{"id":15663,"date":"2023-03-13T09:29:05","date_gmt":"2023-03-13T13:29:05","guid":{"rendered":"https:\/\/www.assur360.ca\/insurance-broker-get-a-quick-quote\/"},"modified":"2026-04-20T15:24:57","modified_gmt":"2026-04-20T19:24:57","slug":"insurance-broker-get-a-quick-quote","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/insurance-broker-get-a-quick-quote\/","title":{"rendered":"Insurance broker: Get a quick quote"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<div style=\"display:flex;align-items:center;gap:40px;margin:40px 0 56px;background:linear-gradient(145deg,#f8fafc,#f0f9ff);border-radius:20px;padding:40px;border:1px solid #e2e8f0;flex-wrap:wrap;\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/courtier-assurance-amf.jpg\" alt=\"AMF Certified Insurance Broker \u2014 Assur360\" style=\"width:45%;max-width:420px;border-radius:16px;flex-shrink:0;height:auto;\" loading=\"lazy\"\/>\n  <div style=\"flex:1;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">IN BRIEF<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;font-family:'Sora',sans-serif;\"><span class=\"ez-toc-section\" id=\"The-role-of-the-independent-insurance-broker\"><\/span>The role of the independent insurance broker<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\">An <strong>insurance broker<\/strong> is an <strong>AMF (Autorit\u00e9 des march\u00e9s financiers)<\/strong> certified professional who represents <strong>your interests<\/strong>, not those of an insurer. He shops for you with several companies. <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Difference vs agent:<\/strong> an agent represents ONE company. A broker compares 5 to 15 companies to identify the best price\/protection combination based on your unique profile. <\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:80px 24px 60px;text-align:center;border-radius:0 0 24px 24px;margin-bottom:0;\">\n<p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 16px\">DAMAGE INSURANCE BROKER<\/p>\n<h2 style=\"color:#ffffff;font-size:clamp(28px,5vw,44px);font-weight:800;margin:0 0 20px;line-height:1.15;max-width:900px;margin-left:auto;margin-right:auto;\"><span class=\"ez-toc-section\" id=\"Compare-the-best-insurance-brokers-in-Quebec\"><\/span>Compare the best insurance brokers in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"color:#94a3b8;font-size:18px;line-height:1.6;margin:0 auto 36px;max-width:700px;\">An independent broker compares offers from <strong style=\"color:#ffffff\">9+ insurers<\/strong> for you. Get the best protection at the best price \u2014 100% free, no commitment. <\/p>\n<div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap\">\n<a href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:16px 36px;border-radius:8px;text-decoration:none;font-weight:700;font-size:17px;transition:transform .2s\">Get my free<\/a>\n quote<a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;text-decoration:none;font-weight:700;font-size:17px;border:2px solid rgba(255,255,255,.3);transition:border-color .2s\">\ud83d\udcde 1-866-357-4451<\/a>\n<\/div>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;max-width:1200px;margin:-30px auto 40px;padding:0 16px;\">\n<div style=\"background:#ffffff;padding:28px 16px;text-align:center;border-radius:12px 0 0 12px;box-shadow:0 4px 24px rgba(0,0,0,.08);\">\n<div style=\"font-size:32px;font-weight:800;color:#10c4c7;margin-bottom:4px\">9+<\/div>\n<div style=\"font-size:13px;color:#64748b;font-weight:500\">Insurers Compared<\/div>\n<\/div>\n<div style=\"background:#ffffff;padding:28px 16px;text-align:center;box-shadow:0 4px 24px rgba(0,0,0,.08);\">\n<div style=\"font-size:32px;font-weight:800;color:#10c4c7;margin-bottom:4px\">$650<\/div>\n<div style=\"font-size:13px;color:#64748b;font-weight:500\">Average Savings\/Year<\/div>\n<\/div>\n<div style=\"background:#ffffff;padding:28px 16px;text-align:center;box-shadow:0 4px 24px rgba(0,0,0,.08);\">\n<div style=\"font-size:32px;font-weight:800;color:#10c4c7;margin-bottom:4px\">100 %<\/div>\n<div style=\"font-size:13px;color:#64748b;font-weight:500\">Free for you<\/div>\n<\/div>\n<div style=\"background:#ffffff;padding:28px 16px;text-align:center;border-radius:0 12px 12px 0;box-shadow:0 4px 24px rgba(0,0,0,.08);\">\n<div style=\"font-size:32px;font-weight:800;color:#10c4c7;margin-bottom:4px\">2 min<\/div>\n<div style=\"font-size:13px;color:#64748b;font-weight:500\">For your quote<\/div>\n<\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-is-a-damage-insurance-broker\"><\/span>What is a damage insurance broker?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155;max-width:900px;\">A <strong>damage insurance broker<\/strong> is a professional certified by <a href=\"https:\/\/chad.ca\/protection-du-public\/les-professionnels-de-lassurance-de-dommages\/\" target=\"_blank\" rel=\"noopener\">the Chambre de l&#8217;assurance de dommages (ChAD)<\/a> and registered with the <a href=\"https:\/\/lautorite.qc.ca\/grand-public\/registres\/registre-des-entreprises-et-des-individus-autorises-a-exercer\" target=\"_blank\" rel=\"noopener\">Autorit\u00e9 des march\u00e9s financiers (AMF).<\/a> Unlike an agent who represents a single insurer, the broker acts <strong>in your exclusive interest<\/strong>. He analyzes your situation, shops for offers from several companies and negotiates the best protection at the best price \u2014 all <strong>at no cost to you<\/strong>.  <\/p>\n<p style=\"font-size:17px;line-height:1.8;color:#334155;max-width:900px;\">In Quebec, more than <strong>4,200 damage insurance brokers<\/strong> are active. They must adhere to a <a href=\"https:\/\/chad.ca\/protection-du-public\/droits-obligations-et-recours\/\" target=\"_blank\" rel=\"noopener\">strict code of ethics<\/a>, maintain continuing education and have professional liability insurance protecting consumers up to <strong>$200,000<\/strong> through the <a href=\"https:\/\/chad.ca\/protection-du-public\/fonds-dindemnisation-des-services-financiers\/\" target=\"_blank\" rel=\"noopener\">Financial Services Indemnity Fund<\/a>. