{"id":2837,"date":"2026-11-04T17:22:00","date_gmt":"2026-11-04T16:22:00","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/actualites\/?p=2837"},"modified":"2026-11-04T17:22:50","modified_gmt":"2026-11-04T16:22:50","slug":"les-independants-peu-couverts-en-cas-de-coup-dur","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/les-independants-peu-couverts-en-cas-de-coup-dur","title":{"rendered":"Les ind\u00e9pendants peu couverts en cas de \u00ab coup dur \u00bb"},"content":{"rendered":"<p>Pr\u00e8s de quatre travailleurs ind\u00e9pendants sur dix (39%) ne disposent d\u2019aucune assurance pr\u00e9voyance compl\u00e9mentaire \u00e0 leur r\u00e9gime de protection sociale obligatoire. Cette proportion grimpe \u00e0 63% chez les auto-entrepreneurs (d\u00e9nomm\u00e9s micro-entrepreneurs depuis 2016), selon la premi\u00e8re \u00e9dition de l\u2019Observatoire de la protection des ind\u00e9pendants, publi\u00e9e mercredi 3 novembre par l\u2019Association des Assur\u00e9s du courtier APRIL<em><sup>(*)<\/sup><\/em>.<\/p>\n<p>Cette assurance, distincte de la compl\u00e9mentaire sant\u00e9, vise \u00e0 prot\u00e9ger les revenus de l\u2019assur\u00e9 en cas d\u2019arr\u00eat de travail \u00e0 la suite d\u2019une maladie ou d\u2019un accident, gr\u00e2ce au versement d\u2019indemnit\u00e9s journali\u00e8res. Elle peut \u00e9galement pr\u00e9voir une rente ou un capital en cas d\u2019invalidit\u00e9, ainsi qu\u2019un capital destin\u00e9 aux proches en cas de d\u00e9c\u00e8s.<\/p>\n<p>Les disparit\u00e9s sont importantes selon les statuts, constate l\u2019\u00e9tude. Le taux de couverture atteint 85% dans les professions r\u00e9glement\u00e9es (m\u00e9decins, avocats, notaires, pharmaciens\u2026) et 71% chez les artisans, les commer\u00e7ants et les chefs d\u2019entreprise non-salari\u00e9s, contre seulement 37% chez les micro-entrepreneurs.<\/p>\n<p>Chez l\u2019ensemble des ind\u00e9pendants, le co\u00fbt constitue le principal obstacle \u00e0 la souscription, cit\u00e9 par 47% des personnes non couvertes. Plus d\u2019un sur deux ne pourrait maintenir son niveau de vie au-del\u00e0 de trois mois sans revenus, les plus modestes \u00e9tant particuli\u00e8rement expos\u00e9s.<\/p>\n<p>En cas d\u2019arr\u00eat de travail prolong\u00e9, 38% des travailleurs ind\u00e9pendants anticipent une forte baisse de revenus et 32% des difficult\u00e9s \u00e0 payer leurs charges fixes. Parmi les non-assur\u00e9s, 35% comptent sur leur \u00e9pargne et autant sur une reprise rapide de leur activit\u00e9. Un sur cinq (21%) d\u00e9clare ne disposer d\u2019aucune solution pour faire face \u00e0 un coup dur.<\/p>\n<p><em><sup>(*)<\/sup><\/em><em>M\u00e9thodologie : enqu\u00eate t\u00e9l\u00e9phonique r\u00e9alis\u00e9e par CSA \/ Callson du 22 juin au 15 juillet 2026 aupr\u00e8s d\u2019un \u00e9chantillon national repr\u00e9sentatif de 752 travailleurs non-salari\u00e9s.<\/em><\/p>\n<p>LF\/JPD<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Selon un observatoire publi\u00e9 le 3 novembre, 39% des travailleurs ind\u00e9pendants ne disposent pas d\u2019une pr\u00e9voyance proposant une indemnisation pour eux ou leurs proches en cas d\u2019arr\u00eat de travail, d\u2019invalidit\u00e9 ou de d\u00e9c\u00e8s.<\/p>\n","protected":false},"author":13718,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2837","post","type-post","status-publish","format-standard","hentry","category-a-la-une"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Les ind\u00e9pendants peu couverts en cas de \u00ab coup dur \u00bb<\/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:\/\/www.toutsurmesfinances.com\/actualites\/a\/les-independants-peu-couverts-en-cas-de-coup-dur\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les ind\u00e9pendants peu couverts en cas 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