{"id":3628,"date":"2023-11-30T10:33:11","date_gmt":"2023-11-30T09:33:11","guid":{"rendered":"https:\/\/cea-belgium.be\/?p=3628"},"modified":"2023-11-30T12:36:41","modified_gmt":"2023-11-30T11:36:41","slug":"comment-choisir-mon-assureur-pour-ma-responsabilite-civile-professionnelle-sans-payer-de-prime-trop-elevee","status":"publish","type":"post","link":"https:\/\/cea-belgium.be\/fr\/comment-choisir-mon-assureur-pour-ma-responsabilite-civile-professionnelle-sans-payer-de-prime-trop-elevee\/","title":{"rendered":"Comment choisir mon assureur pour ma responsabilit\u00e9 civile professionnelle sans payer de prime trop \u00e9lev\u00e9e\u2009?"},"content":{"rendered":"<p>[et_pb_section fb_built=\u00a0\u00bb1&Prime; _builder_version=\u00a0\u00bb4.23.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#233F92&Prime; background_image=\u00a0\u00bbhttps:\/\/cea-belgium.be\/wp-content\/uploads\/2023\/03\/CEA-Belgium_fotoshoot_10-scaled.jpg\u00a0\u00bb background_size=\u00a0\u00bbcustom\u00a0\u00bb background_image_width=\u00a0\u00bb50%\u00a0\u00bb background_image_height=\u00a0\u00bb100%\u00a0\u00bb background_position=\u00a0\u00bbtop_right\u00a0\u00bb background_vertical_offset=\u00a0\u00bb19%\u00a0\u00bb custom_margin=\u00a0\u00bb0px||0px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb0px||0px||false|false\u00a0\u00bb background_color_tablet=\u00a0\u00bb#233F92&Prime; 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_dynamic_attributes=\u00a0\u00bbcontent\u00a0\u00bb _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb40%\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9jYXRlZ29yaWVzIiwic2V0dGluZ3MiOnsiYmVmb3JlIjoiIiwiYWZ0ZXIiOiIiLCJsaW5rX3RvX3Rlcm1fcGFnZSI6Im9uIiwic2VwYXJhdG9yIjoiIHwgIiwiY2F0ZWdvcnlfdHlwZSI6ImNhdGVnb3J5In19@[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbText bericht publish date\u00a0\u00bb _builder_version=\u00a0\u00bb4.23.1&Prime; _dynamic_attributes=\u00a0\u00bbcontent\u00a0\u00bb _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_padding=\u00a0\u00bb6px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9kYXRlIiwic2V0dGluZ3MiOnsiYmVmb3JlIjoiIiwiYWZ0ZXIiOiIiLCJkYXRlX2Zvcm1hdCI6ImN1c3RvbSIsImN1c3RvbV9kYXRlX2Zvcm1hdCI6ImQgRiBZIn19@[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbText Titel blogpost nieuws\u00a0\u00bb module_class=\u00a0\u00bbblog\u00a0\u00bb _builder_version=\u00a0\u00bb4.23.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font=\u00a0\u00bb|600||on|||||\u00a0\u00bb text_font_size=\u00a0\u00bb16px\u00a0\u00bb header_font=\u00a0\u00bb|700|||||||\u00a0\u00bb header_font_size=\u00a0\u00bb28px\u00a0\u00bb header_letter_spacing=\u00a0\u00bb1px\u00a0\u00bb header_line_height=\u00a0\u00bb35px\u00a0\u00bb width=\u00a0\u00bb80%\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb animation_style=\u00a0\u00bbslide\u00a0\u00bb animation_direction=\u00a0\u00bbleft\u00a0\u00bb animation_duration=\u00a0\u00bb2000ms\u00a0\u00bb header_font_size_tablet=\u00a0\u00bb28px\u00a0\u00bb header_font_size_phone=\u00a0\u00bb25px\u00a0\u00bb header_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h1>Comment, en tant qu\u2019architecte ou bureau d\u2019\u00e9tudes, choisir mon assureur pour ma responsabilit\u00e9 civile professionnelle sans payer de prime trop \u00e9lev\u00e9e\u2009?<\/h1>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=\u00a0\u00bb2_5&Prime; disabled_on=\u00a0\u00bbon|on|off\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_padding=\u00a0\u00bb40px|0px||0px|false|true\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00a0\u00bb1_2,1_2&Prime; admin_label=\u00a0\u00bbRow patroon\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb positioning=\u00a0\u00bbabsolute\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb max_width=\u00a0\u00bb100%\u00a0\u00bb custom_margin=\u00a0\u00bb0px||0px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb0px||0px||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb1_2&Prime; _builder_version=\u00a0\u00bb4.20.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_2&Prime; _builder_version=\u00a0\u00bb4.20.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/cea-belgium.be\/wp-content\/uploads\/2023\/03\/white-circles-blog.svg\u00a0\u00bb alt=\u00a0\u00bbWhite Circles Blog\u00a0\u00bb title_text=\u00a0\u00bbWhite Circles Blog\u00a0\u00bb disabled_on=\u00a0\u00bbon|on|off\u00a0\u00bb admin_label=\u00a0\u00bbImage patroon\u00a0\u00bb _builder_version=\u00a0\u00bb4.23.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb positioning=\u00a0\u00bbabsolute\u00a0\u00bb vertical_offset=\u00a0\u00bb38px\u00a0\u00bb horizontal_offset=\u00a0\u00bb-67px\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1&Prime; admin_label=\u00a0\u00bbSection auteur nieuwsbericht\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb use_background_color_gradient=\u00a0\u00bbon\u00a0\u00bb background_color_gradient_direction=\u00a0\u00bb90deg\u00a0\u00bb background_color_gradient_stops=\u00a0\u00bb#a5358c 50%|#ffffff 50%\u00a0\u00bb custom_margin=\u00a0\u00bb0px||0px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb40px||40px||true|false\u00a0\u00bb background_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb use_background_color_gradient_tablet=\u00a0\u00bbon\u00a0\u00bb use_background_color_gradient_phone=\u00a0\u00bbon\u00a0\u00bb background_color_gradient_direction_tablet=\u00a0\u00bb180deg\u00a0\u00bb background_color_gradient_stops_tablet=\u00a0\u00bb#a5358c 63%|#ffffff 63%\u00a0\u00bb background_color_gradient_stops_phone=\u00a0\u00bb#a5358c 55%|#ffffff 55%\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row column_structure=\u00a0\u00bb3_5,2_5&Prime; _builder_version=\u00a0\u00bb4.20.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_margin=\u00a0\u00bb0px||0px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb0px||0px||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb3_5&Prime; _builder_version=\u00a0\u00bb4.20.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_padding=\u00a0\u00bb|5%|||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/cea-belgium.be\/wp-content\/uploads\/2023\/03\/CEA-Belgium_fotoshoot_31.png\u00a0\u00bb alt=\u00a0\u00bbAnne Sophie\u00a0\u00bb title_text=\u00a0\u00bbAnne Sophie\u00a0\u00bb align_tablet=\u00a0\u00bb\u00a0\u00bb align_phone=\u00a0\u00bbcenter\u00a0\u00bb align_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb admin_label=\u00a0\u00bbImage auteur \u00a0\u00bb _builder_version=\u00a0\u00bb4.23.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb300px\u00a0\u00bb width_tablet=\u00a0\u00bb300px\u00a0\u00bb width_phone=\u00a0\u00bb250px\u00a0\u00bb width_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb border_radii=\u00a0\u00bbon|50%|50%|50%|50%\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][\/et_pb_column][et_pb_column type=\u00a0\u00bb2_5&Prime; disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_padding=\u00a0\u00bb40px|0px||0px|false|true\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbText GESCHREVEN DOOR\u00a0\u00bb _builder_version=\u00a0\u00bb4.23.