{"id":143610,"date":"2026-07-17T14:36:27","date_gmt":"2026-07-17T13:36:27","guid":{"rendered":"https:\/\/news.ramtechglobal.com\/?p=143610"},"modified":"2026-10-08T09:34:52","modified_gmt":"2026-10-08T08:34:52","slug":"the-system-impairment-gap-the-blind-spot-underwriting-still-cannot-see","status":"publish","type":"post","link":"https:\/\/news.ramtechglobal.com\/fr\/the-system-impairment-gap-the-blind-spot-underwriting-still-cannot-see\/","title":{"rendered":"L'\u00e9cart des d\u00e9ficiences du syst\u00e8me : Le point aveugle que la souscription ne peut toujours pas voir"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div data-parent=\"true\" class=\"vc_row has-bg need-focus style-color-199620-bg row-container\" id=\"row-unique-0\"><div class=\"row-background background-element\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-inner\" style=\"background-image: url(https:\/\/news.ramtechglobal.com\/wp-content\/uploads\/marine_fire_002.webp);background-repeat: no-repeat;background-position: center center;background-attachment: scroll;background-size: cover;\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"block-bg-overlay style-color-jevc-bg\" style=\"opacity: 0.4;\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div><div class=\"row exa-top-padding exa-bottom-padding single-h-padding limit-width row-parent\" data-height-ratio=\"50\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-middle pos-left align_left column_parent col-lg-12 single-internal-gutter\"><div class=\"uncol style-spec style-dark animate_when_almost_visible alpha-anim\"  data-speed=\"600\"><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_row row-internal row-container\"><div class=\"row row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-12 half-internal-gutter\"><div class=\"uncol style-spec style-dark\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h6 class=\"h6 text-accent-color text-uppercase\" ><span>NOUVELLES<\/span><\/h6><\/div><div class=\"clear\"><\/div><\/div><div class=\"empty-space empty-double desktop-hidden\" ><span class=\"empty-space-inner\"><\/span><\/div>\n<div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h1 class=\"fontsize-150430 font-weight-700\" ><span>L'\u00e9cart de d\u00e9faillance du syst\u00e8me<\/span><\/h1><\/div><div class=\"clear\"><\/div><\/div><div class=\"empty-space empty-double desktop-hidden\" ><span class=\"empty-space-inner\"><\/span><\/div>\n<div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"fontsize-167381 font-weight-500\" ><span>Le point aveugle de la souscription ne peut toujours pas le voir<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-0\" data-row=\"script-row-unique-0\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-0\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row has-bg need-focus style-color-199620-bg row-container\" id=\"row-unique-1\"><div class=\"row limit-width row-parent\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter\"><div class=\"uncol style-spec style-dark\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h4 class=\"fontsize-778167 font-weight-400\" ><span><a href=\"\/fr\/\">Accueil<\/a> <span style=\"color: #e74011;\">|<\/span> <a href=\"\/fr\/news-updates\/\">Nouvelles et mises \u00e0 jour<\/a><\/span><\/h4><\/div><div class=\"clear\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-1\" data-row=\"script-row-unique-1\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-1\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row inverted-device-order row-container\" id=\"row-unique-2\"><div class=\"row col-double-gutter triple-top-padding no-bottom-padding single-h-padding limit-width row-parent\" data-height-ratio=\"full\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-9 half-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_row vc_custom_1701168877925 row-internal row-container\" style=\"padding-bottom: 50px ;\"><div class=\"row row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-12 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h3 class=\"fontsize-858154 fontheight-191058 font-weight-500\" ><span>Les assureurs maritimes continuent d'enregistrer des pertes importantes dues aux incendies de chantier naval, les incidents de maintenance, r\u00e9paration et exploitation (MRO) de forte gravit\u00e9 r\u00e9v\u00e9lant des faiblesses lorsque les syst\u00e8mes permanents de d\u00e9tection d'incendie des navires sont hors service. Aron Wadhia, responsable du d\u00e9veloppement commercial chez Ramtech, soutient que les pratiques de s\u00e9curit\u00e9 des chantiers navals et de souscription doivent mieux tenir compte de ces p\u00e9riodes d'exposition transitoires.