{"id":51684,"date":"2026-04-17T10:48:32","date_gmt":"2026-04-17T14:48:32","guid":{"rendered":"https:\/\/www.assur360.ca\/tools\/business-interruption-calculator\/"},"modified":"2026-04-17T12:51:22","modified_gmt":"2026-04-17T16:51:22","slug":"business-interruption-calculator","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/business-interruption-calculator\/","title":{"rendered":"Business Interruption Calculator"},"content":{"rendered":"<style>#ez-toc-container{display:none!important}<\/style>\n\n<div id=\"a360-calc-bi\" class=\"a360-calc-bi\">\n\n    <!-- Hero -->\n    <div class=\"a360-calc-bi__hero\">\n        <div class=\"a360-calc-bi__hero-inner\">\n            <h1 class=\"a360-calc-bi__hero-title\">\n                Business Interruption Calculator            <\/h1>\n            <p class=\"a360-calc-bi__hero-subtitle\">\n                Evaluate your insurance gross profit, detect underinsurance and simulate your losses in case of a claim. Free tool by Assur360.            <\/p>\n            <a href=\"#a360-calc-tabs\" class=\"a360-calc-bi__btn a360-calc-bi__btn--primary\">\n                Start Simulation            <\/a>\n        <\/div>\n        <div class=\"a360-calc-bi__hero-visual\">\n            <svg viewBox=\"0 0 200 200\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" class=\"a360-calc-bi__hero-svg\">\n                <circle cx=\"100\" cy=\"100\" r=\"90\" fill=\"none\" stroke=\"#10c4c7\" stroke-width=\"2\" opacity=\"0.3\"\/>\n                <circle cx=\"100\" cy=\"100\" r=\"60\" fill=\"none\" stroke=\"#10c4c7\" stroke-width=\"2\" opacity=\"0.5\"\/>\n                <circle cx=\"100\" cy=\"100\" r=\"30\" fill=\"#10c4c7\" opacity=\"0.15\"\/>\n                <text x=\"100\" y=\"95\" text-anchor=\"middle\" fill=\"#10c4c7\" font-size=\"24\" font-weight=\"700\">BI<\/text>\n                <text x=\"100\" y=\"115\" text-anchor=\"middle\" fill=\"#ffffff\" font-size=\"10\" opacity=\"0.8\">Business Interruption<\/text>\n            <\/svg>\n        <\/div>\n    <\/div>\n\n    <!-- Tabs Navigation -->\n    <nav id=\"a360-calc-tabs\" class=\"a360-calc-bi__tabs\" role=\"tablist\" aria-label=\"Calculators\">\n        <button class=\"a360-calc-bi__tab a360-calc-bi__tab--active\" role=\"tab\" aria-selected=\"true\" aria-controls=\"a360-panel-1\" id=\"a360-tab-1\" data-tab=\"1\">\n            <span class=\"a360-calc-bi__tab-num\">1<\/span>\n            <span class=\"a360-calc-bi__tab-label\">Gross Profit<\/span>\n        <\/button>\n        <button class=\"a360-calc-bi__tab\" role=\"tab\" aria-selected=\"false\" aria-controls=\"a360-panel-2\" id=\"a360-tab-2\" data-tab=\"2\">\n            <span class=\"a360-calc-bi__tab-num\">2<\/span>\n            <span class=\"a360-calc-bi__tab-label\">Coinsurance Rule<\/span>\n        <\/button>\n        <button class=\"a360-calc-bi__tab\" role=\"tab\" aria-selected=\"false\" aria-controls=\"a360-panel-3\" id=\"a360-tab-3\" data-tab=\"3\">\n            <span class=\"a360-calc-bi__tab-num\">3<\/span>\n            <span class=\"a360-calc-bi__tab-label\">Indemnity Period<\/span>\n        <\/button>\n        <button class=\"a360-calc-bi__tab\" role=\"tab\" aria-selected=\"false\" aria-controls=\"a360-panel-4\" id=\"a360-tab-4\" data-tab=\"4\">\n            <span class=\"a360-calc-bi__tab-num\">4<\/span>\n            <span class=\"a360-calc-bi__tab-label\">Loss Simulation<\/span>\n        <\/button>\n    <\/nav>\n\n    <!-- Tab Panels -->\n    <div class=\"a360-calc-bi__panels\">\n        <div class=\"a360-calc-bi__panel a360-calc-bi__panel--active\" role=\"tabpanel\" id=\"a360-panel-1\" aria-labelledby=\"a360-tab-1\">\n            \n<div class=\"a360-calc-bi__calculator\" data-calculator=\"1\">\n    <h2 class=\"a360-calc-bi__calc-title\">Insurance Gross Profit Calculator<\/h2>\n    <p class=\"a360-calc-bi__calc-desc\">Calculate your insurance gross profit (subtractive method) to determine the amount to insure for business interruption.<\/p>\n\n    <form class=\"a360-calc-bi__form\" id=\"a360-form-bb\" novalidate>\n        <div class=\"a360-calc-bi__form-grid\">\n            <!-- Chiffre d'affaires -->\n            <div class=\"a360-calc-bi__field\">\n                <label for=\"a360-ca\" class=\"a360-calc-bi__label\">\n                    Annual Revenue <span class=\"a360-calc-bi__required\">*<\/span>\n                <\/label>\n                <div class=\"a360-calc-bi__input-wrap\">\n                    <input type=\"text\" id=\"a360-ca\" name=\"ca\" class=\"a360-calc-bi__input a360-calc-bi__input--currency\" inputmode=\"numeric\" required data-min=\"0\" placeholder=\"2 000 000\" \/>\n                    <span class=\"a360-calc-bi__input-suffix\">$<\/span>\n                <\/div>\n            <\/div>\n\n            <!-- Achats marchandises -->\n            <div class=\"a360-calc-bi__field\">\n                <label for=\"a360-achats\" class=\"a360-calc-bi__label\">\n                    Merchandise \/ Raw Material Purchases <span class=\"a360-calc-bi__required\">*<\/span>\n                <\/label>\n                <div class=\"a360-calc-bi__input-wrap\">\n                    <input type=\"text\" id=\"a360-achats\" name=\"achats\" class=\"a360-calc-bi__input a360-calc-bi__input--currency\" inputmode=\"numeric\" required data-min=\"0\" placeholder=\"800 000\" \/>\n                    <span class=\"a360-calc-bi__input-suffix\">$<\/span>\n                <\/div>\n            <\/div>\n\n            <!-- Commissions variables -->\n            <div class=\"a360-calc-bi__field\">\n                <label for=\"a360-commissions\" class=\"a360-calc-bi__label\">\n                    Variable Sales Commissions                <\/label>\n                <div class=\"a360-calc-bi__input-wrap\">\n                    <input type=\"text\" id=\"a360-commissions\" name=\"commissions\" class=\"a360-calc-bi__input a360-calc-bi__input--currency\" inputmode=\"numeric\" placeholder=\"0\" \/>\n                    <span class=\"a360-calc-bi__input-suffix\">$<\/span>\n                <\/div>\n            <\/div>\n\n            <!-- Transport -->\n            <div class=\"a360-calc-bi__field\">\n                <label for=\"a360-transport\" class=\"a360-calc-bi__label\">\n                    Outbound Shipping \/ Delivery                <\/label>\n                <div class=\"a360-calc-bi__input-wrap\">\n                    <input type=\"text\" id=\"a360-transport\" name=\"transport\" class=\"a360-calc-bi__input a360-calc-bi__input--currency\" inputmode=\"numeric\" placeholder=\"0\" \/>\n                    <span class=\"a360-calc-bi__input-suffix\">$<\/span>\n                <\/div>\n            <\/div>\n\n            <!