{"id":8912,"date":"2020-08-31T13:57:13","date_gmt":"2020-08-31T17:57:13","guid":{"rendered":"https:\/\/multi-risques.com\/trucs-et-conseils\/why-do-business-with-an-independent-insurance-broker\/"},"modified":"2026-04-05T13:53:06","modified_gmt":"2026-04-05T17:53:06","slug":"why-do-business-with-an-independent-insurance-broker","status":"publish","type":"cke_blogue","link":"https:\/\/multi-risques.com\/en\/tips-and-advice\/why-do-business-with-an-independent-insurance-broker\/","title":{"rendered":"Why Do Business with an Independent Insurance Broker?"},"content":{"rendered":"\n<p><strong>People do business with insurance brokers because they are specialists in their field, just as notaries are specialists in law.<\/strong><\/p>\n\n<p>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. <\/p>\n\n<p>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.<\/p>\n\n<p>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.<\/p>\n\n<h2 class=\"wp-block-heading\">Being properly insured is essential.<\/h2>\n\n<p>Have you thought about the cost of losing your car or your house?<\/p>\n\n<p>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&#8217;t take the time to get insurance or didn&#8217;t think it was necessary? <\/p>\n\n<p>Avez-vous pens\u00e9 \u00e0 ce qui vous en co\u00fbterait de r\u00e9nover enti\u00e8rement le premier \u00e9tage de votre maison \u00e0 cause d\u2019un d\u00e9g\u00e2t d\u2019eau majeur, et ce, \u00e0 vos frais parce que n\u2019avez jamais pris le temps de lire et v\u00e9rifier votre contrat d\u2019assurance? Vous savez, toutes ces petites lignes \u00e9crites en petit \u00e0 la fin de votre contrat? Elles comportent de nombreuses exclusions (ex: les dommages caus\u00e9s par l\u2019eau au-dessus du sol), qui ne peuvent \u00eatre ajout\u00e9es \u00e0 votre contrat que par l\u2019ajout d\u2019<a href=\"https:\/\/multi-risques.com\/quest-ce-quun-avenant\/\">avenants<\/a>.<\/p>\n\n<p>Avez-vous pens\u00e9 \u00e0 ce que vous co\u00fbterait la perte totale de votre v\u00e9hicule de l\u2019ann\u00e9e, car vous ne saviez pas que vous deviez ajouter votre adolescent comme conducteur occasionnel sur votre contrat d\u2019assurance automobile, et qu\u2019apr\u00e8s un accident regrettable, votre assureur refusait de vous indemniser, car votre enfant \u00e9tait au volant au moment des faits est que cela constituait une \u00ab <a href=\"https:\/\/multi-risques.com\/trucs-et-conseils\/laggravation-de-risques\/\">aggravation de risque<\/a> \u00bb ?<\/p>\n\n<h2 class=\"wp-block-heading\">Insuring your property is not something to be taken lightly.<\/h2>\n\n<p>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! <\/p>\n\n<h2 class=\"wp-block-heading\">And make no mistake! An insurance agent is not a broker. <\/h2>\n\n<p>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: <\/p>\n\n<ul class=\"wp-block-list\">\n<li>An <strong>insurance agent<\/strong> 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.  <\/li>\n<\/ul>\n\n<ul class=\"wp-block-list\">\n<li>An <strong>insurance broker with business ties to certain insurance companies<\/strong> 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.  <\/li>\n<\/ul>\n\n<ul class=\"wp-block-list\">\n<li>Unlike insurance agents, <strong>independent insurance brokers<\/strong> work for <strong>you<\/strong> rather than for a company. They are therefore not salespeople, but advisors. <\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\">But also\u2026<\/h2>\n\n<p>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. <\/p>\n\n<p>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. <\/p>\n\n<p>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. <\/p>\n\n<p>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!  <\/p>\n\n<h2 class=\"wp-block-heading\">Their recommendations are always made in your best interest.<\/h2>\n\n<p>Comme il a \u00e9t\u00e9 dit pr\u00e9c\u00e9demment, les courtiers d\u2019assurance ind\u00e9pendants sont impartiaux. Vous avez donc toujours l\u2019heure juste, car ils re\u00e7oivent une commission \u00e9galitaire de chacune des compagnies d\u2019assurance aupr\u00e8s desquelles ils placent des contrats. Ils n\u2019ont donc <strong>aucune motivation financi\u00e8re<\/strong> \u00e0 choisir une compagnie plut\u00f4t qu\u2019une autre. <a href=\"https:\/\/multi-risques.com\/\">Assurances Multi-Risques<\/a> est un cabinet enti\u00e8rement ind\u00e9pendant et notre impartialit\u00e9 fait notre fiert\u00e9!<\/p>\n\n<p>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&#8217;re in good hands! <\/p>\n\n<p>That&#8217;s why people choose to do business with an independent insurance broker!<\/p>\n","protected":false},"excerpt":{"rendered":"Choosing an insurance broker means choosing the best protection for yourself first (civil liability), and then for your material possessions!","protected":false},"featured_media":8460,"template":"","cke_assurances_tax":[],"cke_assurances_types":[],"cke_post_display":[102],"class_list":["post-8912","cke_blogue","type-cke_blogue","status-publish","has-post-thumbnail","hentry","cke_post_display-produit"],"acf":[],"mb":[],"mfb_rest_fields":["title"],"_links":{"self":[{"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_blogue\/8912","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_blogue"}],"about":[{"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/types\/cke_blogue"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/media\/8460"}],"wp:attachment":[{"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/media?parent=8912"}],"wp:term":[{"taxonomy":"cke_assurances_tax","embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_assurances_tax?post=8912"},{"taxonomy":"cke_assurances_types","embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_assurances_types?post=8912"},{"taxonomy":"cke_post_display","embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_post_display?post=8912"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}