{"id":3364,"date":"2025-07-03T15:26:45","date_gmt":"2025-07-03T13:26:45","guid":{"rendered":"https:\/\/pierrebarros.fr\/?p=3364"},"modified":"2026-02-19T16:23:44","modified_gmt":"2026-02-19T15:23:44","slug":"les-assurances-des-collectivites-a-quand-une-reelle-prise-en-compte-du-sujet","status":"publish","type":"post","link":"https:\/\/pierrebarros.fr\/index.php\/2025\/07\/03\/les-assurances-des-collectivites-a-quand-une-reelle-prise-en-compte-du-sujet\/","title":{"rendered":"Assurances des collectivit\u00e9s\u00a0: \u00e0 quand une r\u00e9elle prise en compte du sujet\u00a0?"},"content":{"rendered":"\n<h6 class=\"wp-block-heading\">Dans nos collectivit\u00e9s, nous sommes tous tr\u00e8s attentifs \u00e0 la question assurantielle, tant l\u2019ann\u00e9e 2023 a marqu\u00e9 une rupture. Les collectivit\u00e9s font face \u00e0 une forte hausse des r\u00e9siliations de contrats \u00e0 l\u2019initiative unique des assureurs. De m\u00eame, les collectivit\u00e9s sont de plus en plus confront\u00e9es \u00e0 la rar\u00e9faction des offres et \u00e0 une hausse, parfois tr\u00e8s forte, des primes d\u2019assurances. Les conditions de garanties sont, quant \u00e0 elles, particuli\u00e8rement durcies et toutes les collectivit\u00e9s semblent concern\u00e9es par ce nouveau ph\u00e9nom\u00e8ne.<\/h6>\n\n\n\n<p>C\u2019est pourquoi j\u2019ai \u00e9t\u00e9 tr\u00e8s int\u00e9ress\u00e9 et tr\u00e8s attentif \u00e0 la proposition de loi port\u00e9e par Monsieur Husson au S\u00e9nat qui \u00ab&nbsp;visait \u00e0 garantir une solution d\u2019assurance \u00e0 l\u2019ensemble des collectivit\u00e9s territoriales&nbsp;\u00bb.<\/p>\n\n\n\n<p><strong>Cependant, c\u2019est avec regret que j\u2019ai constat\u00e9 que ce texte ne constitue nullement une r\u00e9ponse \u00e0 la crise de l\u2019assurabilit\u00e9 que connaissent nos collectivit\u00e9s locales.<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe title=\"Intervention g\u00e9n\u00e9rale - PPL Assurances des collectivit\u00e9s\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/5FdYGfpghDs?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p>Cette proposition de loi, une nouvelle fois, s\u2019inscrit davantage en r\u00e9action \u00e0 un \u00e9v\u00e9nement : les \u00e9meutes, cons\u00e9cutives \u00e0 la mort de Nahel Merzouk, qui ont \u00e9maill\u00e9 le pays entre le 27 juin et le 05 juillet 2023.<\/p>\n\n\n\n<p>Ce texte vient d\u00e9sormais int\u00e9grer le risque des \u00e9meutes dans les contrats \u201cdommages aux biens\u201d par la cr\u00e9ation d\u2019une nouvelle base de prime et donc par l\u2019\u00e9largissement de l\u2019assiette des cotisations. Or, ce risque, pour les collectivit\u00e9s ayant \u00e9t\u00e9 touch\u00e9es par ces \u00e9meutes, a d\u00e9j\u00e0 \u00e9t\u00e9 int\u00e9gr\u00e9 aux contrats existants par les assurances, et ce par avenant.<\/p>\n\n\n\n<p>Il n\u2019en reste pas moins que certains biens ne sont pas couverts pour la collectivit\u00e9, et que les assurances ne les couvrent pas et les \u00e9cartent par principe. C\u2019est bien l\u00e0 la difficult\u00e9. <strong>La r\u00e9alit\u00e9 aujourd&rsquo;hui, c\u2019est que les collectivit\u00e9s sont de plus en plus d\u00e9munies face \u00e0 la prise en charge des risques.<\/strong> Des pans entiers du patrimoine communal sont sans protection effective face au risque, comme les cimeti\u00e8res ou les stades. Les assureurs partent du principe que seule la responsabilit\u00e9 civile s\u2019applique. Et, en cas de catastrophe naturelle, par exemple, les d\u00e9penses de restauration de ces biens publics ne sont pas \u00e9ligibles au fond de solidarit\u00e9 de l\u2019\u00c9tat. <strong>Les communes se retrouvent donc seules. Voil\u00e0 le vrai sujet, que le texte n\u2019aborde malheureusement pas.<\/strong><\/p>\n\n\n\n<p>Ce projet de loi ne garantit donc pas une couverture des risques pour les collectivit\u00e9s. In fine, on se rend compte que ce texte stimule la rentabilit\u00e9 pour les acteurs priv\u00e9s de l\u2019assurance, au prix de charges suppl\u00e9mentaires sur les budgets locaux. C\u2019est inacceptable.