-- Frais bancaires -->\n            <div class=\"a360-calc-bi__field\">\n                <label for=\"a360-frais-bancaires\" class=\"a360-calc-bi__label\">\n                    Variable Bank Fees                <\/label>\n                <div class=\"a360-calc-bi__input-wrap\">\n                    <input type=\"text\" id=\"a360-frais-bancaires\" name=\"frais_bancaires\" class=\"a360-calc-bi__input a360-calc-bi__input--currency\" inputmode=\"numeric\" placeholder=\"0\" \/>\n                    <span class=\"a360-calc-bi__input-suffix\">$<\/span>\n                <\/div>\n            <\/div>\n\n            <!-- Emballages -->\n            <div class=\"a360-calc-bi__field\">\n                <label for=\"a360-emballages\" class=\"a360-calc-bi__label\">\n                    Packaging \/ Variable Supplies                <\/label>\n                <div class=\"a360-calc-bi__input-wrap\">\n                    <input type=\"text\" id=\"a360-emballages\" name=\"emballages\" class=\"a360-calc-bi__input a360-calc-bi__input--currency\" inputmode=\"numeric\" placeholder=\"0\" \/>\n                    <span class=\"a360-calc-bi__input-suffix\">$<\/span>\n                <\/div>\n            <\/div>\n        <\/div>\n\n        <!-- Sliders -->\n        <div class=\"a360-calc-bi__sliders\">\n            <div class=\"a360-calc-bi__slider-group\">\n                <label for=\"a360-croissance\" class=\"a360-calc-bi__label\">\n                    Projected Growth Rate : <strong id=\"a360-croissance-val\">3 %<\/strong>\n                <\/label>\n                <input type=\"range\" id=\"a360-croissance\" name=\"croissance\" min=\"0\" max=\"20\" value=\"3\" step=\"1\" class=\"a360-calc-bi__range\" \/>\n                <div class=\"a360-calc-bi__range-labels\">\n                    <span>0 %<\/span><span>20 %<\/span>\n                <\/div>\n            <\/div>\n            <div class=\"a360-calc-bi__slider-group\">\n                <label for=\"a360-duree\" class=\"a360-calc-bi__label\">\n                    Projection Period : <strong id=\"a360-duree-val\">12 mois<\/strong>\n                <\/label>\n                <input type=\"range\" id=\"a360-duree\" name=\"duree\" min=\"12\" max=\"36\" value=\"12\" step=\"6\" class=\"a360-calc-bi__range\" \/>\n                <div class=\"a360-calc-bi__range-labels\">\n                    <span>12<\/span><span>18<\/span><span>24<\/span><span>36<\/span>\n                <\/div>\n            <\/div>\n        <\/div>\n\n        <button type=\"submit\" class=\"a360-calc-bi__btn a360-calc-bi__btn--primary a360-calc-bi__btn--full\">\n            Calculate My Gross Profit        <\/button>\n    <\/form>\n\n    <!-- R\u00e9sultats -->\n    <div class=\"a360-calc-bi__results\" id=\"a360-results-1\" hidden aria-live=\"polite\" style=\"min-height:200px;\">\n        <h3 class=\"a360-calc-bi__results-title\">Results<\/h3>\n\n        <div class=\"a360-calc-bi__results-grid\">\n            <div class=\"a360-calc-bi__result-card a360-calc-bi__result-card--primary\">\n                <span class=\"a360-calc-bi__result-label\">Insurance Gross Profit<\/span>\n                <span class=\"a360-calc-bi__result-value\" id=\"a360-res-bb\">\u2014<\/span>\n            <\/div>\n            <div class=\"a360-calc-bi__result-card\">\n                <span class=\"a360-calc-bi__result-label\">GP Rate<\/span>\n                <span class=\"a360-calc-bi__result-value\" id=\"a360-res-taux\">\u2014<\/span>\n            <\/div>\n            <div class=\"a360-calc-bi__result-card\">\n                <span class=\"a360-calc-bi__result-label\">Recommended Insured Amount<\/span>\n                <span class=\"a360-calc-bi__result-value\" id=\"a360-res-somme\">\u2014<\/span>\n            <\/div>\n        <\/div>\n\n        <!-- Barre empil\u00e9e -->\n        <div class=\"a360-calc-bi__stacked-bar-container\">\n            <div class=\"a360-calc-bi__stacked-bar\">\n                <div class=\"a360-calc-bi__stacked-bar-segment a360-calc-bi__stacked-bar-segment--variable\" id=\"a360-bar-variable\" style=\"width:0%\">\n                    <span>Variable Expenses<\/span>\n                <\/div>\n                <div class=\"a360-calc-bi__stacked-bar-segment a360-calc-bi__stacked-bar-segment--bb\" id=\"a360-bar-bb\" style=\"width:0%\">\n                    <span>Gross Profit<\/span>\n                <\/div>\n            <\/div>\n            <div class=\"a360-calc-bi__stacked-bar-legend\">\n                <span class=\"a360-calc-bi__legend-item a360-calc-bi__legend-item--variable\">Variable Expenses : <strong id=\"a360-legend-variable\">\u2014<\/strong><\/span>\n                <span class=\"a360-calc-bi__legend-item a360-calc-bi__legend-item--bb\">Gross Profit : <strong id=\"a360-legend-bb\">\u2014<\/strong><\/span>\n            <\/div>\n        <\/div>\n\n        <div class=\"a360-calc-bi__results-actions\">\n            <button type=\"button\" class=\"a360-calc-bi__btn a360-calc-bi__btn--secondary\" data-goto-tab=\"2\">\n                Check My Coverage \u2192            <\/button>\n        <\/div>\n    <\/div>\n<\/div>\n        <\/div>\n        <div class=\"a360-calc-bi__panel\" role=\"tabpanel\" id=\"a360-panel-2\" aria-labelledby=\"a360-tab-2\" hidden>\n            \n<div class=\"a360-calc-bi__calculator\" data-calculator=\"2\">\n    <h2 class=\"a360-calc-bi__calc-title\">Underinsurance Detector \u2014 Coinsurance Rule<\/h2>\n    <p class=\"a360-calc-bi__calc-desc\">Check if your business interruption coverage meets the coinsurance clause of your policy. Underinsurance can drastically reduce your indemnity in case of a claim.