Pourquoi faire affaire avec un courtier plutôt qu'un assureur direct?

Le courtier travaille dans votre intérêt exclusif, pas celui de l'assureur. Il compare les offres de 30+ compagnies, explique les couvertures en langage clair et négocie les meilleurs prix. En cas de sinistre, il vous accompagne dans les démarches de réclamation.

Combien coûte un courtier en assurance de dommages?

Les services d'un courtier sont gratuits pour le consommateur. Le courtier est rémunéré par commission des compagnies d'assurance (10 % à 20 % de la prime), un montant déjà inclus dans le prix de votre police.

Quelle est la différence entre un courtier et un agent d'assurance?

L'agent représente une seule compagnie d'assurance et vend uniquement ses produits. Le courtier est indépendant : il représente le client et peut magasiner parmi plusieurs assureurs pour trouver la meilleure offre. Les deux sont encadrés par la ChAD et l'AMF au Québec.

Comment vérifier si un courtier est légitime au Québec?

Consultez le registre de l'AMF (Autorité des marchés financiers) en ligne. Tout courtier en assurance de dommages doit y être inscrit avec un numéro de certificat valide. Vous pouvez aussi vérifier son dossier disciplinaire auprès de la ChAD.

Quels types d'assurance un courtier peut-il offrir?

Un courtier en assurance de dommages couvre : auto (personnelle et commerciale), habitation (maison, condo, locataire, chalet), entreprise (commerciale, responsabilité, pertes d'exploitation), véhicules récréatifs (VR, bateau, moto, motoneige, quad), agricole, transport/camionnage et assurances spécialisées (cyber, cautionnement).

Combien puis-je économiser avec un courtier vs magasiner seul?

En moyenne, les Québécois économisent entre 400 $ et 900 $ par année en passant par un courtier plutôt qu'en renouvelant automatiquement leur police. L'économie vient de la mise en concurrence de plusieurs assureurs et de l'optimisation des protections.

Est-ce que je suis obligé de prendre la soumission du courtier?

Non, aucune obligation. La soumission d'un courtier est gratuite et sans engagement. Vous recevez les offres comparatives, le courtier vous explique les différences, et vous prenez votre décision en toute liberté.

Que fait un courtier en cas de sinistre?

Votre courtier défend vos intérêts auprès de l'assureur. Il vous guide dans la déclaration du sinistre, vérifie que votre police couvre bien les dommages, s'assure que l'indemnisation est juste et intervient si vous êtes insatisfait du règlement.

Puis-je changer de courtier en cours de contrat?

Oui, vous pouvez changer de courtier à tout moment. Votre contrat d'assurance est avec la compagnie d'assurance, pas avec le courtier. Vous pouvez mandater un nouveau courtier pour gérer votre police existante ou attendre le renouvellement.

Est-ce que le courtier a accès à tous les assureurs au Québec?

Pas tous, mais les plus importants. Chaque cabinet de courtage a des ententes avec un certain nombre d'assureurs (généralement entre 10 et 40). Chez Assur360, nos courtiers partenaires comparent plus de 9 assureurs incluant Promutuel, Intact, Wawanesa, L'Unique, Aviva et plusieurs autres.

Insurance Broker Quebec 2026: Compare 30+ Insurers

AMF Certified Insurance Broker — Assur360

IN BRIEF

The role of the independent insurance broker

An insurance broker is an AMF (Autorité des marchés financiers) certified professional who represents your interests, not those of an insurer. He shops for you with several companies.

Difference vs agent: an agent represents ONE company. A broker compares 5 to 15 companies to identify the best price/protection combination based on your unique profile.

DAMAGE INSURANCE BROKER

Compare the best insurance brokers in Quebec

An independent broker compares offers from 9+ insurers for you. Get the best protection at the best price — 100% free, no commitment.

Get my free quote📞 1-866-357-4451

Insurers Compared

$650

Average Savings/Year

100 %

Free for you

2 min

For your quote

What is a damage insurance broker?

A damage insurance broker is a professional certified by the Chambre de l’assurance de dommages (ChAD) and registered with the Autorité des marchés financiers (AMF). Unlike an agent who represents a single insurer, the broker acts in your exclusive interest. He analyzes your situation, shops for offers from several companies and negotiates the best protection at the best price — all at no cost to you.

In Quebec, more than 4,200 damage insurance brokers are active. They must adhere to a strict code of ethics, maintain continuing education and have professional liability insurance protecting consumers up to $200,000 through the Financial Services Indemnity Fund.