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Broker-vs-Agent-vs-Direct-Insurer-Whats-the-Difference\"><\/span>Broker vs. Agent vs. Direct Insurer: What&#8217;s the Difference?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-size:16px;line-height:1.7;color:#334155;max-width:900px;margin-bottom:24px;\">Many Quebecers confuse these three options. Here is a <strong>comparison chart<\/strong> to understand the fundamental differences: <\/p>\n<div style=\"max-width:900px;overflow-x:auto;margin-bottom:32px;\">\n<table style=\"width:100%;border-collapse:collapse;font-size:15px;\">\n<thead>\n<tr style=\"background:#0d1f2d;color:#ffffff;\">\n<th style=\"padding:14px 16px;text-align:left;font-weight:700;\">Criterion<\/th>\n<th style=\"padding:14px 16px;text-align:center;font-weight:700;\">\ud83c\udfc6 Broker<\/th>\n<th style=\"padding:14px 16px;text-align:center;font-weight:700;\">Agent<\/th>\n<th style=\"padding:14px 16px;text-align:center;font-weight:700;\">Direct Insurer<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:12px 16px;font-weight:600;color:#0d1f2d;border-bottom:1px solid #e2e8f0;\">Who represents?<\/td>\n<td style=\"padding:12px 16px;text-align:center;color:#10c4c7;font-weight:700;border-bottom:1px solid #e2e8f0;\">You, the customer<\/td>\n<td style=\"padding:12px 16px;text-align:center;color:#334155;border-bottom:1px solid #e2e8f0;\">The insurer<\/td>\n<td style=\"padding:12px 16px;text-align:center;color:#334155;border-bottom:1px solid #e2e8f0;\">Himself<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:12px 16px;font-weight:600;color:#0d1f2d;border-bottom:1px solid #e2e8f0;\">Number of insurers<\/td>\n<td style=\"padding:12px 16px;text-align:center;color:#10c4c7;font-weight:700;border-bottom:1px solid #e2e8f0;\">30+ companies<\/td>\n<td style=\"padding:12px 16px;text-align:center;color:#334155;border-bottom:1px solid #e2e8f0;\">1 single<\/td>\n<td style=\"padding:12px 16px;text-align:center;color:#334155;border-bottom:1px solid #e2e8f0;\">1 single<\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:12px 16px;font-weight:600;color:#0d1f2d;border-bottom:1px solid #e2e8f0;\">Independent<\/td>\n Consulting<td style=\"padding:12px 16px;text-align:center;border-bottom:1px solid #e2e8f0;\">\u2705 Objective<\/td>\n<td style=\"padding:12px 16px;text-align:center;border-bottom:1px solid #e2e8f0;\">\u26a0\ufe0f Limited<\/td>\n<td style=\"padding:12px 16px;text-align:center;border-bottom:1px solid #e2e8f0;\">\u274c Home<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:12px 16px;font-weight:600;color:#0d1f2d;border-bottom:1px solid #e2e8f0;\">Disaster<\/td>\n support<td style=\"padding:12px 16px;text-align:center;border-bottom:1px solid #e2e8f0;\">\u2705 By your side<\/td>\n<td style=\"padding:12px 16px;text-align:center;border-bottom:1px solid #e2e8f0;\">\u26a0\ufe0f Partial<\/td>\n<td style=\"padding:12px 16px;text-align:center;border-bottom:1px solid #e2e8f0;\">\u274c Judge and party<\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:12px 16px;font-weight:600;color:#0d1f2d;border-bottom:1px solid #e2e8f0;\">Cost to you<\/td>\n<td style=\"padding:12px 16px;text-align:center;color:#10c4c7;font-weight:700;border-bottom:1px solid #e2e8f0;\">$0 (free)<\/td>\n<td style=\"padding:12px 16px;text-align:center;color:#334155;border-bottom:1px solid #e2e8f0;\">$<\/td>\n0<td style=\"padding:12px 16px;text-align:center;color:#334155;border-bottom:1px solid #e2e8f0;\">$0<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:12px 16px;font-weight:600;color:#0d1f2d;\">Price<\/td>\n negotiation<td style=\"padding:12px 16px;text-align:center;\">\u2705 Competitive bidding<\/td>\n<td style=\"padding:12px 16px;text-align:center;\">\u274c Imposed<\/td>\n price<td style=\"padding:12px 16px;text-align:center;\">\u274c Fixed rate<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p style=\"font-size:15px;color:#64748b;line-height:1.6;max-width:900px;\">Source: <a href=\"https:\/\/educaloi.qc.ca\/capsules\/lassurance-de-biens-et-dhabitation\/\" target=\"_blank\" rel=\"noopener\" style=\"color:#10c4c7;\">\u00c9ducaloi \u2013 Property and Home Insurance<\/a> | <a href=\"https:\/\/www.infoassurance.ca\/\" target=\"_blank\" rel=\"noopener\" style=\"color:#10c4c7;\">InfoAssurance.ca (LAC)<\/a><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"8-advantages-of-doing-business-with-an-insurance-broker\"><\/span>8 advantages of doing business with an insurance broker<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px;max-width:1200px;margin:0 auto 40px;\">\n\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:28px 24px;\">\n<div style=\"font-size:28px;margin-bottom:8px;\">\ud83d\udd0d<\/div>\n<h3 style=\"font-size:18px;font-weight:700;color:#0d1f2d;margin:0 0 10px;\">Access to 9+ insurers<\/h3>\n<p style=\"font-size:15px;color:#334155;line-height:1.6;margin:0;\">A broker compares the coverage of dozens of companies in a single process \u2014 something you can&#8217;t do alone.<\/p>\n<\/div>\n\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:28px 24px;\">\n<div style=\"font-size:28px;margin-bottom:8px;\">\ud83d\udcb0<\/div>\n<h3 style=\"font-size:18px;font-weight:700;color:#0d1f2d;margin:0 0 10px;\">Average savings of $650\/year<\/h3>\n<p style=\"font-size:15px;color:#334155;line-height:1.6;margin:0;\">By putting insurers in competition, your broker gets rates that you wouldn&#8217;t get by shopping alone.