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font=\u00a0\u00bb|||on|||||\u00a0\u00bb text_text_color=\u00a0\u00bbRGBA(35,63,146,0.5)\u00a0\u00bb custom_margin=\u00a0\u00bb||0px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb||0px||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>ECRIT PAR<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbText naam auteur en functie\u00a0\u00bb module_class=\u00a0\u00bbnaam-auteur\u00a0\u00bb _builder_version=\u00a0\u00bb4.23.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#A5358C\u00a0\u00bb text_font_size=\u00a0\u00bb16px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Anne-Sophie Weemans,<br \/>Key Account Manager \u2013 Juriste CEA Belgium<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbText geeft meer uitleg en licht de huidige markttrends toe.\u00a0\u00bb _builder_version=\u00a0\u00bb4.23.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bbRGBA(0,0,0,0.5)\u00a0\u00bb text_font_size=\u00a0\u00bb20px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p><strong>Seuls quelques assureurs<\/strong> proposent l\u2019assurance RC professionnelle\u00a0: AR-CO, EUROMAF, HDI et PROTECT. CEA Belgium, en tant que <strong>courtier ind\u00e9pendant<\/strong>, collabore avec ces partenaires et\u00a0vous <strong>accompagner<\/strong> dans le choix de l\u2019assureur qui vous convient.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1&Prime; admin_label=\u00a0\u00bbSection inhoud nieuwsbericht\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_enable_color=\u00a0\u00bboff\u00a0\u00bb background_image=\u00a0\u00bbhttps:\/\/cea-belgium.be\/wp-content\/uploads\/2023\/03\/CEA_Patroon_1-1.png\u00a0\u00bb background_size=\u00a0\u00bbinitial\u00a0\u00bb background_position=\u00a0\u00bbtop_left\u00a0\u00bb background_repeat=\u00a0\u00bbrepeat-y\u00a0\u00bb custom_margin=\u00a0\u00bb40px||0px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb0px||0px||false|false\u00a0\u00bb background_color_phone=\u00a0\u00bb#FFFFFF\u00a0\u00bb background_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb background_enable_color_phone=\u00a0\u00bbon\u00a0\u00bb background_enable_image_phone=\u00a0\u00bboff\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row custom_padding_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb admin_label=\u00a0\u00bbRow &#8211; video tussen de tekst\u00a0\u00bb module_class=\u00a0\u00bbvideo-slider\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb custom_margin=\u00a0\u00bb0px||0px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb0px||0px|2%|false|false\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb0px||0px|2%|false|false\u00a0\u00bb custom_padding_phone=\u00a0\u00bb0px||0px|0%|false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#ffffff\u00a0\u00bb border_style_bottom=\u00a0\u00bbdashed\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.20.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_enable_color=\u00a0\u00bboff\u00a0\u00bb custom_padding=\u00a0\u00bb|||4%|false|false\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb|||4%|false|false\u00a0\u00bb custom_padding_phone=\u00a0\u00bb|||0%|false|false\u00a0\u00bb custom_padding_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.23.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bb#000000&Prime; header_2_font=\u00a0\u00bb|600|||||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#233F92&Prime; header_2_font_size=\u00a0\u00bb20px\u00a0\u00bb header_2_line_height=\u00a0\u00bb27px\u00a0\u00bb background_enable_color=\u00a0\u00bboff\u00a0\u00bb text_orientation=\u00a0\u00bbcenter\u00a0\u00bb width=\u00a0\u00bb91%\u00a0\u00bb custom_padding=\u00a0\u00bb|0px|9px|40px||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #333399;\">Seuls quelques assureurs proposent <a href=\"https:\/\/cea-belgium.be\/fr\/assurance-rc\/\" style=\"color: #333399;\">l\u2019assurance RC professionnelle<\/a>\u00a0: AR-CO, EUROMAF, HDI et PROTECT. CEA Belgium, en tant que <strong>courtier ind\u00e9pendant<\/strong>, collabore avec ces partenaires et dispose des <strong>connaissances et du savoir-faire<\/strong> n\u00e9cessaires pour vous <strong>accompagner<\/strong> dans le choix de l\u2019assureur qui vous convient. En effet, chaque assureur a une approche, une sensibilit\u00e9, des conditions g\u00e9n\u00e9rales et un syst\u00e8me de d\u00e9claration qui lui sont propres.<\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=\u00a0\u00bbon|tablet\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb custom_margin=\u00a0\u00bb0px||0px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb20px|5%|40px|5%|false|false\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb|0%|||false|false\u00a0\u00bb custom_padding_phone=\u00a0\u00bb|0%||0px|false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#ffffff\u00a0\u00bb border_style_bottom=\u00a0\u00bbdashed\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.20.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_enable_color=\u00a0\u00bboff\u00a0\u00bb custom_padding=\u00a0\u00bb|||4%|false|false\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb|||4%|false|false\u00a0\u00bb custom_padding_phone=\u00a0\u00bb|||0%|false|false\u00a0\u00bb custom_padding_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.23.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_2_font=\u00a0\u00bb|600|||||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#233F92&Prime; header_2_font_size=\u00a0\u00bb20px\u00a0\u00bb header_2_line_height=\u00a0\u00bb27px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h2>CONCR\u00c8TEMENT<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.23.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bbRGBA(0,0,0,0.5)\u00a0\u00bb custom_margin=\u00a0\u00bb-36px||||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb||40px||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>La prime minimum<\/strong>, c\u2019est-\u00e0-dire la prime due annuellement. Certains assureurs la fixent bas tandis que d\u2019autres la fixent \u00e0 85\u201395\u00a0% de la prime estim\u00e9e. Qu\u2019est-ce qui est acceptable pour que vous ne payiez pas trop\u2009?<\/li>\n<li>Choisir une base de <strong>prime<\/strong> en fonction du co\u00fbt de <strong>construction<\/strong> (la valeur des travaux effectu\u00e9s) ou sur la base des <strong>honoraires<\/strong>\u2009? Qu\u2019est-ce qui est le plus indiqu\u00e9 dans votre situation\u2009?<\/li>\n<li><strong>L\u2019approche de la Loi Peeters<\/strong> (responsabilit\u00e9 d\u00e9cennale pour les projets r\u00e9sidentiels). Certains assureurs ont introduit une part s\u00e9par\u00e9e et\/ou une base de prime s\u00e9par\u00e9e ou bien ils fixent les garanties sur la base d\u2019une demande de certificat d\u2019assurance. Qu\u2019offre chaque assureur\u2009?<\/li>\n<li>Quel assureur demande des <strong>frais suppl\u00e9mentaires<\/strong> en plus des taxes l\u00e9gales de 9,25\u00a0%\u2009?