Vous êtes entrepreneur ou vous dirigez une entreprise qui utilise un ou plusieurs véhicules automobiles dans le cadre de ses fonctions ? Peu importe le type ou le nombre de véhicules dont votre entreprise fait usage, vous avez probablement besoin d’une assurance pour véhicules commerciaux.

In this article, Assurances Multi-Risques would like to provide you with some information and advice about car insurance for businesses to ensure you have maximum protection!

Cases requiring commercial auto insurance

A business insurance policy is required when:

Do you travel regularly for work (e.g., sales representatives)?
You transport goods, products, tools, and/or materials (e.g., general contractors, painters, plumbers, electricians, landscapers, etc.).You transport goods, products, tools, and/or materials (e.g., general contractors, painters, plumbers, electricians, landscapers, etc.).
You deliver physical goods to a store or to your customers’ homes (e.g., product distributor, food delivery, etc.).
You use your vehicle for catering purposes (e.g., mobile canteen).
You are transporting a trailer in which you have your work equipment.
You drive a truck to transport concrete, bricks, concrete blocks, wood, gravel, snow, etc.

Plusieurs autres cas nécessitent une assurance auto commerciale. Pour avoir le cœur net à propos de votre situation, n’hésitez pas à consulter un courtier d’assurance indépendant expert dans ce type d’assurance. Il saura vous guider et vous conseiller !

Choose car insurance tailored to your professional activities

Any professional use of your vehicle must be reported to your auto insurer. While a commercial auto insurance policy covers your car for both professional and personal use, the reverse is not true. Most standard insurers prefer not to insure commercial vehicles.

Si vous avez du mal à trouver un assureur qui accepte de vous couvrir, n’hésitez pas à contacter un courtier d’assurance. Mais si vous démarchez vous-même auprès de différents assureurs, assurez-vous de comparer des pommes avec des pommes !

For example, if you call insurer X and they offer you an annual premium of $1,000 (fictitious amount), but this does not include any other coverage, and you call insurer Y who offers you commercial auto insurance for $1,500, but in this contract, you get additional coverage such as replacement value and coverage for all the merchandise you transport, it’s not the same thing!

Don’t make the mistake of choosing insurance based solely on price. You need to be sure that you are adequately covered, based on the specific needs of your business.

The importance of knowing and understanding optional warranties

Insurance agents do not offer personalized service and do not follow up on cases. Make sure they present and explain the available optional coverage in detail so that you can make an informed choice.

All too often, entrepreneurs call us after a disaster for which they have not been fully compensated because they did not take out the right insurance coverage. Some have even been forced into bankruptcy to cover the debts incurred by the disaster. Indeed, bad insurance decisions can be very costly.

To ensure you are well protected and save money

Here are some examples of questions you should ask yourself:

What coverage do you want, and how much does each type of coverage cost for your commercial vehicles?
Do you have the right franchises?
Do you have a maintenance management program for your vehicles?
Do you have a program to prevent car theft?
Do you check the criminal records of new employees?
Do you request your employees’ driving records on an annual basis?
Do you conduct annual evaluations with your employees?
Do you have an internal code of conduct policy?

If you are uncomfortable with the terms and conditions of an insurance contract, if you don’t have time to do your research properly, and if you don’t want your business to find itself in trouble in the event of an accident that is not properly covered, contact a professional.

A good broker saves you time and money, but that’s not all! They watch your back by making sure your policy always meets your actual needs, advise you on the different types of coverage available, handle your file from start to finish in the event of a claim, and shop around every year to find you the cheapest insurance premium on the market without ever compromising your coverage.

That’s what an independent insurance broker is all about!

To conclude

Chez Assurances Multi-Risques, nous sommes spécialisés en assurance de dommages pour entreprises. Notre mission première : garantir la meilleure protection au meilleur prix à notre clientèle. Et pour se faire, nous avons choisi d’être des courtiers 100% indépendants afin d’avoir la possibilité de transiger avec plusieurs assureurs.

Unlike insurance agents who only sell a single range of products on behalf of a single company, we are free to shop around for you among a wide range of insurers.

Your dentist takes care of your teeth, your mechanic takes care of your car… So who takes care of your insurance?