<\/p>\n<\/div>\n\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:28px 24px;\">\n<div style=\"font-size:28px;margin-bottom:8px;\">\ud83d\udee1\ufe0f<\/div>\n<h3 style=\"font-size:18px;font-weight:700;color:#0d1f2d;margin:0 0 10px;\">100% independent consulting<\/h3>\n<p style=\"font-size:15px;color:#334155;line-height:1.6;margin:0;\">No sales quota for a specific insurer. Its only objective: <strong>your best interest<\/strong>, guaranteed by its code of ethics. <\/p>\n<\/div>\n\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:28px 24px;\">\n<div style=\"font-size:28px;margin-bottom:8px;\">\ud83d\udccb<\/div>\n<h3 style=\"font-size:18px;font-weight:700;color:#0d1f2d;margin:0 0 10px;\">Comprehensive analysis of your needs<\/h3>\n<p style=\"font-size:15px;color:#334155;line-height:1.6;margin:0;\">It identifies the risks that you might forget: water damage, underinsurance, insufficient civil liability.<\/p>\n<\/div>\n\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:28px 24px;\">\n<div style=\"font-size:28px;margin-bottom:8px;\">\u26a1<\/div>\n<h3 style=\"font-size:18px;font-weight:700;color:#0d1f2d;margin:0 0 10px;\">Support in the event of a claim<\/h3>\n<p style=\"font-size:15px;color:#334155;line-height:1.6;margin:0;\">Your broker <strong>defends your interests<\/strong> against the insurer in the event of a claim \u2014 unlike the agent who represents the company.<\/p>\n<\/div>\n\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:28px 24px;\">\n<div style=\"font-size:28px;margin-bottom:8px;\">\ud83d\udd04<\/div>\n<h3 style=\"font-size:18px;font-weight:700;color:#0d1f2d;margin:0 0 10px;\">Renewal negotiated annually<\/h3>\n<p style=\"font-size:15px;color:#334155;line-height:1.6;margin:0;\">Your broker reassesses your coverage and renegotiates your premiums at each renewal to ensure you&#8217;re paying the right price.<\/p>\n<\/div>\n\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:28px 24px;\">\n<div style=\"font-size:28px;margin-bottom:8px;\">\ud83d\udcc4<\/div>\n<h3 style=\"font-size:18px;font-weight:700;color:#0d1f2d;margin:0 0 10px;\">Simplified paperwork<\/h3>\n<p style=\"font-size:15px;color:#334155;line-height:1.6;margin:0;\">The broker handles documents, endorsements, contract amendments, and communications with insurers for you.<\/p>\n<\/div>\n\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:28px 24px;\">\n<div style=\"font-size:28px;margin-bottom:8px;\">\ud83c\udfdb\ufe0f<\/div>\n<h3 style=\"font-size:18px;font-weight:700;color:#0d1f2d;margin:0 0 10px;\">Regulatory protection<\/h3>\n<p style=\"font-size:15px;color:#334155;line-height:1.6;margin:0;\">Supervised by the <strong>ChAD<\/strong> and the <strong>AMF<\/strong>, your broker is protected by the Indemnity Fund up to <strong>$200,000<\/strong> in the event of fault.<\/p>\n<\/div>\n\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-does-an-insurance-broker-work-4-simple-steps\"><\/span>How does an insurance broker work? 4 simple steps <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"max-width:800px;margin:0 auto 40px;\">\n\n<div style=\"display:flex;align-items:flex-start;gap:20px;margin-bottom:28px;\">\n<div style=\"flex-shrink:0;width:48px;height:48px;background:#10c4c7;border-radius:50%;display:flex;align-items:center;justify-content:center;color:#fff;font-weight:800;font-size:20px;\">1<\/div>\n<div>\n<h3 style=\"font-size:18px;font-weight:700;color:#0d1f2d;margin:0 0 8px;\">Fill out the online form (2 minutes)<\/h3>\n<p style=\"font-size:15px;color:#334155;line-height:1.6;margin:0;\">Include your type of insurance (car, home, business, recreational vehicle) and basic information. No payment required. <\/p>\n<\/div>\n<\/div>\n\n<div style=\"display:flex;align-items:flex-start;gap:20px;margin-bottom:28px;\">\n<div style=\"flex-shrink:0;width:48px;height:48px;background:#10c4c7;border-radius:50%;display:flex;align-items:center;justify-content:center;color:#fff;font-weight:800;font-size:20px;\">2<\/div>\n<div>\n<h3 style=\"font-size:18px;font-weight:700;color:#0d1f2d;margin:0 0 8px;\">A certified broker analyzes your file<\/h3>\n<p style=\"font-size:15px;color:#334155;line-height:1.6;margin:0;\">A professional registered with the AMF assesses your needs, identifies specific risks and prepares appropriate quotes.<\/p>\n<\/div>\n<\/div>\n\n<div style=\"display:flex;align-items:flex-start;gap:20px;margin-bottom:28px;\">\n<div style=\"flex-shrink:0;width:48px;height:48px;background:#10c4c7;border-radius:50%;display:flex;align-items:center;justify-content:center;color:#fff;font-weight:800;font-size:20px;\">3<\/div>\n<div>\n<h3 style=\"font-size:18px;font-weight:700;color:#0d1f2d;margin:0 0 8px;\">Compare offers from 9+ insurers<\/h3>\n<p style=\"font-size:15px;color:#334155;line-height:1.6;margin:0;\">Receive quotes that compare each insurer&#8217;s coverage, deductibles and premiums. Your broker explains the differences. <\/p>\n<\/div>\n<\/div>\n\n<div style=\"display:flex;align-items:flex-start;gap:20px;margin-bottom:28px;\">\n<div style=\"flex-shrink:0;width:48px;height:48px;background:#10c4c7;border-radius:50%;display:flex;align-items:center;justify-content:center;color:#fff;font-weight:800;font-size:20px;\">4<\/div>\n<div>\n<h3 style=\"font-size:18px;font-weight:700;color:#0d1f2d;margin:0 0 8px;\">Choose the best coverage \u2014 your broker takes care of the rest<\/h3>\n<p style=\"font-size:15px;color:#334155;line-height:1.6;margin:0;\">Select the plan that&#8217;s right for you. Your broker issues the policy, manages the documents, and remains available in the event of a claim or question. <\/p>\n<\/div>\n<\/div>\n\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-much-does-it-cost-to-work-as-an-insurance-broker\"><\/span>How much does it cost to work as an insurance broker?