{"id":20160,"date":"2025-05-10T11:12:55","date_gmt":"2025-05-10T15:12:55","guid":{"rendered":"https:\/\/www.assur360.ca\/business-insurance-3-minute-quote\/warehousing-and-logistics-insurance-quote\/"},"modified":"2026-04-20T15:18:19","modified_gmt":"2026-04-20T19:18:19","slug":"warehousing-and-logistics-insurance-quote","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/warehousing-and-logistics-insurance-quote\/","title":{"rendered":"Warehousing and Logistics Insurance Quebec 2026: Warehouses + Distribution"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"InsuranceAgency\",\n  \"name\": \"Assur360 - Courtiers en assurance entreposage et logistique\",\n  \"description\": \"Courtiers certifi\u00e9s AMF sp\u00e9cialis\u00e9s en assurance pour entrep\u00f4ts, 3PL, distribution et cross-docking au Qu\u00e9bec. Comparaison de 9+ assureurs.\",\n  \"url\": \"https:\/\/www.assur360.ca\/assurance-entreposage-et-logistique\/\",\n  \"telephone\": \"+1-866-357-4451\",\n  \"priceRange\": \"$$\",\n  \"areaServed\": {\"@type\": \"State\", \"name\": \"Qu\u00e9bec\"},\n  \"address\": {\"@type\": \"PostalAddress\", \"addressRegion\": \"QC\", \"addressCountry\": \"CA\"},\n  \"aggregateRating\": {\"@type\": \"AggregateRating\", \"ratingValue\": \"4.9\", \"reviewCount\": \"312\"}\n}\n<\/script>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Your warehouse is home to high-value inventory that often belongs to your customers. A fire, theft or a simple handling breakdown can engage your <strong>liability as a depositary<\/strong> for considerable amounts. At <strong>Assur360<\/strong>, our <strong>independent AMF-certified brokers<\/strong> compare more than 9 insurers to find the most comprehensive coverage at the best price \u2014 warehouses, 3PLs, distribution, cross-docking and third-party logistics.  <\/p>\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\/assurance-entreposage-logistique.jpg\" alt=\"Logistics and Warehousing Centre \u2014 Assur360 Insurance\" 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=\"3PL-Warehousing-Logistics-Insurance\"><\/span>3PL Warehousing  Logistics Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\">Third-party logistics (3PL) companies store goods belonging to customers. They need <em>warehouseman&#8217;s legal liability<\/em> coverage covering damage to property in custody. <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Limits:<\/strong> typically $250,000 to $5 million per storage location depending on the value of the goods stored. Enterprise customer contracts often require <strong>$10 million<\/strong> and an annual coverage audit. <\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:48px 40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#10c4c7;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;font-weight:600;\">WAREHOUSING  LOGISTICS INSURANCE 2026<\/p>\n  <h2 style=\"color:#ffffff;font-size:36px;margin:0 0 16px;line-height:1.2;\"><span class=\"ez-toc-section\" id=\"Protect-your-warehouse-inventory-and-custodian-liability\"><\/span>Protect your warehouse, inventory, and custodian liability<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#cbd5e1;font-size:18px;margin:0 0 28px;max-width:700px;margin-left:auto;margin-right:auto;line-height:1.6;\">Free online quote \u2014 compare 9+ specialized warehousing and 3PL insurers with an independent AMF-certified broker.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:18px 40px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Get My Quote<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:18px 40px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">Talk to a broker<\/a>\n<\/div>\n\n<div style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:32px;margin:32px 0;display:grid;grid-template-columns:repeat(4,1fr);gap:24px;text-align:center;\">\n  <div>\n    <div style=\"font-size:34px;font-weight:800;color:#10c4c7;margin-bottom:8px;\">9+<\/div>\n    <div style=\"font-size:13px;color:#64748b;text-transform:uppercase;letter-spacing:1px;\">Insurers Compared<\/div>\n  <\/div>\n  <div>\n    <div style=\"font-size:34px;font-weight:800;color:#10c4c7;margin-bottom:8px;\">100K+<\/div>\n    <div style=\"font-size:13px;color:#64748b;text-transform:uppercase;letter-spacing:1px;\">Insured customers<\/div>\n  <\/div>\n  <div>\n    <div style=\"font-size:34px;font-weight:800;color:#10c4c7;margin-bottom:8px;\">4.9\/5<\/div>\n    <div style=\"font-size:13px;color:#64748b;text-transform:uppercase;letter-spacing:1px;\">Customer satisfaction<\/div>\n  <\/div>\n  <div>\n    <div style=\"font-size:34px;font-weight:800;color:#10c4c7;margin-bottom:8px;\">AMF<\/div>\n    <div style=\"font-size:13px;color:#64748b;text-transform:uppercase;letter-spacing:1px;\">Certified brokers<\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Who-is-warehousing-and-logistics-insurance-designed-for\"><\/span>Who is warehousing and logistics insurance designed for?