Business special risks insurance
RAPID
SPECIALISTS
Non-standard insurance
The more an activity deviates from the norm, the more difficult it becomes to take out a business insurance policy covering the various risks that may arise. And insurers almost systematically refuse to insure these innovative or problematic companies.
Insurance for companies with special or aggravated risks
Fortunately, this is not the case for all firms, because at Assur360, it is always possible to take out a tailor-made insurance policy and benefit from an ideal level of coverage. A file analysis is carried out to define the risks associated with the activity and the type of claims to be insured. The aim is to protect the policyholder and offer him or her coverage and premiums tailored to his or her needs.
You can contact Assur360 to request a quote free of charge and with no obligation. It's an opportunity to find out more about the coverages offered against special risks in Quebec, and to purchase them at the best rates.
Example of non-standard products:
- Vacant building
- Bar
- Alternative resources
- Post-disaster contractors
- Contractors & Worksites
- High-value residences
- Residential Non-Standard
- Rental properties
- Industrial risk delegations
- Welders
- Professional liability Medical malpractice
- Directors & Officers liability
- Professional liability Miscellaneous
- Professional liability for architects and engineers
- Responsibility for special events
Cyber Risks
Have you considered insuring your business against cyber risksCybersecurity has become a priority for companies in Quebec. The risks are increasingly high and your data is valuable, so why not protect it now.
Property insurance risks can be complex to assess and insure, depending on a variety of factors. For example, assets with a high risk of damage, such as precious works of art, jewelry or collectors' items, may require specialist assessments and tailor-made policies. Similarly, companies operating in high-risk sectors, such as construction or the oil industry, may face particular challenges in insuring their assets and liabilities.
Natural disasters, such as hurricanes, earthquakes or floods, can also pose difficulties in terms of damage insurance, as the frequency and severity of these events can vary considerably from one region to another.
The broker works for you
In the end, the the complexity of general insurance often lies in the need to understand and correctly assess the specific risks associated with each situation. Insurers and insurance brokers can work with experts, use sophisticated risk models and tailor policies to meet the specific needs of policyholders in the face of these challenges.
Why would my company be considered a special risk?
Answer: Your company may be considered a special risk for a number of reasons, such as nature of your business (e.g. work at height, use of hazardous materials), the location of your business in a high-risk area, the unusual value of your equipment or inventory, or whether your business sector is particularly prone to litigation.
Is special risk insurance more expensive?
Answer: Yes, generally speaking, insurance for special or non-standard risks can be more expensive than standard policies, due to the higher level of risk associated with your business. The cost will depend on the specific nature of the risk, the extent of coverage required, and the risk prevention and management measures you have in place.