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"background:#f0fdfa;border:2px solid #10c4c7;border-radius:12px;padding:32px;max-width:900px;margin:0 0 32px;\">\n<h3 style=\"font-size:20px;font-weight:700;color:#0d1f2d;margin:0 0 16px;\">\ud83d\udca1 Good news: the broker is free for you<\/h3>\n<p style=\"font-size:16px;line-height:1.7;color:#334155;margin:0 0 16px;\">Property and casualty insurance brokers are compensated by <strong>commission from insurance companies<\/strong>, usually between 10% and 20% of your premium. This commission is <strong>already included in the price<\/strong> of your policy \u2014 whether you go through a broker or not. <\/p>\n<p style=\"font-size:16px;line-height:1.7;color:#334155;margin:0 0 16px;\">In other words, you pay the same price (and often cheaper thanks to the competitive bidding), but you also benefit from <strong>personalised advice<\/strong>, <strong>claims support<\/strong> and <strong>annual negotiation<\/strong> of your premiums.<\/p>\n<p style=\"font-size:15px;line-height:1.7;color:#64748b;margin:0;\">Some brokers may charge fees for specialized services (complex risk assessment, business expertise). These fees, which are regulated by the <a href=\"https:\/\/chad.ca\/protection-du-public\/droits-obligations-et-recours\/\" target=\"_blank\" rel=\"noopener\" style=\"color:#10c4c7;\">ChAD,<\/a> must be disclosed before the service. <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Our-brokered-insurance-specialties\"><\/span>Our brokered insurance specialties<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:16px;max-width:1200px;margin:0 auto 40px;\">\n\n<a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;padding:24px;text-decoration:none;transition:box-shadow .2s,border-color .2s;\">\n<h3 style=\"font-size:17px;font-weight:700;color:#0d1f2d;margin:0 0 8px;\">\ud83d\ude97 Car insurance<\/h3>\n<p style=\"font-size:14px;color:#334155;line-height:1.5;margin:0;\">Compare premiums from 9+ insurers for your personal or commercial vehicle.<\/p>\n<\/a>\n\n<a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;padding:24px;text-decoration:none;transition:box-shadow .2s,border-color .2s;\">\n<h3 style=\"font-size:17px;font-weight:700;color:#0d1f2d;margin:0 0 8px;\">\ud83c\udfe0 Home insurance<\/h3>\n<p style=\"font-size:14px;color:#334155;line-height:1.5;margin:0;\">Home, condo, tenant or cottage \u2014 find the best coverage at the best price.<\/p>\n<\/a>\n\n<a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;padding:24px;text-decoration:none;transition:box-shadow .2s,border-color .2s;\">\n<h3 style=\"font-size:17px;font-weight:700;color:#0d1f2d;margin:0 0 8px;\">\ud83c\udfe2 Business Insurance<\/h3>\n<p style=\"font-size:14px;color:#334155;line-height:1.5;margin:0;\">Civil liability, commercial property, business interruption for SMEs and self-employed workers.<\/p>\n<\/a>\n\n<a href=\"https:\/\/www.assur360.ca\/en\/recreational-vehicle-insurance-quote-2\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;padding:24px;text-decoration:none;transition:box-shadow .2s,border-color .2s;\">\n<h3 style=\"font-size:17px;font-weight:700;color:#0d1f2d;margin:0 0 8px;\">\ud83c\udfd5\ufe0f Recreational Vehicles<\/h3>\n<p style=\"font-size:14px;color:#334155;line-height:1.5;margin:0;\">RV, boat, motorcycle, snowmobile, quad \u2014 coverage suitable for seasonal use.<\/p>\n<\/a>\n\n<a href=\"https:\/\/www.assur360.ca\/en\/insurance-with-a-criminal-record\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;padding:24px;text-decoration:none;transition:box-shadow .2s,border-color .2s;\">\n<h3 style=\"font-size:17px;font-weight:700;color:#0d1f2d;margin:0 0 8px;\">\u2696\ufe0f Criminal Record \/ 2nd Chance<\/h3>\n<p style=\"font-size:14px;color:#334155;line-height:1.5;margin:0;\">Impaired driving, a criminal record or refusal \u2014 our specialized brokers find solutions.<\/p>\n<\/a>\n\n<a href=\"https:\/\/www.assur360.ca\/en\/cyber-insurance-for-businesses-in-quebec-protect-your-data-2026\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;padding:24px;text-decoration:none;transition:box-shadow .2s,border-color .2s;\">\n<h3 style=\"font-size:17px;font-weight:700;color:#0d1f2d;margin:0 0 8px;\">\ud83d\udd12 Cyber Insurance<\/h3>\n<p style=\"font-size:14px;color:#334155;line-height:1.5;margin:0;\">Protection against cyberattacks, data theft and ransomware for Quebec businesses.<\/p>\n<\/a>\n\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-choose-the-right-insurance-broker-in-Quebec\"><\/span>How to choose the right insurance broker in Quebec?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-size:16px;line-height:1.7;color:#334155;max-width:900px;margin-bottom:16px;\">To choose a reliable broker, check these 5 essential criteria:<\/p>\n<ol style=\"font-size:16px;line-height:1.8;color:#334155;max-width:900px;margin-bottom:16px;padding-left:20px;\">\n<li><strong>AMF registration<\/strong> \u2014 Check your certificate number on the <a href=\"https:\/\/lautorite.qc.ca\/grand-public\/registres\/registre-des-entreprises-et-des-individus-autorises-a-exercer\" target=\"_blank\" rel=\"noopener\" style=\"color:#10c4c7;\">AMF register<\/a><\/li>\n<li><strong>Number of partner insurers<\/strong> \u2014 The more they have, the more rates they can compare for you<\/li>\n<li><strong>Specialization<\/strong> \u2014 Some brokers excel in <a href=\"https:\/\/www.assur360.ca\/en\/insurance-broker-get-a-quick-quote\/business-insurance-broker-get-a-quote\/\">business insurance<\/a>, others in <a href=\"https:\/\/www.assur360.ca\/en\/insurance-broker-get-a-quick-quote\/car-insurance-broker-comparator\/\">auto<\/a> or <a href=\"https:\/\/www.assur360.ca\/en\/insurance-broker-get-a-quick-quote\/recreational-vehicle-insurance-broker\/\">recreational vehicles<\/a><\/li>\n<li><strong>Customer Reviews<\/strong> \u2014 Check Google Ratings and Ask for References<\/li>\n<li><strong>Availability<\/strong> \u2014 A good broker responds quickly and supports you during