{"id":19868,"date":"2025-05-10T11:32:58","date_gmt":"2025-05-10T15:32:58","guid":{"rendered":"https:\/\/www.assur360.ca\/business-insurance-3-minute-quote\/residential-and-commercial-moving-insurance-compare-a-quick-quote\/"},"modified":"2026-09-02T12:39:37","modified_gmt":"2026-09-02T16:39:37","slug":"residential-and-commercial-moving-insurance-compare-a-quick-quote","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/residential-and-commercial-moving-insurance-compare-a-quick-quote\/","title":{"rendered":"Residential and commercial moving insurance"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"InsuranceAgency\", \"name\": \"Assur360 \u2014 Assurance entreprise de d\u00e9m\u00e9nagement\", \"description\": \"Assurance pour entreprises de d\u00e9m\u00e9nagement au Qu\u00e9bec : RC transporteur, flotte camions, biens des clients, entreposage. Soumission gratuite en 2 minutes.\", \"url\": \"https:\/\/www.assur360.ca\/demenagement-residentiel-et-commercial\/\", \"telephone\": \"1-866-357-4451\", \"areaServed\": {\"@type\": \"Place\", \"name\": \"Qu\u00e9bec, Canada\"}}\n<\/script>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:60px 24px;text-align:center;border-radius:0 0 16px 16px;margin-bottom:40px;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 16px;\">MOVING<\/p>\n  <h2 style=\"color:#ffffff;font-size:32px;font-weight:800;margin:0 0 20px;line-height:1.3;\"><span class=\"ez-toc-section\" id=\"Moving-Company-Insurance\"><\/span>Moving Company Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 auto 32px;max-width:700px;line-height:1.6;\">Residential, commercial or industrial: a moving company accumulates risks. <strong>Fleet of trucks, customer belongings, carrier liability, storage<\/strong> \u2014 the brokers of our partner firms combine all the essential protections.<\/p>\n  <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-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<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:16px;max-width:1200px;margin:0 auto 40px;padding:0 24px;\">\n  <div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">Fleet<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Covered<\/div>\n  <\/div>\n<div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">Customer properties<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Full Value<\/div>\n  <\/div>\n<div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">RC $2M+<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Standard<\/div>\n  <\/div>\n<div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">AMF<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Certified brokers<\/div>\n  <\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\">A moving company transports <strong>its customers&#8217; most valuable belongings<\/strong> every day: furniture, electronics, artwork, commercial equipment, archives. A truck rollover, fire, theft, accidental breakage or a customer claim for loss of value can quickly reach tens of thousands of dollars. Insurance adapted to the moving sector combines carrier liability, commercial liability, car fleet, property and storage.  <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-6-Essential-Blankets-for-a-Mover\"><\/span>The 6 Essential Blankets for a Mover<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px;max-width:1200px;margin:24px auto;\">\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Carrier liability (cargo)<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Customer property in transit: loss, theft, damage, fire. Usual limit: $50,000 to $250,000 per load. <\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Commercial Fleet<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Trucks, vans, vans. Collision, civil liability, driver protection. <\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Commercial liability<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Damage to real estate (walls, floors), injury caused to a third party during the move.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Storage<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Customer property stored on your premises: theft, fire, water damage, vermin, humidity.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Company assets<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Material handling equipment, hand trucks, carts, tools, office furniture.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Business interruption<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Loss of revenue if your warehouse or trucks are immobilized following a disaster.<\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);border:2px solid #10c4c7;border-radius:12px;padding:32px;margin:40px auto;max-width:1200px;color:#ffffff;\">\n  <h3 style=\"color:#10c4c7;font-size:1.3rem;margin:0 0 16px;\">\ud83d\udca1 Broker&#8217;s advice<\/h3>\n  <p style=\"color:#e2e8f0;font-size:1rem;line-height:1.7;margin:0;\"><strong>Cargo liability<\/strong> is often confused with commercial liability. Both are necessary: cargo liability covers the goods <strong>entrusted to the carrier<\/strong>; Commercial liability covers damage caused to third parties (walls, stairwell, injuries). A policy that only contains commercial liability leaves customers&#8217; belongings uncovered \u2014 a $25,000 claim for a damaged piano would then come straight out of your pocket.  <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\" id=\"faq\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"max-width:1200px;margin:0 auto 40px;\">\n  <details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">How much does moving company insurance cost in Quebec?