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;\">The warehousing and logistics sector encompasses a wide variety of Quebec companies, each with specific risks. Your Assur360 broker adapts the coverage according to your actual activity. <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfe2<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Warehouses  3PLs<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Commercial warehousing, third-party logistics (3PL), distribution centers, self-storage. Coverage of the building, equipment and especially the property entrusted to you by your customers. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udce6<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Distribution and cross-docking<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Distributors, wholesalers, transshipment platforms. Protection of goods in transit, against organized theft and handling damage. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83e\uddca<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Specialized Storage<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Cold storage, dangerous goods, pharmaceuticals or food products. Tailor-made cover with specific endorsements (refrigeration damage, etc.). <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Essential-covers-for-warehouses-and-logistics\"><\/span>Essential covers for warehouses and logistics<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;\">A well-constructed storage insurance policy combines several coverages. At Assur360, we help you identify the coverage that is really necessary for your operation. <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">Customer Stored Assets (Custodian RC)<\/h3>\n    <p style=\"color:#334155;font-size:13px;line-height:1.6;margin:0;\">The industry&#8217;s most critical coverage: protecting the goods of others you store against fire, theft or accidental damage.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">Building and equipment<\/h3>\n    <p style=\"color:#334155;font-size:13px;line-height:1.6;margin:0;\">Warehouse, forklifts, racking systems, conveyors, management IT equipment. Comprehensive replacement cost insurance. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">Landlord&#8217;s liability<\/h3>\n    <p style=\"color:#334155;font-size:13px;line-height:1.6;margin:0;\">If you rent the warehouse, coverage for damage to the building and obligations to the landlord under the commercial lease.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">Loss of operating income<\/h3>\n    <p style=\"color:#334155;font-size:13px;line-height:1.6;margin:0;\">Compensation for loss of income and fixed costs if your warehouse becomes inoperable following a covered loss (fire, major breakdown).<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">Theft, fire, flood<\/h3>\n    <p style=\"color:#334155;font-size:13px;line-height:1.6;margin:0;\">Fundamental protections against major losses. Earthquake endorsement and water damage endorsement to be assessed according to the area. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">Product liability and general liability<\/h3>\n    <p style=\"color:#334155;font-size:13px;line-height:1.6;margin:0;\">Commercial liability for injuries to third parties, damage to customers, and defects in products handled or shipped.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">Cyber risks (customer management)<\/h3>\n    <p style=\"color:#334155;font-size:13px;line-height:1.6;margin:0;\">Protection against computer attacks on your WMS, ransomware and customer data breaches. Indispensable with Bill 25. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">Freight transport<\/h3>\n    <p style=\"color:#334155;font-size:13px;line-height:1.6;margin:0;\">Cargo coverage for inbound and outbound deliveries, commercial fleet extension if you operate your own delivery trucks.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">Specialized endorsements<\/h3>\n    <p style=\"color:#334155;font-size:13px;line-height:1.6;margin:0;\">Refrigeration damage, contamination of goods, inventory errors, theft of employees, environmental liability depending on your activity.