claims<\/li>\n<\/ol>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Insurance-brokers-by-region-of-Quebec\"><\/span>Insurance brokers by region of Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-size:16px;line-height:1.7;color:#334155;max-width:900px;margin-bottom:20px;\">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: <\/p>\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:12px;max-width:900px;margin-bottom:32px;\">\n\n<a href=\"\/assurance-auto\/montreal\/\" style=\"display:flex;align-items:center;gap:10px;padding:14px 18px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;text-decoration:none;font-weight:600;color:#0d1f2d;font-size:15px;\">\ud83d\udccd <strong>Montreal<\/strong> and Laval<\/a>\n\n<a href=\"\/assurance-auto\/quebec\/\" style=\"display:flex;align-items:center;gap:10px;padding:14px 18px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;text-decoration:none;font-weight:600;color:#0d1f2d;font-size:15px;\">\ud83d\udccd <strong>Quebec City<\/strong> and L\u00e9vis<\/a>\n\n<a href=\"\/assurance-auto\/gatineau\/\" style=\"display:flex;align-items:center;gap:10px;padding:14px 18px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;text-decoration:none;font-weight:600;color:#0d1f2d;font-size:15px;\">\ud83d\udccd <strong>Gatineau<\/strong> and Outaouais<\/a>\n\n<a href=\"\/assurance-auto\/sherbrooke\/\" style=\"display:flex;align-items:center;gap:10px;padding:14px 18px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;text-decoration:none;font-weight:600;color:#0d1f2d;font-size:15px;\">\ud83d\udccd <strong>Sherbrooke<\/strong> and Estrie<\/a>\n\n<a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-trois-rivieres\/\" style=\"display:flex;align-items:center;gap:10px;padding:14px 18px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;text-decoration:none;font-weight:600;color:#0d1f2d;font-size:15px;\">\ud83d\udccd <strong>Trois-Rivi\u00e8res<\/strong> and Mauricie<\/a>\n\n<a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-in-saguenay-quote-in-3-minutes\/\" style=\"display:flex;align-items:center;gap:10px;padding:14px 18px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;text-decoration:none;font-weight:600;color:#0d1f2d;font-size:15px;\">\ud83d\udccd <strong>Saguenay<\/strong> and Lac-Saint-Jean<\/a>\n\n<a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-longueuil\/\" style=\"display:flex;align-items:center;gap:10px;padding:14px 18px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;text-decoration:none;font-weight:600;color:#0d1f2d;font-size:15px;\">\ud83d\udccd <strong>Longueuil<\/strong> and South Shore<\/a>\n\n<a href=\"https:\/\/www.assur360.ca\/en\/insurance-broker-thetford-mines-2\/\" style=\"display:flex;align-items:center;gap:10px;padding:14px 18px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;text-decoration:none;font-weight:600;color:#0d1f2d;font-size:15px;\">\ud83d\udccd <strong>Thetford Mines<\/strong> and Chaudi\u00e8re-Appalaches<\/a>\n\n<a href=\"\/assurance-auto\/drummondville\/\" style=\"display:flex;align-items:center;gap:10px;padding:14px 18px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;text-decoration:none;font-weight:600;color:#0d1f2d;font-size:15px;\">\ud83d\udccd <strong>Drummondville<\/strong> and Centre-du-Qu\u00e9bec<\/a>\n\n<a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/car-insurance-rimouski\/\" style=\"display:flex;align-items:center;gap:10px;padding:14px 18px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;text-decoration:none;font-weight:600;color:#0d1f2d;font-size:15px;\">\ud83d\udccd <strong>Rimouski<\/strong> and Bas-Saint-Laurent<\/a>\n\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Specialties-of-damage-insurance-brokers-in-Quebec\"><\/span>Specialties of damage insurance brokers in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"max-width:1000px;overflow-x:auto;margin-bottom:32px;\">\n<table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n<thead>\n<tr style=\"background:#0d1f2d;color:#ffffff;\">\n<th style=\"padding:12px 14px;text-align:left;font-weight:700;\">Specialty:<\/th>\n<th style=\"padding:12px 14px;text-align:left;font-weight:700;\">Clientele<\/th>\n<th style=\"padding:12px 14px;text-align:left;font-weight:700;\">Key<\/th>\n Protections<th style=\"padding:12px 14px;text-align:left;font-weight:700;\">Detail page<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:10px 14px;font-weight:600;color:#0d1f2d;border-bottom:1px solid #e2e8f0;\">Car<\/td>\n insurance<td style=\"padding:10px 14px;color:#334155;border-bottom:1px solid #e2e8f0;\">Individuals, companies<\/td>\n<td style=\"padding:10px 14px;color:#334155;border-bottom:1px solid #e2e8f0;\">RC, Collision, All Perils, Specified<\/td>\n Perils<td style=\"padding:10px 14px;border-bottom:1px solid #e2e8f0;\"><a href=\"https:\/\/www.assur360.ca\/en\/insurance-broker-get-a-quick-quote\/car-insurance-broker-comparator\/\" style=\"color:#10c4c7;font-weight:600;\">Car Broker \u2192<\/a><\/td>\n<\/tr>\n<tr>\n<td style=\"padding:10px 14px;font-weight:600;color:#0d1f2d;border-bottom:1px solid #e2e8f0;\">Home<\/td>\n insurance<td style=\"padding:10px 14px;color:#334155;border-bottom:1px solid #e2e8f0;\">Owners, tenants, co-owners<\/td>\n<td style=\"padding:10px 14px;color:#334155;border-bottom:1px solid #e2e8f0;\">Building, property, RC, replacement cost, water<\/td>\n damage<td style=\"padding:10px 14px;border-bottom:1px solid #e2e8f0;\"><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/\" style=\"color:#10c4c7;font-weight:600;\">Housing \u2192<\/a><\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:10px 14px;font-weight:600;color:#0d1f2d;border-bottom:1px solid #e2e8f0;\">Business<\/td>\n Insurance<td style=\"padding:10px 14px;color:#334155;border-bottom:1px solid #e2e8f0;\">SMEs, businesses, self-employed<\/td>\n workers<td style=\"padding:10px 14px;color:#334155;border-bottom:1px