<\/p>\n\n    <form class=\"a360-calc-bi__form\" id=\"a360-form-rp\" novalidate>\n        <div class=\"a360-calc-bi__form-grid\">\n            <div class=\"a360-calc-bi__field\">\n                <label for=\"a360-rp-bb\" class=\"a360-calc-bi__label\">\n                    Projected Annual Gross Profit <span class=\"a360-calc-bi__required\">*<\/span>\n                <\/label>\n                <div class=\"a360-calc-bi__input-wrap\">\n                    <input type=\"text\" id=\"a360-rp-bb\" name=\"bb_projete\" class=\"a360-calc-bi__input a360-calc-bi__input--currency\" inputmode=\"numeric\" required placeholder=\"1 100 000\" \/>\n                    <span class=\"a360-calc-bi__input-suffix\">$<\/span>\n                <\/div>\n                <small class=\"a360-calc-bi__hint\" id=\"a360-rp-bb-hint\" hidden>Pre-filled from calculator 1<\/small>\n            <\/div>\n\n            <div class=\"a360-calc-bi__field\">\n                <label for=\"a360-rp-souscrite\" class=\"a360-calc-bi__label\">\n                    Amount Currently Insured in Your Policy <span class=\"a360-calc-bi__required\">*<\/span>\n                <\/label>\n                <div class=\"a360-calc-bi__input-wrap\">\n                    <input type=\"text\" id=\"a360-rp-souscrite\" name=\"somme_souscrite\" class=\"a360-calc-bi__input a360-calc-bi__input--currency\" inputmode=\"numeric\" required placeholder=\"600 000\" \/>\n                    <span class=\"a360-calc-bi__input-suffix\">$<\/span>\n                <\/div>\n            <\/div>\n\n            <div class=\"a360-calc-bi__field\">\n                <label for=\"a360-rp-coassurance\" class=\"a360-calc-bi__label\">\n                    Coinsurance Rate                <\/label>\n                <select id=\"a360-rp-coassurance\" name=\"coassurance\" class=\"a360-calc-bi__select\">\n                    <option value=\"50\">50 %<\/option>\n                    <option value=\"80\" selected>80 %<\/option>\n                    <option value=\"100\">100 %<\/option>\n                <\/select>\n            <\/div>\n\n            <div class=\"a360-calc-bi__field\">\n                <label for=\"a360-rp-periode\" class=\"a360-calc-bi__label\">\n                    Indemnity Period                <\/label>\n                <select id=\"a360-rp-periode\" name=\"periode\" class=\"a360-calc-bi__select\">\n                    <option value=\"12\" selected>12 months<\/option>\n                    <option value=\"18\">18 months<\/option>\n                    <option value=\"24\">24 months<\/option>\n                <\/select>\n            <\/div>\n        <\/div>\n\n        <!-- Slider sinistre -->\n        <div class=\"a360-calc-bi__sliders\">\n            <div class=\"a360-calc-bi__slider-group\">\n                <label for=\"a360-rp-sinistre\" class=\"a360-calc-bi__label\">\n                    Simulated Claim Amount : <strong id=\"a360-rp-sinistre-val\">300 000 $<\/strong>\n                <\/label>\n                <input type=\"range\" id=\"a360-rp-sinistre\" name=\"sinistre\" min=\"50000\" max=\"2000000\" value=\"300000\" step=\"10000\" class=\"a360-calc-bi__range\" \/>\n                <div class=\"a360-calc-bi__range-labels\">\n                    <span>50 000 $<\/span><span>2 000 000 $<\/span>\n                <\/div>\n            <\/div>\n        <\/div>\n\n        <button type=\"submit\" class=\"a360-calc-bi__btn a360-calc-bi__btn--primary a360-calc-bi__btn--full\">\n            Analyze My Coverage        <\/button>\n    <\/form>\n\n    <!-- Popup avertissement -->\n    <dialog class=\"a360-calc-bi__modal a360-calc-bi__modal--disclaimer\" id=\"a360-rp-disclaimer\" aria-labelledby=\"a360-disclaimer-title\">\n        <div class=\"a360-calc-bi__modal-content\">\n            <div class=\"a360-calc-bi__disclaimer-icon\">\u26a0\ufe0f<\/div>\n            <h3 id=\"a360-disclaimer-title\">Warning<\/h3>\n            <p>The results provided by this tool are for informational purposes only. They do not constitute an insurance quote or professional advice. For a personalized assessment, consult a property and casualty insurance broker.<\/p>\n            <button type=\"button\" class=\"a360-calc-bi__btn a360-calc-bi__btn--primary a360-calc-bi__btn--full\" id=\"a360-rp-disclaimer-ok\">\n                I understand, show my results            <\/button>\n        <\/div>\n    <\/dialog>\n\n    <!-- R\u00e9sultats -->\n    <div class=\"a360-calc-bi__results\" id=\"a360-results-2\" hidden aria-live=\"polite\" style=\"min-height:280px;\">\n        <h3 class=\"a360-calc-bi__results-title\">Your Coverage Analysis<\/h3>\n\n        <!-- Statut -->\n        <div class=\"a360-calc-bi__status\" id=\"a360-rp-status\">\n            <span class=\"a360-calc-bi__status-icon\" id=\"a360-rp-status-icon\"><\/span>\n            <span class=\"a360-calc-bi__status-text\" id=\"a360-rp-status-text\"><\/span>\n        <\/div>\n\n        <!-- Barres comparatives -->\n        <div class=\"a360-calc-bi__compare-bars\">\n            <div class=\"a360-calc-bi__compare-bar-group\">\n                <span class=\"a360-calc-bi__compare-label\">Required Amount<\/span>\n                <div class=\"a360-calc-bi__compare-bar-track\">\n                    <div class=\"a360-calc-bi__compare-bar a360-calc-bi__compare-bar--required\" id=\"a360-rp-bar-required\" style=\"width:0%\"><\/div>\n                <\/div>\n                <span class=\"a360-calc-bi__compare-value\" id=\"a360-rp-val-required\">\u2014<\/span>\n            <\/div>\n            <div class=\"a360-calc-bi__compare-bar-group\">\n                <span class=\"a360-calc-bi__compare-label\">Insured Amount<\/span>\n                <div class=\"a360-calc-bi__compare-bar-track\">\n                    <div class=\"a360-calc-bi__compare-bar a360-calc-bi__compare-bar--subscribed\" id=\"a360-rp-bar-subscribed\" style=\"width:0%\"><\/div>\n                <\/div>\n                <span class=\"a360-calc-bi__compare-value\" id=\"a360-rp-val-subscribed\">\u2014<\/span>\n            <\/div>\n        <\/div>\n\n        <!-- Simulation sinistre -->\n        <div class=\"a360-calc-bi__sinistre-sim\">\n            <h4>Claim Simulation<\/h4>\n            <div class=\"a360-calc-bi__sinistre-grid\">\n                <div class=\"a360-calc-bi__sinistre-item\">\n                    <span class=\"a360-calc-bi__sinistre-label\">Actual Loss<\/span>\n                    <span class=\"a360-calc-bi__sinistre-value\" id=\"a360-rp-perte\">\u2014<\/span>\n                <\/div>\n                <div class=\"a360-calc-bi__sinistre-item a360-calc-bi__sinistre-item--green\">\n                    <span class=\"a360-calc-bi__sinistre-label\">Indemnity Received<\/span>\n                    <span class=\"a360-calc-bi__sinistre-value\" id=\"a360-rp-indemnite\">\u2014<\/span>\n                <\/div>\n                <div class=\"a360-calc-bi__sinistre-item a360-calc-bi__sinistre-item--red\">\n                    <span class=\"a360-calc-bi__sinistre-label\">Penalty Absorbed<\/span>\n                    <span class=\"a360-calc-bi__sinistre-value\" id=\"a360-rp-penalite\">\u2014<\/span>\n                <\/div>\n            <\/div>\n        <\/div>\n\n        <!