<\/li>\n<li>Quelles <strong>r\u00e9ductions<\/strong> offrent-ils\u2009? Par ex. pour une police <a href=\"https:\/\/cea-belgium.be\/fr\/assurance-trc\/\">TRC<\/a><\/li>\n<li>Quel assureur dispose en plus d\u2019un service sinistres d\u2019un service de <strong>conseil juridique<\/strong> g\u00e9n\u00e9ral (payant ou non)\u2009?<\/li>\n<li>Diff\u00e9rences dans les causes de <strong>d\u00e9ch\u00e9ance des garanties<\/strong> dans les Conditions g\u00e9n\u00e9rales. Lorsqu\u2019une cause de d\u00e9ch\u00e9ance de garantie est invoqu\u00e9e, les int\u00e9r\u00eats de l\u2019assureur et de l\u2019assur\u00e9 ne co\u00efncident pas toujours. Nous d\u00e9fendons votre position.<\/li>\n<li>Qu\u2019en est-il si je suis<strong> architecte et ma\u00eetre d\u2019ouvrage<\/strong>\u2009? Hypoth\u00e8se : je suis l\u2019architecte de ma propre habitation. <a href=\"https:\/\/cea-belgium.be\/fr\/assurance-rc\/\">La police de responsabilit\u00e9 civile<\/a> professionnelle couvre les dommages caus\u00e9s aux tiers. Vous n\u2019\u00eates pas consid\u00e9r\u00e9 comme tiers dans cette situation et d\u00e8s lors, nous cherchons si votre propre dommage mat\u00e9riel pourra \u00eatre couvert et dans quelles conditions.<\/li>\n<\/ul>\n<p>CEA BELGIUM, en tant que courtier, d\u00e9fend vos int\u00e9r\u00eats.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=\u00a0\u00bbon|tablet\u00a0\u00bb _builder_version=\u00a0\u00bb4.23.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb custom_margin=\u00a0\u00bb0px||0px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb20px|5%|40px|5%|false|false\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb|0%|||false|false\u00a0\u00bb custom_padding_phone=\u00a0\u00bb|0%||0px|false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#ffffff\u00a0\u00bb border_style_bottom=\u00a0\u00bbdashed\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.20.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_enable_color=\u00a0\u00bboff\u00a0\u00bb custom_padding=\u00a0\u00bb|||4%|false|false\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb|||4%|false|false\u00a0\u00bb custom_padding_phone=\u00a0\u00bb|||0%|false|false\u00a0\u00bb custom_padding_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.23.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bbRGBA(0,0,0,0.5)\u00a0\u00bb custom_margin=\u00a0\u00bb-350px||||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb3px||||false|false\u00a0\u00bb border_width_all=\u00a0\u00bb2px\u00a0\u00bb border_color_all=\u00a0\u00bb#000000&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h1><\/h1>\n<p style=\"text-align: left;\"><strong>\u00a0 \u00a0Saviez-vous que CEA BELGIUM&#8230;?<\/strong><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>C\u2019est un volume de prime annuel de <strong>7\u2009000\u2009000\u00a0\u20ac <\/strong>en assurances responsabilit\u00e9 civile professionnelles de promoteurs<\/li>\n<li>Compte plus de <strong>1\u2009500\u00a0<\/strong>architectes et bureaux d\u2019\u00e9tudes comme clients (entreprises individuelles, PME et les plus gros bureaux)<\/li>\n<li>Est actif depuis <strong>16\u00a0<\/strong>ans en Belgique<\/li>\n<li>Appartient \u00e0 un groupe international dont le si\u00e8ge est \u00e0 Paris\u00a0: actif dans <strong>3 <\/strong>pays et comptant plus de <strong>150<\/strong>\u00a0collaborateurs<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=\u00a0\u00bbon|tablet\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb custom_margin=\u00a0\u00bb0px||0px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb20px|5%|40px|5%|false|false\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb|0%|||false|false\u00a0\u00bb custom_padding_phone=\u00a0\u00bb|0%||0px|false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#ffffff\u00a0\u00bb border_style_bottom=\u00a0\u00bbdashed\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.20.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_enable_color=\u00a0\u00bboff\u00a0\u00bb custom_padding=\u00a0\u00bb|||4%|false|false\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb|||4%|false|false\u00a0\u00bb custom_padding_phone=\u00a0\u00bb|||0%|false|false\u00a0\u00bb custom_padding_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.23.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_2_font=\u00a0\u00bb|600|||||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#233F92&Prime; header_2_font_size=\u00a0\u00bb20px\u00a0\u00bb header_2_line_height=\u00a0\u00bb27px\u00a0\u00bb custom_margin=\u00a0\u00bb-175px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h2><strong>Une autre question que vous vous posez en tant qu\u2019architecte ou bureau d\u2019\u00e9tudes\u00a0: <em>est-ce que je ne paie pas trop de primes<\/em>\u2009?<\/strong><\/h2>\n<p><strong>La hauteur de la prime d\u00e9pend de plusieurs facteurs\u00a0:<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.23.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bbRGBA(0,0,0,0.5)\u00a0\u00bb custom_margin=\u00a0\u00bb-77px||||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb1px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Le capital garanti<\/strong>, l\u2019activit\u00e9 du bureau et le type de projets. Outre le capital de base, vous pouvez adapter la garantie pour les dommages mat\u00e9riels et immat\u00e9riels d\u2019un projet pr\u00e9cis qui a alors une prime sp\u00e9cifique.<\/li>\n<li><strong>Franchise\u00a0<\/strong>: variable ou forfaitaire\u2009? Indexation\u2009? Applicable aux frais de d\u00e9fense (avocats et experts en cas de sinistre)\u2009? Le montant de la franchise a un impact sur la base de la prime.<\/li>\n<li><strong>Statistiques sinistres<\/strong>\u00a0: le rapport sinistralit\u00e9-volume de prime accumul\u00e9 d\u00e9termine si vous avez une bonne ou mauvaise statistique sinistre. La sinistralit\u00e9 repr\u00e9sente ce qui est effectivement pay\u00e9 en dommages ou plac\u00e9 en r\u00e9serve pour un dossier sinistre pr\u00e9cis. La r\u00e9currence appara\u00eet \u00e9galement dans les statistiques sinistres. Nous analysons et discutons ceci chaque ann\u00e9e avec l\u2019assureur et nous regardons la situation effective de chaque dossier de sinistre.\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.23.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_2_font=\u00a0\u00bb|600|||||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#233F92&Prime; header_2_font_size=\u00a0\u00bb20px\u00a0\u00bb header_2_line_height=\u00a0\u00bb27px\u00a0\u00bb custom_margin=\u00a0\u00bb-205px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h2>L\u2019approche de CEA BELGIUM<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.23.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bbRGBA(0,0,0,0.5)\u00a0\u00bb custom_margin=\u00a0\u00bb-27px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Analyse de risques<\/strong> et <strong>demande d\u2019offre<\/strong> sur mesure en fonction de votre bureau et de votre activit\u00e9\u00a0;<\/li>\n<li><strong>\u00c9tude de march\u00e9 optionnelle<\/strong> (les conditions actuelles sont-elles concurrentielles\u2009?)