Foire aux questions

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.

It can reduce your premium, as it reduces the risk of theft. Inform your insurance broker of any installation.

A good driving record can reduce your premium, while infractions or accidents can increase it.

Generally, yes, for the United States and Canada. For other countries, extended coverage may be required. Call your insurance broker before leaving to make sure you are well protected.

It guarantees the replacement of your vehicle with an equivalent new model in the event of total loss, without depreciation.