-- Badge gain potentiel -->\n        <div class=\"a360-calc-bi__alert a360-calc-bi__alert--warning\" id=\"a360-rp-alert\" hidden>\n            <strong id=\"a360-rp-alert-text\"><\/strong>\n            <p>In case of a claim, you would absorb this penalty out of pocket. An Assur360 partner broker can review your policy for free.<\/p>\n            <button type=\"button\" class=\"a360-calc-bi__btn a360-calc-bi__btn--danger\" data-open-lead-modal>\n                Get My Policy Reviewed for Free            <\/button>\n        <\/div>\n\n        <div class=\"a360-calc-bi__results-actions\">\n            <button type=\"button\" class=\"a360-calc-bi__btn a360-calc-bi__btn--secondary\" data-goto-tab=\"3\">\n                Check My Indemnity Period \u2192            <\/button>\n        <\/div>\n    <\/div>\n<\/div>\n        <\/div>\n        <div class=\"a360-calc-bi__panel\" role=\"tabpanel\" id=\"a360-panel-3\" aria-labelledby=\"a360-tab-3\" hidden>\n            \n<div class=\"a360-calc-bi__calculator\" data-calculator=\"3\">\n    <h2 class=\"a360-calc-bi__calc-title\">Recommended Indemnity Period<\/h2>\n    <p class=\"a360-calc-bi__calc-desc\">Determine the adequate coverage duration based on your business sector, equipment complexity and client type.<\/p>\n\n    <form class=\"a360-calc-bi__form\" id=\"a360-form-pi\" novalidate>\n        <div class=\"a360-calc-bi__form-grid\">\n            <div class=\"a360-calc-bi__field\">\n                <label for=\"a360-pi-secteur\" class=\"a360-calc-bi__label\">\n                    Business Sector <span class=\"a360-calc-bi__required\">*<\/span>\n                <\/label>\n                <select id=\"a360-pi-secteur\" name=\"secteur\" class=\"a360-calc-bi__select\" required>\n                    <option value=\"\">\u2014 Select \u2014<\/option>\n                    <option value=\"restaurant\">Restaurant \/ Hospitality<\/option>\n                    <option value=\"commerce\">Retail<\/option>\n                    <option value=\"manufacturier\">Manufacturing<\/option>\n                    <option value=\"construction\">Construction<\/option>\n                    <option value=\"services\">Professional Services (Office)<\/option>\n                    <option value=\"transport\">Transportation \/ Logistics<\/option>\n                    <option value=\"sante\">Healthcare \/ Clinic<\/option>\n                    <option value=\"autre\">Other<\/option>\n                <\/select>\n            <\/div>\n\n            <div class=\"a360-calc-bi__field\">\n                <label for=\"a360-pi-taille\" class=\"a360-calc-bi__label\">\n                    Company Size <span class=\"a360-calc-bi__required\">*<\/span>\n                <\/label>\n                <select id=\"a360-pi-taille\" name=\"taille\" class=\"a360-calc-bi__select\" required>\n                    <option value=\"\">\u2014 Select \u2014<\/option>\n                    <option value=\"micro\">Micro (&lt; 10 employees)<\/option>\n                    <option value=\"petite\">Small (10-49 employees)<\/option>\n                    <option value=\"moyenne\">Medium (50-249 employees)<\/option>\n                <\/select>\n            <\/div>\n        <\/div>\n\n        <!-- Complexit\u00e9 \u00e9quipements -->\n        <fieldset class=\"a360-calc-bi__fieldset\">\n            <legend class=\"a360-calc-bi__legend\">Equipment Complexity \/ Replacement Time<\/legend>\n            <div class=\"a360-calc-bi__radio-group\">\n                <label class=\"a360-calc-bi__radio-label\">\n                    <input type=\"radio\" name=\"complexite\" value=\"standard\" class=\"a360-calc-bi__radio\" checked \/>\n                    <span>Standard (2-4 weeks)<\/span>\n                <\/label>\n                <label class=\"a360-calc-bi__radio-label\">\n                    <input type=\"radio\" name=\"complexite\" value=\"specialise\" class=\"a360-calc-bi__radio\" \/>\n                    <span>Specialized (2-6 months)<\/span>\n                <\/label>\n                <label class=\"a360-calc-bi__radio-label\">\n                    <input type=\"radio\" name=\"complexite\" value=\"sur_mesure\" class=\"a360-calc-bi__radio\" \/>\n                    <span>Custom \/ Imported (6-18 months)<\/span>\n                <\/label>\n            <\/div>\n        <\/fieldset>\n\n        <!-- D\u00e9pendance clients -->\n        <fieldset class=\"a360-calc-bi__fieldset\">\n            <legend class=\"a360-calc-bi__legend\">Client Dependency \/ Estimated Ramp-up<\/legend>\n            <div class=\"a360-calc-bi__radio-group\">\n                <label class=\"a360-calc-bi__radio-label\">\n                    <input type=\"radio\" name=\"rampup\" value=\"transitoire\" class=\"a360-calc-bi__radio\" checked \/>\n                    <span>Transient Clientele (quick return)<\/span>\n                <\/label>\n                <label class=\"a360-calc-bi__radio-label\">\n                    <input type=\"radio\" name=\"rampup\" value=\"fidele\" class=\"a360-calc-bi__radio\" \/>\n                    <span>Loyal Clientele (return in 1-3 months)<\/span>\n                <\/label>\n                <label class=\"a360-calc-bi__radio-label\">\n                    <input type=\"radio\" name=\"rampup\" value=\"contractuelle\" class=\"a360-calc-bi__radio\" \/>\n                    <span>Long-term Contractual Clients (return in 6-12 months)<\/span>\n                <\/label>\n            <\/div>\n        <\/fieldset>\n\n        <button type=\"submit\" class=\"a360-calc-bi__btn a360-calc-bi__btn--primary a360-calc-bi__btn--full\">\n            Calculate Recommended Period        <\/button>\n    <\/form>\n\n    <!-- R\u00e9sultats -->\n    <div class=\"a360-calc-bi__results\" id=\"a360-results-3\" hidden aria-live=\"polite\" style=\"min-height:200px;\">\n        <h3 class=\"a360-calc-bi__results-title\">Recommended Indemnity Period<\/h3>\n\n        <div class=\"a360-calc-bi__period-result\">\n            <div class=\"a360-calc-bi__period-big\">\n                <span class=\"a360-calc-bi__period-number\" id=\"a360-pi-mois\">\u2014<\/span>\n                <span class=\"a360-calc-bi__period-unit\">months minimum<\/span>\n            <\/div>\n            <div class=\"a360-calc-bi__period-breakdown\" id=\"a360-pi-breakdown\">\n            <\/div>\n        <\/div>\n\n        <!