Specialized contractors
Even though specialized contractors work in a wide variety of sectors, our brokers can inform you of the best types of coverage for your profession.
Whether you are just starting out as a specialized contractor or are an expert in your field, our team of independent brokers wants to anticipate the risks you may face. At AMR, we deal with your insurance so you don’t have to!
This insurance is intended for specialized contractors. Some of the professions in this field that we insure include: landscapers, snow removers, electricians, plumbers, masons, carpenter-joiners, roofers, and contractors specializing in roofing, industrial mechanics, cabinetwork, interior finishing, HVAC, etc.
Is your profession not on this list? Don’t worry! Our team of independent brokers will be able to find the right coverage for your line of work.
Types of coverage and options
Multiple coverages tailored to your situation.
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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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RBQ bond
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.
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Malfunction
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.
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Contractor equipment and tools
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.
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Pollution
Pollution insurance protects contractors against environmental damage caused to others or to an area.
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Installation risk
This protection covers the materials and work hours of your construction sites until the work is completed.
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Wrap-up
This protection covers all the participants in your large-scale construction projects.
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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.
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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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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.
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.
Commercial vehicle insurance can cover vehicles on work sites, whether they are used by your company or by you personally. AMR can find the product that best suits your needs!
Errors and omissions coverage (also known as professional liability) will protect you if a mistake is made in the course of your work. This protection is very important if you supervise construction sites. Professional coverage is also essential for this type of activity.
Other option
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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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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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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.
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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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Bid bond
The purpose of the bid bond is to guarantee the client that the contractor is acting in good faith.
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.
Don’t wait any longer!
We’re passionate about insurance
We compare the best protections
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