<\/p>\n\n\n\n<p>\u00c0 la tribune, lors de mon intervention g\u00e9n\u00e9rale, j\u2019ai ainsi appel\u00e9 mes coll\u00e8gues \u00e0 la prudence face aux effets d&rsquo;annonce : j\u2019ai alert\u00e9 sur le d\u00e9calage manifeste entre l\u2019ambition affich\u00e9e du texte et ses effets concrets. En l\u2019\u00e9tat, la garantie promise demeure largement illusoire : la couverture reste limit\u00e9e, les charges sont transf\u00e9r\u00e9es aux collectivit\u00e9s, et l\u2019\u00c9tat se cantonne \u00e0 un r\u00f4le de facilitateur de rentabilit\u00e9 pour les acteurs priv\u00e9s.<\/p>\n\n\n\n<p>Ce texte est donc une bonne nouvelle pour les assureurs, mais pas pour les collectivit\u00e9s. Ces derni\u00e8res ont besoin d\u2019un v\u00e9ritable socle universel de couverture. <strong>Comme l\u2019avait d\u00e9j\u00e0 rappel\u00e9 mon pr\u00e9d\u00e9cesseur \u00e0 la commission des Finances \u00c9ric Bocquet, les assurances doivent revenir \u00e0 leur c\u0153ur de m\u00e9tier, la couverture du risque !<\/strong><\/p>\n\n\n\n<p>Les moyens existent&nbsp;: d\u2019apr\u00e8s les donn\u00e9es de la Banque de France, en d\u00e9cembre 2024, l\u2019encours de placements financiers des assureurs s&rsquo;\u00e9tablissait \u00e0 2 721 milliards d\u2019euros. Ces assureurs, financeurs de la dette publique, ont \u00e9galement la garantie de recevoir des int\u00e9r\u00eats. Pour rappel, les charges d\u2019int\u00e9r\u00eat de cette dette s\u2019\u00e9l\u00e8vent \u00e0 59 milliards d\u2019euros : les assureurs re\u00e7oivent donc une partie de cette somme. Les assurances font donc un choix, celui de se d\u00e9sengager de la couverture de risques de rentabilit\u00e9 pour privil\u00e9gier d\u2019autres investissements, plus lucratifs. Je souhaite au contraire que cette somme revienne \u00e0 la couverture du risque.<\/p>\n\n\n\n<p class=\"has-ast-global-color-0-color has-text-color has-link-color wp-elements-219cb676aee2478565a5b22caa1cdfb5\"><strong>Avec mon groupe parlementaire, nous avons donc fait le choix d\u2019une abstention vigilante sur ce texte.<\/strong> <strong>De plus, nous sommes donc engag\u00e9s dans la r\u00e9daction d\u2019une nouvelle proposition de loi visant \u00e0 garantir une couverture d\u2019assurance r\u00e9ellement effective pour les collectivit\u00e9s territoriales. Il nous faudra r\u00e9fl\u00e9chir collectivement \u00e0 des modalit\u00e9s de contribution plus justes et plus solidaires. Nous avons besoin qu\u2019une v\u00e9ritable solution publique \u00e9merge pour mettre fin \u00e0 cette impasse.<\/strong><\/p>\n\n\n\n<p class=\"has-ast-global-color-0-color has-text-color has-link-color wp-elements-c2b21d5bd589252107fda094732f1790\"><\/p>\n\n\n\n<p class=\"has-ast-global-color-0-color has-text-color has-link-color wp-elements-c2b21d5bd589252107fda094732f1790\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dans nos collectivit\u00e9s, nous sommes tous tr\u00e8s attentifs \u00e0 la question assurantielle, tant l\u2019ann\u00e9e 2023 a marqu\u00e9 une rupture. Les [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":3365,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[16],"tags":[],"class_list":["post-3364","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-budget-et-finances"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Assurances des collectivit\u00e9s\u00a0: \u00e0 quand une r\u00e9elle prise en compte du sujet\u00a0? -<\/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:\/\/pierrebarros.fr\/index.php\/2025\/07\/03\/les-assurances-des-collectivites-a-quand-une-reelle-prise-en-compte-du-sujet\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Assurances des collectivit\u00e9s\u00a0: \u00e0 quand une r\u00e9elle prise en compte du sujet\u00a0? -\" \/>\n<meta