In a world where business activities often go beyond traditional frameworks, it’s essential to protect your unconventional projects with insurance that adapts to their reality. So-called “special” risks don’t always fit into standard insurance products. Yet, their protection is crucial.
Whether you’re the owner of a fleet of vehicles, a consultant in an emerging field, a tech entrepreneur, or a manufacturer of unique products, each risk deserves tailored coverage. Thanks to their expertise and extensive network of insurers, the experts at J. Gérard Fortin & Associates can offer you customized solutions, even for the most complex requests. Have an unusual need? Challenge us: we’ll find the insurer ready to support you.
Finding the right coverage for special risks begins with clearly defining the nature of your activities. Indeed, a drone manufacturer, an online retailer, or a fleet owner face different challenges. That’s why our experts assist you in a comprehensive analysis of your needs to guide you toward the appropriate guarantees.
We assess your company’s exposure level, potential types of losses, and the specific requirements of your business partners (e.g., clients, governments, project owners).
Primarily used to meet contractual or regulatory obligations, this type of guarantee is often required in construction, transportation sectors, or for companies bidding on tenders.
To cover unique equipment or products that aren’t insurable through standard policies. This may include specialized machinery, temporary installations, or developing materials.
Certain sectors, like technology or manufacturing of complex parts, may require tailored coverage to address claims related to errors, defects, or indirect damages.
When vehicles are used intensively, for specialized routes, or under unconventional conditions, standard insurance often doesn’t suffice to cover actual risks.
Whether you’re organizing a temporary project, an experiment, or an exceptional event, it’s possible to create specific coverage for the exact duration and nature of the activity.
It depends on the nature of your activity, but generally, insurers request a detailed description of your operations, recent financial statements, and contracts or agreements related to the activity to be insured. The experts at J. Gérard Fortin & Associates will assist you in compiling a complete file.
Yes, certain protections can extend internationally depending on the insurer and the nature of the activity. It’s important to specify this from the outset to find adequate coverage.
Absolutely. In many cases, special coverage is added to your general insurance program to fill gaps or meet specific requirements. Our experts ensure that the protections are compatible and complementary.