-- Alerte si p\u00e9riode actuelle insuffisante -->\n        <div class=\"a360-calc-bi__alert a360-calc-bi__alert--info\" id=\"a360-pi-alert\" hidden>\n            \n        <\/div>\n\n        <div class=\"a360-calc-bi__results-actions\">\n            <button type=\"button\" class=\"a360-calc-bi__btn a360-calc-bi__btn--secondary\" data-goto-tab=\"2\">\n                \u2190 Test with this period in calculator 2            <\/button>\n            <button type=\"button\" class=\"a360-calc-bi__btn a360-calc-bi__btn--secondary\" data-goto-tab=\"4\">\n                Simulate a complete loss \u2192            <\/button>\n        <\/div>\n    <\/div>\n<\/div>\n        <\/div>\n        <div class=\"a360-calc-bi__panel\" role=\"tabpanel\" id=\"a360-panel-4\" aria-labelledby=\"a360-tab-4\" hidden>\n            \n<div class=\"a360-calc-bi__calculator\" data-calculator=\"4\">\n    <h2 class=\"a360-calc-bi__calc-title\">Complete Loss Simulation<\/h2>\n    <p class=\"a360-calc-bi__calc-desc\">Simulate the financial impact of a loss on your business under different scenarios.<\/p>\n\n    <form class=\"a360-calc-bi__form\" id=\"a360-form-pc\" novalidate>\n        <div class=\"a360-calc-bi__form-grid\">\n            <div class=\"a360-calc-bi__field a360-calc-bi__field--full\">\n                <label for=\"a360-pc-scenario\" class=\"a360-calc-bi__label\">\n                    Loss Scenario                <\/label>\n                <select id=\"a360-pc-scenario\" name=\"scenario\" class=\"a360-calc-bi__select\">\n                    <option value=\"incendie_partiel\" data-duree=\"3\">Partial Fire (3-month closure)<\/option>\n                    <option value=\"incendie_majeur\" data-duree=\"12\">Major Fire (12-month closure)<\/option>\n                    <option value=\"degat_eau\" data-duree=\"2\">Significant Water Damage (2-month closure)<\/option>\n                    <option value=\"cyber\" data-duree=\"0.75\">Cyberattack \/ Ransomware (3-week closure)<\/option>\n                    <option value=\"bris_equipement\" data-duree=\"1\">Critical Equipment Breakdown (1-month closure)<\/option>\n                    <option value=\"personnalise\" data-duree=\"0\">Custom Scenario<\/option>\n                <\/select>\n            <\/div>\n\n            <div class=\"a360-calc-bi__field\">\n                <label for=\"a360-pc-ca-mensuel\" class=\"a360-calc-bi__label\">\n                    Average Monthly Revenue <span class=\"a360-calc-bi__required\">*<\/span>\n                <\/label>\n                <div class=\"a360-calc-bi__input-wrap\">\n                    <input type=\"text\" id=\"a360-pc-ca-mensuel\" name=\"ca_mensuel\" class=\"a360-calc-bi__input a360-calc-bi__input--currency\" inputmode=\"numeric\" required placeholder=\"200 000\" \/>\n                    <span class=\"a360-calc-bi__input-suffix\">$<\/span>\n                <\/div>\n            <\/div>\n\n            <div class=\"a360-calc-bi__field\">\n                <label for=\"a360-pc-taux-bb\" class=\"a360-calc-bi__label\">\n                    GP Rate <span class=\"a360-calc-bi__required\">*<\/span>\n                <\/label>\n                <div class=\"a360-calc-bi__input-wrap\">\n                    <input type=\"text\" id=\"a360-pc-taux-bb\" name=\"taux_bb\" class=\"a360-calc-bi__input\" inputmode=\"decimal\" required placeholder=\"55\" \/>\n                    <span class=\"a360-calc-bi__input-suffix\">%<\/span>\n                <\/div>\n                <small class=\"a360-calc-bi__hint\" id=\"a360-pc-taux-hint\" hidden>Pre-filled from calculator 1<\/small>\n            <\/div>\n\n            <div class=\"a360-calc-bi__field\">\n                <label for=\"a360-pc-duree\" class=\"a360-calc-bi__label\">\n                    Closure Duration (months)                <\/label>\n                <div class=\"a360-calc-bi__input-wrap\">\n                    <input type=\"text\" id=\"a360-pc-duree\" name=\"duree_fermeture\" class=\"a360-calc-bi__input\" inputmode=\"decimal\" placeholder=\"3\" \/>\n                <\/div>\n            <\/div>\n\n            <div class=\"a360-calc-bi__field\">\n                <label for=\"a360-pc-icow\" class=\"a360-calc-bi__label\">\n                    Estimated ICOW (Extra Expenses)                <\/label>\n                <div class=\"a360-calc-bi__input-wrap\">\n                    <input type=\"text\" id=\"a360-pc-icow\" name=\"icow\" class=\"a360-calc-bi__input a360-calc-bi__input--currency\" inputmode=\"numeric\" placeholder=\"80 000\" \/>\n                    <span class=\"a360-calc-bi__input-suffix\">$<\/span>\n                <\/div>\n                <small class=\"a360-calc-bi__hint\">Temporary premises, subcontracting, overtime\u2026<\/small>\n            <\/div>\n\n            <div class=\"a360-calc-bi__field\">\n                <label for=\"a360-pc-economies\" class=\"a360-calc-bi__label\">\n                    Savings During Closure                <\/label>\n                <div class=\"a360-calc-bi__input-wrap\">\n                    <input type=\"text\" id=\"a360-pc-economies\" name=\"economies\" class=\"a360-calc-bi__input a360-calc-bi__input--currency\" inputmode=\"numeric\" placeholder=\"45 000\" \/>\n                    <span class=\"a360-calc-bi__input-suffix\">$<\/span>\n                <\/div>\n                <small class=\"a360-calc-bi__hint\">Unpurchased materials, electricity, unpaid commissions\u2026<\/small>\n            <\/div>\n        <\/div>\n\n        <button type=\"submit\" class=\"a360-calc-bi__btn a360-calc-bi__btn--primary a360-calc-bi__btn--full\">\n            Simulate the Loss        <\/button>\n    <\/form>\n\n    <!-- R\u00e9sultats -->\n    <div class=\"a360-calc-bi__results\" id=\"a360-results-4\" hidden aria-live=\"polite\" style=\"min-height:300px;\">\n        <h3 class=\"a360-calc-bi__results-title\">Loss Breakdown<\/h3>\n\n        <!