{"id":20024,"date":"2021-03-01T11:21:56","date_gmt":"2021-03-01T16:21:56","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/home-insurance-in-quebec-2\/independent-insurance-broker\/"},"modified":"2026-06-26T02:19:05","modified_gmt":"2026-06-26T06:19:05","slug":"independent-insurance-broker","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/independent-insurance-broker\/","title":{"rendered":"What is an independent insurance broker?"},"content":{"rendered":"\n<div style=\"display:flex;gap:32px;align-items:center;max-width:1200px;margin:32px auto;padding:32px;background:#ffffff;border:1px solid #e2e8f0;border-radius:16px;box-shadow:0 4px 24px rgba(13,31,45,0.08);flex-wrap:wrap;\">\n  <div style=\"flex:1 1 280px;min-width:260px;max-width:380px;\">\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\/2021\/03\/courtier-assurance-independant-assureur.png\" alt=\"Independent insurance broker\" style=\"width:100%;height:auto;border-radius:12px;display:block;\" loading=\"lazy\"\/>\n  <\/div>\n  <div style=\"flex:2 1 360px;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">At a glance<\/p>\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\/independent-insurance-broker\/#Independent-insurance-broker-your-best-ally\" >Independent insurance broker: your best ally<\/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\/independent-insurance-broker\/#Independent-brokers-in-Quebec\" >Independent brokers in Quebec<\/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\/independent-insurance-broker\/#Personalized-advice-from-an-independent-broker\" >Personalized advice from an independent broker<\/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\/independent-insurance-broker\/#The-clients-interests-come-first\" >The client&#8217;s interests come first<\/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\/independent-insurance-broker\/#Comparison-Table-%E2%80%93-Independent-Insurance-Brokers-vs-Insurer-Related-Brokers\" >Comparison Table \u2013 Independent Insurance Brokers vs. Insurer-Related Brokers<\/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\/independent-insurance-broker\/#i\" >\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/independent-insurance-broker\/#Broker-with-expertise-and-a-relationship-of-trust\" >Broker with expertise and a relationship of trust<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;\"><span class=\"ez-toc-section\" id=\"Independent-insurance-broker-your-best-ally\"><\/span>Independent insurance broker: your best ally<span class=\"ez-toc-section-end\"><\/span><\/h2>\n      <p style=\"color:#334155;font-size:16px;line-height:1.7;margin:0 0 0;\">When it comes to protecting your property, your business, or your family, choosing an <strong>independent insurance broker<\/strong> can make all the difference. Unlike an agent tied to a single insurance company, an independent broker acts <strong>freely<\/strong>, in the exclusive interest of his clients. <\/p>\n  <\/div>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"Article\", \"@id\": \"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/pourquoi-faire-affaire-avec-un-courtier-dassurance-independant\/#article\", \"headline\": \"What is an independent insurance broker?\", \"url\": \"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/pourquoi-faire-affaire-avec-un-courtier-dassurance-independant\/\", \"datePublished\": \"2021-03-01T11:21:56\", \"dateModified\": \"2026-03-24T00:42:44\", \"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 broker 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\": \"Choose an independent insurance broker for personalized advice and tailored offers. Save time and money with neutral expertise.\"}\n<\/script>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Independent-brokers-in-Quebec\"><\/span>Independent brokers in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Hiring an <strong>independent insurance broker<\/strong> saves time and money. The reason is simple, such a <a href=\"https:\/\/coalitionassurance.com\/faire-carriere\/les-carrieres\/courtier-en-assurance-de-dommages\/\" target=\"_blank\" rel=\"noopener nofollow\" title=\"Professional\">professional<\/a> takes care of the analysis of each client&#8217;s needs to present them with the insurance contracts that best meet their expectations, while offering them a good guarantee\/price ratio. <\/p>\n\n<p class=\"wp-block-paragraph\">The best independent insurance brokers have access to a wide range of insurers across the country, including those that do not sell directly to the public. In addition, they keep an eye on market variations, which allows them to offer up-to-date products at very competitive prices. On the other hand, they make sure to look for the most interesting discounts, which the customer can take advantage of.  <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Personalized-advice-from-an-independent-broker\"><\/span>Personalized advice from an independent broker<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">The use <a href=\"\/\">of independent insurance brokers<\/a> is an opportunity to have a service adapted to the client&#8217;s expectations and a great deal of flexibility in schedules. Indeed, they make sure to adapt to the schedules and methods of contact that best suit the insured. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-clients-interests-come-first\"><\/span>The client&#8217;s interests come first<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\"><a href=\"\/\" title=\"Insurance broker\">Brokers take care to defend the interests of the<\/a> client and therefore they develop a real partnership with him. In the event of complaints, they are responsible for facilitating the administrative procedures, while answering questions and providing detailed information to the insured. They will even take care of the defence of the latter in the event of a dispute with the insurer. The recommendations they submit are favourable to the interests of the insured. Their intervention is done in a professional and impartial manner.