<\/span><\/h3><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column\" ><p>Avec le feu et l'explosion repr\u00e9sentant <a href=\"https:\/\/www.maritimeindustries.org\/application\/files\/6817\/8349\/9420\/26_07_Allianz_commercial-safety-shipping-review-2026_.pdf\" target=\"_blank\" rel=\"noopener\">16%<\/a> Compte tenu de la part des pertes totales de navires au cours de la derni\u00e8re d\u00e9cennie et du fait que les incendies restent la deuxi\u00e8me cause principale de pertes totales de navires \u00e0 l&#x27;\u00e9chelle mondiale, les assureurs maritimes continuent de supporter des co\u00fbts importants. Au cours de la m\u00eame p\u00e9riode, 109 navires ont \u00e9t\u00e9 perdus \u00e0 la suite d\u2019un incendie, tandis que 250 incidents li\u00e9s \u00e0 des incendies ont \u00e9t\u00e9 enregistr\u00e9s pour la seule ann\u00e9e 2024 \u2013 soit une hausse de 20% par rapport \u00e0 l\u2019ann\u00e9e pr\u00e9c\u00e9dente et le total le plus \u00e9lev\u00e9 de la d\u00e9cennie. Malgr\u00e9 ces chiffres, les chantiers navals continuent d\u2019\u00eatre une source de risque sous-estim\u00e9e, alors m\u00eame que les taux de sinistralit\u00e9 dans le secteur de l\u2019assurance maritime restent \u00e9lev\u00e9s, entre 70 et 80%, ce qui laisse une marge limit\u00e9e pour les sinistres majeurs li\u00e9s aux incendies.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row vc_custom_1701168888924 row-internal row-container\" style=\"padding-top: 50px ;padding-bottom: 50px ;\"><div class=\"row row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-6 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"uncode_text_column\" ><p>Au c\u0153ur de ce probl\u00e8me se trouve un angle mort structurel qui persiste dans les environnements mondiaux de MRO (Maintenance, R\u00e9paration et Op\u00e9rations) maritimes et de nouvelles constructions : l'\u00e9cart d'immobilisation du syst\u00e8me. Il s'agit de la p\u00e9riode critique pendant laquelle les syst\u00e8mes permanents de d\u00e9tection et d'extinction d'incendie d'un navire sont hors service lors de la construction, de la r\u00e9paration ou de la maintenance, tandis que les travaux \u00e0 chaud \u00e0 haut risque se poursuivent. En pratique, cela cr\u00e9e une \u00e9l\u00e9vation temporaire mais extr\u00eame de l'exposition qui n'est pas syst\u00e9matiquement prise en compte par les mod\u00e8les de souscription ou la documentation de conformit\u00e9.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-6 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"uncode_text_column\" ><p>Des incidents r\u00e9cents dans des chantiers navals mondiaux soulignent la gravit\u00e9 de cette exposition. Par exemple, un incendie \u00e0 <a href=\"https:\/\/indianexpress.com\/article\/india\/2-dead-5-injured-after-explosion-at-private-shipyard-in-goa-10313266\/\" target=\"_blank\" rel=\"noopener\">Chantier naval Vijay Marine<\/a> En octobre 2025, \u00e0 Goa, la construction d'un navire a entra\u00een\u00e9 quatre d\u00e9c\u00e8s lorsque les syst\u00e8mes de protection incendie permanents n'\u00e9taient pas enti\u00e8rement op\u00e9rationnels. De plus, des incendies dans des chantiers navals lors d'op\u00e9rations de maintenance dans <a href=\"https:\/\/www.imarinenews.com\/28616.html\" target=\"_blank\" rel=\"noopener\">Le chantier naval ASL Marine de Batam<\/a> a entra\u00een\u00e9 13 morts et 18 bless\u00e9s, marquant le deuxi\u00e8me incendie majeur sur le site en cinq mois. Plus r\u00e9cemment, un incident chez May Ship Repair \u00e0 Staten Island en mai 2026 a n\u00e9cessit\u00e9 plus de 200 intervenants d'urgence, entra\u00eenant un d\u00e9c\u00e8s et plus de 30 bless\u00e9s, y compris des pompiers.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row vc_custom_1780663708195 row-internal row-container\" style=\"padding-top: 50px ;padding-bottom: 50px ;\"><div class=\"row col-double-gutter row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-6 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding    parallax-el\" data-rellax-percentage=\"0.5\" data-rellax-speed=\"2\"><div class=\"uncont\" ><div class=\"uncode-single-media  text-left\"><div class=\"single-wrapper\" style=\"max-width: 100%;\"><div class=\"tmb tmb-light  img-round img-round-xl tmb-media-first tmb-media-last tmb-content-overlay tmb-no-bg\"><div class=\"t-inside\"><div class=\"t-entry-visual\"><div class=\"t-entry-visual-tc\"><div class=\"uncode-single-media-wrapper img-round img-round-xl\"><img decoding=\"async\" class=\"wp-image-143625\" src=\"https:\/\/news.ramtechglobal.com\/wp-content\/uploads\/marine_fire_003.webp\" width=\"1800\" height=\"1200\" alt=\"Black smoke and orange flames rising from the deck of a large grey vessel under repair in a shipyard, with workers in hi-vis vests and a crane basket overhead\" srcset=\"https:\/\/news.ramtechglobal.com\/wp-content\/uploads\/marine_fire_003.webp 1800w, https:\/\/news.ramtechglobal.com\/wp-content\/uploads\/marine_fire_003-768x512.webp 768w, https:\/\/news.ramtechglobal.com\/wp-content\/uploads\/marine_fire_003-1536x1024.webp 1536w, https:\/\/news.ramtechglobal.com\/wp-content\/uploads\/marine_fire_003-18x12.webp 18w, https:\/\/news.ramtechglobal.com\/wp-content\/uploads\/marine_fire_003-350x233.webp 350w\" sizes=\"(max-width: 1800px) 100vw, 1800px\" \/><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-6 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h3 class=\"fontsize-858154 font-weight-600 text-accent-color\" ><span>La limitation du JH143 et la volatilit\u00e9 de la r\u00e9alit\u00e9 op\u00e9rationnelle<\/span><\/h3><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column\" ><p>JH143, un cadre d'\u00e9valuation normalis\u00e9 des risques pour les chantiers navals, utilis\u00e9 dans les industries maritime et de l'assurance, est apparu en r\u00e9ponse \u00e0 une activit\u00e9 de pertes importante dans les ann\u00e9es 2000 et reste aujourd'hui une r\u00e9f\u00e9rence cl\u00e9 pour l'ing\u00e9nierie des risques dans les chantiers navals.