{"id":670247,"date":"2026-04-24T07:33:34","date_gmt":"2026-04-24T05:33:34","guid":{"rendered":"https:\/\/kohenavocats.com\/tribunal-judiciaire-de-marseille-le-14-mars-2024-n21-06214\/"},"modified":"2026-04-24T07:33:34","modified_gmt":"2026-04-24T05:33:34","slug":"tribunal-judiciaire-de-marseille-le-14-mars-2024-n21-06214","status":"publish","type":"post","link":"https:\/\/kohenavocats.com\/zh-hans\/tribunal-judiciaire-de-marseille-le-14-mars-2024-n21-06214\/","title":{"rendered":"Tribunal judiciaire de Marseille, le 14 mars 2024, n\u00b021\/06214"},"content":{"rendered":"<div class=\"article-content\">\n<p>Le tribunal judiciaire, dans un jugement du 14 mars 2024, examine un litige opposant une soci\u00e9t\u00e9 exploitant un restaurant \u00e0 ses assureurs. Le conflit porte sur l&#8217;indemnisation des pertes d&#8217;exploitation suite aux fermetures administratives li\u00e9es \u00e0 la pand\u00e9mie de Covid-19. La juridiction se prononce sur la validit\u00e9 d&#8217;une clause d&#8217;exclusion et sur la mise en \u0153uvre de la garantie. Elle accueille en partie les demandes de l&#8217;entreprise assur\u00e9e et condamne les assureurs \u00e0 indemniser.<\/p>\n<p>La sanction d&#8217;une clause d&#8217;exclusion non conforme<\/p>\n<p>Le tribunal \u00e9carte d&#8217;abord la clause d&#8217;exclusion sp\u00e9cifique invoqu\u00e9e par les assureurs. Il rappelle l&#8217;exigence de caract\u00e8res tr\u00e8s apparents pour les clauses restrictives. La clause litigieuse figure en annexe sans mise en relief suffisante par rapport au reste du texte. Le seul titre en gras ne constitue pas une mention tr\u00e8s apparente au sens de la loi. D\u00e8s lors, la clause est d\u00e9clar\u00e9e non \u00e9crite pour d\u00e9faut de validit\u00e9 formelle. Cette rigueur prot\u00e8ge l&#8217;assur\u00e9 contre les limitations de garantie dissimul\u00e9es.<\/p>\n<p>La port\u00e9e de cette analyse est imm\u00e9diate pour la s\u00e9curit\u00e9 juridique des contrats. Elle rappelle l&#8217;importance de la lisibilit\u00e9 des exclusions. Une mise en page distinctive est essentielle pour leur opposabilit\u00e9. Cette exigence formelle stricte s&#8217;inscrit dans un souci de protection de la partie faible. Elle pr\u00e9vient toute ambigu\u00eft\u00e9 sur l&#8217;\u00e9tendue des risques couverts par le contrat d&#8217;assurance.<\/p>\n<p>L&#8217;appr\u00e9ciation extensive d&#8217;une garantie de fermeture administrative<\/p>\n<p>Le tribunal retient ensuite le caract\u00e8re garanti de la fermeture subie. La police couvre les pertes cons\u00e9cutives \u00e0 une d\u00e9cision des autorit\u00e9s suite \u00e0 un \u00e9v\u00e9nement ext\u00e9rieur. La pand\u00e9mie mondiale et le confinement constituent un tel \u00e9v\u00e9nement portant atteinte \u00e0 la s\u00e9curit\u00e9. La garantie est donc applicable sans qu&#8217;un sinistre mat\u00e9riel ne soit n\u00e9cessaire. Cette interpr\u00e9tation favorise l&#8217;indemnisation de l&#8217;assur\u00e9 confront\u00e9 \u00e0 un risque exceptionnel.<\/p>\n<p>La valeur de cette solution r\u00e9side dans son approche concr\u00e8te de la notion d&#8217;\u00e9v\u00e9nement ext\u00e9rieur. Elle reconna\u00eet la pand\u00e9mie comme un fait justifiant une fermeture administrative protectrice. Cette lecture large de la garantie r\u00e9pond aux circonstances exceptionnelles de la crise sanitaire. Elle permet une couverture effective des pertes \u00e9conomiques subies par l&#8217;entreprise assur\u00e9e.