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Comparison-Table-%E2%80%93-Independent-Insurance-Brokers-vs-Insurer-Related-Brokers\"><\/span><strong>Comparison Table \u2013 Independent Insurance Brokers vs. Insurer-Related Brokers<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-ast-global-color-4-background-color has-background has-fixed-layout\"><thead><tr><th><strong>Criteria<\/strong><\/th><th><strong>Independent Insurance Brokers<\/strong><\/th><th><strong>Insurer-dependent brokers (with shareholders)<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>Objectivity of recommendations<\/strong><\/td><td>High \u2014 compares multiple insurers without influence<\/td><td>Limited \u2014 priority often given to the shareholder insurer<\/td><\/tr><tr><td><strong>Access to insurers<\/strong><\/td><td>Wide selection (several companies)<\/td><td>Restricted \u2014 reduced access to competing insurers<\/td><\/tr><tr><td><strong>Conflict of interest<\/strong><\/td><td>Low \u2014 no obligation to an insurer<\/td><td>Higher \u2014 internal pressure to sell the owner insurer<\/td><\/tr><tr><td><strong>Price transparency<\/strong><\/td><td>High \u2014 true premium comparison<\/td><td>Lower \u2014 premium aligned with primary insurer<\/td><\/tr><tr><td><strong>Negotiation Ability<\/strong><\/td><td>Strong \u2014 competition between insurers to get the customer<\/td><td>Low \u2014 little or no real comparison<\/td><\/tr><tr><td><strong>Customization of coverage<\/strong><\/td><td>Optimal \u2014 finding the best font as needed<\/td><td>Medium \u2014 solutions often focused on a single company<\/td><\/tr><tr><td><strong>Business model<\/strong><\/td><td>Based on independence and representation of the client<\/td><td>Based on the distribution of products from a dominant insurer<\/td><\/tr><tr><td><strong>Flexibility for the customer<\/strong><\/td><td>High \u2014 easy to switch insurers<\/td><td>Low\u2014complex or limited process<\/td><\/tr><tr><td><strong>Multi-product expertise<\/strong><\/td><td>Very strong \u2014 covers most insurers in the market<\/td><td>Limited to the shareholder insurer&#8217;s product line<\/td><\/tr><tr><td><strong>Value for money for the insured<\/strong><\/td><td>Often better thanks to comparisons<\/td><td>Variable \u2014 depends on the rates of the homeowner insurer<\/td><\/tr><tr><td><strong>Support in the event of a complaint<\/strong><\/td><td>Defends the client (not the insurer)<\/td><td>Can defend the insurer more than the insured<\/td><\/tr><tr><td><strong>Public Image<\/strong><\/td><td>Associated with neutrality and trust<\/td><td>Associated with a specific insurer<\/td><\/tr><tr><td><strong>Premium development<\/strong><\/td><td>Optimized \u2014 ability to shop every year<\/td><td>Depends solely on the insurer&#8217;s pricing policy<\/td><\/tr><tr><td><strong>Main advantage<\/strong><\/td><td>Better protection and better prices thanks to independence<\/td><td>Simplicity if you are loyal to a single insurer<\/td><\/tr><tr><td><strong>Main disadvantage<\/strong><\/td><td>May vary in quality depending on the practice<\/td><td>Less flexible, less competitive, risk of bias<\/td><\/tr><\/tbody><\/table><\/figure>\n\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=\"Broker-with-expertise-and-a-relationship-of-trust\"><\/span>Broker with expertise and a relationship of trust<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">If more and more policyholders are using a broker, it is for the good reason that the broker is not just an advisor, but much more an expert in the insurance sector. This makes him<a href=\"\/\" title=\"Boat Insurance Broker\"> the best placed professional<\/a> to assess his client&#8217;s needs. <\/p>\n\n<p class=\"wp-block-paragraph\">The main concern of this expert is to serve the interests of his client, especially since there is no financial commitment to the various <a href=\"\/\">insurance companies<\/a>. He carries out car, home or business <a href=\"\/\">insurance simulations<\/a> with several insurers. It is <strong>accountable and transparent<\/strong>. As a result, the insured can trust him completely since he has no bias for any insurance company.  <\/p>\n\n<p class=\"wp-block-paragraph\">The plus is that by using an independent broker, you benefit from their expertise, but without having to incur additional fees. This expert receives an equal commission from each insurer with whom he places contracts. And as a result, he cannot favour one insurer over another, especially since his role is to defend the interests of his client above all.  <\/p>\n\n<p class=\"wp-block-paragraph\"><strong>FAQ<\/strong><\/p>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p class=\"wp-block-paragraph\"><strong>Need a quote?<\/strong> Compare the best prices with Assur360: <a href=\"\/\">car insurance<\/a> | <a href=\"\/\">Home insurance<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>At a glance Independent insurance broker: your best ally When it comes to protecting your property, your business, or your family, choosing [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":14649,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"Independent Insurance Broker \u2014 Benefits in Quebec | Assur360","_seopress_titles_desc":"Choose an independent insurance broker for personalized advice and tailored offers. 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