Business insurance

Commercial insurance covers more than you think

Running your own business? Great! But don't be surprised if you don't have the right coverage to keep you afloat in case of the unexpected. Even the smallest home-based business can benefit from commercial insurance range.

Our team has carried out advanced market research...

Customer success is our priority

What sets Assur360 apart from its competitors is the personalized treatment it offers each customer. We take into account not only the size of the structure or its workforce, but above all its exact needs, in order to offer tailor-made solutions adapted to its expectations and the socio-economic situation. Assur360 is there to protect its customers from all risks associated with their business, enabling them to concentrate more on developing their business with complete peace of mind. Assur360 entreprise's advisors and experts help entrepreneurs choose the most suitable insurance for their business. tailored to your business and its business.

Liability coverage

Visit manager's liability is always involved, particularly in the event of an incident. Such a risk can arise at any time in the life of a company, and it is important to protect oneself adequately against any damage, particularly physical or material, that may be caused to others. Fortunately, Assur360 is there to cover this type of risk, as well as damages linked to defamation, medical expenses and even rental liability.

Insurance for construction and site contractors

Companies operating in the construction are subject to numerous incidents that engage their liability towards their employees, suppliers, customers and other third parties. With their specific needs in mind, Assur360 has designed a customized insurance package to cover them throughout their projects. This type of insurance provides coverage for civil liability, damage to equipment and materials, construction sites, and the various losses that can occur on a construction site, among others. Whether you're in Thetford Mines, Montreal, Gatineau or the Saguenay, we cover all regions of Quebec for your business insurance.

Protection for damage in Quebec

Every business is exposed to a variety of risks and damages, and it's important to guard against the unexpected by choosing the right protection for your fleet, equipment, buildings and more. Assur360 offers customized insurance that can be tailored to every company and every sector. An opportunity for companies to pursue their development strategy with peace of mind and confidence.

It goes without saying that policyholders should make the most of their chances by following the advice and recommendations below:

• Any change of activity must be reported to the insurer to avoid denial of cover.
• Buildings and their occupancy must be detailed to the insurer
• The communication to the insurer or broker of the insured's location in order to prevent the invalidity of the coverage, whether the property is owned or rented.
• Regular updating of the inventory of goods and possessions, as well as any leasehold improvements.
• Property valuation by certified experts and annual valuation updates
• Verification of the actual value of the goods, which must be higher than the insurance limit, or risk being penalized in the event of a claim.
• Read and understand exclusions and, if necessary, discuss them with the insurer to avoid any potential risk.
• Communication of all details relating to a claim, including formal demands, notices and summonses.
• Communication of all circumstances aggravating the risks covered by the insurance contract
• Verification that the names used to conduct business are listed on the various insurance policies.
• Compliance with the insurer's recommendations
• Discussion with the insurer prior to any interruption in service of the various prevention systems.
• Regular review of the limits stipulated in the business insurance contract, including the limit for third-party liability, which may be increased to reach the threshold of 5,000,000$.
• Requesting proof of insurance from subcontractors. A preventive measure not to be neglected, to avoid being penalized when it comes to compensation or indemnification.

Insurance for small and medium-sized businesses in Quebec

Visit SMEs in QuebecThis type of insurance covers apartment blocks with fewer than six dwellings, retail outlets, associations and various non-profit organizations. This type of insurance covers apartment blocks with fewer than six dwellings, retail stores, associations and various non-profit organizations, landed property and manufacturing workshops.

Today, business owners and managers can protect their assets with business insurance tailored to their needs, thanks in particular to Assur360. Assur360 has a wealth of experience and expertise in commercial insurance.

The guarantees offered cover vehicle fleets garage servicesand transporters, among others. As well as insuring the property of merchants and retailers, restaurants and contractors, manufacturers, distributors, industries and real estate professionals, among others. Whether you're in Montreal, Trois-Rivières, Laval, the Beauce or even the Gaspé, we can help.