property=\"og:description\" content=\"Dans nos collectivit\u00e9s, nous sommes tous tr\u00e8s attentifs \u00e0 la question assurantielle, tant l\u2019ann\u00e9e 2023 a marqu\u00e9 une rupture. Les [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/pierrebarros.fr\/index.php\/2025\/07\/03\/les-assurances-des-collectivites-a-quand-une-reelle-prise-en-compte-du-sujet\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-07-03T13:26:45+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-19T15:23:44+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/pierrebarros.fr\/wp-content\/uploads\/2025\/06\/Catastrophe-naturelle-Assurances.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1422\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Stephanie\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Stephanie\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/pierrebarros.fr\\\/index.php\\\/2025\\\/07\\\/03\\\/les-assurances-des-collectivites-a-quand-une-reelle-prise-en-compte-du-sujet\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/pierrebarros.fr\\\/index.php\\\/2025\\\/07\\\/03\\\/les-assurances-des-collectivites-a-quand-une-reelle-prise-en-compte-du-sujet\\\/\"},\"author\":{\"name\":\"Stephanie\",\"@id\":\"https:\\\/\\\/pierrebarros.fr\\\/#\\\/schema\\\/person\\\/0669a80d309c762d2a40d3ae7accec5b\"},\"headline\":\"Assurances des collectivit\u00e9s\u00a0: \u00e0 quand une r\u00e9elle prise en compte du sujet\u00a0?\",\"datePublished\":\"2025-07-03T13:26:45+00:00\",\"dateModified\":\"2026-02-19T15:23:44+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/pierrebarros.fr\\\/index.php\\\/2025\\\/07\\\/03\\\/les-assurances-des-collectivites-a-quand-une-reelle-prise-en-compte-du-sujet\\\/\"},\"wordCount\":801,\"image\":{\"@id\":\"https:\\\/\\\/pierrebarros.fr\\\/index.php\\\/2025\\\/07\\\/03\\\/les-assurances-des-collectivites-a-quand-une-reelle-prise-en-compte-du-sujet\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/pierrebarros.fr\\\/wp-content\\\/uploads\\\/2025\\\/06\\\/Catastrophe-naturelle-Assurances.jpg?fit=1600%2C1422&ssl=1\",\"articleSection\":[\"Budget et Finances\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/pierrebarros.fr\\\/index.php\\\/2025\\\/07\\\/03\\\/les-assurances-des-collectivites-a-quand-une-reelle-prise-en-compte-du-sujet\\\/\",\"url\":\"https:\\\/\\\/pierrebarros.fr\\\/index.php\\\/2025\\\/07\\\/03\\\/les-assurances-des-collectivites-a-quand-une-reelle-prise-en-compte-du-sujet\\\/\",\"name\":\"Assurances des collectivit\u00e9s\u00a0: \u00e0 quand une r\u00e9elle prise en compte du sujet\u00a0? -\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/pierrebarros.fr\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/pierrebarros.fr\\\/index.php\\\/2025\\\/07\\\/03\\\/les-assurances-des-collectivites-a-quand-une-reelle-prise-en-compte-du-sujet\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/pierrebarros.fr\\\/index.php\\\/2025\\\/07\\\/03\\\/les-assurances-des-collectivites-a-quand-une-reelle-prise-en-compte-du-sujet\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/pierrebarros.fr\\\/wp-content\\\/uploads\\\/2025\\\/06\\\/Catastrophe-naturelle-Assurances.jpg?fit=1600%2C1422&ssl=1\",\"datePublished\":\"2025-07-03T13:26:45+00:00\",\"dateModified\":\"2026-02-19T15:23:44+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/pierrebarros.fr\\\/#\\\/schema\\\/person\\\/0669a80d309c762d2a40d3ae7accec5b\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/pierrebarros.fr\\\/index.php\\\/2025\\\/07\\\/03\\\/les-assurances-des-collectivites-a-quand-une-reelle-prise-en-compte-du-sujet\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/pierrebarros.fr\\\/index.php\\\/2025\\\/07\\\/03\\\/les-assurances-des-collectivites-a-quand-une-reelle-prise-en-compte-du-sujet\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/pierrebarros.fr\\\/index.php\\\/2025\\\/07\\\/03\\\/les-assurances-des-collectivites-a-quand-une-reelle-prise-en-compte