n<ul>\n<li>projets r\u00e9sidentiels dont au moins la moiti\u00e9 est destin\u00e9e \u00e0 l\u2019habitation.<\/li>\n<li>qui sont situ\u00e9s en Belgique<\/li>\n<li>dont le permis de construire a \u00e9t\u00e9 d\u00e9livr\u00e9 apr\u00e8s le 30 juin 2018<\/li>\n<li>pour lequel l\u2019intervention d\u2019un architecte est obligatoire<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li><span style=\"text-decoration: underline;\"><strong>\u2022 Si ces conditions sont respect\u00e9es, au moins les professionnels de la construction suivants doivent alors conclure une assurance pour couvrir la responsabilit\u00e9 d\u00e9cennale pour la solidit\u00e9 et la stabilit\u00e9 de votre projet :<\/strong><\/span>\n<ul>\n<li>l\u2019architecte<\/li>\n<li>l\u2019ing\u00e9nieur en stabilit\u00e9<\/li>\n<li>les entrepreneurs qui interviennent dans le gros \u0153uvre ferm\u00e9 (note : les sous-traitants sont selon la loi couverts dans la police de leur entrepreneur principal).<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>Bien que la responsabilit\u00e9 d\u00e9cennale ne commence \u00e0 courir que lors de l\u2019acceptation des travaux, la loi exige que la police soit conclue avant le lancement des travaux.<\/p>\n<p>La responsabilit\u00e9 des \u00a0diff\u00e9rents professionnels de la construction impliqu\u00e9s ou seulement de tous les entrepreneurs de travaux de gros \u0153uvre impliqu\u00e9s peut \u00eatre assur\u00e9e dans une police de projet globale. L\u2019avantage est que la responsabilit\u00e9 d\u00e9cennale pour toutes les parties est assur\u00e9e dans 1 police et que le ma\u00eetre d&rsquo;\u0153uvre conserve lui-m\u00eame le contr\u00f4le sur cette assurance.<br \/>\nUne telle <strong><u>\u2018police globale responsabilit\u00e9 d\u00e9cennale<\/u><\/strong> peut par ex. \u00eatre conclue par un promoteur immobilier ou par un ma\u00eetre d&rsquo;\u0153uvre.<\/p>\n<p>Chaque professionnel de la construction impliqu\u00e9 qui tombe sous le coup de la loi peut \u00e9galement choisir d\u2019assurer cette responsabilit\u00e9 d\u00e9cennale au sein de sa propre police.<\/p>\n<ul>\n<li><span style=\"text-decoration: underline;\"><strong>Atouts d\u2019Ides Ramboer<\/strong><\/span>\n<ul>\n<li>Travail sur mesure<\/li>\n<li>\u00c9tude de march\u00e9 aupr\u00e8s de plusieurs assureurs<\/li>\n<li>Couverture optimale pendant le processus de construction complet<\/li>\n<li>Conseils sp\u00e9cialis\u00e9s<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling iframe-row enige-werf\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1456px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-15 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-flex-grow:0;--awb-flex-shrink:0;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-flex-grow-medium:0;--awb-flex-shrink-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-flex-grow-small:0;--awb-flex-shrink-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><iframe id=\"popup-iframe\" src=\"https:\/\/report.insusoft2020.be:45451\/Enige_werf\" width=\"800\" height=\"600\"><\/iframe><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling iframe-row abr\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1456px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-16 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-flex-grow:0;--awb-flex-shrink:0;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-flex-grow-medium:0;--awb-flex-shrink-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-flex-grow-small:0;--awb-flex-shrink-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><iframe id=\"popup-iframe\" src=\"https:\/\/report.insusoft2020.be:45451\/ABR\" width=\"800\" height=\"600\"><\/iframe><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"footnotes":""},"class_list":["post-1691","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Notre expertise - Ides Ramboer<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/idesramboer.be\/fr\/onze-expertise\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Notre expertise - Ides Ramboer\" \/>\n<meta property=\"og:url\" content=\"https:\/\/idesramboer.be\/fr\/onze-expertise\/\" \/>\n<meta property=\"og:site_name\" content=\"Ides Ramboer\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-03T13:11:58+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data1\" content=\"22 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/idesramboer.be\\\/fr\\\/onze-expertise\\\/\",\"url\":\"https:\\\/\\\/idesramboer.be\\\/fr\\\/onze-expertise\\\/\",\"name\":\"Notre expertise - Ides Ramboer\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/idesramboer.be\\\/#website\"},\"datePublished\":\"2023-06-26T11:19:21+00:00\",\"dateModified\":\"2025-09-03T13:11:58+00:00\",\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/idesramboer.be\\\/fr\\\/onze-expertise\\\/\"]}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/idesramboer.be\\\/#website\",\"url\":\"https:\\\/\\\/idesramboer.be\\\/\",\"name\":\"Ides Ramboer\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/idesramboer.be\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Notre expertise - Ides Ramboer","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/idesramboer.be\/fr\/onze-expertise\/","og_locale":"fr_FR","og_type":"article","og_title":"Notre expertise - Ides Ramboer","og_url":"https:\/\/idesramboer.be\/fr\/onze-expertise\/","og_site_name":"Ides Ramboer","article_modified_time":"2025-09-03T13:11:58+00:00","twitter_card":"summary_large_image","twitter_misc":{"Dur\u00e9e de lecture estim\u00e9e":"22 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/idesramboer.be\/fr\/onze-expertise\/","url":"https:\/\/idesramboer.be\/fr\/onze-expertise\/","name":"Notre expertise - Ides Ramboer","isPartOf":{"@id":"https:\/\/idesramboer.be\/#website"},"datePublished":"2023-06-26T11:19:21+00:00","dateModified":"2025-09-03T13:11:58+00:00","inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/idesramboer.be\/fr\/onze-expertise\/"]}]},{"@type":"WebSite","@id":"https:\/\/idesramboer.be\/#website","url":"https:\/\/idesramboer.be\/","name":"Ides Ramboer","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/idesramboer.be\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"}]}},"_links":{"self":[{"href":"https:\/\/idesramboer.be\/fr\/wp-json\/wp\/v2\/pages\/1691","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/idesramboer.be\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/idesramboer.be\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/idesramboer.be\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/idesramboer.be\/fr\/wp-json\/wp\/v2\/comments?post=1691"}],"version-history":[{"count":26,"href":"https:\/\/idesramboer.be\/fr\/wp-json\/wp\/v2\/pages\/1691\/revisions"}],"predecessor-version":[{"id":2487,"href":"https:\/\/idesramboer.be\/fr\/wp-json\/wp\/v2\/pages\/1691\/revisions\/2487"}],"wp:attachment":[{"href":"https:\/\/idesramboer.be\/fr\/wp-json\/wp\/v2\/media?parent=1691"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}