FAST
SPECIALISTS
Out of the ordinary, insurance
The more an activity is out of the norm, the more difficult it becomes for it to take out a business insurance policy covering the various risks that may arise. And insurers almost systematically refuse to insure these innovative or problematic companies.
Commercial insurance with special or aggravated risks
Fortunately, this is not the case for all firms, because at Assur360, it is always possible to take out a tailor-made insurance policy and benefit from an ideal degree of coverage. An analysis of the file is drawn up to define the risks associated with the activity and the type of claims to be insured. The goal is to protect the insured and to offer them coverage and premiums that adapt to their needs.
It is possible to contact Assur360 for a free and non-binding quote request . This is an opportunity to have more details on the guarantees offered against special risks in Quebec and to contract them at the best rates.
Example of non-standard products:
- Vacant building
- Bar
- Restaurant
- Alternative Resources
- Disaster Contractors
- Contractors & Construction Sites
- High-Value Residences
- Non-Standard Residential
- Rental properties
- Industrial risk delegations
- Welders
- Professional Liability Medical Malpractice
- Directors & Officers Liability
- Miscellaneous Professional Responsibility
- Professional Liability Architects and Engineers
- Responsibility for special events
Cyber Risks
Have you thought about insuring your business for cyber risks, cybersecurity has become a priority for businesses in Quebec. The risks are getting higher and higher and your data is very valuable, so why not protect it now.
Property and casualty insurance risks can be complex to assess and insure based on a variety of factors. For example, goods with a high risk of damage, such as valuable artwork, jewelry, or collectibles, may require specialized appraisals and bespoke policies. Similarly, companies operating in high-risk sectors, such as construction or the oil industry, may face particular challenges in insuring their property and liabilities.
Natural disasters, such as hurricanes, earthquakes or floods, can also pose challenges in terms of property and casualty insurance, as the frequency and severity of these events can vary greatly from region to region.
The broker works for you
Ultimately, the complexity of property and casualty insurance often lies in the need to properly understand and assess the specific risks associated with each situation. Insurers and insurance brokers can work with experts, use sophisticated risk models and customize policies to adapt to the specific needs of policyholders in the face of these challenges.
Pourquoi mon entreprise serait-elle considérée comme présentant un risque spécial ?
Answer: Your business may be considered a special risk for several reasons, such as the nature of your activities (for example, working at heights, use of hazardous materials), the location of your business in a high-risk area, the unusual value of your equipment or inventory, or if your sector of activity is particularly prone to litigation.
L’assurance pour risques spéciaux est-elle plus coûteuse ?
Answer: Yes, generally, special or non-standard risk insurance can be more expensive than standard policies, due to the higher level of risk associated with your business. The cost will depend on the specific nature of the risk, the extent of the coverage desired, and the risk prevention and management measures you have in place.