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Get-your-storage-insurance-in-4-simple-steps\"><\/span>Get your storage insurance in 4 simple steps<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:16px;margin:32px 0;\">\n  <div style=\"display:flex;gap:20px;align-items:flex-start;background:#f8fafc;border-left:4px solid #10c4c7;padding:20px;border-radius:8px;\">\n    <div style=\"width:36px;height:36px;background:#10c4c7;color:#ffffff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;flex-shrink:0;\">1<\/div>\n    <div><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 6px;\">Online Quote<\/h3><p style=\"color:#334155;font-size:14px;margin:0;line-height:1.6;\">Fill out our form in 3 minutes: surface area, type of goods stored, turnover, claims history.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;background:#f8fafc;border-left:4px solid #10c4c7;padding:20px;border-radius:8px;\">\n    <div style=\"width:36px;height:36px;background:#10c4c7;color:#ffffff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;flex-shrink:0;\">2<\/div>\n    <div><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 6px;\">Analysis by a certified broker<\/h3><p style=\"color:#334155;font-size:14px;margin:0;line-height:1.6;\">An AMF broker specializing in commercial insurance studies your activity and identifies the specific risks to be covered.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;background:#f8fafc;border-left:4px solid #10c4c7;padding:20px;border-radius:8px;\">\n    <div style=\"width:36px;height:36px;background:#10c4c7;color:#ffffff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;flex-shrink:0;\">3<\/div>\n    <div><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 6px;\">Multi-insurer comparison<\/h3><p style=\"color:#334155;font-size:14px;margin:0;line-height:1.6;\">We ask our 30+ logistics partners to get the best conditions and prices.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;background:#f8fafc;border-left:4px solid #10c4c7;padding:20px;border-radius:8px;\">\n    <div style=\"width:36px;height:36px;background:#10c4c7;color:#ffffff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;flex-shrink:0;\">4<\/div>\n    <div><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 6px;\">Active protection within 48 hours<\/h3><p style=\"color:#334155;font-size:14px;margin:0;line-height:1.6;\">You receive the compared quotes, choose your policy and sign electronically. Effective coverage quickly. <\/p><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border:2px solid #10c4c7;border-radius:12px;padding:28px;margin:32px 0;\">\n  <p style=\"color:#10c4c7;font-weight:700;font-size:14px;text-transform:uppercase;letter-spacing:1px;margin:0 0 10px;\">\ud83d\udca1 Broker&#8217;s advice<\/p>\n  <p style=\"color:#ffffff;font-size:15px;line-height:1.7;margin:0;\">The limit of your &#8220;entrusted goods&#8221; coverage must correspond to the maximum value of customer inventory at peak times (e.g. before the holidays). Many warehouses are underinsured for this item, which can lead to the <strong>proportional rule<\/strong> in the event of a claim: you would only be partially compensated. Have this limit reviewed annually with your broker.  <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Indicative-rates-for-storage-insurance-2026-in-Quebec\"><\/span>Indicative rates for storage insurance 2026 in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;\">Premiums vary according to the surface area, the value of the goods stored, the protective measures (sprinklers, alarm, monitoring) and the loss history. Here are indicative ranges observed in 2026. <\/p>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n<table style=\"width:100%;border-collapse:collapse;background:#ffffff;border-radius:12px;overflow:hidden;box-shadow:0 1px 3px rgba(0,0,0,0.08);\">\n  <thead><tr style=\"background:#0d1f2d;color:#ffffff;\">\n    <th style=\"padding:16px;text-align:left;font-size:14px;\">Warehouse<\/th>\n Type<th style=\"padding:16px;text-align:left;font-size:14px;\">Surface area<\/th>\n<th style=\"padding:16px;text-align:left;font-size:14px;\">Estimated annual premium<\/th>        \n  <\/tr><\/thead>\n  <tbody>\n    <tr style=\"background:#f8fafc;\"><td style=\"padding:14px;\">Small Standard Warehouse<\/td><td style=\"padding:14px;\">Less than 10,000 sq. ft<\/td><td style=\"padding:14px;font-weight:600;color:#10c4c7;\">.$3,500 \u2013 $7,500<\/td><\/tr>\n    <tr><td style=\"padding:14px;\">Medium Commercial Warehouse<\/td><td style=\"padding:14px;\">10,000 \u2013 40,000 sq. ft<\/td><td style=\"padding:14px;font-weight:600;color:#10c4c7;\">.