<\/p>\n<p>Il fournit une approche structur\u00e9e pour \u00e9valuer les mesures de protection incendie, les interventions d'urgence et les proc\u00e9dures op\u00e9rationnelles. Cependant, sa principale limite r\u00e9side dans sa nature statique. D'autre part, les environnements de chantier naval ne sont pas statiques.<\/p>\n<p>Dans les deux contextes de la construction neuve et de la maintenance pr\u00e9ventive et corrective, le risque varie en fonction de la phase, de l\u2019activit\u00e9 du contractant et de la disponibilit\u00e9 du syst\u00e8me. Les p\u00e9riodes les plus dangereuses sont souvent br\u00e8ves, transitoires et courantes dans le fonctionnement quotidien, notamment lors des travaux intensifs et des heures critiques qui les suivent.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row vc_custom_1780659343971 row-internal row-container\" style=\"padding-top: 50px ;padding-bottom: 50px ;\"><div class=\"row col-double-gutter row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-12 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"uncode_text_column\" ><p>Les preuves montrent de mani\u00e8re constante que les \u00e9v\u00e9nements les plus graves se produisent fr\u00e9quemment en dehors des travaux \u00e0 chaud actifs eux-m\u00eames, pendant la phase post-activit\u00e9 lorsque la d\u00e9pendance \u00e0 l'\u00e9gard de la surveillance des incendies est la plus \u00e9lev\u00e9e et que la fatigue du personnel de surveillance est la plus probable.<\/p>\n<p>C'est pr\u00e9cis\u00e9ment dans cette fen\u00eatre que des cadres traditionnels comme JH143 offrent une visibilit\u00e9 limit\u00e9e, m\u00eame si l'exposition est \u00e0 son maximum. L'implication est claire. Les audits ponctuels et les inspections p\u00e9riodiques ne peuvent pas repr\u00e9senter ad\u00e9quatement les fen\u00eatres d'atteinte volatiles. Pour les assureurs, cela cr\u00e9e un d\u00e9ficit d'information structurel au moment m\u00eame o\u00f9 le risque est le plus susceptible de se cristalliser en perte.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row style-color-lxmt-bg row-internal row-container\"><div class=\"row row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-12 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell double-block-padding    parallax-el\" data-rellax-percentage=\"0.5\" data-rellax-speed=\"1\"><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h3 class=\"fontsize-910587 font-weight-700\" ><span>Le risque n'est plus un \u00e9tat fig\u00e9 document\u00e9 lors de l'inspection, mais une condition dynamique qui \u00e9volue de minute en minute dans l'environnement du chantier naval.<\/span><\/h3><\/div><div class=\"clear\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row vc_custom_1780663708195 row-internal row-container\" style=\"padding-top: 50px ;padding-bottom: 50px ;\"><div class=\"row col-double-gutter row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-6 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h3 class=\"fontsize-858154 font-weight-600 text-accent-color\" ><span>Du sous-traitement passif au sous-traitement actif gr\u00e2ce \u00e0 une surveillance continue<\/span><\/h3><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column\" ><p>En cons\u00e9quence, un nombre croissant d'assureurs et d'expertiseurs commencent \u00e0 reconna\u00eetre que la solution n'est pas simplement une conformit\u00e9 proc\u00e9durale plus stricte, mais une meilleure visibilit\u00e9 pendant les p\u00e9riodes d'indisponibilit\u00e9. Cela suscite un int\u00e9r\u00eat pour les approches qui peuvent soutenir la supervision dans des environnements de chantier naval complexes, en particulier lorsque l'exposition change entre les phases du projet.<\/p>\n<p>Plut\u00f4t que de s'appuyer uniquement sur une infrastructure statique ou une surveillance humaine des incendies, ces mesures de contr\u00f4le, y compris les syst\u00e8mes temporaires de d\u00e9tection d'incendie, les syst\u00e8mes temporaires d'alarme incendie et les technologies d'alerte d'\u00e9vacuation ou de notification d'urgence, sont con\u00e7ues pour compl\u00e9ter les protections existantes en am\u00e9liorant la couverture face aux conditions changeantes du site.<\/p>\n<p>Ils peuvent \u00eatre d\u00e9ploy\u00e9s et repositionn\u00e9s en fonction des fronts de travail actifs et fonctionner ind\u00e9pendamment des syst\u00e8mes de protection incendie permanents d'un navire. Ce faisant, ils contribuent \u00e0 combler le manque de visibilit\u00e9 qui appara\u00eet lors de l'arr\u00eat et de la remise en service des syst\u00e8mes, lorsque l'exposition est g\u00e9n\u00e9ralement la plus \u00e9lev\u00e9e mais que la surveillance est la plus limit\u00e9e.