<\/li>\n<li>\u00c9valuation critique des <strong>statistiques sinistres<\/strong>: le rapport sinistralit\u00e9-volume de prime accumul\u00e9<\/li>\n<li><strong>Sans surco\u00fbt <\/strong>pour le client\u2009! Commission de courtage comprise dans la prime que vous payez et que nous n\u00e9gocions au plus bas. Donc, une situation win-win pour vous.<\/li>\n<li><strong>Les param\u00e8tres<\/strong> (capital garanti, franchise, base de prime, prime minimum et r\u00e9ductions) sont pr\u00e9sent\u00e9s dans un <strong>tableau comparatif<\/strong> et nous effectuons une <strong>simulation de prime<\/strong>.<\/li>\n<li><strong>Concertation<\/strong> avec le client pour effectuer le meilleur choix. Le principe \u00e9tant toujours d\u2019entretenir la relation avec l\u2019assureur existant\u2009! Mais si une meilleure proposition \u00e9merge, nous vous accompagnons dans ce changement.<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=\u00a0\u00bbon|tablet\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb custom_margin=\u00a0\u00bb0px||0px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb20px|5%|40px|5%|false|false\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb|0%|||false|false\u00a0\u00bb custom_padding_phone=\u00a0\u00bb|0%||0px|false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#ffffff\u00a0\u00bb border_style_bottom=\u00a0\u00bbdashed\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.20.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_enable_color=\u00a0\u00bboff\u00a0\u00bb custom_padding=\u00a0\u00bb|||4%|false|false\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb|||4%|false|false\u00a0\u00bb custom_padding_phone=\u00a0\u00bb|||0%|false|false\u00a0\u00bb custom_padding_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.23.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_2_font=\u00a0\u00bb|600|||||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#233F92&Prime; header_2_font_size=\u00a0\u00bb20px\u00a0\u00bb header_2_line_height=\u00a0\u00bb27px\u00a0\u00bb custom_margin=\u00a0\u00bb-52px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h2>Pourquoi CEA Belgium\u2009?<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.23.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_text_color=\u00a0\u00bbRGBA(0,0,0,0.5)\u00a0\u00bb custom_margin=\u00a0\u00bb-15px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<ul>\n<li>Votre gestionnaire de dossier est toujours un juriste et constitue <strong>votre point de contact unique<\/strong>. Nous assurons le suivi du d\u00e9but \u00e0 la fin.<\/li>\n<li>Des gestionnaires de dossier<strong> francophones <\/strong>et<strong> n\u00e9erlandophones<\/strong>;<\/li>\n<li>Pour les polices abonnements, aussi pour vos <strong>polices chantiers individuelles<\/strong> et pour les <strong>projets \u00e0 l\u2019\u00e9tranger<\/strong>;<\/li>\n<li><strong>Courtier partenaire <\/strong>privil\u00e9gi\u00e9\u00a0;<\/li>\n<li><strong>Sp\u00e9cialisation<\/strong> exclusive dans les <strong>assurances construction<\/strong>. Assurance TRC \u00e9galement, une police globale pour la d\u00e9cennale, mais aussi pour la garantie d\u2019ach\u00e8vement Loi Breyne\u00a0;<\/li>\n<li>L\u2019avantage que nos gestionnaires de dossier sont des <strong>juristes\u00a0<\/strong>:\n<ul>\n<li><strong>Beaucoup de changement dans la l\u00e9gislation<\/strong> ces 4\u00a0derni\u00e8res ann\u00e9es et les polices ont \u00e9t\u00e9 ajust\u00e9es en cons\u00e9quence\u00a0;<\/li>\n<li>Accompagnement proactif lors de l\u2019<strong>\u00e9tablissement<\/strong> des <strong>contrats d\u2019architecture<\/strong> par rapport au volet concernant la responsabilit\u00e9 et l\u2019assurance\u00a0;<\/li>\n<li>Demandes d\u2019indemnisation plus nombreuses et plus \u00e9lev\u00e9es de la part des ma\u00eetres d\u2019ouvrage CEA BELGIUM offre une<strong> assistance de premi\u00e8re ligne<\/strong> en cas de <strong>sinistre<\/strong> (potentiel) sur chantier quand la responsabilit\u00e9 risque d\u2019\u00eatre engag\u00e9e.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb admin_label=\u00a0\u00bbRow &#8211; fotoslider tussen de teksten\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb custom_margin=\u00a0\u00bb0px||0px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb20px|5px|40px|5%|false|false\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb0px|0%|0px|5%|false|false\u00a0\u00bb custom_padding_phone=\u00a0\u00bb0px||0px|0%|false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#ffffff\u00a0\u00bb border_style_bottom=\u00a0\u00bbdashed\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.20.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb 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class=\"heateorSssClear\"><\/div><\/div>[\/et_pb_code][et_pb_post_nav prev_text=\u00a0\u00bbPr\u00e9c\u00e9dent\u00a0\u00bb next_text=\u00a0\u00bbSuivant\u00a0\u00bb _builder_version=\u00a0\u00bb4.23.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb title_text_color=\u00a0\u00bb#233F92&Prime; locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_post_nav][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00a0\u00bb3_4,1_4&Prime; make_equal=\u00a0\u00bbon\u00a0\u00bb custom_padding_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb admin_label=\u00a0\u00bbRow popupvenster rechts inschrijven op nieuwsbrief\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#00C4B3&Prime; positioning=\u00a0\u00bbabsolute\u00a0\u00bb position_origin_a=\u00a0\u00bbbottom_right\u00a0\u00bb vertical_offset=\u00a0\u00bb120px\u00a0\u00bb z_index=\u00a0\u00bb10&Prime; 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header_font_size=\u00a0\u00bb28px\u00a0\u00bb header_3_font_size=\u00a0\u00bb25px\u00a0\u00bb header_3_line_height=\u00a0\u00bb30px\u00a0\u00bb custom_margin=\u00a0\u00bb||0px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb||0px||false|false\u00a0\u00bb hover_enabled=\u00a0\u00bb0&Prime; text_orientation_tablet=\u00a0\u00bbcenter\u00a0\u00bb text_orientation_phone=\u00a0\u00bbcenter\u00a0\u00bb text_orientation_last_edited=\u00a0\u00bbon|tablet\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;]<\/p>\n<h3>Val\u00e9rie se fera un plaisir de vous aider:<\/h3>\n<p>[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbText functietitel &#038; tel\u00a0\u00bb _builder_version=\u00a0\u00bb4.23.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font=\u00a0\u00bb|||on|||||\u00a0\u00bb text_font_size=\u00a0\u00bb12px\u00a0\u00bb hover_enabled=\u00a0\u00bb0&Prime; text_orientation_tablet=\u00a0\u00bbcenter\u00a0\u00bb 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Ces derni\u00e8res ann\u00e9es, la l\u00e9gislation a beaucoup chang\u00e9 et les polices ont \u00e9t\u00e9 ajust\u00e9es en cons\u00e9quence. Les juristes de CEA BELGIUM vous d\u00e9chargent de A \u00e0 Z lors de l\u2019\u00e9tablissement de vos assurances construction. <\/p>\n","protected":false},"author":6,"featured_media":3596,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"Comment choisir mon assureur pour ma responsabilit\u00e9 civile professionnelle?","_seopress_titles_desc":"Ces derni\u00e8res ann\u00e9es, la l\u00e9gislation a beaucoup chang\u00e9 et les polices ont \u00e9t\u00e9 ajust\u00e9es en cons\u00e9quence. Les juristes de CEA BELGIUM vous d\u00e9chargent de A \u00e0 Z lors de l\u2019\u00e9tablissement de vos assurances construction. 