Broker vs. Agent vs. Direct Insurer: What’s the Difference?

Many Quebecers confuse these three options. Here is a comparison chart to understand the fundamental differences:

Consulting support 0 negotiation price

Criterion	🏆 Broker	Agent	Direct Insurer
Who represents?	You, the customer	The insurer	Himself
Number of insurers	30+ companies	1 single	1 single
Independent	✅ Objective	⚠️ Limited	❌ Home
Disaster	✅ By your side	⚠️ Partial	❌ Judge and party
Cost to you	$0 (free)	$	$0
Price	✅ Competitive bidding	❌ Imposed	❌ Fixed rate

Source: Éducaloi – Property and Home Insurance | InfoAssurance.ca (LAC)

8 advantages of doing business with an insurance broker

🔍

Access to 9+ insurers

A broker compares the coverage of dozens of companies in a single process — something you can’t do alone.

💰

Average savings of $650/year

By putting insurers in competition, your broker gets rates that you wouldn’t get by shopping alone.

🛡️

100% independent consulting

No sales quota for a specific insurer. Its only objective: your best interest, guaranteed by its code of ethics.

📋

Comprehensive analysis of your needs

It identifies the risks that you might forget: water damage, underinsurance, insufficient civil liability.

⚡

Support in the event of a claim

Your broker defends your interests against the insurer in the event of a claim — unlike the agent who represents the company.

🔄

Renewal negotiated annually

Your broker reassesses your coverage and renegotiates your premiums at each renewal to ensure you’re paying the right price.

📄

Simplified paperwork

The broker handles documents, endorsements, contract amendments, and communications with insurers for you.

🏛️

Regulatory protection

Supervised by the ChAD and the AMF, your broker is protected by the Indemnity Fund up to $200,000 in the event of fault.

How does an insurance broker work? 4 simple steps

Fill out the online form (2 minutes)

Include your type of insurance (car, home, business, recreational vehicle) and basic information. No payment required.

A certified broker analyzes your file

A professional registered with the AMF assesses your needs, identifies specific risks and prepares appropriate quotes.

Compare offers from 9+ insurers

Receive quotes that compare each insurer’s coverage, deductibles and premiums. Your broker explains the differences.

Choose the best coverage — your broker takes care of the rest

Select the plan that’s right for you. Your broker issues the policy, manages the documents, and remains available in the event of a claim or question.

How much does it cost to work as an insurance broker?

💡 Good news: the broker is free for you

Property and casualty insurance brokers are compensated by commission from insurance companies, usually between 10% and 20% of your premium. This commission is already included in the price of your policy — whether you go through a broker or not.

In other words, you pay the same price (and often cheaper thanks to the competitive bidding), but you also benefit from personalised advice, claims support and annual negotiation of your premiums.

Some brokers may charge fees for specialized services (complex risk assessment, business expertise). These fees, which are regulated by the ChAD, must be disclosed before the service.

Our brokered insurance specialties

🚗 Car insurance

Compare premiums from 9+ insurers for your personal or commercial vehicle.

🏠 Home insurance

Home, condo, tenant or cottage — find the best coverage at the best price.

🏢 Business Insurance

Civil liability, commercial property, business interruption for SMEs and self-employed workers.

🏕️ Recreational Vehicles

RV, boat, motorcycle, snowmobile, quad — coverage suitable for seasonal use.

⚖️ Criminal Record / 2nd Chance

Impaired driving, a criminal record or refusal — our specialized brokers find solutions.

🔒 Cyber Insurance

Protection against cyberattacks, data theft and ransomware for Quebec businesses.

How to choose the right insurance broker in Quebec?

To choose a reliable broker, check these 5 essential criteria:

AMF registration — Check your certificate number on the AMF register
Number of partner insurers — The more they have, the more rates they can compare for you
Specialization — Some brokers excel in business insurance, others in auto or recreational vehicles
Customer Reviews — Check Google Ratings and Ask for References
Availability — A good broker responds quickly and supports you during claims

Insurance brokers by region of Quebec

Whether you live in an urban or regional area, an independent insurance broker can serve you. Our broker partners cover the entire territory of Quebec, including:

📍 Montreal and Laval 📍 Quebec City and Lévis 📍 Gatineau and Outaouais 📍 Sherbrooke and Estrie 📍 Trois-Rivières and Mauricie 📍 Saguenay and Lac-Saint-Jean 📍 Longueuil and South Shore 📍 Thetford Mines and Chaudière-Appalaches 📍 Drummondville and Centre-du-Québec 📍 Rimouski and Bas-Saint-Laurent