The firm also insures its clients' civil liability, general liability, professional liability, Umberella and directors' and officers' liability.

Who can benefit from business insurance?

This type of coverage insures the assets of companies, owners, non-profit organizations and the self-employed. It's an opportunity to guarantee the assets of these professionals, thanks to the assistance of a broker who can advise each structure according to its needs.

It's therefore important to establish a relationship based on trust and respect, which in turn helps to build a relationship of trust. customized insurance strategy. In the event of a claim, the company benefits from comprehensive coverage to cover the risks threatening its activity and smooth operation. The structure thus benefits from personalized support from its insurance advisor, to secure its assets, preserve its liquidity and, of course, guarantee its growth and development.

Such a commitment on the part of insurance company helps reassure companies and professionals, and gives them greater credibility and reliability with their customers, consolidating their position in the market and in the face of competition.

What you need to know about business insurance...

Business insurance is key to the success of any organization, regardless of its size, activity, sales or number of employees.

Peace of mind is often linked to the presence of appropriate insurance to protect the structure's various operations, assets and activities. Regardless of the sector of activity, there are guarantees to protect against risks arising in every field, such as retail, constructionproduction, etc. Assur360 offers innovative solutions that are available to both professional and private clients. contractors who need non-standard insurance products.

Preventing risks

Each company or activity may be exposed to risks or claims And that's where insurance experts come in, to assess the various types of damage likely to occur, and suggest preventive tools to minimize or even avoid potential risks.

Business bond insurance cases

It is common for companies to have bonding requirements guaranteeing their various services, which is why Assurance Assur360. offers them various bonds such as contract bonds, surety bonds and surety bonds. directors' bondsBonds on loss of documents, etc... A surety bond is not an insurance policy, but rather a guarantee.

In the event of a loss at your company

In the event of a claim, the insurance broker is there to support his policyholder and help him get back into business quickly and efficiently.

Your insurance broker for business claims coverage

Before starting a business, it's a good idea to consider appointment with an insurance broker to discuss the various types of coverage needed to protect your business effectively. Although our head office is in Thetford Mines for your protection company we insure throughout Quebec. An Assur360 advisor studies the customer's file and proposes solutions adapted to his or her needs and expectations.

What does business insurance cover?

Why do I need business insurance?

Business insurance, also known as commercial insurance, provides crucial protection for any business. small business. If there's an accident in your business, you could face a lawsuit. The high cost of litigation, medical bills and property damage claims is the main reason why businesses need insurance.

The risks you face determine the policies you need. The policy most businesses buy is general liability, which protects against customer injuries and other common accidents. You may need additional policies if you have employees, own a building, own a commercial vehicle, or provide expert advice.

Find out why a company might need liability insurance.

How much does business insurance cost?

The cost of business insurance can vary considerably depending on a number of factors. Here are some of the factors that can influence the price of business insurance:

Type of activity : The sector in which your company operates can have an impact on the cost of insurance. Some sectors are considered riskier than others, which can lead to higher insurance premiums.

Company size : The size of your business, measured by sales, number of employees and other factors, can affect the cost of insurance.

Geographical location: The location of your business can play a role. Some locations are more exposed to certain risks (such as natural disasters), which can influence the cost of insurance.

Claims history : If your company has a history of claims, this can lead to a rising insurance costs. Insurers often consider past risk when assessing future risk.

Type of cover : Different forms of coverage, including public liability, property insurance, employee insurance, etc., will have different costs.

Coverage level : The coverage limit you choose (i.e. the maximum amount the insurance will pay in the event of a claim) can also influence the cost.

Industry-specific policies : Some sectors may require specific policies. For example, a construction company may need construction-specific liability insurance.

For an accurate estimate, we recommend that you contact insurance brokers or specific insurance companies, as they can assess your company's specific needs and provide customized quotes.
Find out why a company might need liability insurance.