{"id":12366,"date":"2025-10-24T12:15:00","date_gmt":"2025-10-24T11:15:00","guid":{"rendered":"https:\/\/lamarinabj.com\/?p=12366"},"modified":"2025-10-24T09:19:41","modified_gmt":"2025-10-24T08:19:41","slug":"assurances-industrielles-quand-une-clause-mal-redigee-coute-146-millions-a-la-nsia-benin","status":"publish","type":"post","link":"https:\/\/lamarinabj.com\/index.php\/2025\/10\/24\/assurances-industrielles-quand-une-clause-mal-redigee-coute-146-millions-a-la-nsia-benin\/","title":{"rendered":"Assurances industrielles : quand une clause mal r\u00e9dig\u00e9e co\u00fbte 146 millions \u00e0 la NSIA B\u00e9nin"},"content":{"rendered":"\n

Justice, La Marina BJ<\/strong><\/mark> \u2014 C\u2019est une d\u00e9cision qui risque de faire \u00e9cole dans le secteur de l\u2019assurance au B\u00e9nin. Par un jugement rendu le 13 octobre 2025, le Tribunal de commerce de Cotonou a condamn\u00e9 la NSIA B\u00e9nin SA \u00e0 verser 146,6 millions de francs CFA \u00e0 la soci\u00e9t\u00e9 NEEMBA B\u00e9nin SASU, ex-B\u00e9nin \u00c9quipements. En toile de fond : une clause d\u2019assurance mal r\u00e9dig\u00e9e, interpr\u00e9t\u00e9e au d\u00e9triment de l\u2019assur\u00e9, dans un dossier de sinistre industriel impliquant la SOBEBRA.<\/em><\/strong><\/p>\n\n\n\n

Tout part d\u2019un incendie survenu sur les groupes \u00e9lectrog\u00e8nes de la SOBEBRA, dont la maintenance \u00e9tait assur\u00e9e par NEEMBA B\u00e9nin. \u00c0 la suite du sinistre, l\u2019assureur de la brasserie, SANLAM, avait indemnis\u00e9 son client avant de se retourner contre NEEMBA et ses propres assureurs \u2014 NSIA B\u00e9nin SA et ALLIANZ IARD Indemnisation \u2014 pour recouvrer la somme d\u00e9bours\u00e9e.<\/p>\n\n\n\n

En d\u00e9cembre 2021, la Cour d\u2019appel de Cotonou avait condamn\u00e9 les trois parties solidairement \u00e0 payer 340,4 millions FCFA \u00e0 SANLAM. Mais dans l\u2019ex\u00e9cution de cette d\u00e9cision, un d\u00e9saccord s\u2019est install\u00e9 : la NSIA (100 millions FCFA) et Allianz (90,8 millions FCFA) n\u2019ont r\u00e9gl\u00e9 qu\u2019une partie de la somme, laissant \u00e0 NEEMBA le soin de solder le reliquat. Face \u00e0 ce qu\u2019elle qualifie d\u2019\u00ab ex\u00e9cution partielle et injustifi\u00e9e \u00bb, NEEMBA a saisi le Tribunal de commerce de Cotonou pour r\u00e9clamer le remboursement du solde vers\u00e9 \u00e0 SANLAM.<\/p>\n\n\n\n

Une clause contractuelle au c\u0153ur du litige<\/mark><\/h2>\n\n\n\n

Au c\u0153ur du diff\u00e9rend : la lecture d\u2019une clause du contrat d\u2019assurance intitul\u00e9e \u00ab Responsabilit\u00e9 civile apr\u00e8s livraison et\/ou apr\u00e8s travaux \u00bb. Cette disposition pr\u00e9voit une couverture pouvant atteindre 300 millions FCFA pour les dommages caus\u00e9s apr\u00e8s l\u2019ex\u00e9cution d\u2019une prestation \u2014 qu\u2019il s\u2019agisse d\u2019un vice cach\u00e9, d\u2019une n\u00e9gligence ou d\u2019une erreur technique.<\/p>\n\n\n\n

