For the past 50 years, we have assured you the best coverage.
TABLE OF CONTENTS OUR PHILOSOPHY OUR MISSION OUR PROFESSION OUR EXPERTISE 02 03 04 05 CONSTRUCTION TRANSPORTATION SERVICE INDUSTRY COMMERCIAL REAL ESTATE AGRICULTURE MANUFACTURERS, DISTRIBUTORS AND WHOLESALERS LIABILITY SURETY BONDS PERSONAL INSURANCE OUR STRENGTH 06 07 08 09 10 11 12 13 14 15 16
OUR PHILOSOPHY To analyze in advance all risks that clients may be exposed to, to remain focused on their needs through continuous and proactive service, and to continue having their best interest in mind when settling claims. To be there before, during and after. We started operations in 1955 with a single goal in mind: to offer the best coverage available to our clients. Three generations later, Lareau is more than ever a reference in the field of general insurance. Lareau is an independent firm rooted in Quebec, which works with the majority of insurance companies in Canada. Lareau is first and foremost a name; a name that has made its mark based on the values of innovation, trust and respect for its clients and employees. We believe that it is the people who make a company successful, whether clients or brokers. 02
OUR MISSION To constantly reassure individuals, businesses and communities. Trust. Respect. Innovation. 03
OUR PROFESSION Our Strength: A Solid Network Insurance companies offer products that aim to protect property or to cover damages caused to others, such as automobile insurance, home insurance, third-party liability or corporate insurance. Our work goes further: our goal is to analyze all alternatives put forth by the various insurers and to help you select the product that will not only suit your needs but that is cost effective. Our brokers are experts in this area. Indeed, our expertise has allowed us over time to establish a bond of trust with our clients. Independent, Objective and Near You At a time when everything is a question of choice, we are well positioned to find you the best solution for your needs since we deal with most insurance companies. As a member of the Ultima Group, we have access to a network of over 115 points of service throughout the province. The strength of this network is that we can offer personalized service based on in-depth knowledge of Quebec and its economic activities. Through the Ultima Group, we have access to exclusive programs designed for specific commercial sectors; we also have state-of-the-art tools for processing your files effectively and offer you solutions at some of the most competitive prices. Moreover, via the Ultima network, we are authorized distributors for the Mutuelle de Municipalités du Québec, which has allowed us to develop unique expertise in protecting Quebec heritage. For more information, please visit www.ultima.qc.ca 04
OUR EXPERTISE 05
CONSTRUCTION Through our partnership with specialized insurers, our expert brokers can cover risks specific to each type of contractor. WE SPECIALIZE IN THE FOLLOWING AREAS: General contracting Specialized contracting Residential, commercial, industrial and institutional construction Builder s risk insurance Wrap-up insurance Design plans 06
TRANSPORTATION For light and heavy vehicles transporting goods, both locally and long distance (distances in excess of 160 km from Quebec) across Canada and the United States, we have the expertise since we deal with the top insurance companies. WE SPECIALIZE IN THE FOLLOWING AREAS: Transport of earth, sand, gravel and snow Bulk shipments Timber and lumber carriers Transport of heating oil Transport of hazardous materials Transport of general merchandise Freight forwarders Storage insurance Transport by ocean cargo, rail or air shipments Warehouse to warehouse shipments Coverage available includes damages to the insured s vehicle, leasing costs in the event of an at-fault accident, liability for vehicles that do not belong to the insured (trucks and trailers), surety bonds (in the United States), and liability for the merchandise being transported. 07
SERVICE INDUSTRY Lareau has tailored its expertise to identify the risks affecting companies in this ever growing business segment. WE SPECIALIZE IN THE FOLLOWING AREAS: Computer services (network managers, Web site creators, programmers, consultants, etc.) Law firms Accounting firms (CA, CMA, CGA) Human resources consulting firms Employment agencies Real estate agents Mortgage brokers Financial services firms Engineering consulting firms Consultation services in business process reengineering 08