-- Waterfall -->\n        <div class=\"a360-calc-bi__waterfall\" id=\"a360-pc-waterfall\">\n            <div class=\"a360-calc-bi__waterfall-row\">\n                <span class=\"a360-calc-bi__waterfall-label\">Revenue Loss<\/span>\n                <span class=\"a360-calc-bi__waterfall-bar a360-calc-bi__waterfall-bar--neutral\" id=\"a360-pc-w-ca\"><\/span>\n                <span class=\"a360-calc-bi__waterfall-value\" id=\"a360-pc-v-ca\">\u2014<\/span>\n            <\/div>\n            <div class=\"a360-calc-bi__waterfall-row\">\n                <span class=\"a360-calc-bi__waterfall-label\">Gross Profit Loss<\/span>\n                <span class=\"a360-calc-bi__waterfall-bar a360-calc-bi__waterfall-bar--loss\" id=\"a360-pc-w-bb\"><\/span>\n                <span class=\"a360-calc-bi__waterfall-value\" id=\"a360-pc-v-bb\">\u2014<\/span>\n            <\/div>\n            <div class=\"a360-calc-bi__waterfall-row\">\n                <span class=\"a360-calc-bi__waterfall-label\">+ ICOW<\/span>\n                <span class=\"a360-calc-bi__waterfall-bar a360-calc-bi__waterfall-bar--add\" id=\"a360-pc-w-icow\"><\/span>\n                <span class=\"a360-calc-bi__waterfall-value\" id=\"a360-pc-v-icow\">\u2014<\/span>\n            <\/div>\n            <div class=\"a360-calc-bi__waterfall-row\">\n                <span class=\"a360-calc-bi__waterfall-label\">\u2212 Savings<\/span>\n                <span class=\"a360-calc-bi__waterfall-bar a360-calc-bi__waterfall-bar--save\" id=\"a360-pc-w-eco\"><\/span>\n                <span class=\"a360-calc-bi__waterfall-value\" id=\"a360-pc-v-eco\">\u2014<\/span>\n            <\/div>\n            <div class=\"a360-calc-bi__waterfall-row a360-calc-bi__waterfall-row--total\">\n                <span class=\"a360-calc-bi__waterfall-label\">= Insurable Loss<\/span>\n                <span class=\"a360-calc-bi__waterfall-bar a360-calc-bi__waterfall-bar--total\" id=\"a360-pc-w-total\"><\/span>\n                <span class=\"a360-calc-bi__waterfall-value\" id=\"a360-pc-v-total\">\u2014<\/span>\n            <\/div>\n        <\/div>\n\n        <!-- Comparaison avec police -->\n        <div class=\"a360-calc-bi__alert a360-calc-bi__alert--info\" id=\"a360-pc-coverage-alert\" hidden>\n            \n        <\/div>\n\n        <div class=\"a360-calc-bi__results-actions\">\n            <button type=\"button\" class=\"a360-calc-bi__btn a360-calc-bi__btn--primary\" data-open-lead-modal>\n                Protect Yourself \u2014 Request a Review            <\/button>\n        <\/div>\n    <\/div>\n<\/div>\n        <\/div>\n    <\/div>\n\n    <!-- Section \u00e9ducative -->\n    \n<div class=\"a360-calc-bi__section a360-calc-bi__section--educative\">\n    <h2>Understanding the Coinsurance Rule in Business Insurance<\/h2>\n\n    <p>The coinsurance rule is one of the most misunderstood concepts in business interruption insurance in Quebec. It determines whether your indemnity will be full or reduced in case of a claim.<\/p>\n\n    <h3>What is Insurance Gross Profit?<\/h3>\n    <p>Insurance gross profit (GP) does not correspond to your company&#039;s net profit. It is your revenue minus uninsured variable expenses \u2014 costs that naturally stop during a business interruption. It therefore includes your fixed costs (rent, salaries, insurance, depreciation) and your net profit. This is the amount your insurer uses to calculate your business interruption coverage.<\/p>\n\n    <h3>How Does the Coinsurance Rule Work?<\/h3>\n    <p>Your business interruption policy contains a coinsurance clause, typically set at 80%. This means you must insure at least 80% of your projected gross profit over the indemnity period. If your insured amount is below this threshold, the insurer applies a proportional penalty on every claim \u2014 even for small losses.<\/p>\n\n    <div class=\"a360-calc-bi__formula-box\">\n        <h4>The Coinsurance Rule Formula<\/h4>\n        <div class=\"a360-calc-bi__formula\">\n            <p><strong>Required Amount<\/strong> = Projected GP \u00d7 coinsurance rate \u00d7 (indemnity period \/ 12)<\/p>\n            <p><strong>Indemnity<\/strong> = Loss \u00d7 (Insured Amount \/ Required Amount)<\/p>\n            <p><em>If the insured amount is equal to or greater than the required amount, the indemnity covers 100% of the loss.<\/em><\/p>\n        <\/div>\n    <\/div>\n\n    <h3>Concrete Example: The Impact of Underinsurance<\/h3>\n    <p>Consider a manufacturing SME in Laval with a projected gross profit of $1,100,000. With 80% coinsurance and a 12-month period, the required amount is $880,000. If the company is only insured for $600,000, it is underinsured. For a $300,000 claim, the insurer will apply the coinsurance rule: the indemnity will be reduced to $204,545, leaving $95,455 for the company to absorb.<\/p>\n\n    <h3>The Indemnity Period: An Often Underestimated Factor<\/h3>\n    <p>The indemnity period must cover not only the physical reconstruction of your premises and equipment replacement, but also the time needed to regain your clientele and normal operating pace. For a restaurant, allow 12 to 18 months. For a manufacturer with specialized imported equipment, 24 to 36 months may be necessary.<\/p>\n\n    <h3>Increased Cost of Working (ICOW)<\/h3>\n    <p>Increased Cost of Working (ICOW) represent exceptional expenses incurred to maintain or restart your operations: temporary premises rental, subcontracting, overtime, express material shipping. These costs are covered in addition to the gross profit loss, provided they are reasonably incurred to reduce the overall loss.<\/p>\n\n    <h3>5 Common Mistakes in Business Interruption Insurance<\/h3>\n    <div class=\"a360-calc-bi__errors-list\">\n        <div class=\"a360-calc-bi__error-item\">\n            <span class=\"a360-calc-bi__error-num\">1<\/span>\n            <div>\n                <strong>Confusing insurance gross profit with net profit<\/strong>\n                <p>Insurance GP includes all your fixed costs \u2014 it is typically 40 to 70% of your revenue.<\/p>\n            <\/div>\n        <\/div>\n        <div class=\"a360-calc-bi__error-item\">\n            <span class=\"a360-calc-bi__error-num\">2<\/span>\n            <div>\n                <strong>Not updating the insured amount each year<\/strong>\n                <p>If your revenue increases without adjusting your coverage, you automatically fall into underinsurance.<\/p>\n            <\/div>\n        <\/div>\n        <div class=\"a360-calc-bi__error-item\">\n            <span class=\"a360-calc-bi__error-num\">3<\/span>\n            <div>\n                <strong>Underestimating the indemnity period<\/strong>\n                <p>Reconstruction always takes longer than expected. Add the time to return to normal clientele.<\/p>\n            <\/div>\n        <\/div>\n        <div class=\"a360-calc-bi__error-item\">\n            <span class=\"a360-calc-bi__error-num\">4<\/span>\n            <div>\n                <strong>Ignoring the coinsurance clause<\/strong>\n                <p>The penalty applies to EVERY claim, even a small $50,000 loss.<\/p>\n            <\/div>\n        <\/div>\n        <div class=\"a360-calc-bi__error-item\">\n            <span class=\"a360-calc-bi__error-num\">5<\/span>\n            <div>\n                <strong>Not documenting your variable expenses<\/strong>\n                <p>Without precise documentation, the claim settlement will be lengthy and potentially unfavorable.