La NSIA, de son c\u00f4t\u00e9, s\u2019appuyait sur une autre clause relative \u00e0 la \u00ab responsabilit\u00e9 civile garagiste \u00bb, limitant la garantie \u00e0 100 millions FCFA. Le tribunal n\u2019a pas suivi cet argument. Dans un passage tr\u00e8s comment\u00e9 du jugement, la juridiction commerciale pr\u00e9sid\u00e9e par le juge T\u00e9d\u00e9 Pac\u00f4me Falana souligne que \u00ab la soci\u00e9t\u00e9 NSIA, en sa qualit\u00e9 de professionnelle, devait formuler clairement les termes de la police d\u2019assurance afin d\u2019\u00e9viter toute interpr\u00e9tation \u00e9quivoque \u00bb. Autrement dit, le flou contractuel ne saurait \u00eatre support\u00e9 par l\u2019assur\u00e9.<\/p>\n\n\n\n

Un verdict \u00e9quilibr\u00e9 mais significatif<\/mark><\/h2>\n\n\n\n

Tout en reconnaissant la validit\u00e9 de la clause de couverture \u00e0 300 millions FCFA, le tribunal a partiellement fait droit \u00e0 la demande de NEEMBA.
Sur les 200 millions FCFA r\u00e9clam\u00e9s, la NSIA B\u00e9nin SA est condamn\u00e9e \u00e0 rembourser 146 679 704 FCFA, somme correspondant au montant effectivement pay\u00e9 par NEEMBA \u00e0 SANLAM pour solder la dette commune. Le tribunal a, en revanche, rejet\u00e9 les autres pr\u00e9tentions de l\u2019entreprise \u2014 notamment les 100 millions FCFA de dommages-int\u00e9r\u00eats et la demande d\u2019ex\u00e9cution provisoire \u2014 faute de d\u00e9monstration d\u2019un pr\u00e9judice distinct ou d\u2019urgence manifeste. Quant \u00e0 Allianz IARD, bien qu\u2019assign\u00e9e, la soci\u00e9t\u00e9 n\u2019a pas comparu \u00e0 l\u2019audience ; son r\u00f4le, jug\u00e9 subsidiaire, n\u2019a pas \u00e9t\u00e9 retenu dans la d\u00e9cision.<\/p>\n\n\n\n

Cette d\u00e9cision, rendue en premier ressort, d\u00e9passe le seul cadre du diff\u00e9rend entre NEEMBA et la NSIA. Elle constitue, selon notre sp\u00e9cialiste \u00e0 la r\u00e9daction, \u00ab un rappel cinglant aux compagnies d\u2019assurance sur la rigueur r\u00e9dactionnelle de leurs contrats, notamment dans le domaine industriel o\u00f9 les montants en jeu sont \u00e9lev\u00e9s \u00bb. En r\u00e9affirmant la bonne foi contractuelle et en privil\u00e9giant l\u2019interpr\u00e9tation favorable \u00e0 l\u2019assur\u00e9, \u00ab le Tribunal de commerce de Cotonou s\u2019inscrit dans une dynamique jurisprudentielle qui renforce la protection des entreprises face \u00e0 leurs assureurs \u00bb, ajoute-t-il.<\/p>\n\n\n\n

Pour la NSIA B\u00e9nin, la le\u00e7on est lourde : 146 millions FCFA perdus pour une ambigu\u00eft\u00e9 de formulation. Pour le secteur, le message ne pr\u00eate \u00e0 aucune interpr\u00e9tation : dans un contrat d\u2019assurance, chaque mot a un prix.<\/p>\n","protected":false},"excerpt":{"rendered":"Justice, La Marina BJ \u2014 C\u2019est une d\u00e9cision qui risque de faire \u00e9cole dans le secteur de l\u2019assurance…\n","protected":false},"author":4,"featured_media":12367,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_theme","format":"standard","meta":{"csco_singular_sidebar":"","csco_page_header_type":"standard","csco_appearance_masonry":"","csco_page_load_nextpost":"","csco_post_video_location":[],"csco_post_video_location_hash":"","csco_post_video_url":"","csco_post_video_bg_start_time":0,"csco_post_video_bg_end_time":0,"footnotes":""},"categories":[110,191],"tags":[1656,548],"class_list":{"0":"post-12366","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-business","8":"category-en-savoir-plus-2","9":"tag-nsia-bank-benin","10":"tag-tribunal-de-commerce-de-cotonou","11":"cs-entry","12":"cs-video-wrap"},"yoast_head":"\nAssurances industrielles : quand une clause mal r\u00e9dig\u00e9e co\u00fbte 146 millions \u00e0 la NSIA B\u00e9nin - LA MARINA BJ<\/title>\n<meta name=\"description\" content=\"C\u2019est une d\u00e9cision qui risque de faire \u00e9cole dans le secteur de l\u2019assurance au B\u00e9nin. 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