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_module_preset=\"default\" width=\"40%\" global_colors_info=\"{}\"]@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9jYXRlZ29yaWVzIiwic2V0dGluZ3MiOnsiYmVmb3JlIjoiIiwiYWZ0ZXIiOiIiLCJsaW5rX3RvX3Rlcm1fcGFnZSI6Im9uIiwic2VwYXJhdG9yIjoiIHwgIiwiY2F0ZWdvcnlfdHlwZSI6ImNhdGVnb3J5In19@[\/et_pb_text][et_pb_text admin_label=\"Text bericht publish date\" _builder_version=\"4.23.1\" _dynamic_attributes=\"content\" _module_preset=\"default\" custom_padding=\"6px||||false|false\" global_colors_info=\"{}\"]@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9kYXRlIiwic2V0dGluZ3MiOnsiYmVmb3JlIjoiIiwiYWZ0ZXIiOiIiLCJkYXRlX2Zvcm1hdCI6ImN1c3RvbSIsImN1c3RvbV9kYXRlX2Zvcm1hdCI6ImQgRiBZIn19@[\/et_pb_text][et_pb_text admin_label=\"Text Titel blogpost nieuws\" module_class=\"blog\" _builder_version=\"4.23.1\" _module_preset=\"default\" text_font=\"|600||on|||||\" text_font_size=\"16px\" header_font=\"|700|||||||\" header_font_size=\"28px\" header_letter_spacing=\"1px\" header_line_height=\"35px\" width=\"80%\" custom_margin=\"||20px||false|false\" animation_style=\"slide\" animation_direction=\"left\" animation_duration=\"2000ms\" header_font_size_tablet=\"28px\" header_font_size_phone=\"25px\" header_font_size_last_edited=\"on|phone\" global_colors_info=\"{}\"]<\/p><h1>Hoe kies ik als architect of studiebureau mijn verzekeraar voor mijn beroepsaansprakelijkheid en betaal ik niet te veel premie?<\/h1><p>[\/et_pb_text][\/et_pb_column][et_pb_column type=\"2_5\" disabled_on=\"on|on|off\" _builder_version=\"4.20.1\" _module_preset=\"default\" custom_padding=\"40px|0px||0px|false|true\" global_colors_info=\"{}\"][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\"1_2,1_2\" admin_label=\"Row patroon\" _builder_version=\"4.20.1\" _module_preset=\"default\" positioning=\"absolute\" width=\"100%\" max_width=\"100%\" custom_margin=\"0px||0px||false|false\" custom_padding=\"0px||0px||false|false\" global_colors_info=\"{}\"][et_pb_column type=\"1_2\" _builder_version=\"4.20.1\" _module_preset=\"default\" global_colors_info=\"{}\"][\/et_pb_column][et_pb_column type=\"1_2\" _builder_version=\"4.20.1\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_image src=\"https:\/\/cea-belgium.be\/wp-content\/uploads\/2023\/03\/white-circles-blog.svg\" alt=\"White Circles Blog\" title_text=\"White Circles Blog\" disabled_on=\"on|on|off\" admin_label=\"Image patroon\" _builder_version=\"4.23.1\" _module_preset=\"default\" positioning=\"absolute\" vertical_offset=\"38px\" horizontal_offset=\"-67px\" width=\"100%\" global_colors_info=\"{}\"][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\"1\" admin_label=\"Section auteur nieuwsbericht\" _builder_version=\"4.20.1\" _module_preset=\"default\" use_background_color_gradient=\"on\" background_color_gradient_direction=\"90deg\" background_color_gradient_stops=\"#a5358c 50%|#ffffff 50%\" custom_margin=\"0px||0px||false|false\" custom_padding=\"40px||40px||true|false\" background_last_edited=\"on|phone\" use_background_color_gradient_tablet=\"on\" use_background_color_gradient_phone=\"on\" background_color_gradient_direction_tablet=\"180deg\" background_color_gradient_stops_tablet=\"#a5358c 63%|#ffffff 63%\" background_color_gradient_stops_phone=\"#a5358c 55%|#ffffff 55%\" locked=\"off\" global_colors_info=\"{}\"][et_pb_row column_structure=\"3_5,2_5\" _builder_version=\"4.20.1\" _module_preset=\"default\" custom_margin=\"0px||0px||false|false\" custom_padding=\"0px||0px||false|false\" global_colors_info=\"{}\"][et_pb_column type=\"3_5\" _builder_version=\"4.20.1\" _module_preset=\"default\" custom_padding=\"|5%|||false|false\" global_colors_info=\"{}\"][et_pb_image src=\"https:\/\/cea-belgium.be\/wp-content\/uploads\/2023\/03\/CEA-Belgium_fotoshoot_31.png\" alt=\"Anne Sophie\" title_text=\"Anne Sophie\" align_tablet=\"\" align_phone=\"center\" align_last_edited=\"on|phone\" admin_label=\"Image auteur \" _builder_version=\"4.23.1\" _module_preset=\"default\" width=\"300px\" width_tablet=\"300px\" width_phone=\"250px\" width_last_edited=\"on|phone\" border_radii=\"on|50%|50%|50%|50%\" global_colors_info=\"{}\"][\/et_pb_image][\/et_pb_column][et_pb_column type=\"2_5\" disabled_on=\"off|off|off\" _builder_version=\"4.20.1\" _module_preset=\"default\" custom_padding=\"40px|0px||0px|false|true\" global_colors_info=\"{}\"][et_pb_text admin_label=\"Text GESCHREVEN DOOR\" _builder_version=\"4.23.1\" _module_preset=\"default\" text_font=\"|||on|||||\" text_text_color=\"RGBA(35,63,146,0.5)\" custom_margin=\"||0px||false|false\" custom_padding=\"||0px||false|false\" global_colors_info=\"{}\"]<\/p><p>GESCHREVEN DOOR<\/p><p>[\/et_pb_text][et_pb_text admin_label=\"Text naam auteur en functie\" module_class=\"naam-auteur\" _builder_version=\"4.23.1\" _module_preset=\"default\" text_text_color=\"#A5358C\" text_font_size=\"16px\" global_colors_info=\"{}\"]<\/p><p>Anne-Sophie Weemans,<br \/>Key Account Manager \u2013 Juriste CEA Belgium<\/p><p>[\/et_pb_text][et_pb_text admin_label=\"Text geeft meer uitleg en licht de huidige markttrends toe.\" _builder_version=\"4.23.1\" _module_preset=\"default\" text_text_color=\"RGBA(0,0,0,0.5)\" text_font_size=\"20px\" global_colors_info=\"{}\"]<\/p><p>Er zijn slechts een <strong>beperkt aantal verzekeraars <\/strong>die de BA Beroepsaansprakelijkheid aanbieden: AR-CO, \u00a0EUROMAF, HDI en \u00a0PROTECT. CEA BELGIUM werkt als <strong>onafhankelijk makelaar <\/strong>met allemaal samen en adviseert je tot de juiste keuze.