Fort Insurance — Montréal
in Montréal.

Service area

Fort Montréal office

Phone

514-374-9944

Official source

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Before sharing sensitive information, identify the licensed legal brokerage and individual broker, producing and servicing office, wholesaler, managing general agent, insurer, underwriter, policy issuer, loss-control provider, adjuster, defence counsel and claims advocate. Verify every licence in the applicable public register and disclose compensation, contingent commissions, ownership, financing, insurer relationships, binding authority and market limitations. Build one controlled exposure schedule for all named insureds, subsidiaries, joint ventures, locations, operations, products, services, contracts, clients, revenue, payroll, employees, property, replacement cost, equipment, inventory, vehicles, drivers, cargo, territories, jurisdictions, cyber data and systems, professional advice, pollution, crime, employment, directors, mergers, prior acts, claims and material changes. Map contract, lease, lender, regulator and customer insurance requirements. Obtain every quote, binder, policy, declaration, schedule, form and endorsement; compare insuring agreements, occurrence versus claims-made trigger, retroactive and continuity dates, extended reporting, limits, aggregates, sublimits, deductibles, self-insured retentions, coinsurance, valuation, waiting and indemnity periods, territorial and jurisdictional scope, insured definitions, additional insureds, waivers, primary and non-contributory language, exclusions, warranties, conditions and notice duties. Never equate two coverage labels without comparing wording. Verify application answers, representations, signed schedules, subjectivities, inspections, certificates and binding effective time. Assess insurer authorization and financial strength in context, placement security, fronting or reinsurance where relevant, concentration and realistic replacement markets; document declined terms and material differences without treating market count as quality. Normalize deposit and annual premium, tax, brokerage and policy fees, inspections, engineering, cyber services, financing interest, instalments, audits, adjustable rates, minimum retained premium, cancellation basis and total cost. Test realistic fire, water, theft, cyber, professional, product, vehicle, injury and business-interruption scenarios through notice, emergency expense, mitigation, consent, defence, reservation of rights, adjuster, proof, valuation, forensic accounting, subrogation, deductible, settlement and dispute. Define certificate turnaround, policy checking, claim advocacy, service contacts, renewal timetable, data refresh, remarketing, non-renewal, cancellation, run-off, tail, record export, broker-of-record transfer and remedies. Never promise coverage, defence, payment, limits, premium, savings, renewal or claim outcome beyond the issued wording and exact facts.