<\/p>\n<p>La quantification modul\u00e9e de l&#8217;indemnit\u00e9 due<\/p>\n<p>Le tribunal proc\u00e8de ensuite \u00e0 un calcul minutieux de l&#8217;indemnisation. Il applique le plafond contractuel et op\u00e8re plusieurs abattements justifi\u00e9s. L&#8217;activit\u00e9 de vente \u00e0 distance n&#8217;\u00e9tait pas interdite par les arr\u00eat\u00e9s contest\u00e9s. La fermeture de ce service rel\u00e8ve d&#8217;une d\u00e9cision de gestion interne de la franchise. Un abattement de cinquante pour cent sur la marge brute est donc retenu pour refl\u00e9ter cette r\u00e9alit\u00e9 \u00e9conomique.<\/p>\n<p>Un second abattement de trente pour cent est appliqu\u00e9 pour tenir compte des facteurs externes. La pand\u00e9mie a affect\u00e9 l&#8217;ensemble de la conjoncture \u00e9conomique du secteur. Les aides publiques per\u00e7ues doivent \u00e9galement \u00eatre int\u00e9gr\u00e9es pour \u00e9viter un enrichissement sans cause. Le tribunal ajoute enfin les pertes sur stock et certains frais suppl\u00e9mentaires justifi\u00e9s. Ce calcul d\u00e9taill\u00e9 vise \u00e0 une indemnisation exacte et proportionn\u00e9e du pr\u00e9judice r\u00e9el.<\/p>\n<p>La port\u00e9e de cette m\u00e9thode est d&#8217;\u00e9tablir un cadre pour l&#8217;\u00e9valuation des pertes pand\u00e9miques. Elle distingue l&#8217;impact direct de la fermeture administrative des autres facteurs. Elle int\u00e8gre les aides publiques dans le calcul pour neutraliser les doubles compensations. Cette approche \u00e9quilibr\u00e9e cherche \u00e0 indemniser sans cr\u00e9er d&#8217;effet d&#8217;aubaine pour l&#8217;assur\u00e9. Elle guide les futures expertises dans des litiges similaires li\u00e9s \u00e0 la crise sanitaire.<\/p>\n<p>Ce jugement illustre le contr\u00f4le strict des clauses restrictives en droit des assurances. Il offre \u00e9galement une interpr\u00e9tation adaptative des garanties en p\u00e9riode de crise. La reconnaissance de la pand\u00e9mie comme \u00e9v\u00e9nement ext\u00e9rieur garantissable est notable. Le mode de calcul de l&#8217;indemnit\u00e9 marque enfin un souci d&#8217;\u00e9quit\u00e9 entre les parties. Cette d\u00e9cision contribue \u00e0 la jurisprudence naissante sur les cons\u00e9quences \u00e9conomiques du Covid-19.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Le tribunal judiciaire, dans un jugement du 14 mars 2024, examine un litige opposant une soci\u00e9t\u00e9 exploitant un restaurant \u00e0 ses assureurs. Le conflit porte s&#8230;<\/p>\n","protected":false},"author":232070755,"featured_media":4862,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_crdt_document":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_kj_source_type":"judilibre","_kj_official_id":"68cc50239da368950468bad3","_kj_official_url":"https:\/\/www.courdecassation.fr\/decision\/68cc50239da368950468bad3","_kj_judilibre_id":"68cc50239da368950468bad3","_kj_jur":"Tribunal judiciaire","_kj_lieu":"Tribunal judiciaire de Marseille","_kj_chambre":"3\u00e8me Chbre Cab B1","_kj_rg":"21\/06214","_kj_date":"2025-09-18","_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[7096,7597],"tags":[],"class_list":["post-670247","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-code-des-assurances","category-jurisprudence"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Tribunal judiciaire de Marseille, le 14 mars 2024, n\u00b021\/06214 - Ma\u00eetre Hassan Kohen, avocat en droit p\u00e9nal \u00e0 Paris<\/title>\n<meta name=\"description\" content=\"Le tribunal judiciaire, dans un jugement du 14 mars 2024, examine un litige opposant une soci\u00e9t\u00e9 exploitant un restaurant \u00e0 ses assureurs. 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