<\/p><p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\"1\" admin_label=\"Section inhoud nieuwsbericht\" _builder_version=\"4.20.1\" _module_preset=\"default\" background_enable_color=\"off\" background_image=\"https:\/\/cea-belgium.be\/wp-content\/uploads\/2023\/03\/CEA_Patroon_1-1.png\" background_size=\"initial\" background_position=\"top_left\" background_repeat=\"repeat-y\" custom_margin=\"40px||0px||false|false\" custom_padding=\"0px||0px||false|false\" background_color_phone=\"#FFFFFF\" background_last_edited=\"on|phone\" background_enable_color_phone=\"on\" background_enable_image_phone=\"off\" locked=\"off\" global_colors_info=\"{}\"][et_pb_row custom_padding_last_edited=\"on|phone\" admin_label=\"Row - video tussen de tekst\" module_class=\"video-slider\" _builder_version=\"4.20.1\" _module_preset=\"default\" background_color=\"#FFFFFF\" custom_margin=\"0px||0px||false|false\" custom_padding=\"0px||0px|2%|false|false\" custom_padding_tablet=\"0px||0px|2%|false|false\" custom_padding_phone=\"0px||0px|0%|false|false\" border_color_bottom=\"#ffffff\" border_style_bottom=\"dashed\" locked=\"off\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.20.1\" _module_preset=\"default\" background_enable_color=\"off\" custom_padding=\"|||4%|false|false\" custom_padding_tablet=\"|||4%|false|false\" custom_padding_phone=\"|||0%|false|false\" custom_padding_last_edited=\"on|phone\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.23.1\" _module_preset=\"default\" text_text_color=\"#000000\" header_2_font=\"|600|||||||\" header_2_text_color=\"#233F92\" header_2_font_size=\"20px\" header_2_line_height=\"27px\" background_enable_color=\"off\" text_orientation=\"center\" width=\"91%\" custom_padding=\"|0px||95px||\" global_colors_info=\"{}\"]<\/p><p style=\"text-align: justify;\"><span style=\"color: #333399;\">Er zijn slechts een <strong>beperkt aantal verzekeraars <\/strong>die de <a href=\"https:\/\/cea-belgium.be\/ba-verzekering\/\" target=\"_blank\" rel=\"noopener\">BA Beroepsaansprakelijkheid<\/a> aanbieden: AR-CO, \u00a0EUROMAF, HDI en PROTECT. CEA BELGIUM werkt als <strong>onafhankelijk makelaar <\/strong>met allemaal samen en heeft de <strong>kennis en knowhow<\/strong> om jullie te <strong>begeleiden<\/strong> om de juiste verzekeraar te kiezen. Want elke verzekeraar heeft zijn eigen benadering, gevoeligheden, algemene voorwaarden en aangiftesysteem.<\/span><\/p><p>[\/et_pb_text][et_pb_video_slider show_thumbnails=\"off\" play_icon_color=\"#FFFFFF\" font_icon=\"I||divi||400\" use_icon_font_size=\"on\" thumbnail_overlay_color=\"RGBA(255,255,255,0)\" _builder_version=\"4.23.1\" _module_preset=\"default\" width=\"98%\" max_width=\"82%\" module_alignment=\"center\" global_colors_info=\"{}\"][et_pb_video_slider_item src=\"https:\/\/www.youtube.com\/watch?v=XmJexyI6aWg&list=PLJu1LLQDkzAcXITAtPLMKlWYfzh1WDyYQ\" _builder_version=\"4.23.1\" _module_preset=\"default\" global_colors_info=\"{}\" show_image_overlay=\"off\"][\/et_pb_video_slider_item][\/et_pb_video_slider][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=\"on|tablet\" _builder_version=\"4.20.1\" _module_preset=\"default\" background_color=\"#FFFFFF\" custom_margin=\"0px||0px||false|false\" custom_padding=\"20px|5%|40px|5%|false|false\" custom_padding_tablet=\"|0%|||false|false\" custom_padding_phone=\"|0%||0px|false|false\" border_color_bottom=\"#ffffff\" border_style_bottom=\"dashed\" locked=\"off\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.20.1\" _module_preset=\"default\" background_enable_color=\"off\" custom_padding=\"|||4%|false|false\" custom_padding_tablet=\"|||4%|false|false\" custom_padding_phone=\"|||0%|false|false\" custom_padding_last_edited=\"on|phone\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.23.1\" _module_preset=\"default\" header_2_font=\"|600|||||||\" header_2_text_color=\"#233F92\" header_2_font_size=\"20px\" header_2_line_height=\"27px\" global_colors_info=\"{}\"]<\/p><h2>CONCREET<\/h2><p>[\/et_pb_text][et_pb_text _builder_version=\"4.23.1\" _module_preset=\"default\" text_text_color=\"RGBA(0,0,0,0.5)\" custom_margin=\"-36px||||false|false\" custom_padding=\"||40px||false|false\" hover_enabled=\"0\" global_colors_info=\"{}\" sticky_enabled=\"0\"]<\/p><ul><li>Hoogte van de <strong>minimumpremie<\/strong>, dit is de premie die jaarlijks verschuldigd is. Sommige verzekeraars zetten die laag, andere verzekeraars zetten die op 85 tot 95% van de geraamde premie. Wat is aanvaardbaar zodat jullie niet te veel betalen?<\/li><li>Kiezen voor een <strong>premievoet op bouwkost<\/strong> (de uitgevoerde waarde der werken) of <strong>op ereloon<\/strong> ? Wat is het meest aangewezen voor uw concrete situatie?<\/li><li><strong>Wet Peeters benadering<\/strong> (10- jarige aansprakelijkheid van residenti\u00eble projecten), sommige verzekeraars hebben een aparte afdeling en\/of aparte premievoet ingelast of maken de verzekeringsdekking afhankelijk van de aanvraag van een verzekeringsattest. Welke verzekeraar biedt wat aan?<\/li><li>Welke verzekeraar vraagt <strong>extra kosten<\/strong> bovenop de wettelijke taksen van 9,25% ?<\/li><li>Welke <strong>kortingen<\/strong> geven ze? Bv. voor polis <a href=\"https:\/\/cea-belgium.be\/abr-verzekering\/\" target=\"_blank\" rel=\"noopener\">ABR<\/a><\/li><li>Welke verzekeraar heeft naast een schadedienst ook een service (al dan niet betalend) voor algemeen <strong>juridisch advies<\/strong>?<\/li><li>Verschillen in gronden van <strong>verval van verzekeringsdekking<\/strong> in de Algemene Voorwaarden. Als een verval van dekking wordt ingeroepen, zijn de belangen van verzekeraar en verzekerde niet altijd gelijklopend. Wij verdedigen jullie standpunt;<\/li><li>Wat als ik zowel<strong> architect als bouwheer<\/strong> ben? Hypothese: Ik ben architect van mijn eigen woning. De polis <a href=\"https:\/\/cea-belgium.be\/ba-verzekering\/\" target=\"_blank\" rel=\"noopener\">beroepsaansprakelijkheid<\/a> dekt de schade aan derden. Je bent geen \u201cderde\u201d in deze situatie en dus onderzoeken wij of jouw eigen materi\u00eble schade gedekt zal kunnen worden en onder welke voorwaarden.<\/li><\/ul><p>CEA BELGIUM verdedigt als makelaar uw belangen.<\/p><p>\u00a0<\/p><p>\u00a0<\/p><p>\u00a0<\/p><p>\u00a0<\/p><p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=\"on|tablet\" _builder_version=\"4.23.1\" _module_preset=\"default\" background_color=\"#FFFFFF\" custom_margin=\"0px||0px||false|false\" custom_padding=\"20px|5%|40px|5%|false|false\" custom_padding_tablet=\"|0%|||false|false\" custom_padding_phone=\"|0%||0px|false|false\" border_color_bottom=\"#ffffff\" border_style_bottom=\"dashed\" locked=\"off\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.20.1\" _module_preset=\"default\" background_enable_color=\"off\" custom_padding=\"|||4%|false|false\" custom_padding_tablet=\"|||4%|false|false\" custom_padding_phone=\"|||0%|false|false\" custom_padding_last_edited=\"on|phone\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.23.1\" _module_preset=\"default\" text_text_color=\"RGBA(0,0,0,0.5)\" custom_margin=\"-228px||||false|false\" custom_padding=\"3px||||false|false\" border_width_all=\"2px\" border_color_all=\"#000000\" global_colors_info=\"{}\"]<\/p><h1>\u00a0<\/h1><p style=\"text-align: left;\"><strong>\u00a0 \u00a0 Wist je dat CEA BELGIUM?