solid #e2e8f0;\">Business property, RCI, business<\/td>\n interruption<td style=\"padding:10px 14px;border-bottom:1px solid #e2e8f0;\"><a href=\"https:\/\/www.assur360.ca\/en\/insurance-broker-get-a-quick-quote\/business-insurance-broker-get-a-quote\/\" style=\"color:#10c4c7;font-weight:600;\">\u2192 Business Broker<\/a><\/td>\n<\/tr>\n<tr>\n<td style=\"padding:10px 14px;font-weight:600;color:#0d1f2d;border-bottom:1px solid #e2e8f0;\">Recreational<\/td>\n Vehicles<td style=\"padding:10px 14px;color:#334155;border-bottom:1px solid #e2e8f0;\">RV, boat, motorcycle, snowmobile, quad<\/td>\n<td style=\"padding:10px 14px;color:#334155;border-bottom:1px solid #e2e8f0;\">Damage, theft, liability, roadside<\/td>\n assistance<td style=\"padding:10px 14px;border-bottom:1px solid #e2e8f0;\"><a href=\"https:\/\/www.assur360.ca\/en\/insurance-broker-get-a-quick-quote\/recreational-vehicle-insurance-broker\/\" style=\"color:#10c4c7;font-weight:600;\">VR Broker \u2192<\/a><\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:10px 14px;font-weight:600;color:#0d1f2d;border-bottom:1px solid #e2e8f0;\">Agricultural<\/td>\n Insurance<td style=\"padding:10px 14px;color:#334155;border-bottom:1px solid #e2e8f0;\">Farm operators, family<\/td>\n farms<td style=\"padding:10px 14px;color:#334155;border-bottom:1px solid #e2e8f0;\">Buildings, machinery, livestock, RC<\/td>\n<td style=\"padding:10px 14px;border-bottom:1px solid #e2e8f0;\"><a href=\"https:\/\/www.assur360.ca\/en\/agricultural-insurance-online-quote\/\" style=\"color:#10c4c7;font-weight:600;\">Agricultural \u2192<\/a><\/td>\n<\/tr>\n<tr>\n<td style=\"padding:10px 14px;font-weight:600;color:#0d1f2d;border-bottom:1px solid #e2e8f0;\">Professional<\/td>\n Liability<td style=\"padding:10px 14px;color:#334155;border-bottom:1px solid #e2e8f0;\">Consultants, professionals, contractors<\/td>\n<td style=\"padding:10px 14px;color:#334155;border-bottom:1px solid #e2e8f0;\">Errors and omissions, legal protection, cyber<\/td>\n<td style=\"padding:10px 14px;border-bottom:1px solid #e2e8f0;\"><a href=\"https:\/\/www.assur360.ca\/en\/special-risks-business-insurance\/\" style=\"color:#10c4c7;font-weight:600;\">Special Risks\u2192<\/a><\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:10px 14px;font-weight:600;color:#0d1f2d;border-bottom:1px solid #e2e8f0;\">Condominium (condo)<\/td>\n<td style=\"padding:10px 14px;color:#334155;border-bottom:1px solid #e2e8f0;\">Unions, unit<\/td>\n owners<td style=\"padding:10px 14px;color:#334155;border-bottom:1px solid #e2e8f0;\">Common portion, private unit, RC, deductible syndicate<\/td>\n<td style=\"padding:10px 14px;border-bottom:1px solid #e2e8f0;\"><a href=\"https:\/\/www.assur360.ca\/en\/condo-insurance-quick-quote\/\" style=\"color:#10c4c7;font-weight:600;\">Condo \u2192<\/a><\/td>\n<\/tr>\n<tr>\n<td style=\"padding:10px 14px;font-weight:600;color:#0d1f2d;\">High Value \/ Specialized<\/td>\n<td style=\"padding:10px 14px;color:#334155;\">Luxury Properties, Collections, Exotic<\/td>\n Vehicles<td style=\"padding:10px 14px;color:#334155;\">Tailor-made protection, agreed value, expert<\/td>\n valuation<td style=\"padding:10px 14px;\"><a href=\"https:\/\/www.assur360.ca\/en\/non-standard-home-insurance-2\/\" style=\"color:#10c4c7;font-weight:600;\">Non-standard\u2192<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);border:2px solid #10c4c7;border-radius:12px;padding:32px;max-width:900px;margin:0 auto 40px;\">\n<h3 style=\"color:#10c4c7;font-size:18px;font-weight:700;margin:0 0 16px;\">\ud83d\udca1 Expert Tip \u2014 When should you contact a broker?<\/h3>\n<p style=\"color:#e2e8f0;font-size:16px;line-height:1.7;margin:0 0 12px;\">Contact an insurance broker <strong style=\"color:#ffffff\">30 days before the end of your current contract<\/strong>. This gives them time to shop around for the best rates without putting you in an auto-renewal situation. <\/p>\n<p style=\"color:#e2e8f0;font-size:16px;line-height:1.7;margin:0;\">You should also consult a broker if: you&#8217;re buying your <strong style=\"color:#ffffff\">first home<\/strong>, starting a <strong style=\"color:#ffffff\">business<\/strong>, your premium has <strong style=\"color:#ffffff\">increased by more than 15%<\/strong> at renewal, or you&#8217;ve suffered a <strong style=\"color:#ffffff\">recent loss<\/strong> (water damage, theft, fire).<\/p>\n<\/div>\n\n<div style=\"background:#f0fdfa;border-radius:12px;padding:40px 32px;max-width:900px;margin:0 auto 40px;\">\n<h2 style=\"font-size:22px;font-weight:700;color:#0d1f2d;margin:0 0 24px;text-align:center;\"><span class=\"ez-toc-section\" id=\"Why-trust-Assur360\"><\/span>Why trust Assur360?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:24px;\">\n<div style=\"text-align:center;\">\n<div style=\"font-size:28px;margin-bottom:8px;\">\u2705<\/div>\n<div style=\"font-weight:700;color:#0d1f2d;margin-bottom:4px;\">AMF certified<\/div>\n<div style=\"font-size:14px;color:#64748b;\">Registered with the Autorit\u00e9 des march\u00e9s financiers<\/div>\n<\/div>\n<div style=\"text-align:center;\">\n<div style=\"font-size:28px;margin-bottom:8px;\">\u2705<\/div>\n<div style=\"font-weight:700;color:#0d1f2d;margin-bottom:4px;\">ChAD Member<\/div>\n<div style=\"font-size:14px;color:#64748b;\">Chambre de l&#8217;assurance de dommages du Qu\u00e9bec<\/div>\n<\/div>\n<div style=\"text-align:center;\">\n<div style=\"font-size:28px;margin-bottom:8px;\">\u2705<\/div>\n<div style=\"font-weight:700;color:#0d1f2d;margin-bottom:4px;\">100,000+ Submissions<\/div>\n<div style=\"font-size:14px;color:#64748b;\">Thousands of Quebecers trust us every year<\/div>\n<\/div>\n<div style=\"text-align:center;\">\n<div style=\"font-size:28px;margin-bottom:8px;\">\u2705<\/div>\n<div style=\"font-weight:700;color:#0d1f2d;margin-bottom:4px;\">9+ insurers<\/div>\n<div style=\"font-size:14px;color:#64748b;\">Promutuel, Intact, Wawanesa, L&#8217;Unique, Aviva and more<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-%E2%80%94-Insurance-Broker-in-Quebec\"><\/span>Frequently Asked Questions \u2014 Insurance Broker in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"max-width:900px;margin:0 0 40px;\">\n\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n<summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Why do business with a broker rather than a direct insurer?