As an independent insurance brokerage firm, we get many calls every day from clients with questions about their home, auto and business insurance. Some don’t understand why their premiums have increased, others can’t manage to get the insurance coverage they need, while others are confused about the specific characteristics of the different insurance companies and their services. Not being bound to any insurance company, Assurances Multi-Risques is free to answer all your questions and help you choose the right insurer for you, in a totally impartial manner. In this article, we hope to help you understand how to choose the right insurer(s) based on your needs.

Which insurer should you choose?

You first need to understand that all insurers have different target clients, and that every client is unique and has specific needs! So the right insurer for your neighbour may not be the right one for you. That’s why shopping around for insurance can quickly become complicated if you don’t know which door to knock on to meet YOUR needs.

Furthermore, a single insurer may not necessarily meet all your needs. In fact, we too often realize that some clients insure their entire portfolio with the same insurer even though this is unfortunately not the optimal solution.

In this respect, at AMR, as an independent insurance broker, we sometimes insure the same client with several insurers based on their needs. For example, their automobile may be insured with insurer X, their motorcycle with insurer Y, their house with insurer Z, etc. Why? Because each insurer specializes in a different area! This way, we make sure that all the client’s assets benefit from the best coverage possible from the appropriate insurer.

Moreover, the beauty is that by doing business with an independent insurance broker, you can buy insurance from several insurers to suit your needs and get it all done in a single phone call! The broker does all the legwork with the insurers, while you’re in contact with only one professional.


To sum up, we know that insurance isn’t the simplest or most glamorous field. But insurance is a dynamic sector and a driver for the global economy, and its goal is to protect your assets in order to prevent bankruptcies. Regardless, few people look forward to insurance shopping every year!

As a broker, our mission is to make life easier for you by being the point of contact between you and many insurance companies. In the months to come, we’ll be happy to introduce you to the insurance providers we work with to provide this service to you as part of our new Insurer of the Month series. In articles published monthly, several companies will answer our questions, show you their competitive advantages and explain what their target market is. It is our hope that these articles will allow you to see the insurance field in a new light!