\u00a0<\/strong><\/p><ul><li style=\"list-style-type: none;\"><ul><li>Een jaarlijks premievolume van <strong>7.000.000\u20ac<\/strong> in de beroepsaansprakelijkheidsverzekering van ontwerpers heeft<\/li><li>\u00c9n meer dan <strong>1500 <\/strong>architecten en studiebureaus als klant (\u00e9\u00e9nmanszaken, KMO\u2019s en grootste bureaus)<\/li><li>Al meer dan <strong>16<\/strong> jaar actief in Belgi\u00eb<\/li><li>Deel is van een internationale groep, hoofdzetel in Parijs : actief in <strong>3<\/strong> landen met een <strong>150<\/strong>-tal collega\u2019s<\/li><\/ul><\/li><\/ul><p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=\"on|tablet\" _builder_version=\"4.20.1\" _module_preset=\"default\" background_color=\"#FFFFFF\" custom_margin=\"0px||0px||false|false\" custom_padding=\"20px|5%|40px|5%|false|false\" custom_padding_tablet=\"|0%|||false|false\" custom_padding_phone=\"|0%||0px|false|false\" border_color_bottom=\"#ffffff\" border_style_bottom=\"dashed\" locked=\"off\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.20.1\" _module_preset=\"default\" background_enable_color=\"off\" custom_padding=\"|||4%|false|false\" custom_padding_tablet=\"|||4%|false|false\" custom_padding_phone=\"|||0%|false|false\" custom_padding_last_edited=\"on|phone\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.23.1\" _module_preset=\"default\" header_2_font=\"|600|||||||\" header_2_text_color=\"#233F92\" header_2_font_size=\"20px\" header_2_line_height=\"27px\" custom_margin=\"-56px||||false|false\" global_colors_info=\"{}\"]<\/p><h2><strong>Een andere vraag die je jou stelt als architect of studiebureau : <em>betaal ik niet te veel premie?<\/em> <\/strong><\/h2><p><strong>De hoogte van de premie hangt af van verschillende factoren: <\/strong><\/p><p>[\/et_pb_text][et_pb_text _builder_version=\"4.23.1\" _module_preset=\"default\" text_text_color=\"RGBA(0,0,0,0.5)\" custom_margin=\"-77px||||false|false\" custom_padding=\"1px||||false|false\" hover_enabled=\"0\" global_colors_info=\"{}\" sticky_enabled=\"0\"]<\/p><p>\u00a0<\/p><ul><li><strong>Gewaarborgde kapitalen<\/strong>, aangepast aan activiteit van het kantoor en het type projecten. Naast de basiskapitalen kan je de waarborg voor materi\u00eble en immateri\u00eble schade aanpassen voor een welbepaald project en daaraan is een specifieke premie gekoppeld;<\/li><li><strong>Vrijstelling<\/strong> : variabel of forfaitair ? indexatie ?, van toepassing op verdedigingskosten (advocaten en experten bij schade) ? Het bedrag van de vrijstelling heeft een invloed op de premievoet<\/li><li><strong>Schadestatistiek<\/strong>: verhouding S\/P = schadelast tegenover opgebouwd premievolume bepaalt of je een goede of slechte schadestatistiek hebt. Schadelast is wat er effectief wordt uitbetaald in schade of in reserve wordt geplaatst voor bepaald schadedossier. \u00a0Uit de schadestatistiek blijkt ook de recurrentie. Wij analyseren en bespreken dit jaarlijks met de verzekeraar en bekijken de effectieve stand van zaken van de respectievelijke schadedossiers.<\/li><\/ul><p>\u00a0<\/p><p>\u00a0<\/p><p>\u00a0<\/p><p>[\/et_pb_text][et_pb_text _builder_version=\"4.23.1\" _module_preset=\"default\" header_2_font=\"|600|||||||\" header_2_text_color=\"#233F92\" header_2_font_size=\"20px\" header_2_line_height=\"27px\" custom_margin=\"-100px||||false|false\" global_colors_info=\"{}\"]<\/p><h2>Onze aanpak bij CEA BELGIUM<\/h2><p>[\/et_pb_text][et_pb_text _builder_version=\"4.23.1\" _module_preset=\"default\" text_text_color=\"RGBA(0,0,0,0.5)\" custom_margin=\"-12px||||false|false\" global_colors_info=\"{}\"]<\/p><ul><li><strong>Risicoanalyse <\/strong>en<strong> offerteaanvraag <\/strong>op maat van uw kantoor en activiteit;<\/li><li><strong>Vrijblijvende marktstudie <\/strong>( Zijn de huidige voorwaarden concurrentieel ?<\/li><li>Kritische beoordeling van de <strong>schadestatistiek<\/strong> : verhouding S\/P<\/li><li><strong>Zonder meerkosten <\/strong>voor de klant! Commissie van de makelaar is inbegrepen in de premie die je betaald en die wij onderhandelen voor zo laag mogelijk. Dus een win-win situatie voor u.<\/li><li><strong>Parameters <\/strong>(gewaarborgde kapitalen, vrijstelling, premievoet, minimumpremie en kortingen) worden verwerkt in een <strong>vergelijkende tabel <\/strong>en we maken een<strong> premiesimulatie <\/strong><\/li><li><strong>Vervolgens overleg <\/strong>met de klant om een weloverwogen keuze te maken. Uitgangspunt is altijd het bestendigen van de relatie met de bestaande verzekeraar! Maar als er een beter voorstel is, begeleiden we je in de overstap.<\/li><\/ul><p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=\"on|tablet\" _builder_version=\"4.20.1\" _module_preset=\"default\" background_color=\"#FFFFFF\" custom_margin=\"0px||0px||false|false\" custom_padding=\"20px|5%|40px|5%|false|false\" custom_padding_tablet=\"|0%|||false|false\" custom_padding_phone=\"|0%||0px|false|false\" border_color_bottom=\"#ffffff\" border_style_bottom=\"dashed\" locked=\"off\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.20.1\" _module_preset=\"default\" background_enable_color=\"off\" custom_padding=\"|||4%|false|false\" custom_padding_tablet=\"|||4%|false|false\" custom_padding_phone=\"|||0%|false|false\" custom_padding_last_edited=\"on|phone\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.23.1\" _module_preset=\"default\" header_2_font=\"|600|||||||\" header_2_text_color=\"#233F92\" header_2_font_size=\"20px\" header_2_line_height=\"27px\" custom_margin=\"-31px||||false|false\" global_colors_info=\"{}\"]<\/p><h2>Waarom CEA Belgium?<\/h2><p>[\/et_pb_text][et_pb_text _builder_version=\"4.23.1\" _module_preset=\"default\" text_text_color=\"RGBA(0,0,0,0.5)\" custom_margin=\"-15px||||false|false\" global_colors_info=\"{}\"]<\/p><ul><li>Uw dossierbeheerder is altijd een jurist die uw <strong>uniek aanspreekpunt <\/strong> We volgen het op van A tot Z.<\/li><li><strong>Nederlandstalige <\/strong>en<strong> Franstalige <\/strong>dossierbeheerders;<\/li><li>Voor abonnementspolissen, ook voor uw <strong>enige werfpolissen <\/strong>en de projecten in het <strong>buitenland;<\/strong><\/li><li>Bevoorrechte <strong>partnermakelaar<\/strong>;<\/li><li>Exclusieve <strong>specialisatie in bouwverzekeringen<\/strong>. Ook ABR, globale polis voor de decenale, maar ook voltooiingswaarborg Wet Breyne;<\/li><li>Voordeel dat onze dossierbeheerders juristen zijn:<ul><li>Laatste 4 jaar veel <strong>gewijzigd in de wetgeving <\/strong>en de polissen werden daaraan aangepast;<\/li><li>Proactief begeleiden bij de <strong>opmaak<\/strong> van de <strong>architectuurovereenkomsten<\/strong>b.t. het luik aansprakelijkheid en verzekering;<\/li><li>Meer en grotere claims worden ingesteld door de bouwheren. CEA BELGIUM verleent <strong>eerstelijns bijstand <\/strong>bij (potenti\u00eble) <strong>schade<\/strong> op de werf wanneer uw aansprakelijkheid mogelijks in het gedrang zou komen.