<\/summary>\n<div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;text-align:left;\">The broker works <strong>in your exclusive interest<\/strong>, not the insurer&#8217;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.   <\/div>\n<\/details>\n\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n<summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How much does a damage insurance broker cost?<\/summary>\n<div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;text-align:left;\">The services of a broker are <strong>free for the consumer<\/strong>. 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 \u2014 whether you go through a broker or not. <\/div>\n<\/details>\n\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n<summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What is the difference between an insurance broker and an insurance agent?<\/summary>\n<div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;text-align:left;\">The <strong>agent<\/strong> represents a single insurance company and sells only its products. The <strong>broker<\/strong> 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.  <\/div>\n<\/details>\n\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n<summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How do I check if a broker is legitimate in Quebec?<\/summary>\n<div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;text-align:left;\">Consult <strong>the AMF<\/strong> (Autorit\u00e9 des march\u00e9s financiers) register online. All damage insurance brokers must be registered with a valid certificate number. You can also check his disciplinary record with the <strong>ChAD<\/strong> (Chambre de l&#8217;assurance de dommages).  <\/div>\n<\/details>\n\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n<summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What types of insurance can a broker offer?<\/summary>\n<div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;text-align:left;\">A damage insurance broker covers: <strong>auto<\/strong> (personal and commercial), <strong>home<\/strong> (house, condo, tenant, cottage), <strong>business<\/strong> (commercial, liability, business interruption), <strong>recreational vehicles<\/strong> (RV, boat, motorcycle, snowmobile, quad), <strong>agricultural<\/strong>, <strong>transportation\/trucking<\/strong> and <strong>specialized insurance<\/strong> (cyber, surety).<\/div>\n<\/details>\n\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n<summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How much can I save with a broker vs shop alone?<\/summary>\n<div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;text-align:left;\">On average, Quebecers save <strong>between $400 and $900 per year<\/strong> 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). <\/div>\n<\/details>\n\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n<summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Do I have to take the broker&#8217;s quote?<\/summary>\n<div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;text-align:left;\"><strong>No, no obligation.<\/strong>  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. <\/div>\n<\/details>\n\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n<summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What does a broker do in the event of a claim (fire, water damage, theft)?<\/summary>\n<div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;text-align:left;\">Your broker <strong>defends your interests<\/strong> 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.  <\/div>\n<\/details>\n\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n<summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can I change brokers during the course of the contract?<\/summary>\n<div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;text-align:left;\">Yes, you can <strong>change brokers at any time<\/strong>. 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.  <\/div>\n<\/details>\n\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n<summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Does the broker have access to all insurers in Quebec?<\/summary>\n<div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;text-align:left;\">Not all of them, but the <strong>most important<\/strong> ones. Each brokerage firm has agreements with a number of insurers (usually between 10 and 40). At Assur360, our broker partners compare more than <strong>30 insurers<\/strong> including Promutuel, Intact, Wawanesa, L&#8217;Unique, Aviva, Economical, and many others.  <\/div>\n<\/details>\n\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:60px 24px;text-align:center;max-width:1200px;margin:40px auto;border-radius:16px;\">\n<p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 12px\">FREE QUOTE<\/p>\n<h2 style=\"color:#ffffff;font-size:32px;font-weight:800;margin:0 0 16px\"><span class=\"ez-toc-section\" id=\"Find-the-perfect-broker-for-your-insurance\"><\/span>Find the perfect broker for your insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"color:#94a3b8;font-size:16px;margin:0 0 32px\">Compare offers from 9+ insurers for free with an AMF-certified broker. No strings attached.