{"id":20004,"date":"2021-06-07T10:37:59","date_gmt":"2021-06-07T14:37:59","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/home-insurance-in-quebec-2\/insurance-broker-in-quebec-comparator-1-2\/"},"modified":"2026-06-26T00:54:43","modified_gmt":"2026-06-26T04:54:43","slug":"insurance-broker-in-quebec-comparator-1-2","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/insurance-broker-in-quebec-comparator-1-2\/","title":{"rendered":"Insurance broker in Quebec: Comparator #1"},"content":{"rendered":"\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"Article\", \"@id\": \"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/le-courtier-dassurance-au-quebec\/#article\", \"headline\": \"Insurance Broker in Quebec: Comparison #1\", \"url\": \"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/le-courtier-dassurance-au-quebec\/\", \"datePublished\": \"2021-06-07T10:37:59\", \"dateModified\": \"2026-03-27T12:37:09\", \"author\": {\"@type\": \"Person\", \"name\": \"Jean Boissonneault\", \"url\": \"https:\/\/www.assur360.ca\/blog\/author\/admin\/\", \"description\": \"Jean Boissonneault, certified AMF insurance broker (n\u00ba 2000037336), has owned Assur360 for over 30 years.\", \"hasCredential\": {\"@type\": \"EducationalOccupationalCredential\", \"credentialCategory\": \"Property and Casualty Insurance Firm License (n\u00ba 2000037336)\", \"recognizedBy\": {\"@type\": \"Organization\", \"name\": \"Autorit\u00e9 des march\u00e9s financiers\", \"url\": \"https:\/\/lautorite.qc.ca\"}}}, \"publisher\": {\"@type\": \"Organization\", \"name\": \"Assur360\", \"url\": \"https:\/\/www.assur360.ca\", \"logo\": {\"@type\": \"ImageObject\", \"url\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/01\/assur360-logo.png\"}}, \"inLanguage\": \"fr-CA\", \"description\": \"The insurance broker in Quebec is an extremely important professional for the security of businesses and individuals. They will know how to shop online.\"}\n<\/script>\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">sommaire interactif<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #5b5b5b;color:#5b5b5b\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #5b5b5b;color:#5b5b5b\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/insurance-broker-in-quebec-comparator-1-2\/#i\" >\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/insurance-broker-in-quebec-comparator-1-2\/#What-are-the-benefits-of-using-an-insurance-broker\" >What are the benefits of using an insurance broker?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/insurance-broker-in-quebec-comparator-1-2\/#The-insurance-broker-focuses-on-customer-satisfaction\" >The insurance broker focuses on customer satisfaction<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/insurance-broker-in-quebec-comparator-1-2\/#The-insurance-broker-highlights-its-availability\" >The insurance broker highlights its availability<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/insurance-broker-in-quebec-comparator-1-2\/#Experience-as-a-professional-asset\" >Experience as a professional asset<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/insurance-broker-in-quebec-comparator-1-2\/#Frequently-asked-questions\" >Frequently asked questions<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"i\"><\/span>\u00a0<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-are-the-benefits-of-using-an-insurance-broker\"><\/span>What are the benefits of using an insurance broker?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">First of all, it is important to know that an insurance broker plays the role of intermediary between an insurance company and a customer. Hence the usefulness of asking the question: why go through a third party rather than dealing directly with an insurer? To answer this, here are some answers  <\/p>\n\n<h3 class=\"wp-block-heading\">Getting the best deal<\/h3>\n\n<p class=\"wp-block-paragraph\">As an intermediary, the insurance broker is a person who knows just about everything there is to know about the insurance industry. This includes insurance companies and the coverage offers they provide to their customers. To do this,<a href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/home-insurance-broker\/\" title=\"Home Broker\"> the insurance broker<\/a> uses their expertise to give valuable advice. They will also play the role of switchman in the face of the complexity of the market. In a way, the potential subscriber can have a wide choice when dealing with an intermediary. It will be the opposite if their direct interlocutor is an insurer. In this case, the choices would be limited to the different roofing services offered by the brand.      <\/p>\n\n<figure class=\"wp-block-image alignleft\"><a href=\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2021\/06\/courtier-dassurance-entreprise.jpg\"><img decoding=\"async\" width=\"1024\" height=\"300\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_webp,s_webp\/www.assur360.ca\/wp-content\/uploads\/2021\/06\/courtier-dassurance-entreprise.jpg\" alt=\"Commercial Broker\" class=\"wp-image-5512\" title=\"Commercial Quote\"  sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-insurance-broker-focuses-on-customer-satisfaction\"><\/span>The insurance broker focuses on customer satisfaction<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">By being <a href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/independent-insurance-broker\/\" title=\"Independent Broker in Quebec\">independent, the insurance broker<\/a> can advise a client according to the type of coverage they are looking for. Moreover, they may have the appropriate hindsight to know the most suitable offer for the guarantees sought by their client. For the customer, this is an undeniable advantage, especially if they are not familiar with the field of mutualization.