{"id":666321,"date":"2026-04-24T01:15:40","date_gmt":"2026-04-23T23:15:40","guid":{"rendered":"https:\/\/kohenavocats.com\/cour-dappel-de-paris-le-8-juillet-2024-n23-07069\/"},"modified":"2026-04-24T01:15:40","modified_gmt":"2026-04-23T23:15:40","slug":"cour-dappel-de-paris-le-8-juillet-2024-n23-07069","status":"publish","type":"post","link":"https:\/\/kohenavocats.com\/tr\/cour-dappel-de-paris-le-8-juillet-2024-n23-07069\/","title":{"rendered":"Cour d’appel de Paris, le 8 juillet 2024, n\u00b023\/07069"},"content":{"rendered":"
\n

La cour d’appel de Paris, le 8 juillet 2024, statue sur un litige opposant un restaurateur \u00e0 son assureur. L’\u00e9tablissement, comprenant un restaurant et une salle de conf\u00e9rences, subit des fermetures durant la pand\u00e9mie de Covid-19. L’assur\u00e9 invoque la garantie pertes d’exploitation pour fermeture administrative. La cour confirme la condamnation de l’assureur \u00e0 indemniser, estimant les conditions de la garantie remplies malgr\u00e9 la possibilit\u00e9 de vente \u00e0 emporter.<\/p>\n

La qualification contractuelle de la fermeture administrative<\/p>\n

L’interpr\u00e9tation extensive d’une clause de garantie<\/p>\n

La clause contractuelle vise une fermeture impos\u00e9e par les services de police, d’hygi\u00e8ne ou de s\u00e9curit\u00e9. Elle emploie aussi les termes “fermeture sur ordre des autorit\u00e9s”. La cour rel\u00e8ve que ces formulations sont globales et sans distinction de cause. “La garantie n’est pas conditionn\u00e9e \u00e0 une fermeture administrative prononc\u00e9e \u00e0 titre individuel \u00e0 l’\u00e9gard d’un \u00e9tablissement nomm\u00e9ment d\u00e9sign\u00e9” (Motifs). Cette interpr\u00e9tation large \u00e9carte l’exigence d’une mesure sp\u00e9cifique et nominative. Elle favorise ainsi l’assur\u00e9 en \u00e9tendant le champ des \u00e9v\u00e9nements couverts par la police.<\/p>\n

L’appr\u00e9ciation in concreto de la mesure d’interdiction<\/p>\n

Les arr\u00eat\u00e9s et d\u00e9crets interdisant l’accueil du public sont analys\u00e9s comme des ordres des autorit\u00e9s. La cour constate leur impact direct sur l’activit\u00e9. “Ces mesures successives d’interdiction d’accueillir du public ont eu pour cons\u00e9quence directe l’impossibilit\u00e9 d’exercer l’activit\u00e9 de restauration en salle” (Motifs). La possibilit\u00e9 r\u00e9siduelle de vente \u00e0 emporter est jug\u00e9e non pertinente pour caract\u00e9riser l’ouverture. Cette analyse se concentre sur l’effet concret de la mesure r\u00e9glementaire sur l’exploitation normale de l’\u00e9tablissement assur\u00e9.<\/p>\n

La preuve de la r\u00e9alisation du risque garanti<\/p>\n

La charge de la preuve et l’articulation des textes<\/p>\n

La cour rappelle le principe de l’article 1353 du code civil. “Il appartient \u00e0 l’assur\u00e9 de d\u00e9montrer que les conditions d’application de la garantie sont remplies” (Motifs). L’assur\u00e9 satisfait \u00e0 cette charge en produisant les textes r\u00e9glementaires. La cour \u00e9tablit un lien direct entre ces textes et l’interruption d’activit\u00e9. Elle \u00e9carte l’argument de l’assureur fond\u00e9 sur le maintien d’une activit\u00e9 r\u00e9siduelle. La d\u00e9cision op\u00e8re ainsi une distinction nette entre l’existence d’un ordre et ses modalit\u00e9s d’ex\u00e9cution.<\/p>\n

La distinction avec d’autres configurations jurisprudentielles<\/p>\n

La solution se distingue d’autres arr\u00eats concernant des mesures restrictives non assimilables \u00e0 une fermeture. Un arr\u00eat ant\u00e9rieur a jug\u00e9 que des restrictions d’acc\u00e8s ne constituaient pas une interdiction. “Les mesures de restrictions prises n’\u00e9taient pas constitutives de mesures d’interdiction d’acc\u00e8s aux locaux des restaurants puisque cet acc\u00e8s \u00e9tait toujours possible” (Cass. Deuxi\u00e8me chambre civile, le 28 mai 2025, n\u00b023-20.093). En l’esp\u00e8ce, l’interdiction g\u00e9n\u00e9rale d’accueillir du public est jug\u00e9e plus radicale. La cour \u00e9carte \u00e9galement l’id\u00e9e que la cause collective de la fermeture l’exclurait de la garantie.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

La cour d’appel de Paris, le 8 juillet 2024, statue sur un litige opposant un restaurateur \u00e0 son assureur. 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