COMMERCIAL Retailers need the services of an experienced broker who understands their business. Our brokers will analyze your risks and propose a contract that will protect your assets. WE SPECIALIZE IN THE FOLLOWING AREAS: Convenience stores Grocery stores Retail stores Restaurants Entertainment centers Mechanic garages Body shops Car rentals (short-term) Car dealerships Commercial vehicle fleets 09
REAL ESTATE Are you facing a disaster? Do you want to rebuild? Yes, but where and how? Given the rapid expansion in terms of both size and value of real-estate projects, careful professional assessment is a must. It is these types of questions that we aim to address with you. WE SPECIALIZE IN THE FOLLOWING AREAS: Residential income property Commercial income property Property managers Institutions Residential services (inns, B&Bs, motels, hotels) Property portfolios Residences for the elderly 10
AGRICULTURE When our firm was created in 1955, we built our reputation on the agricultural sector. We cover not only all steps of the transformation process for your product, but we also protect your revenues in case of a major incident. WE SPECIALIZE IN THE FOLLOWING AREAS: Milk producers Hog farms Poultry farms Cattle farms Maple syrup producers/sugar shacks Gentlemen farmers Grape growers and cider producers Large crop farms (corn, soy, hay, wheat, etc.) Truck farming (onions, salad, carrots, radish, etc.) Food processing industry (milk, cheese, vegetables, fruit, etc.) 11
MANUFACTURERS, DISTRIBUTORS, AND WHOLESALERS The manufacturing sector is at the heart of our economy. It is therefore important to not only ensure adequate limits but also to accurately assess the potential impact of any property and subsequent financial losses. Our areas of expertise include the analysis of your supply chain, business interruption, contingent business interruption of your suppliers or customers, product recall, production machinery and all other related coverages. WE SPECIALIZE IN THE FOLLOWING AREAS: Metal industry Plastic industry Wood industry; primary and second transformation Aviation industry Food products and distribution Printing and packaging plants Retail stores for various products Machine shops Manufacturers of moulds, automobile parts, windows and doors and others 12
THIRD-PARTY LIABILITY At a time when lawsuits and legal costs are steadily rising, it is important to protect yourself adequately. Our expert brokers will support you with the proper advice and recommend the necessary coverage. WE SPECIALIZE IN THE FOLLOWING AREAS: Commercial general liability Products and completed operations liability Umbrella and excess liability Directors and officers (D&O) liability Fiduciary liability Employment practices liability Professional (errors & omissions) liability Environmental impairment and/or contractors pollution liability Cyber liability 13
SURETY BONDS Our expertise also extends to surety bonds. This is a a financial guarantee instrument that ensures the execution of contractual obligations. WE SPECIALIZE IN THE FOLLOWING AREAS: Bid bonds and letters of intent Labour and material payment bonds Performance bonds Maintenance bonds Permits bonds Customs and bail bonds Miscellaneous bonds 14
PERSONAL INSURANCE Our product line also includes the personal assets of company owners, directors and employees. Our expertise in tailor-made coverage results in the appropriate coverage to meet your situation. WE SPECIALIZE IN THE FOLLOWING AREAS: High-value car/vehicle insurance Home insurance, insurance for second homes, cottages and high-value residences (international coverage available) Tailor-made group coverage (at least 50 employees per company) Recreational vehicle insurance Motorcycle, ATV and snowmobile insurance Boat/recreational watercraft insurance Travel insurance 24-hour claims service 15
OUR STRENGTH At Lareau, you work with a team of motivated, experienced advisors. Regardless of your situation, we act as expert consultants to insure your property, to guide you and support your decision-making. We have been there to support you for over 50 years. Our experience and expertise has allowed us to assure you the best coverage, before, during and after 16
www.lareau.ca 1.888.LAREAU.1 or 1.888.527.3281