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-6 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding    parallax-el\" data-rellax-percentage=\"0.5\" data-rellax-speed=\"2\"><div class=\"uncont\" ><div class=\"uncode-single-media  text-left\"><div class=\"single-wrapper\" style=\"max-width: 100%;\"><div class=\"tmb tmb-light  img-round img-round-xl tmb-media-first tmb-media-last tmb-content-overlay tmb-no-bg\"><div class=\"t-inside\"><div class=\"t-entry-visual\"><div class=\"t-entry-visual-tc\"><div class=\"uncode-single-media-wrapper img-round img-round-xl\"><img decoding=\"async\" class=\"wp-image-143623\" src=\"https:\/\/news.ramtechglobal.com\/wp-content\/uploads\/marine_fire_001.webp\" width=\"1800\" height=\"1200\" alt=\"Fire and black smoke billowing from the deck machinery of a white and teal vessel in a shipyard, with workers in hard hats watching from the dockside\" srcset=\"https:\/\/news.ramtechglobal.com\/wp-content\/uploads\/marine_fire_001.webp 1800w, https:\/\/news.ramtechglobal.com\/wp-content\/uploads\/marine_fire_001-768x512.webp 768w, https:\/\/news.ramtechglobal.com\/wp-content\/uploads\/marine_fire_001-1536x1024.webp 1536w, https:\/\/news.ramtechglobal.com\/wp-content\/uploads\/marine_fire_001-18x12.webp 18w, https:\/\/news.ramtechglobal.com\/wp-content\/uploads\/marine_fire_001-350x233.webp 350w\" sizes=\"(max-width: 1800px) 100vw, 1800px\" \/><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row vc_custom_1780659343971 row-internal row-container\" style=\"padding-top: 50px ;padding-bottom: 50px ;\"><div class=\"row col-double-gutter row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-12 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"uncode_text_column\" ><p>Dans un chantier naval, j\u2019ai observ\u00e9 des situations o\u00f9 des travaux chauds impliquant la soudure et le d\u00e9coupage m\u00e9tallique auraient \u00e9t\u00e9 effectu\u00e9s \u00e0 bord d\u2019un navire militaire sans le permis appropri\u00e9. Durant l\u2019op\u00e9ration, les ouvriers ont coup\u00e9 le pont, enflammant les mat\u00e9riaux du c\u00f4t\u00e9 oppos\u00e9 et d\u00e9clenchant un incendie. Un syst\u00e8me de d\u00e9tection temporaire a \u00e9t\u00e9 activ\u00e9 et a permis une intervention, emp\u00eachant une escalade et potentiellement des dommages importants \u00e0 la navette.<\/p>\n<p>D'un point de vue de la souscription, l'importance s'\u00e9tend au-del\u00e0 de la d\u00e9tection, \u00e0 la mani\u00e8re dont le risque est compris pendant les p\u00e9riodes d'indisponibilit\u00e9. La surveillance continue introduit le potentiel d'une meilleure visibilit\u00e9 pendant les phases de travail les plus expos\u00e9es. Au fil du temps, cela soutient des approches de souscription plus r\u00e9actives, o\u00f9 le risque est \u00e9valu\u00e9 non seulement au moment de la conclusion de la police, mais est pris en compte de mani\u00e8re plus coh\u00e9rente tout au long des cycles op\u00e9rationnels \u00e0 haut risque.<\/p>\n<p>Cela s'aligne \u00e9troitement sur la tendance que de nombreuses compagnies d'assurance adoptent d\u00e9j\u00e0 : les indicateurs comportementaux, les habitudes d'utilisation du syst\u00e8me et les donn\u00e9es op\u00e9rationnelles contribuent de plus en plus \u00e0 la s\u00e9lection et \u00e0 la tarification des risques. En raison de l'augmentation des donn\u00e9es de d\u00e9ploiement dans des environnements tels que les chantiers navals, des informations moins visibles auparavant peuvent \u00eatre transform\u00e9es en connaissances plus mesurables et exploitables.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row style-color-lxmt-bg row-internal row-container\"><div class=\"row row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-12 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell double-block-padding    parallax-el\" data-rellax-percentage=\"0.5\" data-rellax-speed=\"1\"><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h3 class=\"fontsize-858154 font-weight-600 text-accent-color\" ><span>Combler le foss\u00e9 entre la conformit\u00e9 et la r\u00e9alit\u00e9<\/span><\/h3><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column\" ><p>Le d\u00e9fi principal pour les assureurs maritimes n'est pas l'absence de r\u00e9glementation ou de directives. Il r\u00e9side dans l'inad\u00e9quation entre les cadres de conformit\u00e9 et la r\u00e9alit\u00e9 op\u00e9rationnelle lors de fen\u00eatres d'indisponibilit\u00e9 de courte dur\u00e9e et \u00e0 cons\u00e9quences \u00e9lev\u00e9es. Alors que l'activit\u00e9 de sinistres dans les environnements de maintenance, r\u00e9paration et exploitation (MRO) maritimes continue de susciter l'attention, l'industrie atteint un point o\u00f9 l'assurance statique n'est plus suffisante. Combler le foss\u00e9 des d\u00e9faillances du syst\u00e8me n\u00e9cessite un passage \u00e0.<\/p>\n<p>Pour les assureurs, cela repr\u00e9sente un changement de mentalit\u00e9 tout autant que des technologies nouvelles. Le risque n\u2019est plus un \u00e9tat fixe document\u00e9 lors d\u2019une inspection, mais une condition dynamique qui \u00e9volue minute \u00e0 minute dans le milieu des chantiers navals. Les syst\u00e8mes de d\u00e9tection de l\u2019incendie temporaire et d\u2019alerte d\u2019urgence peuvent jouer un r\u00f4le cl\u00e9 dans ce changement en fournissant un suivi et des alertes continus pendant les p\u00e9riodes d\u2019incidents, contribuant ainsi \u00e0 combler le foss\u00e9 entre les attentes en mati\u00e8re de conformit\u00e9 et la r\u00e9alit\u00e9 op\u00e9rationnelle.