Being an entrepreneur is a calling! It can be the best job in the world, but also one of the most demanding!
Many companies have vehicles to insure, but the insurance process is not always easy. We understand that insuring a commercial fleet is a big task.
C’est encore plus compliqué si un de vos employés, ou vous-même, avez commis un délit par le passé. Si vous possédez un dossier criminel, vous aurez probablement de la difficulté à assurer vos véhicules commerciaux.
We can help you! Assurances Multi-Risques does not judge; we are professionals and want to give you all the tools you need to make insurance easier. We insure your vehicles so that you can continue to run your business without hassle or unpleasant surprises!
An employee with a criminal record
First, you must disclose to your auto insurer if you or any of your employees have a criminal record. If you fail to disclose this information, the insurer may refuse to pay you in the event of a claim.
L’assureur invoquera les articles 2466 et 2467 du Code civil du Québec. Cela signifie qu’un assuré est tenu de déclarer toute situation qui augmente le risque pour un assureur. Dans le monde de l’assurance, les experts parlent d’aggravation de risques.
Tip for declaring everything to the insurer
When we communicate with contractors, we seek to learn about the profile of their employees. Contractors often tell us that they feel uncomfortable conducting multiple checks on their employees.
As insurance professionals and entrepreneurs, we make it our duty to advise you properly. We take the time to explain the risks associated with a criminal record. This can affect not only your auto insurance, but also the success of your business. It is important to fully understand these issues in order to better protect yourself.
Request records upon hiring
That’s why we recommend that you always check your employees’ criminal records before hiring them. It’s a great way to get to know who you’re hiring.
In addition, we strongly recommend that you request a future employee’s file from the Société de l’assurance automobile du Québec. This is especially necessary if you wish to hire someone in the delivery field.
Keep in mind that an employee who behaves recklessly or carelessly can also give you very bad publicity. All this in addition to increasing the risk of accidents and therefore claims. Moreover, making a claim may not work if the insurer has not been notified.
How can you insure an employee with a criminal record in your vehicle fleet?
Nous croyons tous que nous avons le droit à une deuxième chance! L’un de vos employés à un dossier criminel et votre assureur automobile ne veut plus vous assurer? Nous vous conseillons fortement de contacter un courtier d’assurance indépendant qui fait affaire avec plusieurs assureurs spécialisés dans les dossiers criminels.
We have some great advice for you. If you have an employee with a criminal record, insure them with a specialized insurer. Your current insurer will then exclude your employee with a criminal record. You can continue to benefit from preferential rates for your other vehicles.
To manage your auto insurance effectively, it is recommended that you choose a single broker. This helps avoid confusion between different insurance companies.
The insurance experience with AMR
We firmly believe that as an entrepreneur, you should see the glass as half full, not half empty. Being positive pays off! If the situation arises and you hire an employee with a criminal record, we have solutions for you!
We strongly recommend that you notify your auto insurer as soon as possible to avoid any insurance issues.
As an insurance specialist, Assurances Multi-Risques guides and advises you so that your business is adequately protected. All this so that your business can navigate the path to success!