Retailers
Retail insurance covers your entire business, from the building to its contents. No matter the size and fluctuations of your inventory, our brokers understand the reality of being a retailer and will suggest coverage tailored to your line of business.
At AMR, we understand the importance of human contact in customer service and we offer you nothing less than our expertise in the field!
This insurance is intended for all retail businesses Some examples of companies we insure are: clothing and accessory stores, stores selling renovation and construction materials, furniture and housewares stores, electronics stores, sports stores, convenience stores, pet shops, food stores, department stores and so on.
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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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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Product recall
This protection covers the cost of recalling a product that would be harmful to consumers.
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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.
As a retailer, it is important to check how your inventory fluctuates and cover it with the right amount of insurance. Many retailers can have up to 40% more inventory during busy seasons. Many retailers can have up to 40% more inventory during busy seasons.
Remember that for your line of business, it is important to declare sales made outside of Canada.
Cybersecurity coverage is important for your sector because it protects you against cyber attacks that can impact your online sales or internal computer systems.
Also remember that for a retailer, commercial vehicle insurance can cover your delivery vehicles.
Some retailers have to provide a license and permit bond. This is required by the federal and provincial governments.
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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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
We speak your language
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