<\/p>\n<div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap\">\n<a href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px\">Get my free<\/a>\n quote<a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;border:2px solid #ffffff\">1-866-357-4451<\/a>\n<\/div>\n<\/div>\n\n<h3 class=\"wp-block-heading\">Helpful Resources<\/h3>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:16px;max-width:900px;margin:0 0 32px;\">\n\n<a href=\"https:\/\/www.assur360.ca\/en\/2026-car-insurance-guide-in-quebec-everything-you-need-to-know\/\" style=\"display:block;padding:18px 20px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;text-decoration:none;\">\n<div style=\"font-weight:700;color:#0d1f2d;margin-bottom:4px;\">\ud83d\udcd6 Car Insurance Guide 2026<\/div>\n<div style=\"font-size:14px;color:#64748b;\">Everything you need to know about car insurance in Quebec this year.<\/div>\n<\/a>\n\n<a href=\"https:\/\/www.assur360.ca\/en\/2026-home-insurance-guide-in-quebec\/\" style=\"display:block;padding:18px 20px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;text-decoration:none;\">\n<div style=\"font-weight:700;color:#0d1f2d;margin-bottom:4px;\">\ud83d\udcd6 Home insurance guide 2026<\/div>\n<div style=\"font-size:14px;color:#64748b;\">Coverage, prices and tips to protect your home or condo.<\/div>\n<\/a>\n\n<a href=\"https:\/\/www.assur360.ca\/en\/blog\/quote-online-comparator\/why-a-car-insurance-broker-2\/\" style=\"display:block;padding:18px 20px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;text-decoration:none;\">\n<div style=\"font-weight:700;color:#0d1f2d;margin-bottom:4px;\">\ud83d\ude97 Why a car insurance broker?<\/div>\n<div style=\"font-size:14px;color:#64748b;\">Discover the specific benefits for your vehicle.<\/div>\n<\/a>\n\n<a href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/home-insurance-broker\/\" style=\"display:block;padding:18px 20px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;text-decoration:none;\">\n<div style=\"font-weight:700;color:#0d1f2d;margin-bottom:4px;\">\ud83c\udfe0 Home insurance broker<\/div>\n<div style=\"font-size:14px;color:#64748b;\">Compare home brokers and find the best rate.<\/div>\n<\/a>\n\n<a href=\"https:\/\/www.assur360.ca\/en\/insurance-comparator-4\/\" style=\"display:block;padding:18px 20px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;text-decoration:none;\">\n<div style=\"font-weight:700;color:#0d1f2d;margin-bottom:4px;\">\u2696\ufe0f Insurance Comparator<\/div>\n<div style=\"font-size:14px;color:#64748b;\">Use our online comparison tool for all types of insurance.<\/div>\n<\/a>\n\n<a href=\"https:\/\/www.assur360.ca\/en\/disaster-emergency\/\" style=\"display:block;padding:18px 20px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;text-decoration:none;\">\n<div style=\"font-weight:700;color:#0d1f2d;margin-bottom:4px;\">\ud83d\udea8 Disaster Emergency<\/div>\n<div style=\"font-size:14px;color:#64748b;\">Fire, water damage, theft? Here&#8217;s what to do immediately. <\/div>\n<\/a>\n\n<\/div>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"InsuranceAgency\",\n  \"name\": \"Assur360\",\n  \"url\": \"https:\/\/www.assur360.ca\/courtier-assurance\/\",\n  \"telephone\": \"+1-866-357-4451\",\n  \"description\": \"Courtier en assurance de dommages au Qu\u00e9bec. Comparez les offres de 9+ assureurs pour auto, habitation, entreprise et v\u00e9hicules r\u00e9cr\u00e9atifs.\",\n  \"areaServed\": {\n    \"@type\": \"AdministrativeArea\",\n    \"name\": \"Qu\u00e9bec, Canada\"\n  },\n  \"knowsAbout\": [\"assurance automobile\", \"assurance habitation\", \"assurance entreprise\", \"assurance v\u00e9hicules r\u00e9cr\u00e9atifs\", \"assurance bateau\", \"assurance moto\"],\n  \"sameAs\": [\"https:\/\/www.assur360.ca\/\"]\n}<\/script>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"url\": \"https:\/\/www.assur360.ca\/courtier-assurance\/\",\n  \"@id\": \"https:\/\/www.assur360.ca\/courtier-assurance\/#faq\",\n  \"mainEntity\": [\n    {\"@type\": \"Question\", \"name\": \"Pourquoi faire affaire avec un courtier plut\u00f4t qu'un assureur direct?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Le courtier travaille dans votre int\u00e9r\u00eat exclusif, pas celui de l'assureur. 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Le courtier est ind\u00e9pendant : il repr\u00e9sente le client et peut magasiner parmi plusieurs assureurs pour trouver la meilleure offre. Les deux sont encadr\u00e9s par la ChAD et l'AMF au Qu\u00e9bec.\"}},\n    {\"@type\": \"Question\", \"name\": \"Comment v\u00e9rifier si un courtier est l\u00e9gitime au Qu\u00e9bec?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Consultez le registre de l'AMF (Autorit\u00e9 des march\u00e9s financiers) en ligne. Tout courtier en assurance de dommages doit y \u00eatre inscrit avec un num\u00e9ro de certificat valide. 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Il vous guide dans la d\u00e9claration du sinistre, v\u00e9rifie que votre police couvre bien les dommages, s'assure que l'indemnisation est juste et intervient si vous \u00eates insatisfait du r\u00e8glement.\"}},\n    {\"@type\": \"Question\", \"name\": \"Puis-je changer de courtier en cours de contrat?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, vous pouvez changer de courtier \u00e0 tout moment. Votre contrat d'assurance est avec la compagnie d'assurance, pas avec le courtier. Vous pouvez mandater un nouveau courtier pour g\u00e9rer votre police existante ou attendre le renouvellement.\"}},\n    {\"@type\": \"Question\", \"name\": \"Est-ce que le courtier a acc\u00e8s \u00e0 tous les assureurs au Qu\u00e9bec?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Pas tous, mais les plus importants. Chaque cabinet de courtage a des ententes avec un certain nombre d'assureurs (g\u00e9n\u00e9ralement entre 10 et 40). 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