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">For a company of 2 to 5 trucks with a turnover of $500,000 to $1.5 million: between $6,000 and $18,000 per year in total premium (fleet + RC + cargo). Movers of artwork, concert pianos or medical equipment pay more because of the value of the goods being transported. <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">What RC limit do my business customers require?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Commercial contracts typically require a <strong>commercial liability of $2 million to $5 million<\/strong>. Institutional moves (government, hospitals, universities) often require $5 million to $10 million, plus the addition of the client as an additional insured. <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Are customers&#8217; belongings covered at their full value?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">By default, the Transportation Act provides for a <strong>basic allowance of $0.60\/pound\/item<\/strong> \u2014 often insufficient. We recommend <strong>full value protection which<\/strong> compensates for the replacement cost. This option increases the premium from 15% to 25%.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Are my temporary employees covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, through your liability insurance and CNESST coverage. Please note: <strong>self-employed workers hired by the day<\/strong> must have their own coverage or be declared to the CNESST. A check demonstrating non-compliance can result in fines and reduced coverage.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Am I covered if I move outside Quebec?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Most policies cover all of Canada by default. For moves <strong>to the United States<\/strong>, a &#8220;US trucking&#8221; endorsement is required (10 to 20% premium addition). International maritime moves require a separate marine cargo policy.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">What to do in the event of a complaint from a customer?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Document immediately: <strong>before\/after photos, signed inventory form, staff testimonials<\/strong>. Notify your broker within 48 hours. Do not sign any acknowledgements of liability before the insurer has made a decision. Informal settlements must be approved by the company.   <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Are weight training equipment, pianos and artwork covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, but often subject to <strong>sub-limits<\/strong> : $5,000 to $10,000 per item by default. For high-value items (concert piano, $25,000 > work of art, wine cellar), a <strong>declared value endorsement<\/strong> is required with invoice or appraisal. <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">My warehouse is rented \u2014 am I responsible for the stored goods?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes \u2014 you are the <strong>custodian<\/strong> of the property. In the event of fire, theft or water damage in the warehouse, your warehouseman&#8217;s legal liability policy takes care of compensating customers. Limits range from $100,000 to $1 million depending on the volume of storage.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Do I have to declare each move to my insurer?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">No, not individually \u2014 your policy is usually <strong>based on estimated annual revenue<\/strong>. An annual adjustment is made at the end of the year based on your actual income. However, <strong>exceptional loads<\/strong> (value> $500,000, moving valuable works of art) must be declared in advance.  <\/div>\n  <\/details>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Moving-companies-throughout-Quebec\"><\/span>Moving companies throughout Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"background:#f8fafc;border-radius:12px;padding:28px;margin:24px auto 40px;max-width:1200px;\">\n  <p style=\"color:#334155;font-size:1rem;line-height:1.7;margin:0 0 12px;\">Assur360 supports businesses throughout Quebec: <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Longueuil<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong> and <strong>Saguenay<\/strong>. The brokers of our partner firms serve residential and commercial movers of all sizes, from family businesses to fleets of 20+ trucks. We know the regional particularities: heavy traffic in Montreal, long trips in Abitibi, municipal requirements in Quebec City.  <\/p>\n  <p style=\"color:#334155;font-size:1rem;line-height:1.7;margin:0;\">100% online quote, free of charge, with comparison of several Canadian insurers.<\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Additional-Coverage-to-Consider\"><\/span>Additional Coverage to Consider<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:16px;max-width:1200px;margin:24px auto;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/trucking-insurance-2\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Trucking Insurance<\/div>\n  <\/a>\n<a href=\"\/assurance-entreposage-et-logistique\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Warehousing and logistics insurance<\/div>\n  <\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Commercial Assurance<\/div>\n  <\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Fleet Insurance<\/div>\n  <\/a>\n<\/div>\n\n<h3 class=\"wp-block-heading\">Official references<\/h3>\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/ctq.gouv.qc.ca\/\" rel=\"nofollow noopener\" target=\"_blank\">Commission des transports du Qu\u00e9bec<\/a><\/li>\n<li><a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assurances\/\" rel=\"nofollow noopener\" target=\"_blank\">Autorit\u00e9 des march\u00e9s financiers<\/a><\/li>\n<li><a href=\"https:\/\/www.ibc.ca\/fr\/assurance-des-entreprises\" rel=\"nofollow noopener\" target=\"_blank\">Insurance Bureau of Canada (Business)<\/a><\/li><\/ul>\n\n<div style=\"background:#f0fdfa;border:2px solid #10c4c7;border-radius:12px;padding:30px;margin:40px auto;max-width:1200px;\">\n  <h3 style=\"color:#0d1f2d;font-size:1.15rem;margin:0 0 16px;\">\ud83d\udee1 Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:16px;\">\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">AMF<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Certified brokers<\/div>\n    <\/div>\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">Insurance Chamber<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Insurance Chamber<\/div>\n    <\/div>\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">100K+<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Submissions processed<\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:48px 24px;text-align:center;max-width:1200px;margin:0 auto 40px;border-radius:16px;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 12px;\">COMPARE AND SAVE<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;font-weight:800;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Get-your-free-quote\"><\/span>Get your free quote<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 0 28px;\">The brokers of our AMF-certified partner firms compare several insurers to find you the best coverage.<\/p>\n  <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-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<script type=\"application\/ld+json\">\n{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Combien co\u00fbte une assurance pour entreprise de d\u00e9m\u00e9nagement au Qu\u00e9bec ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Pour une entreprise de 2 \u00e0 5 camions avec un CA de 500 000 $ \u00e0 1,5 M$ : entre 6 000 $ et 18 000 $ par ann\u00e9e en prime totale (flotte + RC + cargo). Les d\u00e9m\u00e9nageurs d'\u0153uvres d'art, de pianos de concert ou d'\u00e9quipement m\u00e9dical paient davantage en raison de la valeur des biens transport\u00e9s.\"}}, {\"@type\": \"Question\", \"name\": \"Quelle limite de RC mes clients commerciaux exigent-ils ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Les contrats commerciaux exigent g\u00e9n\u00e9ralement une <strong>RC commerciale de 2 M$ \u00e0 5 M$. Les d\u00e9m\u00e9nagements institutionnels (gouvernement, h\u00f4pitaux, universit\u00e9s) demandent souvent 5 M$ \u00e0 10 M$, plus l'ajout du donneur d'ordre comme additional insured.\"}}, {\"@type\": \"Question\", \"name\": \"Les biens des clients sont-ils couverts \u00e0 leur pleine valeur ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Par d\u00e9faut, la loi sur les transports pr\u00e9voit une <\/strong><strong>indemnit\u00e9 de base de 0,60 $\/livre\/article \u2014 souvent insuffisante. Nous recommandons la <\/strong><strong>couverture pleine valeur (full value protection) qui indemnise au co\u00fbt de remplacement. Cette option augmente la prime de 15 \u00e0 25 %.\"}}, {\"@type\": \"Question\", \"name\": \"Mes employ\u00e9s temporaires sont-ils couverts ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, via votre assurance RC et votre couverture CNESST. Attention : les <\/strong><strong>travailleurs autonomes embauch\u00e9s \u00e0 la journ\u00e9e doivent avoir leur propre couverture ou \u00eatre d\u00e9clar\u00e9s \u00e0 la CNESST. Un contr\u00f4le d\u00e9montrant le non-respect peut entra\u00eener des amendes et une r\u00e9duction de couverture.\"}}, {\"@type\": \"Question\", \"name\": \"Suis-je couvert si je d\u00e9m\u00e9nage hors du Qu\u00e9bec ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"La plupart des polices couvrent tout le Canada par d\u00e9faut. Pour les d\u00e9m\u00e9nagements <\/strong><strong>vers les \u00c9tats-Unis, un avenant \u00ab US trucking \u00bb est requis (ajout de 10 \u00e0 20 % de prime). Les d\u00e9m\u00e9nagements internationaux maritimes n\u00e9cessitent une police cargo maritime distincte.\"}}, {\"@type\": \"Question\", \"name\": \"Que faire en cas de r\u00e9clamation d'un client ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Documentez imm\u00e9diatement : <\/strong><strong>photos avant\/apr\u00e8s, formulaire d'inventaire sign\u00e9, t\u00e9moignages du personnel. Avisez votre courtier dans les 48 h. Ne signez aucune reconnaissance de responsabilit\u00e9 avant la d\u00e9cision de l'assureur. Les r\u00e8glements \u00e0 l'amiable doivent \u00eatre approuv\u00e9s par la compagnie.\"}}, {\"@type\": \"Question\", \"name\": \"Les \u00e9quipements de musculation, pianos et \u0153uvres d'art sont-ils couverts ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, mais souvent soumis \u00e0 des <\/strong><strong>sous-limites : 5 000 $ \u00e0 10 000 $ par article par d\u00e9faut. Pour des biens de grande valeur (piano de concert, \u0153uvre d'art > 25 000 $, cave \u00e0 vin), un <\/strong><strong>avenant valeur d\u00e9clar\u00e9e est requis avec facture ou \u00e9valuation.\"}}, {\"@type\": \"Question\", \"name\": \"Mon entrep\u00f4t est lou\u00e9 \u2014 suis-je responsable des biens entrepos\u00e9s ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui \u2014 vous \u00eates <\/strong><strong>d\u00e9positaire des biens. En cas de feu, vol ou d\u00e9g\u00e2t d'eau dans l'entrep\u00f4t, votre police d'entreposage (warehouseman's legal liability) prend en charge l'indemnisation des clients. Les limites varient de 100 000 $ \u00e0 1 M$ selon le volume d'entreposage.\"}}, {\"@type\": \"Question\", \"name\": \"Dois-je d\u00e9clarer chaque d\u00e9m\u00e9nagement \u00e0 mon assureur ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Non, pas individuellement \u2014 votre police est g\u00e9n\u00e9ralement <\/strong><strong>bas\u00e9e sur le chiffre d'affaires annuel estim\u00e9. Un ajustement annuel est effectu\u00e9 en fin d'ann\u00e9e selon vos revenus r\u00e9els. 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