Why Do Business with an Independent Insurance Broker?

People do business with insurance brokers because they are specialists in their field, just as notaries are specialists in law.

Working with an independent insurance broker means choosing the best protection for yourself first (civil liability), and then for your material possessions (home, car, motorcycle, etc.). Insurance brokers, like notaries for example, advise you on the best decisions for you, check and validate your contracts so that you are well protected if something unfortunate should happen.

Insurance brokers are professionals who seek out the best coverage for you, based on your individual assets and needs. Since these vary from person to person, it is important to have an insurance policy that fully meets your personal circumstances.

And in the event of a claim, your broker will handle your case from start to finish: they will facilitate the administrative process, answer all your questions, and also defend you in the event of a dispute with the insurer.

Being properly insured is essential.

Have you thought about the cost of losing your car or your house?

How much would it cost you to be sued in civil court for damages estimated at $600,000 if, unfortunately, you accidentally set your apartment on fire and your building was a total loss? All because you didn’t take the time to get insurance or didn’t think it was necessary?

Avez-vous pensé à ce qui vous en coûterait de rénover entièrement le premier étage de votre maison à cause d’un dégât d’eau majeur, et ce, à vos frais parce que n’avez jamais pris le temps de lire et vérifier votre contrat d’assurance? Vous savez, toutes ces petites lignes écrites en petit à la fin de votre contrat? Elles comportent de nombreuses exclusions (ex: les dommages causés par l’eau au-dessus du sol), qui ne peuvent être ajoutées à votre contrat que par l’ajout d’avenants.

Avez-vous pensé à ce que vous coûterait la perte totale de votre véhicule de l’année, car vous ne saviez pas que vous deviez ajouter votre adolescent comme conducteur occasionnel sur votre contrat d’assurance automobile, et qu’après un accident regrettable, votre assureur refusait de vous indemniser, car votre enfant était au volant au moment des faits est que cela constituait une « aggravation de risque » ?

Insuring your property is not something to be taken lightly.

You should always ensure that you have the right insurance product to avoid unpleasant surprises in the event of a claim. It is therefore important to seek expert advice!

And make no mistake! An insurance agent is not a broker.

Although you can purchase insurance from an agent or a broker, these are two different professions. To help you better understand, here are the main differences between the job of an insurance agent and that of an independent insurance broker:

• An insurance agent is an employee of the insurance company for which they work. For example, if you choose to deal directly with an insurance company, you will be dealing with one of the many property and casualty insurance agents who work for that company. Agents sell only one range of insurance products.

• An insurance broker with business ties to certain insurance companies may offer you a wider range of insurance products, but will generally favor insurance products from companies that pay them commissions. They are therefore not 100% impartial. Note that if there are financial ties, your insurance broker has a duty to disclose this to you.

• Unlike insurance agents, independent insurance brokers work for you rather than for a company. They are therefore not salespeople, but advisors.

But also…

Independent insurance brokers are licensed professionals. Their expertise and judgment are put to use every day, making them the best people to accurately assess your needs.

Their first and only responsibility is to serve your interests, and since they receive no financial incentives from insurance companies, brokers work with complete transparency. You can therefore trust them completely.

Independent insurance brokers take the time to analyze your needs in order to offer you insurance policies that suit you, at the best value for money on the market. They also have access to a wide range of insurers across the country, some of which do not sell directly to the public.

They also monitor market fluctuations for you. This means that, year after year, they grant you all the discounts you are entitled to. A great way to save time and money!

Their recommendations are always made in your best interest.

Comme il a été dit précédemment, les courtiers d’assurance indépendants sont impartiaux. Vous avez donc toujours l’heure juste, car ils reçoivent une commission égalitaire de chacune des compagnies d’assurance auprès desquelles ils placent des contrats. Ils n’ont donc aucune motivation financière à choisir une compagnie plutôt qu’une autre. Assurances Multi-Risques est un cabinet entièrement indépendant et notre impartialité fait notre fierté!

By choosing to entrust your insurance to an independent broker, you get expert service and optimal protection for your assets. You can rest easy knowing you’re in good hands!

That’s why people choose to do business with an independent insurance broker!