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From housing to residents, we adapt to your needs
Quebec Housing Offices operate in a specific regulatory environment where housing management, building protection, and responsibilities toward tenants require tailored coverage. At Assurancia Groupe Tardif, we understand the unique realities of OHQs and support you with insurance solutions designed to protect your buildings, activities, directors, employees, and organization.
Each Quebec Housing Office operates in an environment involving significant responsibilities and specific risks. Whether it is building management, the protection of directors and employees, or tenant safety, our team supports you with insurance solutions adapted to your reality to protect your assets, operations, and business continuity.
This coverage protects the Housing Office against certain claims arising from property damage, bodily injury, or harm caused to third parties in the course of its activities, according to the protections provided in the policy.
This protection covers residential buildings, administrative buildings, and certain outbuildings against covered risks such as fire, certain water damage, wind, or vandalism. It helps contribute to the repair or reconstruction of buildings damaged following a covered loss, according to the guarantees provided in your policy.
To ensure the continuity of your activities, this protection covers certain property and equipment essential to the organization’s operation, according to the guarantees provided in your policy. It can notably apply to furniture, mechanical systems, IT equipment, and maintenance equipment.
When a covered loss leads to a slowdown or temporary interruption of activities, the financial repercussions can be significant for the organization. This protection can compensate for certain losses of income as well as certain additional expenses incurred to maintain activities or resume operations more quickly, according to the guarantees provided in your policy.
Rental income plays an important role in the financial balance of Housing Offices. When a covered loss makes a building or certain units uninhabitable, this protection can cover certain rental income losses during the period necessary to repair or restore the premises, according to the guarantees provided in your policy.
Depending on your organization’s needs, several complementary protections can be added to your policy to enhance your coverage. For example, Directors and Officers (D&O) liability insurance, accidental pollution protection, extra operating expenses, replacement cost, or other guarantees adapted to the reality of Housing Offices. These protections allow for more comprehensive coverage better suited to your responsibilities.
IT incidents can disrupt activities and compromise sensitive data. This protection can cover certain costs related to managing a cyber incident, data recovery, business interruptions, and certain claims, according to the guarantees provided in your policy.
Our teams answer your most frequently asked questions to help you better understand the available protections and choose solutions adapted to your needs.
Housing Offices manage residential buildings, common areas, and specific responsibilities toward their tenants, employees, and directors. Adapted insurance protects the organization against risks inherent to its activities.
Depending on the protections chosen, insurance can cover buildings, administrative buildings, mechanical equipment, furniture, common areas, and other assets essential to the smooth operation of your organization.
Yes. Directors and Officers (D&O) Liability insurance can protect board members and officers against certain claims arising from decisions made in the exercise of their duties, according to the guarantees provided in the policy.
Depending on the protections purchased, your insurance can cover certain additional expenses, rental income losses, and costs related to managing the loss to facilitate a return to normal as quickly as possible.
Absolutely. Each Housing Office has its own realities, real estate portfolio, and responsibilities. Our team takes the time to understand your organization to offer insurance solutions adapted to your needs.
Yes. The Housing Office’s insurance generally protects the building, but it does not cover your personal belongings or your civil liability. Tenant insurance can protect you, depending on the guarantees chosen, in the event of theft, fire, water damage, or if you are held liable for damage caused to others.
As one of the largest brokerage firms in Quebec, with a team of over 120 brokers across 9 branches, our firm is dedicated to P&C insurance. We offer a simple, efficient, and transparent approach to our insurance services.
On the other end of the line, reach our specialists who support you by adapting to your needs to offer the best coverages suited for your business.
Our experts have access to a vast network of insurers to obtain the insurance products that best meet your needs.
Our professionals shop and compare several quotes for you to save you time and find the most suitable insurance solutions.
Our brokers research and negotiate the insurance products best suited to your needs, while ensuring excellent value for money.
Our team holds several certifications and strictly adheres to industry guidelines, such as the Autorité des marchés financiers (AMF), the Autorité des marchés publics (AMP), and the Registered Insurance Brokers of Ontario (RIBO), ensuring your interests are respected.
Thanks to our presence in the communities and the values that unite us, we understand your reality and remain accessible when you need us.
Our team of brokers has in-depth knowledge of the various business sectors we serve so that you obtain the best coverage options to optimally protect your business.
When the unexpected happens, your broker is by your side. They guide you through every step of the claims process, answer your questions, help you navigate each stage, and ensure your case is handled with the care and attention it deserves.
Here are practical tips, useful tools, and clear explanations to answer your everyday questions.
Our commercial brokers, with their sectoral expertise, take the time to understand your business reality to offer protections adapted to your needs.