-du-sujet\\\/#primaryimage\",\"url\":\"https:\\\/\\\/i0.wp.com\\\/pierrebarros.fr\\\/wp-content\\\/uploads\\\/2025\\\/06\\\/Catastrophe-naturelle-Assurances.jpg?fit=1600%2C1422&ssl=1\",\"contentUrl\":\"https:\\\/\\\/i0.wp.com\\\/pierrebarros.fr\\\/wp-content\\\/uploads\\\/2025\\\/06\\\/Catastrophe-naturelle-Assurances.jpg?fit=1600%2C1422&ssl=1\",\"width\":1600,\"height\":1422},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/pierrebarros.fr\\\/index.php\\\/2025\\\/07\\\/03\\\/les-assurances-des-collectivites-a-quand-une-reelle-prise-en-compte-du-sujet\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/pierrebarros.fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Assurances des collectivit\u00e9s\u00a0: \u00e0 quand une r\u00e9elle prise en compte du sujet\u00a0?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/pierrebarros.fr\\\/#website\",\"url\":\"https:\\\/\\\/pierrebarros.fr\\\/\",\"name\":\"\",\"description\":\"S\u00e9nateur du Val-d&#039;Oise\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/pierrebarros.fr\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/pierrebarros.fr\\\/#\\\/schema\\\/person\\\/0669a80d309c762d2a40d3ae7accec5b\",\"name\":\"Stephanie\",\"url\":\"https:\\\/\\\/pierrebarros.fr\\\/index.php\\\/author\\\/stephanie\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Assurances des collectivit\u00e9s\u00a0: \u00e0 quand une r\u00e9elle prise en compte du sujet\u00a0? -","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:\/\/pierrebarros.fr\/index.php\/2025\/07\/03\/les-assurances-des-collectivites-a-quand-une-reelle-prise-en-compte-du-sujet\/","og_locale":"fr_FR","og_type":"article","og_title":"Assurances des collectivit\u00e9s\u00a0: \u00e0 quand une r\u00e9elle prise en compte du sujet\u00a0? -","og_description":"Dans nos collectivit\u00e9s, nous sommes tous tr\u00e8s attentifs \u00e0 la question assurantielle, tant l\u2019ann\u00e9e 2023 a marqu\u00e9 une rupture. Les [&hellip;]","og_url":"https:\/\/pierrebarros.fr\/index.php\/2025\/07\/03\/les-assurances-des-collectivites-a-quand-une-reelle-prise-en-compte-du-sujet\/","article_published_time":"2025-07-03T13:26:45+00:00","article_modified_time":"2026-02-19T15:23:44+00:00","og_image":[{"width":1600,"height":1422,"url":"https:\/\/pierrebarros.fr\/wp-content\/uploads\/2025\/06\/Catastrophe-naturelle-Assurances.jpg","type":"image\/jpeg"}],"author":"Stephanie","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Stephanie","Dur\u00e9e de lecture estim\u00e9e":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/pierrebarros.fr\/index.php\/2025\/07\/03\/les-assurances-des-collectivites-a-quand-une-reelle-prise-en-compte-du-sujet\/#article","isPartOf":{"@id":"https:\/\/pierrebarros.fr\/index.php\/2025\/07\/03\/les-assurances-des-collectivites-a-quand-une-reelle-prise-en-compte-du-sujet\/"},"author":{"name":"Stephanie","@id":"https:\/\/pierrebarros.fr\/#\/schema\/person\/0669a80d309c762d2a40d3ae7accec5b"},"headline":"Assurances des collectivit\u00e9s\u00a0: \u00e0 quand une r\u00e9elle prise en compte du sujet\u00a0?","datePublished":"2025-07-03T13:26:45+00:00","dateModified":"2026-02-19T15:23:44+00:00","mainEntityOfPage":{"@id":"https:\/\/pierrebarros.fr\/index.php\/2025\/07\/03\/les-assurances-des-collectivites-a-quand-une-reelle-prise-en-compte-du-sujet\/"},"wordCount":801,"image":{"@id":"https:\/\/pierrebarros.fr\/index.php\/2025\/07\/03\/les-assurances-des-collectivites-a-quand-une-reelle-prise-en-compte-du-sujet\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/pierrebarros.fr\/wp-content\/uploads\/2025\/06\/Catastrophe-naturelle-Assurances.jpg?fit=1600%2C1422&ssl=1","articleSection":["Budget et Finances"],"inLanguage":"fr-FR"},{"@type":"WebPage","@id":"https:\/\/pierrebarros.fr\/index.php\/2025\/07\/03\/les-assurances-des-collectivites-a-quand-une-reelle-prise-en-compte-du-sujet\/","url":"https:\/\/pierrebarros.fr\/index.php\/2025\/07\/03\/les-assurances-des-collectivites-a-quand-une-reelle-prise-en-compte-du-sujet\/","name":"Assurances