Types of coverage and options

Multiple coverages tailored to your situation.

  • Civil liability

    No matter the services you offer, the products you sell or the location of your business, we can cover your civil liability. Civil liability protection follows you step by step and protects you in the event of accidental damage to other people or their property. This coverage is your proof of solvency! This insurance will also protect you if an accident occurs on your company’s premises or if damages are caused to the property of others.

  • Building and contents

    In the event of damage caused by fire, theft, vandalism or any other risk, your building will be covered—if, of course, you are the owner of the building. This protection can also include your company buildings, their contents, leasehold improvements (if you are the tenant of the space) and your computer equipment, as the case may be. It is important to be aware of the exclusions mentioned in the contract.

  • Operating loss

    Operating loss insurance covers a decrease in revenue if you have to interrupt your operations or relocate due to an incident, such as a fire. This protection can also include additional costs that may be significant during an incident. This protection allows you to keep your earnings in place until your income returns to normal. Coverage is for 12 months, but it is possible to obtain 18 or 24 months of coverage. It is important to verify the number of months needed and the time frame for replacing your equipment.

  • Directors and officers liability insurance

    Did you know that since the new Law 141 came into effect, directors and officers insurance is mandatory for unions? Whether you are a condominium association or a company with various shareholders, AMR has the right insurance product for your needs. Directors and officers insurance protects your assets and those of your company, union, or organization.

  • Proportional rule

    The cost of materials has skyrocketed in recent years. Therefore, it is important to use the services of a chartered appraiser. He will help you determine the right amount of insurance for your building, contents and equipment. Most business insurers use the proportional rule clause in their policies. This clause requires you to insure your commercial assets or building for a minimum of 80%, 90% or even up to 100% of their replacement cost.

  • Global policy

    This protection should be considered for all industries and companies that are active internationally. It is important to deal with an insurer that can cover your international activities. With online access, a growing number of companies have customers from all over the world. Therefore, it may be possible to have legal proceedings brought against you from outside of Canada. A global policy will cover these activities.

  • Contingent business interruption

    This coverage enables your company to remain in good financial health even if your most important supplier is suddenly unable to provide you with the products or materials you need following an incident.

  • Pollution

    Pollution insurance protects contractors against environmental damage caused to others or to an area.

  • Product recall

    This protection covers the cost of recalling a product that would be harmful to consumers.

  • Transportation of goods

    Insurance for the transportation of goods that covers damage to cargo while in transit by sea, land or air.

  • Professional liability

    Known by two names, Professional Liability and Errors and Omissions, this protection covers you when an error occurs in the performance of a task in the course of your work.

  • Cybersecurity

    Cybersecurity protection protects you from the consequences of theft, hacking, or data loss. This protection may cover information theft, such as payroll fraud or attempted fraud. Cybersecurity protection is now important in all lines of business.

  • Commercial vehicle

    Commercial vehicle insurance is determined by how you use your vehicle(s). Our protections are suitable for all types of commercial vehicles, ranging from a fleet of trucks or cars to a single vehicle used for your company or for your personal use.

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Think about it!

Our independent brokers are insurance experts. But that’s not all!

Our team of independent insurance brokers doesn’t copy and paste coverage from one industry to another. AMR has experts for each line of business that we insure and is committed to providing coverage tailored to your activities.

It is important to know the value of your equipment, merchandise and office content. In the manufacturing sector, these costs can increase very quickly.


There is protection to cover your production machines and the potential breakdowns that may occur. It is important to know the value and scarcity of your production machines and how long it would take for them to be delivered in the event of a breakdown.


Cybersecurity insurance protects you from the consequences of theft, hacking or data loss. This protection is important for manufacturers Cyberattacks can impact your online sales or internal computer systems, as well as your clients’ or suppliers’ sensitive data.


Operating loss coverage is very important for your line of business. It protects you in the event of an accident. You will be covered and will continue to receive an income until your usual revenue gets back to normal.


Liability insurance is essential for your line of business. It is important to declare your sales outside Canada in order to have the right coverage.


If you have a vehicle fleet, delivery vehicles or service vehicles, there are good products to cover your commercial vehicles.


Other option

  • New value/replacement value

    This coverage allows you to replace your property that has been damaged without deduction for depreciation. The premium will be determined based on the new value. It is important to be aware of the exclusions mentioned in the contract.

  • Theft and embezzlement

    Theft and embezzlement coverage provides compensation if an employee steals from you.

  • Earthquake

    With this coverage, you will be protected in the event of an earthquake that damages your commercial building and its contents. This protection is becoming increasingly valuable in the face of climate change.

  • Water damage

    With this coverage, you will be protected in the event of water damage to your commercial building and its contents. It is important to be aware of the exclusions mentioned in the contract.

  • Flood

    With this coverage, you will be protected in the event of water flooding that damages your commercial building and its contents. It is important to be aware of the exclusions mentioned in the contract.

  • Sewer backup

    The name says it all! This protection covers you against sewer backup in your commercial building. The contents will be protected and you will be compensated for decontamination, building repairs and content replacement. It is important to be aware of the exclusions listed in the policy and to have high enough amounts to cover this type of expense.

  • Equipment breakdown

    With this type of insurance, your company will be protected against losses caused by equipment breakdown (heating, air conditioning, refrigeration, production or transformation machinery, electronic or electrical devices). It is important to be aware of the exclusions mentioned in the contract.

Tips and advices

Why choose us?

Our primary mission is to represent you with various insurers and to offer you a product that meets your needs. And because life moves fast, we negotiate to get you the best insurance contract at the best quality-price ratio to guarantee you peace of mind.

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