Specialties of damage insurance brokers in Quebec

Protections insurance Perils insurance damage Insurance workers interruption Vehicles assistance Insurance farms Liability owners Vehicles valuation

Specialty:	Clientele	Key	Detail page
Car	Individuals, companies	RC, Collision, All Perils, Specified	Car Broker →
Home	Owners, tenants, co-owners	Building, property, RC, replacement cost, water	Housing →
Business	SMEs, businesses, self-employed	Business property, RCI, business	→ Business Broker
Recreational	RV, boat, motorcycle, snowmobile, quad	Damage, theft, liability, roadside	VR Broker →
Agricultural	Farm operators, family	Buildings, machinery, livestock, RC	Agricultural →
Professional	Consultants, professionals, contractors	Errors and omissions, legal protection, cyber	Special Risks→
Condominium (condo)	Unions, unit	Common portion, private unit, RC, deductible syndicate	Condo →
High Value / Specialized	Luxury Properties, Collections, Exotic	Tailor-made protection, agreed value, expert	Non-standard→

💡 Expert Tip — When should you contact a broker?

Contact an insurance broker 30 days before the end of your current contract. This gives them time to shop around for the best rates without putting you in an auto-renewal situation.

You should also consult a broker if: you’re buying your first home, starting a business, your premium has increased by more than 15% at renewal, or you’ve suffered a recent loss (water damage, theft, fire).

Why trust Assur360?

✅

AMF certified

Registered with the Autorité des marchés financiers

✅

ChAD Member

Chambre de l’assurance de dommages du Québec

✅

100,000+ Submissions

Thousands of Quebecers trust us every year

✅

9+ insurers

Promutuel, Intact, Wawanesa, L’Unique, Aviva and more

Frequently Asked Questions — Insurance Broker in Quebec

Why do business with a broker rather than a direct insurer?

The broker works in your exclusive interest, not the insurer’s. He compares offers from 30+ companies, explains coverage in plain language, and negotiates the best prices. In the event of a claim, he or she will assist you in the claims process. You get the best protection/price ratio effortlessly.

How much does a damage insurance broker cost?

The services of a broker are free for the consumer. The broker is compensated by commission from insurance companies (10% to 20% of the premium), an amount already included in the price of your policy — whether you go through a broker or not.

What is the difference between an insurance broker and an insurance agent?

The agent represents a single insurance company and sells only its products. The broker is independent: he represents the client and can shop among several insurers to find the best offer. Both are overseen by the ChAD and the AMF in Quebec.

How do I check if a broker is legitimate in Quebec?

Consult the AMF (Autorité des marchés financiers) register online. All damage insurance brokers must be registered with a valid certificate number. You can also check his disciplinary record with the ChAD (Chambre de l’assurance de dommages).

What types of insurance can a broker offer?

A damage insurance broker covers: auto (personal and commercial), home (house, condo, tenant, cottage), business (commercial, liability, business interruption), recreational vehicles (RV, boat, motorcycle, snowmobile, quad), agricultural, transportation/trucking and specialized insurance (cyber, surety).

How much can I save with a broker vs shop alone?

On average, Quebecers save between $400 and $900 per year by going through a broker rather than automatically renewing their policy. The savings come from the competition between several insurers and the optimization of coverage (deductible, multi-policy discounts, home and home consolidation).

Do I have to take the broker’s quote?

No, no obligation. The quote from a broker is free and without obligation. You receive the comparative offers, the broker explains the differences, and you make your decision in complete freedom. There is no penalty if you decide not to proceed.

What does a broker do in the event of a claim (fire, water damage, theft)?

Your broker defends your interests with the insurer. They guide you through the claim, check that your policy covers the damage, make sure that the compensation is fair and intervene if you are dissatisfied with the settlement. It is a valuable ally that the direct insurance agent cannot be, since he represents the company.

Can I change brokers during the course of the contract?

Yes, you can change brokers at any time. Your insurance contract is with the insurance company, not with the broker. You can hire a new broker to manage your existing policy or wait until renewal to shop for new offers.

Does the broker have access to all insurers in Quebec?

Not all of them, but the most important ones. Each brokerage firm has agreements with a number of insurers (usually between 10 and 40). At Assur360, our broker partners compare more than 30 insurers including Promutuel, Intact, Wawanesa, L’Unique, Aviva, Economical, and many others.

FREE QUOTE