$8,000 \u2013 $22,000<\/td><\/tr>\n    <tr style=\"background:#f8fafc;\"><td style=\"padding:14px;\">3PL Centre \/ Distribution<\/td><td style=\"padding:14px;\">40,000 \u2013 100,000 sq. ft<\/td><td style=\"padding:14px;font-weight:600;color:#10c4c7;\">$25,000 \u2013 $65,000<\/td><\/tr>\n    <tr><td style=\"padding:14px;\">Large Warehouse \/ Cross-Docking<\/td><td style=\"padding:14px;\">Over 100,000 sq. ft<\/td><td style=\"padding:14px;font-weight:600;color:#10c4c7;\">.$70,000<\/td>+<\/tr>\n    <tr style=\"background:#f8fafc;\"><td style=\"padding:14px;\">Cold Storage<\/td><td style=\"padding:14px;\">All Areas<\/td><td style=\"padding:14px;font-weight:600;color:#10c4c7;\">Markup 25-40%<\/td><\/tr>\n  <\/tbody>\n<\/table>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <h3 style=\"color:#ffffff;font-size:26px;margin:0 0 16px;\">Get the exact price for your warehouse<\/h3>\n  <p style=\"color:#cbd5e1;margin:0 0 24px;max-width:640px;margin-left:auto;margin-right:auto;\">Each case is unique. Our brokers get you real quotes from several specialized insurers within 48 hours. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-quote-for-goods-in-storage\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Quick quote for goods in storage<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Storage-insurance-in-all-regions-of-Quebec\"><\/span>Storage insurance in all regions of Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;\">Assur360 supports warehouses and logistics companies throughout the province. Our brokers operate in <strong>Montreal<\/strong>, <strong>Laval<\/strong>, <strong>Longueuil<\/strong>, <strong>Quebec City<\/strong>, <strong>L\u00e9vis<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Sherbrooke<\/strong> and <strong>Gatineau<\/strong>. The major logistics zones of the Montreal-Mirabel corridor and the North Shore benefit from specialized expertise in warehouse and 3PL insurance.  <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-articles\"><\/span>Related articles<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 8px;\">Business Insurance<\/h3>\n    <p style=\"color:#334155;font-size:14px;margin:0;line-height:1.6;\">Business Protection Overview: Building, Inventory, Liability, and Lost Revenue.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/trucking-insurance-2\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 8px;\">Trucking Insurance<\/h3>\n    <p style=\"color:#334155;font-size:14px;margin:0;line-height:1.6;\">Commercial fleet, cargo and liability coverage for road carriers.<\/p>\n  <\/a>\n  <a href=\"\/assurance-cyber\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 8px;\">Cyber Insurance<\/h3>\n    <p style=\"color:#334155;font-size:14px;margin:0;line-height:1.6;\">Protection against ransomware, customer data breaches, and attacks on your WMS\/ERP systems.<\/p>\n  <\/a>\n  <a href=\"\/assurance-responsabilite-civile\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 8px;\">Commercial General Liability<\/h3>\n    <p style=\"color:#334155;font-size:14px;margin:0;line-height:1.6;\">Protection against third-party claims: injuries, property damage, and product defects.<\/p>\n  <\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-%E2%80%93-Warehousing-and-Logistics-Insurance\"><\/span>Frequently Asked Questions \u2013 Warehousing and Logistics Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:32px 0;\">\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 custodian liability?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">This is the legal obligation that binds you to the goods that a customer entrusts to you for storage. If these assets are damaged, lost or destroyed while in your care, you are liable \u2014 even in the event of an accidental loss. Specific &#8220;bailee&#8217;s customer goods&#8221; cover is essential.  <\/div>\n  <\/details>\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 my standard business insurance cover my customers&#8217; belongings?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No, unless there is a specific amendment. A standard commercial policy covers your own property. Goods owned by your customers require separate coverage \u2014 custodian liability or a &#8220;third-party property in your custody&#8221; endorsement. Without this endorsement, a major loss can threaten the survival of your business.   <\/div>\n  <\/details>\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 cold stores require special covers?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes. Cold storage warehouses require a &#8220;cold storage&#8221; endorsement that covers the loss of goods due to equipment failure, prolonged power outage or temperature drift. Premiums are usually higher (25-40% markup) due to the specific risk. <\/div>\n  <\/details>\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 warehouse insurance cost in Quebec?