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n\n    <h3>Most At-Risk Sectors in Quebec<\/h3>\n    <p>Certain industries are particularly vulnerable to prolonged business interruption. Restaurants and hotels in Montreal, Quebec City and Gatineau depend on commercial equipment with 3 to 6 month delivery times. Manufacturers in Drummondville, Sherbrooke and Trois-Rivi\u00e8res often use machine tools imported from Europe or Asia. Healthcare clinics in Laval, Longueuil and L\u00e9vis must maintain their clientele during reconstruction. Construction companies in Saguenay, Saint-Jean-sur-Richelieu and Rimouski are vulnerable to heavy equipment breakdown.<\/p>\n<\/div>\n\n    <!-- FAQ -->\n    \n<div class=\"a360-calc-bi__section a360-calc-bi__section--faq\">\n    <h2>Frequently Asked Questions About Business Interruption<\/h2>\n\n    <div class=\"a360-calc-bi__faq-list\">\n        <details class=\"a360-calc-bi__faq-item\">\n            <summary class=\"a360-calc-bi__faq-question\">What is Business Interruption (BI) Insurance?<\/summary>\n            <div class=\"a360-calc-bi__faq-answer\">\n                <p>Business Interruption (BI) insurance covers the loss of income a business suffers when a covered peril (fire, water damage, etc.) forces operations to stop or slow down. It reimburses lost gross profit and extra expenses incurred to resume operations.<\/p>\n            <\/div>\n        <\/details>\n\n        <details class=\"a360-calc-bi__faq-item\">\n            <summary class=\"a360-calc-bi__faq-question\">How Do I Calculate My Insurance Gross Profit?<\/summary>\n            <div class=\"a360-calc-bi__faq-answer\">\n                <p>Subtract all uninsured variable expenses from your annual revenue: merchandise purchases, variable commissions, outbound shipping, variable bank fees and supplies. The result is your insurance gross profit. Use our calculator above for a precise calculation tailored to your situation.<\/p>\n            <\/div>\n        <\/details>\n\n        <details class=\"a360-calc-bi__faq-item\">\n            <summary class=\"a360-calc-bi__faq-question\">What is the Coinsurance (Proportional) Rule in Insurance?<\/summary>\n            <div class=\"a360-calc-bi__faq-answer\">\n                <p>The coinsurance rule penalizes policyholders whose insured amount is less than the required coinsurance percentage. If you are underinsured, the indemnity will be reduced proportionally to the ratio between the insured amount and the required amount, even for a small claim.<\/p>\n            <\/div>\n        <\/details>\n\n        <details class=\"a360-calc-bi__faq-item\">\n            <summary class=\"a360-calc-bi__faq-question\">What Indemnity Period Should I Choose for My Business?<\/summary>\n            <div class=\"a360-calc-bi__faq-answer\">\n                <p>The indemnity period must cover reconstruction time, equipment replacement AND return to normal operations. For retail, 12 to 18 months is usually sufficient. For a manufacturer with specialized equipment, plan for 24 to 36 months. Use our recommended period calculator.<\/p>\n            <\/div>\n        <\/details>\n\n        <details class=\"a360-calc-bi__faq-item\">\n            <summary class=\"a360-calc-bi__faq-question\">What are ICOW (Increased Cost of Working)?<\/summary>\n            <div class=\"a360-calc-bi__faq-answer\">\n                <p>ICOW (Increased Cost of Working) are exceptional expenses incurred to maintain your operations after a loss: temporary premises, subcontracting, overtime, express shipping. They are covered in addition to the gross profit loss if reasonably incurred to reduce the total loss.<\/p>\n            <\/div>\n        <\/details>\n\n        <details class=\"a360-calc-bi__faq-item\">\n            <summary class=\"a360-calc-bi__faq-question\">How Much Does Business Interruption Insurance Cost in Quebec?<\/summary>\n            <div class=\"a360-calc-bi__faq-answer\">\n                <p>The cost varies depending on your sector, revenue, insured amount and claims history. On average, a Quebec SME pays between 0.5% and 2% of the insured amount per year. An Assur360 partner broker can compare offers from multiple insurers to find the best coverage-to-price ratio.<\/p>\n            <\/div>\n        <\/details>\n\n        <details class=\"a360-calc-bi__faq-item\">\n            <summary class=\"a360-calc-bi__faq-question\">Is Business Interruption Automatically Covered in My Commercial Policy?<\/summary>\n            <div class=\"a360-calc-bi__faq-answer\">\n                <p>No. Business interruption insurance is a separate endorsement that must be specifically added to your commercial insurance policy. Without this endorsement, only property damage is covered. About 40% of Quebec SMEs have no business interruption coverage.<\/p>\n            <\/div>\n        <\/details>\n\n        <details class=\"a360-calc-bi__faq-item\">\n            <summary class=\"a360-calc-bi__faq-question\">What Should I Do If I Am Underinsured?<\/summary>\n            <div class=\"a360-calc-bi__faq-answer\">\n                <p>Contact your broker immediately to adjust your insured amount. The additional premium cost is usually minimal compared to the potential penalty in case of a claim. Use our underinsurance detector above to assess your situation, then request a free review of your policy.<\/p>\n            <\/div>\n        <\/details>\n\n        <details class=\"a360-calc-bi__faq-item\">\n            <summary class=\"a360-calc-bi__faq-question\">Are Cyberattacks Covered by Business Interruption Insurance?<\/summary>\n            <div class=\"a360-calc-bi__faq-answer\">\n                <p>Most traditional business interruption policies exclude cyberattacks. A dedicated cyber insurance policy with a business interruption component is needed to cover losses related to ransomware, data breaches or IT system failures. Ask your broker about combined coverage.<\/p>\n            <\/div>\n        <\/details>\n\n        <details class=\"a360-calc-bi__faq-item\">\n            <summary class=\"a360-calc-bi__faq-question\">Why Use an Assur360 Partner Broker for My Business Insurance?<\/summary>\n            <div class=\"a360-calc-bi__faq-answer\">\n                <p>An Assur360 partner broker works for you, not the insurer. They compare offers from multiple companies, negotiate terms and ensure your business interruption coverage is adequate. Their expertise can prevent costly mistakes like underinsurance or an insufficient indemnity period.