Manufacturing and wholesale insurance
Comprehensive manufacturing and wholesale insurance safeguards your entire operational footprint, from industrial facilities to inventory staged for distribution. At AMR, our independent commercial brokers understand the technical realities governing supply chain workflows and production lines across Quebec.
This field expertise enables us to structure relevant coverages and eliminate blind spots, ensuring uninterrupted business continuity for your firm.
Manufacturing and wholesale insurance is designed for plant managers and industrial distributors across Quebec. Whether you specialize in advanced manufacturing, industrial processing, materials recovery and recycling, or the production of metal, plastic, and rubber goods, our coverage aligns precisely with the operational and environmental standards of your facility.
Types of coverage and options
Multiple coverages tailored to your situation.
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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.
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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.
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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.
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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.
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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.
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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.
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Pollution
Pollution insurance protects contractors against environmental damage caused to others or to an area.
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Product recall
This protection covers the cost of recalling a product that would be harmful to consumers.
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Transportation of goods
Insurance for the transportation of goods that covers damage to cargo while in transit by sea, land or air.
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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.
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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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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.
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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.
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.
An accurate valuation of your industrial machinery, inventory, and office assets is vital to establishing proper manufacturing and wholesale insurance limits. Given surging replacement costs and the high capital value of modern assembly lines, a precise commercial property declaration prevents underinsurance and guarantees your indemnity settlement reflects true loss values following a claim.
Equipment breakdown coverage is an indispensable component of manufacturing and wholesale insurance. In modern production environments, component scarcity and prolonged supply lead times can paralyze an entire assembly line. Accurately assessing machinery replacement values and procurement delays allows us to calibrate your business interruption insurance, maintaining steady cash flow until operations are fully restored.
Built into your manufacturing and wholesale insurance policy, cyber risk coverage protects your operations against ransomware, unauthorized network intrusions, and data breaches. Whether an attack paralyzes automated assembly systems, halts online B2B ordering portals, or compromises sensitive supplier and client records, this policy absorbs data restoration expenses, forensic recovery costs, and resulting business interruption losses.
Business interruption coverage forms a strategic pillar of your manufacturing and wholesale insurance program. If an insured loss (facility fire or major machinery failure) forces an operational shutdown of your assembly lines or distribution hubs, this protection replaces lost operating profits and sustains ongoing fixed overhead, including payroll, lease obligations, and debt servicing, until full revenue recovery is achieved.
Whether supplying local distributors or shipping abroad, commercial general and product liability within your manufacturing and wholesale insurance shields your enterprise against third-party bodily injury and property damage claims. Accurately disclosing your U.S. and international sales volumes enables us to calibrate your territorial limits and policy endorsements, preventing coverage disputes and heavy defense costs in foreign jurisdictions.
Integrated into your manufacturing and wholesale insurance program, commercial auto fleet coverage safeguards your entire fleet : heavy-haul trucks, delivery vans, and technician service vehicles. This policy protects your rolling stock against collision, upset, and theft while providing comprehensive road liability, preventing costly supply chain bottlenecks and maintaining logistics momentum across Quebec.
Other option
Enhance your insurance with these add-ons to your policy that offer you even more protection, for optimal coverage that can handle any situation. These protections are not always included in standard packages, so it’s best to check and make sure they are included in your contract!
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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.
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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.
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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.
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Theft and embezzlement
Theft and embezzlement coverage provides compensation if an employee steals from you.
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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.
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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.
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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.
Tips and advices
Why choose us?
When you choose AMR Assurances Multi-Risques, you’re opting for a team of insurance experts. More than just brokers, we are advisors who have your best interests at heart.
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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