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Annual premiums range from $3,500 for a small warehouse to more than $70,000 for a distribution centre larger than 100,000 sq. ft. The key factors: surface area, value of the goods stored, type of goods, presence of sprinklers, alarms monitored 24\/7 and loss history. <\/div>\n  <\/details>\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 a 3PL have the same needs as a conventional warehouse?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No. 3PLs (third-party logistics) often take on more responsibilities: order picking, returns management, shipping, and sometimes even final delivery. They need additional coverage for shipping errors, transport liability, cyber risks (WMS systems and customer portals) and extended contractual liability. <\/div>\n  <\/details>\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 the protective measures reduce my premium?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, considerably. Automatic sprinklers (15 to 30 percent discount), centrally monitored alarm (10 to 20 percent), 24\/7 video surveillance, card-based access control and a secure fence significantly reduce premiums. Insurers often require certain measures for high risks.  <\/div>\n  <\/details>\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 happens in the event of a major disaster?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Contact your broker and insurer immediately. A claims adjuster will be appointed to assess the damage. Each customer whose assets have been affected must be informed. Your &#8220;business interruption&#8221; cover compensates you for your loss of income during the restoration. Your broker coordinates the entire process with you.    <\/div>\n  <\/details>\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 use an independent broker like Assur360?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">An AMF-certified independent broker compares more than 9 insurers and negotiates for you. Unlike an exclusive agent, our loyalty is to the customer, not to an insurer. We support you during the subscription, during the annual reviews and especially in the event of a claim \u2013 this is where the difference really shows.  <\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\"@type\":\"Question\",\"name\":\"Qu'est-ce que la responsabilit\u00e9 de d\u00e9positaire ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"C'est l'obligation l\u00e9gale qui vous lie aux biens qu'un client vous confie pour entreposage. Si ces biens sont endommag\u00e9s, perdus ou d\u00e9truits alors qu'ils sont sous votre garde, votre responsabilit\u00e9 est engag\u00e9e \u2014 m\u00eame en cas de sinistre accidentel.\"}},\n    {\"@type\":\"Question\",\"name\":\"Mon assurance commerciale standard couvre-t-elle les biens de mes clients ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non, sauf avenant sp\u00e9cifique. Une police commerciale standard couvre vos propres biens. Les marchandises appartenant \u00e0 vos clients n\u00e9cessitent une couverture distincte \u2014 la RC d\u00e9positaire ou un avenant biens de tiers sous votre garde.\"}},\n    {\"@type\":\"Question\",\"name\":\"Les entrep\u00f4ts frigorifiques n\u00e9cessitent-ils des couvertures particuli\u00e8res ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Les entrep\u00f4ts frigorifiques requi\u00e8rent un avenant avarie frigorifique qui couvre les pertes de marchandises dues \u00e0 une panne d'\u00e9quipement, coupure \u00e9lectrique ou d\u00e9rive de temp\u00e9rature.\"}},\n    {\"@type\":\"Question\",\"name\":\"Combien co\u00fbte une assurance entrep\u00f4t au Qu\u00e9bec ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Les primes varient de 3 500 $ pour un petit entrep\u00f4t \u00e0 plus de 70 000 $ pour un centre de distribution de plus de 100 000 pi\u00b2. Les facteurs cl\u00e9s : superficie, valeur des biens stock\u00e9s, protections et historique de sinistres.\"}},\n    {\"@type\":\"Question\",\"name\":\"Un 3PL a-t-il les m\u00eames besoins qu'un entrep\u00f4t classique ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non. Les 3PL assument souvent plus de responsabilit\u00e9s : pr\u00e9paration de commandes, gestion des retours, exp\u00e9dition. Ils ont besoin de couvertures suppl\u00e9mentaires pour erreurs d'exp\u00e9dition, RC transport, cyber-risques et responsabilit\u00e9 contractuelle.