Foire aux questions

The amount you pay out of pocket before the insurance covers the rest. A higher deductible generally reduces your premium.

Yes, but with limits. For complete protection of high-value items, consider specific endorsements or policies.

Install security systems, increase deductibles, consolidate policies, and maintain good credit. Compare offers regularly.

Most policies cover certain natural disasters, but events such as earthquakes or floods may require special coverage.

Yes, notify your broker/ insurer of any major renovations. This can affect the value of your home and your coverage.

Replacement cost reimburses the replacement cost without depreciation, while actual value considers wear and tear and depreciation.

It is not automatic, but certain types of water damage (such as flooding) may require additional coverage. Check the details of your policy.

Standard policies only sometimes automatically cover online activities. If necessary, check with your insurer and add specific e-commerce coverage, such as cyber-risk insurance.

Adjusting your coverage for peak periods is a good idea. Talk to your insurer about the possibility of flexible coverage that adapts to seasonal fluctuations in your inventory and sales.

Product recall insurance can cover the costs associated with a recall, including notification, transportation, storage and destruction of defective products. It can also cover loss of income and damage to reputation. It's essential to check whether this coverage is included in your policy or needs to be added separately.

You can consider increasing your deductibles, implementing additional security measures, regularly training your staff in risk prevention, and consolidating your policies with a single insurer to benefit from discounts.

Essential insurance generally includes commercial property, liability, business interruption and theft insurance. For companies with an online presence, cyber-risk insurance is also crucial.