<\/p>\n            <\/div>\n        <\/details>\n    <\/div>\n<\/div>\n\n    <!-- CTA Lead Capture -->\n    \n<!-- CTA Section -->\n<div class=\"a360-calc-bi__section a360-calc-bi__section--cta\">\n    <h2>Get a Personalized Analysis from an Assur360 Partner Broker<\/h2>\n    <p>Our partner property and casualty insurance brokers analyze your current coverage for free and propose solutions tailored to your business.<\/p>\n\n    <form class=\"a360-calc-bi__lead-form\" id=\"a360-lead-form\" novalidate>\n        <div class=\"a360-calc-bi__form-grid a360-calc-bi__form-grid--lead\">\n            <div class=\"a360-calc-bi__field\">\n                <label for=\"a360-lead-prenom\" class=\"a360-calc-bi__label\">First Name <span class=\"a360-calc-bi__required\">*<\/span><\/label>\n                <input type=\"text\" id=\"a360-lead-prenom\" name=\"first_name\" class=\"a360-calc-bi__input\" required autocomplete=\"given-name\" \/>\n            <\/div>\n            <div class=\"a360-calc-bi__field\">\n                <label for=\"a360-lead-nom\" class=\"a360-calc-bi__label\">Last Name <span class=\"a360-calc-bi__required\">*<\/span><\/label>\n                <input type=\"text\" id=\"a360-lead-nom\" name=\"last_name\" class=\"a360-calc-bi__input\" required autocomplete=\"family-name\" \/>\n            <\/div>\n            <div class=\"a360-calc-bi__field\">\n                <label for=\"a360-lead-entreprise\" class=\"a360-calc-bi__label\">Company <span class=\"a360-calc-bi__required\">*<\/span><\/label>\n                <input type=\"text\" id=\"a360-lead-entreprise\" name=\"company\" class=\"a360-calc-bi__input\" required autocomplete=\"organization\" \/>\n            <\/div>\n            <div class=\"a360-calc-bi__field\">\n                <label for=\"a360-lead-email\" class=\"a360-calc-bi__label\">Email <span class=\"a360-calc-bi__required\">*<\/span><\/label>\n                <input type=\"email\" id=\"a360-lead-email\" name=\"email\" class=\"a360-calc-bi__input\" required autocomplete=\"email\" \/>\n            <\/div>\n            <div class=\"a360-calc-bi__field\">\n                <label for=\"a360-lead-tel\" class=\"a360-calc-bi__label\">Phone <span class=\"a360-calc-bi__required\">*<\/span><\/label>\n                <input type=\"tel\" id=\"a360-lead-tel\" name=\"phone\" class=\"a360-calc-bi__input\" required autocomplete=\"tel\" placeholder=\"514-555-1234\" \/>\n            <\/div>\n            <div class=\"a360-calc-bi__field\">\n                <label for=\"a360-lead-cp\" class=\"a360-calc-bi__label\">Postal Code <span class=\"a360-calc-bi__required\">*<\/span><\/label>\n                <input type=\"text\" id=\"a360-lead-cp\" name=\"postal_code\" class=\"a360-calc-bi__input\" required autocomplete=\"postal-code\" placeholder=\"H2X 1Y4\" maxlength=\"7\" \/>\n            <\/div>\n            <div class=\"a360-calc-bi__field a360-calc-bi__field--full\">\n                <label for=\"a360-lead-secteur\" class=\"a360-calc-bi__label\">Business Sector<\/label>\n                <select id=\"a360-lead-secteur\" name=\"sector\" class=\"a360-calc-bi__select\">\n                    <option value=\"\">\u2014 Select \u2014<\/option>\n                    <option value=\"restaurant\">Restaurant \/ Hospitality<\/option>\n                    <option value=\"commerce\">Retail<\/option>\n                    <option value=\"manufacturier\">Manufacturing<\/option>\n                    <option value=\"construction\">Construction<\/option>\n                    <option value=\"services\">Professional Services<\/option>\n                    <option value=\"transport\">Transportation \/ Logistics<\/option>\n                    <option value=\"sante\">Healthcare \/ Clinic<\/option>\n                    <option value=\"autre\">Other<\/option>\n                <\/select>\n            <\/div>\n        <\/div>\n\n        <!-- Consentements -->\n        <div class=\"a360-calc-bi__consents\">\n            <label class=\"a360-calc-bi__checkbox-label\">\n                <input type=\"checkbox\" name=\"consent_loi25\" id=\"a360-lead-consent\" class=\"a360-calc-bi__checkbox\" required \/>\n                <span>I authorize Assur360 to collect, use and retain the personal information I provide for the purpose of processing my insurance analysis request and communicating with me. I understand that my information will be retained in accordance with our privacy policy compliant with Law 25 and that I may withdraw my consent at any time at privacy@assur360.ca.<\/span>\n                <span class=\"a360-calc-bi__required\">*<\/span>\n            <\/label>\n            <label class=\"a360-calc-bi__checkbox-label\">\n                <input type=\"checkbox\" name=\"consent_marketing\" id=\"a360-lead-marketing\" class=\"a360-calc-bi__checkbox\" \/>\n                <span>I agree to receive marketing communications and business insurance advice from Assur360. I can unsubscribe at any time.<\/span>\n            <\/label>\n        <\/div>\n\n        <button type=\"submit\" class=\"a360-calc-bi__btn a360-calc-bi__btn--primary a360-calc-bi__btn--full\" id=\"a360-lead-submit\">\n            Get My Free Analysis        <\/button>\n\n        <div class=\"a360-calc-bi__form-message\" id=\"a360-lead-message\" hidden aria-live=\"polite\"><\/div>\n    <\/form>\n<\/div>\n\n<!-- Modal Lead (accessible depuis les alertes sous-assurance) -->\n<dialog class=\"a360-calc-bi__modal\" id=\"a360-lead-modal\" aria-labelledby=\"a360-modal-title\">\n    <div class=\"a360-calc-bi__modal-content\">\n        <button type=\"button\" class=\"a360-calc-bi__modal-close\" aria-label=\"Close\">&times;<\/button>\n        <h3 id=\"a360-modal-title\">Get My Policy Reviewed for Free<\/h3>\n        <p>Fill in the form below. An Assur360 partner broker will analyze your situation within 24 business hours.<\/p>\n        <a href=\"#a360-lead-form\" class=\"a360-calc-bi__btn a360-calc-bi__btn--primary\" id=\"a360-modal-goto-form\">\n            Go to form \u2193        <\/a>\n    <\/div>\n<\/dialog>\n\n    <!-- Avertissement -->\n    <div class=\"a360-calc-bi__amf\">\n        <p>\n            The estimates provided by this tool are for informational purposes only and do not constitute an insurance quote, professional opinion or formal advice. 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