{"id":13034,"date":"2026-07-21T12:14:00","date_gmt":"2026-07-21T12:14:00","guid":{"rendered":"https:\/\/www.trisura.com\/news\/from-three-cs-to-five-how-surety-underwriting-is-evolving\/"},"modified":"2026-07-21T12:28:47","modified_gmt":"2026-07-21T12:28:47","slug":"from-three-cs-to-five-how-surety-underwriting-is-evolving","status":"publish","type":"news","link":"https:\/\/www.trisura.com\/fr\/news\/from-three-cs-to-five-how-surety-underwriting-is-evolving\/","title":{"rendered":"Des trois C aux cinq: l&rsquo;\u00e9volution de la souscription en cautionnement"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"13034\" class=\"elementor elementor-13034 elementor-13026\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-20421a2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"20421a2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2bad709\" data-id=\"2bad709\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2697a91 elementor-widget elementor-widget-News Post Widget\" data-id=\"2697a91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"News Post Widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div class=\"news-banner\">\r\n            <div class=\"container-custom\">\r\n                    <div class=\"row\">\r\n                        <div class=\"col-12\">\r\n                            <h2>Des trois C aux cinq: l'\u00e9volution de la souscription en cautionnement<\/h2>\r\n                            <div class=\"abt-content\">\r\n                                <p><\/p>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n\r\n                    <div class=\"row\">\r\n                        <div class=\"col-12\">\r\n                            <div class=\"news-details\">\r\n                                                                <div class=\"news-img-card\">\r\n                                        <picture>\r\n                                            <source media=\"(min-width: 1200px)\" srcset=\"https:\/\/www.trisura.com\/wp-content\/uploads\/2026\/07\/Thorpe-article-banner.jpg\"\r\n                                                    class=\"contact-banner-img\" \/>\r\n\r\n                                            <source media=\"(min-width: 768px)\" srcset=\"https:\/\/www.trisura.com\/wp-content\/uploads\/2026\/07\/Thorpe-article-banner.jpg\"\r\n                                                    class=\"contact-banner-img\" \/>\r\n\r\n                                            <source media=\"(max-width: 767px)\" srcset=\"https:\/\/www.trisura.com\/wp-content\/uploads\/2026\/07\/Thorpe-article-banner.jpg\"\r\n                                                    class=\"contact-banner-img\" \/>\r\n\r\n                                            <img decoding=\"async\" src=\"https:\/\/www.trisura.com\/wp-content\/uploads\/2026\/07\/Thorpe-article-banner.jpg\" class=\"img-fluid contact-banner-img w-100\"\r\n                                                        alt=\"\" \/>\r\n\r\n                                        <\/picture>\r\n\r\n                                <\/div>\r\n                                                            <\/div>\r\n\r\n                            <div class=\"img-content d-flex align-items-center \">\r\n                                <p class=\"date\">Jul 21, 2026<\/p>\r\n                                                                    <p class=\"by\">By John Thorpe, vice-pr\u00e9sident r\u00e9gional, R\u00e9gion des Prairies<\/p>\r\n                                                            <\/div>\r\n\r\n                            <hr class=\"light-gray-border\">\r\n\r\n                            <div class=\"combile-p first-para\">\r\n                                                                    <p class=\"info\">\r\n                                        Du point de vue d'un souscripteur de l'Ouest canadien, le march\u00e9 actuel de la construction est fa\u00e7onn\u00e9 par une forte hausse des investissements f\u00e9d\u00e9raux dans les infrastructures, entra\u00eenant une augmentation de la taille et de la complexit\u00e9 des projets. Nous avons observ\u00e9 des avanc\u00e9es importantes dans les secteurs du transport \u00e0 grande \u00e9chelle, de la transition \u00e9nerg\u00e9tique, des min\u00e9raux critiques et des initiatives li\u00e9es \u00e0 la d\u00e9fense. Bon nombre de ces projets exercent une pression croissante sur la capacit\u00e9 op\u00e9rationnelle historique des entrepreneurs. La contrainte que nous observons ne r\u00e9side pas dans un manque de carnet de commandes ou d'occasions d'affaires, mais plut\u00f4t dans des bilans financiers qui n'\u00e9voluent pas au m\u00eame rythme que la croissance des projets. La tol\u00e9rance au risque en mati\u00e8re de souscription est donc mise \u00e0 l'\u00e9preuve.                                    <\/p>\r\n                                                                    <p class=\"info\">\r\n                                        Parall\u00e8lement, le transfert des risques par les donneurs d'ouvrage et les entrepreneurs g\u00e9n\u00e9raux s'intensifie. Une tendance persistante est l'\u00e9mergence continue de contrats et de formulaires de cautionnement de plus en plus contraignants. Les contrats comportent des obligations d'indemnisation plus \u00e9tendues, ainsi que des dommages-int\u00e9r\u00eats non plafonn\u00e9s, tant pour les retards que pour les dommages indirects difficiles \u00e0 d\u00e9montrer. De plus en plus, les formulaires de cautionnement standards reconnus par l'industrie sont remplac\u00e9s par des versions modifi\u00e9es qui limitent les recours des cautions, restreignent leurs droits de subrogation et imposent des p\u00e9nalit\u00e9s de cautionnement plus \u00e9lev\u00e9es. Cette \u00e9volution entra\u00eene un examen plus rigoureux des contrats et une augmentation de la gravit\u00e9 potentielle des sinistres pour l'industrie du cautionnement.                                    <\/p>\r\n                                                                    <p class=\"info\">\r\n                                        Bien que le financement f\u00e9d\u00e9ral constitue une bonne nouvelle, il ne suffit pas \u00e0 lui seul pour garantir l'atteinte des ambitions de croissance du Canada. L'investissement priv\u00e9 demeure essentiel pour de nombreux entrepreneurs qui comptent sur cette source afin de maintenir un carnet de commandes bien rempli. Lorsqu'ils ne disposent pas de suffisamment de projets priv\u00e9s, les entrepreneurs sont forc\u00e9s de se tourner vers le march\u00e9 public soumis \u00e0 des appels d'offres concurrentiels, un environnement parfois moins familier o\u00f9 l'adaptation des marges, la gestion de nouveaux sous-traitants et l'application de modalit\u00e9s contractuelles diff\u00e9rentes peuvent repr\u00e9senter des d\u00e9fis importants. \u00c0 l'inverse, une concurrence accrue dans les projets publics profite aux contribuables, pourvu que des normes de souscription rigoureuses soient maintenues!                                    <\/p>\r\n                                                                    <p class=\"info\">\r\n                                        Le r\u00e9sultat est clair: une souscription disciplin\u00e9e est plus importante que jamais. Les \u00ab trois C \u00bb du cautionnement ont \u00e9volu\u00e9 pour devenir les \u00ab cinq C \u00bb, ajoutant d\u00e9sormais le Contrat et les Conditions aux trois piliers traditionnels. Ces deux nouveaux \u00e9l\u00e9ments sont aujourd'hui tout aussi importants que les fondements historiques de l'\u00e9valuation du risque. La solidit\u00e9 du bilan ne suffit plus \u00e0 elle seule \u00e0 assurer le succ\u00e8s d'un contrat. Nous constatons de plus en plus que l'ex\u00e9cution op\u00e9rationnelle et la gestion des risques contractuels sont des facteurs d\u00e9terminants pour soutenir la croissance des programmes de cautionnement de nos entrepreneurs.                                    <\/p>\r\n                                                                    <p class=\"info\">\r\n                                        Cet environnement en pleine \u00e9volution correspond exactement au type de march\u00e9 pour lequel Trisura a \u00e9t\u00e9 con\u00e7ue. En tant que sp\u00e9cialistes du cautionnement, nous collaborons \u00e9troitement avec nos courtiers et nos entrepreneurs afin d'apporter une valeur ajout\u00e9e dans des domaines tels que l'att\u00e9nuation des risques contractuels, l'identification de clauses de cautionnement excessivement contraignantes et la mise en place de programmes adapt\u00e9s \u00e0 la croissance des entreprises. Pour nos partenaires courtiers, nous sommes une entreprise pr\u00eate \u00e0 s'investir dans les dossiers complexes, \u00e0 proposer des solutions concr\u00e8tes et \u00e0 aider leurs clients \u00e0 entreprendre des projets plus ambitieux et de plus grande envergure avec confiance.                                    <\/p>\r\n                                                            \r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n            <\/div>\r\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"featured_media":0,"template":"","meta":{"footnotes":""},"class_list":["post-13034","news","type-news","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Des trois C aux cinq: l&#039;\u00e9volution de la souscription en cautionnement - Trisura<\/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.trisura.com\/fr\/news\/from-three-cs-to-five-how-surety-underwriting-is-evolving\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Des trois C aux cinq: l&#039;\u00e9volution de la souscription en cautionnement - Trisura\" \/>\n<meta property=\"og:description\" content=\"Des trois C aux cinq: l&rsquo;\u00e9volution de la souscription en cautionnement Jul 21, 2026 By John Thorpe, vice-pr\u00e9sident r\u00e9gional, R\u00e9gion des Prairies Du point de vue d&rsquo;un souscripteur de l&rsquo;Ouest canadien, le march\u00e9 actuel de la construction est fa\u00e7onn\u00e9 par une forte hausse des investissements f\u00e9d\u00e9raux dans les infrastructures, entra\u00eenant une augmentation de la taille &hellip; Continued\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.trisura.com\/fr\/news\/from-three-cs-to-five-how-surety-underwriting-is-evolving\/\" \/>\n<meta property=\"og:site_name\" content=\"Trisura\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-21T12:28:47+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.trisura.com\/wp-content\/uploads\/2026\/07\/Thorpe-article-banner.jpg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@trisura\" \/>\n<meta name=\"twitter:label1\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.trisura.com\\\/fr\\\/news\\\/from-three-cs-to-five-how-surety-underwriting-is-evolving\\\/\",\"url\":\"https:\\\/\\\/www.trisura.com\\\/fr\\\/news\\\/from-three-cs-to-five-how-surety-underwriting-is-evolving\\\/\",\"name\":\"Des trois C aux cinq: l'\u00e9volution de la souscription en cautionnement - 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