des collectivit\u00e9s\u00a0: \u00e0 quand une r\u00e9elle prise en compte du sujet\u00a0? -","isPartOf":{"@id":"https:\/\/pierrebarros.fr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/pierrebarros.fr\/index.php\/2025\/07\/03\/les-assurances-des-collectivites-a-quand-une-reelle-prise-en-compte-du-sujet\/#primaryimage"},"image":{"@id":"https:\/\/pierrebarros.fr\/index.php\/2025\/07\/03\/les-assurances-des-collectivites-a-quand-une-reelle-prise-en-compte-du-sujet\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/pierrebarros.fr\/wp-content\/uploads\/2025\/06\/Catastrophe-naturelle-Assurances.jpg?fit=1600%2C1422&ssl=1","datePublished":"2025-07-03T13:26:45+00:00","dateModified":"2026-02-19T15:23:44+00:00","author":{"@id":"https:\/\/pierrebarros.fr\/#\/schema\/person\/0669a80d309c762d2a40d3ae7accec5b"},"breadcrumb":{"@id":"https:\/\/pierrebarros.fr\/index.php\/2025\/07\/03\/les-assurances-des-collectivites-a-quand-une-reelle-prise-en-compte-du-sujet\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/pierrebarros.fr\/index.php\/2025\/07\/03\/les-assurances-des-collectivites-a-quand-une-reelle-prise-en-compte-du-sujet\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/pierrebarros.fr\/index.php\/2025\/07\/03\/les-assurances-des-collectivites-a-quand-une-reelle-prise-en-compte-du-sujet\/#primaryimage","url":"https:\/\/i0.wp.com\/pierrebarros.fr\/wp-content\/uploads\/2025\/06\/Catastrophe-naturelle-Assurances.jpg?fit=1600%2C1422&ssl=1","contentUrl":"https:\/\/i0.wp.com\/pierrebarros.fr\/wp-content\/uploads\/2025\/06\/Catastrophe-naturelle-Assurances.jpg?fit=1600%2C1422&ssl=1","width":1600,"height":1422},{"@type":"BreadcrumbList","@id":"https:\/\/pierrebarros.fr\/index.php\/2025\/07\/03\/les-assurances-des-collectivites-a-quand-une-reelle-prise-en-compte-du-sujet\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/pierrebarros.fr\/"},{"@type":"ListItem","position":2,"name":"Assurances des collectivit\u00e9s\u00a0: \u00e0 quand une r\u00e9elle prise en compte du sujet\u00a0?"}]},{"@type":"WebSite","@id":"https:\/\/pierrebarros.fr\/#website","url":"https:\/\/pierrebarros.fr\/","name":"","description":"S\u00e9nateur du Val-d&#039;Oise","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/pierrebarros.fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Person","@id":"https:\/\/pierrebarros.fr\/#\/schema\/person\/0669a80d309c762d2a40d3ae7accec5b","name":"Stephanie","url":"https:\/\/pierrebarros.fr\/index.php\/author\/stephanie\/"}]}},"jetpack_featured_media_url":"https:\/\/i0.wp.com\/pierrebarros.fr\/wp-content\/uploads\/2025\/06\/Catastrophe-naturelle-Assurances.jpg?fit=1600%2C1422&ssl=1","jetpack-related-posts":[],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/pierrebarros.fr\/index.php\/wp-json\/wp\/v2\/posts\/3364","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pierrebarros.fr\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pierrebarros.fr\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pierrebarros.fr\/index.php\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/pierrebarros.fr\/index.php\/wp-json\/wp\/v2\/comments?post=3364"}],"version-history":[{"count":3,"href":"https:\/\/pierrebarros.fr\/index.php\/wp-json\/wp\/v2\/posts\/3364\/revisions"}],"predecessor-version":[{"id":3945,"href":"https:\/\/pierrebarros.fr\/index.php\/wp-json\/wp\/v2\/posts\/3364\/revisions\/3945"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pierrebarros.fr\/index.php\/wp-json\/wp\/v2\/media\/3365"}],"wp:attachment":[{"href":"https:\/\/pierrebarros.fr\/index.php\/wp-json\/wp\/v2\/media?parent=3364"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pierrebarros.fr\/index.php\/wp-json\/wp\/v2\/categories?post=3364"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pierrebarros.fr\/index.php\/wp-json\/wp\/v2\/tags?post=3364"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}