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.
In the event of damage caused by fire, theft, vandalism or any other risk, your building will be covered. This protection can also include your company offices, their contents and your computer equipment. It is important to be aware of the exclusions mentioned in the contract.
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.
This insurance provides coverage for improvements and enhancements of a leased space. To be considered an improvement, the work must increase the original value of the building.
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.
Did you know that under the new Bill 141, directors and officers insurance is mandatory for associations? 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, association or organization.
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.
The purpose of the bid bond is to guarantee to the client that the contractor is solvent. The bid bond guarantees the contractor that their insurer will provide them with a performance bond if they win the bid. Be prepared: the bond is not insurance, but financing. Some information is needed in order to open a bond file and to indicate on which types of contracts you can bid.
This protection is essential for your line of business because it enables coverage for courtesy vehicles and vehicles that your clients have entrusted to you. It is important to know the maximum value that you have in your possession, especially during busy seasons. In fact, the proportional rule clause requires the business owner to be insured for a minimum of 80%, 90% or even 100% of the replacement value of their assets or building. In the event of a fire, for example, this is the protection that will cover you
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.
This protection covers damages caused to your agricultural equipment, tools and machinery in the event of an incident.
You can get coverage for your farm animals (beef cattle, dairy cows, horses, pigs, sheep, goats) in case of loss due to an incident.
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.
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.
As an agricultural producer, your crops are the fruit of your hard labour. There are coverages available to protect what you produce or process as well as the products you may need to produce a product.
Milk is sometimes contaminated by the presence of antibiotics that the animal has taken. In such cases, the entire batch must be discarded. This insurance protects you against the loss of milk, and also covers your liability if the product has been delivered.
These farm operations are often more personal than commercial in nature. This insurance protects you from unexpected events.
This insurance protects you in case of farm machinery breakdown. Since it is difficult to replace these machines quickly, there is coverage for losses during this transitional period.
This insurance will compensate the person who has been poisoned.
This protection covers defective performance or installation and any repair costs you may have to pay. There are also protections that cover redoing work that has been poorly executed in one of your work sites. It is important to make sure that the amount of your coverage is not limited so that you can avoid unpleasant surprises.
There are protections to cover all your contractor equipment as well as your tools. It is very important to verify the value of your tools and equipment each year.
This protection covers the loss or deterioration of important documents or files. In the event of a fire or flood, for example, the costs to replace these documents will be covered.
The risk of collapse due to the weight of snow is not always included in insurance policies. Adding this extra coverage will protect your farm buildings and their contents from possible damage.
Pollution insurance protects contractors against environmental damage caused to others or to an area.
Work site insurance protects the construction work you are doing and the risks that arise from it. There are two types of work site insurance: comprehensive and specific. he latter allows you to select the risks for which you would like to be covered. It is also possible to cover the materials as well as the work hours of your construction sites until the work is completed in case it takes longer than expected.
Work site insurance protects the construction work you are doing and the risks that arise from it. There are two types of work site insurance: comprehensive and specific. he latter allows you to select the risks for which you would like to be covered. It is also possible to cover the materials as well as the work hours of your construction sites until the work is completed in case it takes longer than expected. Note that it is important to tell your insurer if you are doing site surveillance for others, since there is errors and omissions protection that can cover the risks arising from site surveillance.
Don’t run the risk of having your concept stolen. This coverage also protects you against potential lawsuits in which a competitor claims that you have stolen their idea or project.
This protection covers the cost of recalling a product that would be harmful to consumers.
This protection covers the materials and work hours of your construction sites until the work is completed.
Insurance for the transportation of goods that covers damage to cargo while in transit by sea, land or air.
This protection covers all the participants in your large-scale construction projects.
Known as both “professional liability” and “errors and omissions,” this coverage protects you when an error is made in the course of your work.
Cyber coverage protects you from the consequences of theft, hacking or data loss. This protection can cover information theft, such as payroll system fraud or attempted fraud. Cybersecurity protection is now important in all lines of business.
Commercial vehicle insurance is determined by how you use your vehicle(s). Our coverage is suited to all types of commercial vehicles, ranging from a fleet of trucks or cars to a single automobile used for company or personal purposes.
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.
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 coverage provides compensation if an employee steals from you.
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.
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.
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.
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.
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.
The bid bond is intended to guarantee the good faith of the contractor to the client.
