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An insurance broker is an independent professional who works for you and has access to more than one insurance company. Their role is to review your situation, compare offers from multiple insurers, and recommend the coverage that best meets your needs.

A direct insurer only offers its own products. A broker, on the other hand, has access to multiple markets. They compare options to help you find coverage that fits your needs at a competitive price. They also help you to evaluate the cost and benefit of different insurance solutions available from different insurance markets.

A broker’s role is also valuable when you need to file a claim. Your La Turquoise broker can explain the process, answer your questions, and provide support when follow-up is required.

Working with a broker certified by the AMF means benefiting from personalized guidance, from the quote to the claims process.

No. In most cases, broker compensation is paid by the insurer once the policy is issued and is generally included in the premium, subject to applicable rules and disclosures.

Comparing multiple quotes may help you compare similar coverage at a competitive price. Bundling your auto and home insurance may also qualify you for additional discounts, depending on insurer eligibility and conditions. This is also true for many business package insurance solutions as well. Your broker can help you determine great options for you.

Requesting a quote is free and comes with no obligation to purchase.

An insurance quote is a personalized estimate of the cost of coverage based on your profile and the information provided. It allows you to compare available options before making a decision. It does not commit you to anything.

The process is simple. You provide basic information about your situation, the property to be insured or the personal liability limits you need, your claims history, and your coverage needs.

Based on this information, a broker compares offers from several insurers and presents available options with recommendations likely best suited to your situation.

The quote is provided over the phone. A broker takes the time to review your information with you to fully understand your needs before presenting options.

Once you have made your choice, the policy can be finalized at your own pace.

This is a common question. Many people are unsure whether their current coverage reflects their situation in a current sense.

For personal policies, moving, buying a vehicle, completing major renovations, or changes in your family circumstances can affect whether an existing policy still fits your needs.

For business policies, changes in operations, adding new buildings or equipment, working with different clients or even changes to leases and contracts may create different situations that affect coverage requirements.

Coverage purchased several years ago may no longer reflect your current situation.

A policy review includes looking at coverages, exclusions, deductibles, and coverage limits in context with your situation today, and in some cases, with what is happening in the future. Without a review, it can be difficult to know if your protection is adequately put into place.

A policy review is free and comes with no obligation. It is a simple way to review your coverage and identify adjustments that may be needed.

If a loss occurs, your safety and the safety of others should always come first. Contact emergency services if necessary.

The La Turquoise team can also help guide you through the process if you need assistance.

A broker can explain the claims process and help you follow up with the insurer.

If a disagreement arises regarding settlement, the broker may help you understand the process and facilitate discussions with the insurer.

Working with a brokerage firm means having guidance and support during the claims process.