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-3 half-internal-gutter\"><div class=\"uncol style-light sticky-element sticky-sidebar\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_row vc_custom_1701173622940 row-internal row-container\" style=\"margin-bottom: 40px ;\"><div class=\"row row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-12 half-internal-gutter\"><div class=\"uncol style-spec style-dark\" ><div class=\"uncoltable\"><div class=\"uncell single-block-padding style-accent-bg  unradius-xl\" ><div class=\"uncont\" ><div class=\"vc_row row-internal row-container\"><div class=\"row unequal col-one-gutter double-top-padding double-bottom-padding no-h-padding row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter\"><div class=\"uncol style-spec style-dark\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h4 class=\"h4\" ><span>Recherche :<\/span><\/h4><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column\" ><p>Effectuer une recherche sur le site web pour trouver un contenu plus pertinent.<\/p>\n<\/div><div class=\"vc_wp_search wpb_content_element\"  data-id=\"1\"><div class=\"widget widget_search\"><form action=\"https:\/\/news.ramtechglobal.com\/fr\/\" method=\"get\" data-trp-original-action=\"https:\/\/news.ramtechglobal.com\/fr\/\">\n\t<div class=\"search-container-inner\">\n\t\t<label for=\"s_form_1\" aria-label=\"Recherche\"><input type=\"search\" class=\"search-field form-fluid no-livesearch\" placeholder=\"Rechercher. . .\" value=\"\" name=\"s\" id=\"s_form_1\">\n\t\t<i class=\"fa fa-search3\" role=\"button\" tabindex=\"0\" aria-labelledby=\"s_form_1\"><\/i><\/label>\n\n\t\t\t<\/div>\n<input type=\"hidden\" name=\"trp-form-language\" value=\"fr\"\/><\/form>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row vc_custom_1701173629905 row-internal row-container\" style=\"margin-top: 40px ;\"><div class=\"row row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-12 half-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell single-block-padding style-color-lxmt-bg  unradius-xl\" ><div class=\"uncont\" ><div class=\"vc_row row-internal row-container\"><div class=\"row unequal col-one-gutter row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h4 class=\"h4\" ><span>Partager :<\/span><\/h4><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column\" ><p><span style=\"color: #e74011;\">Ce contenu vous pla\u00eet-il ?<\/span> Pourquoi ne pas le partager sur votre r\u00e9seau social ou l'envoyer \u00e0 quelqu'un d'autre ?<\/p>\n<\/div><div class=\"uncode-wrapper uncode-share\" ><div class=\"share-button share-buttons share-inline share-bigger\" data-url=\"\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row vc_custom_1701173629905 row-internal row-container\" style=\"margin-top: 40px ;\"><div class=\"row row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-12 half-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell single-block-padding style-color-lxmt-bg  unradius-xl\" ><div class=\"uncont\" ><div class=\"vc_row row-internal row-container\"><div class=\"row unequal col-one-gutter double-top-padding double-bottom-padding no-h-padding row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h4 class=\"fontsize-101683\" ><span>Cat\u00e9gories :<\/span><\/h4><\/div><div class=\"clear\"><\/div><\/div><div class=\"vc_wp_tagcloud wpb_content_element\"  data-id=\"2\"><div class=\"widget widget_tag_cloud\"><div class=\"tagcloud\"><a href=\"https:\/\/news.ramtechglobal.com\/fr\/category\/industry-news\/\" class=\"tag-cloud-link tag-link-101 tag-link-position-1\" style=\"font-size: 22pt;\" aria-label=\"Actualit\u00e9s de l&#039;industrie (47 \u00e9l\u00e9ments)\">Nouvelles de l'industrie<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/category\/knowledge\/\" class=\"tag-cloud-link tag-link-372 tag-link-position-2\" style=\"font-size: 8pt;\" aria-label=\"Connaissance (1 \u00e9l\u00e9ment)\">Connaissances<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/category\/partner-news\/\" class=\"tag-cloud-link tag-link-151 tag-link-position-3\" style=\"font-size: 9.8260869565217pt;\" aria-label=\"Nouvelles des partenaires (2 \u00e9l\u00e9ments)\">Nouvelles des partenaires<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/category\/press-release\/\" class=\"tag-cloud-link tag-link-120 tag-link-position-4\" style=\"font-size: 11.04347826087pt;\" aria-label=\"Communiqu\u00e9 de presse (3 \u00e9l\u00e9ments)\">Communiqu\u00e9 de presse<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/category\/ramtech\/\" class=\"tag-cloud-link tag-link-97 tag-link-position-5\" style=\"font-size: 19.159420289855pt;\" aria-label=\"Ramtech (24 \u00e9l\u00e9ments)\">Ramtech<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/category\/ramtech-news\/\" class=\"tag-cloud-link tag-link-122 tag-link-position-6\" style=\"font-size: 20.782608695652pt;\" aria-label=\"Ramtech Actualit\u00e9s (35 \u00e9l\u00e9ments)\">Nouvelles de Ramtech<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/category\/ramtech\/react\/\" class=\"tag-cloud-link tag-link-99 tag-link-position-7\" style=\"font-size: 17.739130434783pt;\" aria-label=\"REACT (17 \u00e9l\u00e9ments)\">REACT<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/category\/uncategorised\/\" class=\"tag-cloud-link tag-link-1 tag-link-position-8\" style=\"font-size: 8pt;\" aria-label=\"Non cat\u00e9goris\u00e9 (1 \u00e9l\u00e9ment)\">Sans cat\u00e9gorie<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/category\/ramtech\/wes\/\" class=\"tag-cloud-link tag-link-98 tag-link-position-9\" style=\"font-size: 18.144927536232pt;\" aria-label=\"WES (19 \u00e9l\u00e9ments)\">WES<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/category\/white-paper\/\" class=\"tag-cloud-link tag-link-121 tag-link-position-10\" style=\"font-size: 9.8260869565217pt;\" aria-label=\"Livre blanc (2 \u00e9l\u00e9ments)\">Livre blanc<\/a><\/div>\n<\/div><\/div><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h4 class=\"fontsize-101683\" ><span>Tags :<\/span><\/h4><\/div><div class=\"clear\"><\/div><\/div><div class=\"vc_wp_tagcloud wpb_content_element\"  data-id=\"3\"><div class=\"widget widget_tag_cloud\"><div class=\"tagcloud\"><a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/awards\/\" class=\"tag-cloud-link tag-link-205 tag-link-position-1\" style=\"font-size: 8pt;\" aria-label=\"Prix (2 \u00e9l\u00e9ments)\">Prix<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/charity\/\" class=\"tag-cloud-link tag-link-177 tag-link-position-2\" style=\"font-size: 8pt;\" aria-label=\"Charit\u00e9 (2 \u00e9l\u00e9ments)\">Charit\u00e9<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/construction\/\" class=\"tag-cloud-link tag-link-129 tag-link-position-3\" style=\"font-size: 9.1586206896552pt;\" aria-label=\"Construction (3 \u00e9l\u00e9ments)\">La construction<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/construction-fire-safety\/\" class=\"tag-cloud-link tag-link-383 tag-link-position-4\" style=\"font-size: 10.124137931034pt;\" aria-label=\"S\u00e9curit\u00e9 incendie dans la construction (4 \u00e9l\u00e9ments)\">S\u00e9curit\u00e9 incendie sur les chantiers<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/construction-safety\/\" class=\"tag-cloud-link tag-link-438 tag-link-position-5\" style=\"font-size: 9.1586206896552pt;\" aria-label=\"S\u00e9curit\u00e9 de la construction (3 \u00e9l\u00e9ments)\">S\u00e9curit\u00e9 de la construction<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/construction-site-safety\/\" class=\"tag-cloud-link tag-link-395 tag-link-position-6\" style=\"font-size: 9.1586206896552pt;\" aria-label=\"S\u00e9curit\u00e9 sur le chantier\">S\u00e9curit\u00e9 sur les chantiers de construction<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/erp-regulations\/\" class=\"tag-cloud-link tag-link-437 tag-link-position-7\" style=\"font-size: 8pt;\" aria-label=\"R\u00e8glement sur les ERP (2 \u00e9l\u00e9ments)\">R\u00e9glementation ERP<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/fire-alarm-systems\/\" class=\"tag-cloud-link tag-link-311 tag-link-position-8\" style=\"font-size: 8pt;\" aria-label=\"Syst\u00e8mes d\u2019alarme incendie (2 \u00e9l\u00e9ments)\">Syst\u00e8mes d'alarme incendie<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/fire-detection\/\" class=\"tag-cloud-link tag-link-488 tag-link-position-9\" style=\"font-size: 8pt;\" aria-label=\"D\u00e9tection d&#039;incendie (2 \u00e9l\u00e9ments)\">D\u00e9tection d'incendie<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/fire-prevention\/\" class=\"tag-cloud-link tag-link-403 tag-link-position-10\" style=\"font-size: 8pt;\" aria-label=\"Pr\u00e9vention des incendies (2 \u00e9l\u00e9ments)\">Pr\u00e9vention des incendies<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/fire-protection\/\" class=\"tag-cloud-link tag-link-456 tag-link-position-11\" style=\"font-size: 9.1586206896552pt;\" aria-label=\"Protection contre les incendies (3 \u00e9l\u00e9ments)\">protection contre l'incendie<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/fire-risk-assessment\/\" class=\"tag-cloud-link tag-link-401 tag-link-position-12\" style=\"font-size: 9.1586206896552pt;\" aria-label=\"\u00c9valuation des risques de feu (3 \u00e9l\u00e9ments)\">\u00c9valuation des risques d'incendie<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/fire-safety\/\" class=\"tag-cloud-link tag-link-285 tag-link-position-13\" style=\"font-size: 22pt;\" aria-label=\"S\u00e9curit\u00e9 contre les incendies (85 \u00e9l\u00e9ments)\">S\u00e9curit\u00e9 incendie<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/fire-watch\/\" class=\"tag-cloud-link tag-link-385 tag-link-position-14\" style=\"font-size: 10.896551724138pt;\" aria-label=\"Patrouille de s\u00e9curit\u00e9 incendie (5 \u00e9l\u00e9ments)\">Surveillance incendie<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/holiday-parks\/\" class=\"tag-cloud-link tag-link-289 tag-link-position-15\" style=\"font-size: 12.537931034483pt;\" aria-label=\"Parcs de vacances (8 \u00e9l\u00e9ments)\">Parcs de vacances<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/hot-works\/\" class=\"tag-cloud-link tag-link-213 tag-link-position-16\" style=\"font-size: 8pt;\" aria-label=\"travaux par point chaud (2 \u00e9l\u00e9ments)\">travaux par points chauds<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/jh143\/\" class=\"tag-cloud-link tag-link-480 tag-link-position-17\" style=\"font-size: 8pt;\" aria-label=\"JH143 (2 \u00e9l\u00e9ments)\">JH143<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/lone-working\/\" class=\"tag-cloud-link tag-link-345 