\"}},\n    {\"@type\":\"Question\",\"name\":\"Les mesures de protection r\u00e9duisent-elles ma prime ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Les gicleurs automatiques (15 \u00e0 30 % de rabais), une alarme surveill\u00e9e en centrale (10 \u00e0 20 %), la vid\u00e9osurveillance 24h\/7j et le contr\u00f4le d'acc\u00e8s r\u00e9duisent les primes.\"}},\n    {\"@type\":\"Question\",\"name\":\"Que se passe-t-il en cas de sinistre majeur ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Contactez imm\u00e9diatement votre courtier et votre assureur. Un expert en sinistres \u00e9valuera les dommages. Votre couverture perte d'exploitation indemnise votre manque \u00e0 gagner pendant la remise en \u00e9tat.\"}},\n    {\"@type\":\"Question\",\"name\":\"Pourquoi passer par un courtier ind\u00e9pendant comme Assur360 ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Un courtier ind\u00e9pendant certifi\u00e9 AMF compare plus de 9 assureurs et n\u00e9gocie pour vous. Notre loyaut\u00e9 va au client, pas \u00e0 un assureur. Nous vous accompagnons \u00e0 la souscription et surtout en cas de sinistre.\"}}\n  ]\n}\n<\/script>\n\n<div style=\"background:#f0fdfa;border-radius:16px;padding:40px;margin:40px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:22px;margin:0 0 20px;text-align:center;\">Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:16px;max-width:720px;margin:0 auto;\">\n    <div style=\"display:flex;gap:12px;align-items:flex-start;\"><span style=\"color:#10c4c7;font-size:20px;flex-shrink:0;\">\u2713<\/span><p style=\"color:#334155;margin:0;font-size:14px;\">Independent brokers certified by the <strong>Autorit\u00e9 des march\u00e9s financiers (AMF)<\/strong><\/p><\/div>\n    <div style=\"display:flex;gap:12px;align-items:flex-start;\"><span style=\"color:#10c4c7;font-size:20px;flex-shrink:0;\">\u2713<\/span><p style=\"color:#334155;margin:0;font-size:14px;\">Members of the <strong>Chambre de l&#8217;assurance de dommages (ChAD)<\/strong><\/p><\/div>\n    <div style=\"display:flex;gap:12px;align-items:flex-start;\"><span style=\"color:#10c4c7;font-size:20px;flex-shrink:0;\">\u2713<\/span><p style=\"color:#334155;margin:0;font-size:14px;\"><strong>100,000+ customers insured<\/strong> in Quebec for more than 20 years<\/p><\/div>\n    <div style=\"display:flex;gap:12px;align-items:flex-start;\"><span style=\"color:#10c4c7;font-size:20px;flex-shrink:0;\">\u2713<\/span><p style=\"color:#334155;margin:0;font-size:14px;\">Access to <strong>9+ insurers specializing<\/strong> in logistics and warehousing<\/p><\/div>\n    <div style=\"display:flex;gap:12px;align-items:flex-start;\"><span style=\"color:#10c4c7;font-size:20px;flex-shrink:0;\">\u2713<\/span><p style=\"color:#334155;margin:0;font-size:14px;\">Complete support <strong>in the event of a claim<\/strong> (declaration, expertise, settlement)<\/p><\/div>\n    <div style=\"display:flex;gap:12px;align-items:flex-start;\"><span style=\"color:#10c4c7;font-size:20px;flex-shrink:0;\">\u2713<\/span><p style=\"color:#334155;margin:0;font-size:14px;\">Satisfaction rating <strong>4.9\/5 from 312<\/strong> verified Google reviews<\/p><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:48px 40px;text-align:center;margin:48px 0;\">\n  <p style=\"color:#10c4c7;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;font-weight:600;\">PROTECT YOUR BUSINESS<\/p>\n  <h3 style=\"color:#ffffff;font-size:30px;margin:0 0 16px;line-height:1.2;\">Request your quote online now<\/h3>\n  <p style=\"color:#cbd5e1;margin:0 0 28px;max-width:640px;margin-left:auto;margin-right:auto;line-height:1.6;\">Get your price in 48 hours with an AMF-certified broker. No commitment, no fees, no pressure. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-quote-for-goods-in-storage\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:18px 40px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Storage Quote<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:18px 40px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">\ud83d\udcde 1-866-357-4451<\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BreadcrumbList\",\n  \"itemListElement\": [\n    {\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.assur360.ca\/\"},\n    {\"@type\":\"ListItem\",\"position\":2,\"name\":\"Assurance entreprise\",\"item\":\"https:\/\/www.assur360.ca\/assurance-entreprise\/\"},\n    {\"@type\":\"ListItem\",\"position\":3,\"name\":\"Assurance entreposage et logistique\",\"item\":\"https:\/\/www.assur360.ca\/assurance-entreposage-et-logistique\/\"}\n  ]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Your warehouse is home to high-value inventory that often belongs to your customers. 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