{"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":"2026-06-26T02:36:09","modified_gmt":"2026-06-26T06:36:09","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 Moving Company Insurance\", \"description\": \"Insurance for moving companies in Quebec: carrier liability, truck fleet, customer belongings, warehousing. Free quote in 2 minutes.\", \"url\": \"https:\/\/www.assur360.ca\/demenagement-residentiel-et-commercial\/\", \"telephone\": \"1-866-357-4451\", \"areaServed\": {\"@type\": \"Place\", \"name\": \"Quebec, 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, warehousing<\/strong> \u2014 our brokers 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-Coverages-for-a-Mover\"><\/span>The 6 Essential Coverages 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 + liability + 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 liability 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>. Our brokers 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 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;\">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;\">Chamber of Insurance<\/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;\">Our AMF-certified brokers 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\": \"How much does insurance for a moving company cost in Quebec?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"For a company with 2 to 5 trucks and a revenue of $500,000 to $1.5 million: between $6,000 and $18,000 per year in total premium (fleet + liability + cargo). Movers of artwork, concert pianos, or medical equipment pay more due to the value of the goods transported.\"}}, {\"@type\": \"Question\", \"name\": \"What liability limit do my commercial clients require?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Commercial contracts generally require a <strong>commercial liability of $2 million to $5 million. Institutional moves (government, hospitals, universities) often require $5 million to $10 million, plus adding the client as additional insured.\"}}, {\"@type\": \"Question\", \"name\": \"Are clients' goods covered at their full value?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"By default, the transportation law provides a <\/strong><strong>basic indemnity of $0.60\/pound\/item \u2014 often insufficient. We recommend <\/strong><strong>full value protection which indemnifies at replacement cost. This option increases the premium by 15% to 25%.\"}}, {\"@type\": \"Question\", \"name\": \"Are my temporary employees covered?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes, through your liability insurance and your CNESST coverage. Note: <strong>self-employed workers hired daily must have their own coverage or be reported to the CNESST. A check demonstrating non-compliance may result in fines and reduced coverage.\"}}, {\"@type\": \"Question\", \"name\": \"Am I covered if I move outside of Quebec?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Most policies cover all of Canada by default. For moves <\/strong><strong>to the United States, a \\\"US trucking\\\" endorsement is required (adding 10% to 20% in premium). International maritime moves require a separate marine cargo policy.\"}}, {\"@type\": \"Question\", \"name\": \"What should I do in case of a client claim?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Document immediately: <\/strong><strong>before\/after photos, signed inventory form, staff testimonies. Notify your insurance broker within 48 hours. Do not sign any acknowledgment of liability before the insurer's decision. Settlements must be approved by the company.\"}}, {\"@type\": \"Question\", \"name\": \"Are weightlifting equipment, pianos, and artwork covered?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes, but often subject to <\/strong><strong>sub-limits: $5,000 to $10,000 per item by default. For high-value items (concert piano, artwork > $25,000, wine cellar), a <\/strong><strong>declared value endorsement is required with invoice or appraisal.\"}}, {\"@type\": \"Question\", \"name\": \"My warehouse is rented \u2014 am I responsible for stored goods?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes \u2014 you are <\/strong><strong>the custodian of the goods. In case of fire, theft, or water damage in the warehouse, your warehouseman's legal liability policy covers client indemnification. Limits vary from $100,000 to $1 million depending on storage volume.\"}}, {\"@type\": \"Question\", \"name\": \"Do I need to report each move to my insurer?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"No, not individually \u2014 your policy is generally <\/strong><strong>based on the estimated annual revenue. An annual adjustment is made at the end of the year based on your actual income. 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