tag-link-position-18\" style=\"font-size: 8pt;\" aria-label=\"Travail en solitaire (2 \u00e9l\u00e9ments)\">Travail isol\u00e9<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/marine-fire-safety\/\" class=\"tag-cloud-link tag-link-388 tag-link-position-19\" style=\"font-size: 9.1586206896552pt;\" aria-label=\"S\u00e9curit\u00e9 contre les incendies en milieu marin (3 \u00e9l\u00e9ments)\">S\u00e9curit\u00e9 incendie maritime<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/marine-industry\/\" class=\"tag-cloud-link tag-link-377 tag-link-position-20\" style=\"font-size: 8pt;\" aria-label=\"industrie maritime, secteur maritime\">industrie maritime<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/nfpa-241\/\" class=\"tag-cloud-link tag-link-444 tag-link-position-21\" style=\"font-size: 9.1586206896552pt;\" aria-label=\"NFPA 241 (3 \u00e9l\u00e9ments)\">NFPA 241<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/patient-safety\/\" class=\"tag-cloud-link tag-link-440 tag-link-position-22\" style=\"font-size: 8pt;\" aria-label=\"S\u00e9curit\u00e9 des patients (2 \u00e9l\u00e9ments)\">S\u00e9curit\u00e9 des patients<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/ramtech\/\" class=\"tag-cloud-link tag-link-281 tag-link-position-23\" style=\"font-size: 15.531034482759pt;\" aria-label=\"Ramtech (17 \u00e9l\u00e9ments)\">Ramtech<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/react\/\" class=\"tag-cloud-link tag-link-183 tag-link-position-24\" style=\"font-size: 14.08275862069pt;\" aria-label=\"REACT (12 \u00e9l\u00e9ments)\">REACT<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/refurbishment\/\" class=\"tag-cloud-link tag-link-126 tag-link-position-25\" style=\"font-size: 9.1586206896552pt;\" aria-label=\"R\u00e9novation (3 \u00e9l\u00e9ments)\">R\u00e9novation<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/renovation\/\" class=\"tag-cloud-link tag-link-127 tag-link-position-26\" style=\"font-size: 8pt;\" aria-label=\"R\u00e9novation (2 \u00e9l\u00e9ments)\">R\u00e9novation<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/saudi-arabia\/\" class=\"tag-cloud-link tag-link-335 tag-link-position-27\" style=\"font-size: 8pt;\" aria-label=\"Arabie saoudite (2 \u00e9l\u00e9ments)\">Arabie Saoudite<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/scaffolding\/\" class=\"tag-cloud-link tag-link-340 tag-link-position-28\" style=\"font-size: 8pt;\" aria-label=\"\u00e9chafaudage (2 \u00e9l\u00e9ments)\">\u00e9chafaudage<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/shipbuilding\/\" class=\"tag-cloud-link tag-link-125 tag-link-position-29\" style=\"font-size: 9.1586206896552pt;\" aria-label=\"Chantiers navals (3 \u00e9l\u00e9ments)\">Construction navale<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/ship-repair\/\" class=\"tag-cloud-link tag-link-466 tag-link-position-30\" style=\"font-size: 9.1586206896552pt;\" aria-label=\"R\u00e9paration de navires (3 \u00e9l\u00e9ments)\">r\u00e9paration navale<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/shipyard-fire\/\" class=\"tag-cloud-link tag-link-373 tag-link-position-31\" style=\"font-size: 8pt;\" aria-label=\"incendie de chantier naval\">incendie de chantier naval<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/shipyard-fire-safety\/\" class=\"tag-cloud-link tag-link-496 tag-link-position-32\" style=\"font-size: 8pt;\" aria-label=\"S\u00e9curit\u00e9 incendie dans les chantiers navals (2 \u00e9l\u00e9ments)\">s\u00e9curit\u00e9 incendie dans les chantiers navals<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/site-safety\/\" class=\"tag-cloud-link tag-link-493 tag-link-position-33\" style=\"font-size: 8pt;\" aria-label=\"S\u00e9curit\u00e9 du site (2 \u00e9l\u00e9ments)\">S\u00e9curit\u00e9 du site<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/sustainable-energy\/\" class=\"tag-cloud-link tag-link-327 tag-link-position-34\" style=\"font-size: 8pt;\" aria-label=\"\u00c9nergie durable (2 \u00e9l\u00e9ments)\">\u00c9nergie durable<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/temporary-fire-alarm\/\" class=\"tag-cloud-link tag-link-489 tag-link-position-35\" style=\"font-size: 8pt;\" aria-label=\"Alarme incendie temporaire (2 \u00e9l\u00e9ments)\">Alarme incendie temporaire<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/temporary-fire-alarm-systems\/\" class=\"tag-cloud-link tag-link-305 tag-link-position-36\" style=\"font-size: 8pt;\" aria-label=\"Syst\u00e8mes d&#039;alarme incendie temporaires (2 \u00e9l\u00e9ments)\">Syst\u00e8mes d'alarme incendie temporaires<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/temporary-fire-detection\/\" class=\"tag-cloud-link tag-link-435 tag-link-position-37\" style=\"font-size: 10.896551724138pt;\" aria-label=\"D\u00e9tection temporaire d&#039;incendie (5 \u00e9l\u00e9ments)\">D\u00e9tection incendie temporaire<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/temporary-fire-protection\/\" class=\"tag-cloud-link tag-link-469 tag-link-position-38\" style=\"font-size: 8pt;\" aria-label=\"Protection temporaire contre les incendies (2 \u00e9l\u00e9ments)\">Protection temporaire contre les incendies<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/water-damage\/\" class=\"tag-cloud-link tag-link-316 