<\/p>\n\n<h3 class=\"wp-block-heading\">Are the fees of an insurance broker an advantage?<\/h3>\n\n<p class=\"wp-block-paragraph\">In a way, hiring an insurance broker can turn to the advantage of the individual or <a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\" title=\"Company Quote in Montreal\">the company<\/a>. This is especially true when it comes to fees. Making direct transactions with an insurance company can be more expensive than going through an intermediary. Moreover, the latter rely on the attractiveness of their fees to attract clients to them.<\/p>\n\n<figure class=\"wp-block-image alignleft\"><a href=\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2021\/06\/Quebec-courtier-assurance-auto.jpg\"><img decoding=\"async\" width=\"1024\" height=\"300\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_webp,s_webp\/www.assur360.ca\/wp-content\/uploads\/2021\/06\/Quebec-courtier-assurance-auto.jpg\" alt=\"Car broker\" class=\"wp-image-5511\"  sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-insurance-broker-highlights-its-availability\"><\/span>The insurance broker highlights its availability<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Ideally, an insurance broker acts as a support for their client, especially individuals and companies. In other words, they provide personalized services, which the customer can request in case of difficulty or need. They also provide advice and guidance to best understand the complexity of the conditionalities of <a href=\"https:\/\/www.legisquebec.gouv.qc.ca\/fr\/document\/lc\/A-32\" target=\"_blank\" rel=\"noopener nofollow\" title=\"Insurance Act\">insurance contracts<\/a>.  <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Experience-as-a-professional-asset\"><\/span>Experience as a professional asset<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Like all <a href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/self-employed-insurance\/\" title=\"Self-employed insurer in Quebec\">freelancers<\/a>, years of experience are used to convince clients about the level of expertise. It is also the mark of a certain competence, particularly in the sphere of mutualization. <\/p>\n\n<h3 class=\"wp-block-heading\">The position of an insurance broker<\/h3>\n\n<p class=\"wp-block-paragraph\">It should not be forgotten that the position of intermediary for an insurance broker can be an advantage for both the client and the broker themselves. Their position as a third party allows them to deliver advice with an objective eye, unlike an insurer working on behalf of an insurance company. <\/p>\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/my-insurance-broker-2\/\" title=\"Online insurance broker\">An insurance broker<\/a> can also enrich their expertise by keeping a watch on changes in insurance coverage. That is to say, by keeping abreast of new developments in the pooling market. In addition, there are the preferred sectors of the broker in question. They will be more interested in knowing about innovations in their field.   <\/p>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p class=\"wp-block-paragraph\"><strong>Need a quote?<\/strong> <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\">Get your business quote online<\/a> \u2014 Free, fast and without obligation with Assur360.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<details id=\"est-ce-gratuit-de-passer-par-un-courtier-en-assurance\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Is it free to go through an insurance broker?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">Yes, the services of a property and casualty insurance broker are free of charge for the client. The broker is compensated by a commission paid by the insurer. So you get personal advice and a price comparison free of charge.  <\/p>\n<\/details>\n\n<details id=\"quelle-est-la-difference-entre-un-courtier-et-un-agent-dassu\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>What is the difference between a broker and an insurance agent?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">A broker is independent and compares the offers of several insurers to find the best option. An agent represents a single company. The broker works for you, the agent works for his insurer.  <\/p>\n<\/details>\n\n<details id=\"comment-fonctionne-un-comparateur-dassurance-en-ligne\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>How does an online insurance comparator work?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">A comparator collects your information (profile, property to be insured, desired coverage) and transmits it to several insurers simultaneously. You receive personalized quotes that you can easily compare to choose the best offer. <\/p>\n<\/details>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Is it free to go through an insurance broker?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Yes, the services of a property and casualty insurance broker are free of charge for the client. The broker is compensated by a commission paid by the insurer. So you get personal advice and a price comparison free of charge.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is the difference between a broker and an insurance agent?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"A broker is independent and compares the offers of several insurers to find the best option. 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