Business insurance issues
There are solutions for all complex situations!
Are you having trouble finding insurance for your business? There are a number of potential reasons for this situation.
Our team of independent brokers has in-depth knowledge of the market and tailored insurance products for more complex situations. Working with several insurers specializing in non-standard insurance risks (substandard insurance), they are equipped and able to find an insurer who will agree to cover your business, regardless of the difficulties you face.
AMR offers comprehensive, personalized support for the challenges you face, as well as tips on how to lower your insurance premium! It’s a no-brainer—with AMR, you get the best of both worlds!
The most common insurance problems
Assurances Multi-Risques is a team of brokers specialized in non-standard insurance. We are committed to defending your interests in order to give your insurance needs a second chance.
No matter the business insurance problems you’re facing, our team guarantees solutions.
The proof? We’ve created a list of all the insurance problems that our team has encountered … and covered!
Interrupted insurance coverage
For an insurer, interrupted insurance coverage is the time during which your business is not insured. The length of this interruption will affect your chances of finding a new insurer.
Insurance non-renewal for various reasons
Has your insurer sent you a letter terminating your business insurance policy because you failed to disclose your criminal record or because of too many claims? Don’t wait to find a new insurer! Other unpleasant consequences could follow.
New business
Have you just started your business and are having trouble finding an insurer? Don’t worry! AMR’s brokers are experts in all kinds of insurance problems that your company may face.
Contractors with a criminal record
Do you have a criminal record because you drove under the influence of alcohol or drugs, because you drove dangerously, or for any other reason? Getting insurance for your business becomes much more complex. However, there are tips to make your search easier (and contacting an independent insurance broker is one of them!).
Vacant commercial building
A vacant commercial building is often synonymous with increased risk for an insurer. Theft, fire, vandalism … There are many situations that lead to increased risks. A commercial building that is vacant for more than 30 days will not be covered by your insurer in the event of an accident.
Building under renovation or construction
Are you renovating or constructing a residential, commercial, industrial, or institutional building and facing rejection from the insurers you have contacted? Don’t panic! Our team of independent brokers will be able to guide you toward insurance companies that specialize in your line of work.
Increased risk
Is your commercial building no longer in use? Is your business located in your home? Have you added a service to your business? (E.g., welding outside the premises specified in the insurance policy.) Does a new employee have a criminal record? There are many situations that can increase the risk in the eyes of your insurer. To avoid unpleasant surprises, it is important to notify your insurer of any changes made!
Accident and claim frequency
A lot of incidents have occurred in recent years: water leaks, fires, fender-benders with your commercial vehicle(s), equipment failure, etc. Your insurer has advised you that they are terminating your company’s contract because you have made claims or declared accidents too often. However, there are solutions to make your search for a new insurer easier and, above all, tips to prevent such a situation from happening again!
Licence suspension
Has your driver’s license been suspended due to dangerous or impaired driving? It will be harder to find an insurer for your commercial vehicles. But don’t lose hope! Some insurance companies that specialize in non-standard insurance accept these types of cases. There are also tips for reducing your insurance premium for your commercial vehicles!
Contractor in business for less than three years
It is common for insurers to refuse to insure entrepreneurs who have been in business for less than three years. However, do not lose hope! There are solutions to help your entrepreneurial project get off the ground and ensure that it is viable and properly protected!
Restaurant in business for less than three years
Insurers often deny insurance to restaurateurs with less than three years of experience. But don’t lose hope! There are solutions to help your project come to fruition, be viable and have the right coverage!
Cancellation due to non-payment
Your insurer has sent you a letter terminating your company’s insurance policy for non-payment of your premium. Don’t wait to find a new insurer! Other unpleasant consequences could follow.
Problems with farm insurance
Having trouble insuring your farm? Whether you have a cattle, dairy, hog, vegetable or gentleman’s farm, there are solutions to protect your business. Just like you, our team of independent brokers works hard to find you a specialized insurer who will insure you!
Overloaded sector
Do you work in a high-demand industry and, for this reason, are having trouble finding an insurer for your business? Don’t worry! Our independent brokers will take care of finding solutions that will allow you to get the right insurance for your company. For every problem, AMR finds a solution!
Bars
Having trouble insuring your bar? A number of reasons can explain why it is hard for you to find an insurer: alcohol sales, business hours, use of frying, delivery service, etc. . These are things that, in the eyes of an insurer, increase the risks. Opting for an independent insurance broker who will be able to find an insurer specializing in your industry is definitely an option worth considering!
Some tips for reducing your insurance premium
Avoid making false claims.
Be transparent and honest! In the event of an accident or claim, you will avoid unpleasant surprises.
Don’t wait until the last minute.
Don’t wait until the last minute to plan your renewal and, if needed, ask your insurer to extend your coverage period to avoid an insurance interruption. Trust our brokers! You do not want to have an insurance interruption on your record.
Demonstrate the strength of your business to your insurer.
To do so, don’t be afraid to share your company’s business plan, vision, mission and values. The more you demonstrate to the insurer that you are organized, the more you increase your chances of insuring your business!
Don’t be afraid to increase your deductibles.
You will reduce your risk-taking and it will be easier to get insurance in the future.
Work closely with your insurer.
Work closely with your insurance company, broker and risk management employees.
Contact our independent insurance brokers!
These insurance experts take your well-being to heart. At AMR, we find solutions for every obstacle encountered!
Need insurance for your business?
We can help you.
Let our brokers find you the right coverage for your company’s needs.