tag-link-position-39\" style=\"font-size: 8pt;\" aria-label=\"D\u00e9g\u00e2ts des eaux (2 \u00e9l\u00e9ments)\">D\u00e9g\u00e2ts des eaux<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/wes\/\" class=\"tag-cloud-link tag-link-296 tag-link-position-40\" style=\"font-size: 13.793103448276pt;\" aria-label=\"WES (11 \u00e9l\u00e9ments)\">WES<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/wes3\/\" class=\"tag-cloud-link tag-link-154 tag-link-position-41\" style=\"font-size: 11.572413793103pt;\" aria-label=\"WES3 (6 \u00e9l\u00e9ments)\">WES3<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/wireless-fire-alarm\/\" class=\"tag-cloud-link tag-link-141 tag-link-position-42\" style=\"font-size: 11.572413793103pt;\" aria-label=\"Alarme incendie sans fil (6 \u00e9l\u00e9ments)\">Alarme incendie sans fil<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/wireless-fire-alarms\/\" class=\"tag-cloud-link tag-link-436 tag-link-position-43\" style=\"font-size: 9.1586206896552pt;\" aria-label=\"Alarmes incendie sans fil (3 \u00e9l\u00e9ments)\">Alarmes incendie sans fil<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/wireless-fire-detection\/\" class=\"tag-cloud-link tag-link-462 tag-link-position-44\" style=\"font-size: 10.124137931034pt;\" aria-label=\"D\u00e9tection de feu sans fil (4 \u00e9l\u00e9ments)\">d\u00e9tection d'incendie sans fil<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/fr\/tag\/wireless-technology\/\" class=\"tag-cloud-link tag-link-282 tag-link-position-45\" style=\"font-size: 21.324137931034pt;\" aria-label=\"Technologie sans fil (72 \u00e9l\u00e9ments)\">Technologie sans fil<\/a><\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-2\" data-row=\"script-row-unique-2\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-2\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row row-container\" id=\"row-unique-3\"><div class=\"row limit-width row-parent\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-3\" data-row=\"script-row-unique-3\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-3\"));<\/script><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Aron Wadhia de Ramtech examine le foss\u00e9 des d\u00e9ficiences de syst\u00e8mes : la p\u00e9riode \u00e0 haut risque pendant laquelle les syst\u00e8mes permanents de d\u00e9tection et d'extinction d'incendie d'un navire sont hors service lors de la construction, de la r\u00e9paration ou de la maintenance. L'incendie restant l'une des principales causes de perte totale de navires, il soutient que les cadres statiques tels que le JH143 ne peuvent pas capturer ces expositions transitoires, et qu'une surveillance continue gr\u00e2ce \u00e0 des syst\u00e8mes temporaires de d\u00e9tection d'incendie et de notification d'urgence est essentielle pour combler l'\u00e9cart entre la conformit\u00e9 et la r\u00e9alit\u00e9 op\u00e9rationnelle pour les assureurs maritimes.<\/p>","protected":false},"author":2,"featured_media":143624,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[101],"tags":[500,501,385,213,480,495,497,498,281,496,502,494,435,499],"class_list":["post-143610","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-industry-news","tag-emergency-notification-systems","tag-fire-risk-management","tag-fire-watch","tag-hot-works","tag-jh143","tag-marine-insurance","tag-marine-underwriting","tag-mro","tag-ramtech","tag-shipyard-fire-safety","tag-shipyard-risk-assessment","tag-system-impairment-gap","tag-temporary-fire-detection","tag-vessel-fire-loss"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.7 (Yoast SEO v28.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>The System Impairment Gap: Underwriting&#039;s Fire Blind Spot<\/title>\n<meta name=\"description\" content=\"Shipyard fires expose a marine underwriting blind spot: the impairment gap when vessels&#039; fire detection systems are offline during hot works.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/news.ramtechglobal.com\/fr\/the-system-impairment-gap-the-blind-spot-underwriting-still-cannot-see\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Shipyard Fire Risk Underwriting Still Can&#039;t See\" \/>\n<meta property=\"og:description\" content=\"Fire remains the second largest cause of total vessel loss. Aron Wadhia of Ramtech on the impairment gap exposing marine insurers to claims.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/news.ramtechglobal.com\/fr\/the-system-impairment-gap-the-blind-spot-underwriting-still-cannot-see\/\" \/>\n<meta property=\"og:site_name\" content=\"Ramtech Global News\" \/>\n<meta property=\"article:published_time\" content=\"2026-07-17T13:36:27+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-08T08:34:52+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/news.ramtechglobal.com\/wp-content\/uploads\/marine_fire_002.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1800\" \/>\n\t<meta property=\"og:image:height\" content=\"1200\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Anthony Phillips\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"The Shipyard Fire Risk Underwriting Still Can&#039;t See\" \/>\n<meta name=\"twitter:description\" content=\"Fire remains the second largest cause of total vessel loss. 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