<\/li><\/ul><\/li><\/ul><p>\u00a0<\/p><p>\u00a0<\/p><p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=\"on|phone\" admin_label=\"Row - fotoslider tussen de teksten\" _builder_version=\"4.20.1\" _module_preset=\"default\" background_color=\"#FFFFFF\" custom_margin=\"0px||0px||false|false\" custom_padding=\"20px|5px|40px|5%|false|false\" custom_padding_tablet=\"0px|0%|0px|5%|false|false\" custom_padding_phone=\"0px||0px|0%|false|false\" border_color_bottom=\"#ffffff\" border_style_bottom=\"dashed\" locked=\"off\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.20.1\" _module_preset=\"default\" background_enable_color=\"off\" custom_padding=\"|||4%|false|false\" custom_padding_tablet=\"|||4%|false|false\" custom_padding_phone=\"|||0%|false|false\" 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custom_padding_last_edited=\"on|tablet\" admin_label=\"Section afsluiting CTA building confidence CTA contact opnemen met schrijver nieuwsbericht \" _builder_version=\"4.20.1\" _module_preset=\"default\" use_background_color_gradient=\"on\" background_color_gradient_direction=\"90deg\" background_color_gradient_stops=\"#00c4b3 35%|#a5358c 35%\" custom_padding=\"60px||60px||true|false\" custom_padding_tablet=\"20px||20px||true|false\" custom_padding_phone=\"20px||20px||true|false\" background_last_edited=\"on|phone\" use_background_color_gradient_tablet=\"on\" use_background_color_gradient_phone=\"on\" background_color_gradient_direction_tablet=\"180deg\" background_color_gradient_stops_tablet=\"#00c4b3 34%|#a5358c 34%\" background_color_gradient_stops_phone=\"#00c4b3 32%|#a5358c 32%\" global_colors_info=\"{}\"][et_pb_row column_structure=\"1_3,1_3,1_3\" _builder_version=\"4.20.1\" _module_preset=\"default\" custom_margin=\"0px||0px||false|false\" custom_padding=\"0px||0px||false|false\" global_colors_info=\"{}\"][et_pb_column type=\"1_3\" _builder_version=\"4.20.1\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text admin_label=\"BUILDING CONFIDENCE\" _builder_version=\"4.20.1\" _module_preset=\"default\" header_font_size=\"28px\" header_3_font=\"|||on|||||\" header_3_font_size=\"25px\" header_3_line_height=\"30px\" custom_padding=\"40px||||false|false\" custom_padding_tablet=\"40px||||false|false\" custom_padding_phone=\"20px||||false|false\" custom_padding_last_edited=\"on|phone\" text_orientation_tablet=\"center\" text_orientation_phone=\"center\" text_orientation_last_edited=\"on|tablet\" global_colors_info=\"{}\"]<\/p><h3>BUILDING<br \/>CONFIDENCE<\/h3><p>[\/et_pb_text][et_pb_button button_text=\"ONZE WAARDEN\" button_alignment=\"left\" button_alignment_tablet=\"center\" button_alignment_phone=\"center\" button_alignment_last_edited=\"on|phone\" admin_label=\"Button ONZE WAARDEN\" _builder_version=\"4.20.1\" _module_preset=\"default\" custom_button=\"on\" button_text_size=\"12px\" button_text_color=\"#FFFFFF\" button_bg_color=\"#233F92\" button_font=\"|700||on|||||\" button_use_icon=\"off\" custom_margin=\"||||false|false\" custom_margin_tablet=\"||50px||false|false\" custom_margin_phone=\"||0px||false|false\" custom_margin_last_edited=\"on|tablet\" custom_padding=\"10px|30px|10px|30px|true|true\" locked=\"off\" global_colors_info=\"{}\"][\/et_pb_button][\/et_pb_column][et_pb_column type=\"1_3\" _builder_version=\"4.20.1\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_image src=\"https:\/\/cea-belgium.be\/wp-content\/uploads\/2023\/03\/CEA-Belgium_fotoshoot_31.png\" alt=\"Anne Sophie\" title_text=\"Anne Sophie\" align=\"center\" admin_label=\"Image auteur\" _builder_version=\"4.23.1\" _module_preset=\"default\" width=\"60%\" width_tablet=\"50%\" width_phone=\"50%\" width_last_edited=\"on|tablet\" custom_padding_tablet=\"\" custom_padding_phone=\"20px||||false|false\" custom_padding_last_edited=\"on|phone\" border_radii=\"on|50%|50%|50%|50%\" global_colors_info=\"{}\"][\/et_pb_image][\/et_pb_column][et_pb_column type=\"1_3\" _builder_version=\"4.20.1\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text admin_label=\"Text auter gidst je graag verder:\" _builder_version=\"4.23.1\" _module_preset=\"default\" header_font_size=\"28px\" header_3_font_size=\"25px\" header_3_line_height=\"30px\" custom_margin=\"||0px||false|false\" custom_padding=\"||0px||false|false\" text_orientation_tablet=\"center\" text_orientation_phone=\"center\" text_orientation_last_edited=\"on|tablet\" global_colors_info=\"{}\"]<\/p><h3>Anne-Sophie gidst je graag verder:<\/h3><p>[\/et_pb_text][et_pb_text admin_label=\"Text functietitel & tel\" _builder_version=\"4.23.1\" _module_preset=\"default\" text_font=\"|||on|||||\" text_font_size=\"12px\" text_orientation_tablet=\"center\" text_orientation_phone=\"center\" text_orientation_last_edited=\"on|tablet\" global_colors_info=\"{}\"]<\/p><p>Anne-Sophie Weemans - Key Account Manager \u2013 Juriste CEA Belgium<br \/>+ 32 761 94 08<\/p><p>[\/et_pb_text][et_pb_button button_url=\"mailto:nno@cea-belgium.be\" button_text=\"awe@cea-belgium.be\" button_alignment=\"left\" button_alignment_tablet=\"center\" button_alignment_phone=\"center\" button_alignment_last_edited=\"on|phone\" admin_label=\"Button emailadres auteur\" _builder_version=\"4.23.1\" _module_preset=\"default\" custom_button=\"on\" button_text_size=\"12px\" button_text_color=\"#FFFFFF\" button_bg_color=\"#233F92\" button_font=\"|700||on|||||\" button_use_icon=\"off\" custom_margin=\"||||false|false\" custom_margin_tablet=\"||50px||false|false\" custom_margin_phone=\"||20px||false|false\" custom_margin_last_edited=\"on|tablet\" custom_padding=\"10px|30px|10px|30px|true|true\" locked=\"off\" global_colors_info=\"{}\"][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\"1\" disabled_on=\"off|off|off\" admin_label=\"Section nieuwsberichten\" _builder_version=\"4.20.1\" _module_preset=\"default\" background_color=\"#233F92\" global_module=\"175\" saved_tabs=\"all\" global_colors_info=\"{}\"][et_pb_row _builder_version=\"4.20.1\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.20.1\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_blog fullwidth=\"off\" posts_number=\"3\" meta_date=\"d\/m\/Y\" show_thumbnail=\"off\" show_more=\"on\" show_author=\"off\" show_pagination=\"off\" masonry_tile_background_color=\"RGBA(255,255,255,0)\" _builder_version=\"4.20.1\" _module_preset=\"default\" header_font=\"|||on|||||\" header_font_size=\"17px\" header_line_height=\"1.3em\" body_text_color=\"#FFFFFF\" body_font_size=\"16px\" meta_text_color=\"#FFFFFF\" border_width_all=\"0px\" global_colors_info=\"{}\"][\/et_pb_blog][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>","_et_gb_content_width":"","inline_featured_image":false,"footnotes":""},"categories":[34],"tags":[],"class_list":["post-3628","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"_links":{"self":[{"href":"https:\/\/cea-belgium.be\/fr\/wp-json\/wp\/v2\/posts\/3628","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cea-belgium.be\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cea-belgium.be\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cea-belgium.be\/fr\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/cea-belgium.be\/fr\/wp-json\/wp\/v2\/comments?post=3628"}],"version-history":[{"count":16,"href":"https:\/\/cea-belgium.be\/fr\/wp-json\/wp\/v2\/posts\/3628\/revisions"}],"predecessor-version":[{"id":3653,"href":"https:\/\/cea-belgium.be\/fr\/wp-json\/wp\/v2\/posts\/3628\/revisions\/3653"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cea-belgium.be\/fr\/wp-json\/wp\/v2\/media\/3596"}],"wp:attachment":[{"href":"https:\/\/cea-belgium.be\/fr\/wp-json\/wp\/v2\/media?parent=3628"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cea-belgium.be\/fr\/wp-json\/wp\/v2\/categories?post=3628"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cea-belgium.be\/fr\/wp-json\/wp\/v2\/tags?post=3628"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}