{"id":386,"date":"2023-10-11T15:33:46","date_gmt":"2023-10-11T15:33:46","guid":{"rendered":"https:\/\/groupeafer.com\/?page_id=386"},"modified":"2026-01-09T12:57:45","modified_gmt":"2026-01-09T12:57:45","slug":"qui-sommes-nous","status":"publish","type":"page","link":"https:\/\/groupeafer.com\/en\/qui-sommes-nous\/","title":{"rendered":"Qui sommes-nous?"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"386\" class=\"elementor elementor-386\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8f17bb7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8f17bb7\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-929d8e2\" data-id=\"929d8e2\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5ecca43 elementor-widget elementor-widget-heading\" data-id=\"5ecca43\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.17.0 - 25-10-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">Who are we?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d11add3 elementor-widget elementor-widget-text-editor\" data-id=\"d11add3\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.17.0 - 25-10-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>Insuring your business is not a choice; it should be an integral part of your business plan. You put in considerable effort to achieve success in your business ventures, and thus, you merit the finest available protection. The AFER Group Ltd. collaborates with Canada's leading financial and insurance institutions to provide you with competitive prices for top-notch coverage. We deliver tailored products and services, regardless of your industry. With our extensive experience, we can effectively identify all the risks you face, offer suitable protection, and negotiate the most favorable premium from our multiple insurers on your behalf.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9d28f7c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9d28f7c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e71200b\" data-id=\"e71200b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-696528f elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"696528f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2ebdea7\" data-id=\"2ebdea7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d9b4d60 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"d9b4d60\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.17.0 - 25-10-2023 *\/\n.elementor-widget-divider{--divider-border-style:none;--divider-border-width:1px;--divider-color:#0c0d0e;--divider-icon-size:20px;--divider-element-spacing:10px;--divider-pattern-height:24px;--divider-pattern-size:20px;--divider-pattern-url:none;--divider-pattern-repeat:repeat-x}.elementor-widget-divider .elementor-divider{display:flex}.elementor-widget-divider .elementor-divider__text{font-size:15px;line-height:1;max-width:95%}.elementor-widget-divider .elementor-divider__element{margin:0 var(--divider-element-spacing);flex-shrink:0}.elementor-widget-divider .elementor-icon{font-size:var(--divider-icon-size)}.elementor-widget-divider .elementor-divider-separator{display:flex;margin:0;direction:ltr}.elementor-widget-divider--view-line_icon .elementor-divider-separator,.elementor-widget-divider--view-line_text .elementor-divider-separator{align-items:center}.elementor-widget-divider--view-line_icon .elementor-divider-separator:after,.elementor-widget-divider--view-line_icon .elementor-divider-separator:before,.elementor-widget-divider--view-line_text .elementor-divider-separator:after,.elementor-widget-divider--view-line_text .elementor-divider-separator:before{display:block;content:\"\";border-bottom:0;flex-grow:1;border-top:var(--divider-border-width) var(--divider-border-style) var(--divider-color)}.elementor-widget-divider--element-align-left .elementor-divider .elementor-divider-separator>.elementor-divider__svg:first-of-type{flex-grow:0;flex-shrink:100}.elementor-widget-divider--element-align-left .elementor-divider-separator:before{content:none}.elementor-widget-divider--element-align-left .elementor-divider__element{margin-left:0}.elementor-widget-divider--element-align-right .elementor-divider .elementor-divider-separator>.elementor-divider__svg:last-of-type{flex-grow:0;flex-shrink:100}.elementor-widget-divider--element-align-right .elementor-divider-separator:after{content:none}.elementor-widget-divider--element-align-right .elementor-divider__element{margin-right:0}.elementor-widget-divider:not(.elementor-widget-divider--view-line_text):not(.elementor-widget-divider--view-line_icon) .elementor-divider-separator{border-top:var(--divider-border-width) var(--divider-border-style) var(--divider-color)}.elementor-widget-divider--separator-type-pattern{--divider-border-style:none}.elementor-widget-divider--separator-type-pattern.elementor-widget-divider--view-line .elementor-divider-separator,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:after,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:before,.elementor-widget-divider--separator-type-pattern:not([class*=elementor-widget-divider--view]) .elementor-divider-separator{width:100%;min-height:var(--divider-pattern-height);-webkit-mask-size:var(--divider-pattern-size) 100%;mask-size:var(--divider-pattern-size) 100%;-webkit-mask-repeat:var(--divider-pattern-repeat);mask-repeat:var(--divider-pattern-repeat);background-color:var(--divider-color);-webkit-mask-image:var(--divider-pattern-url);mask-image:var(--divider-pattern-url)}.elementor-widget-divider--no-spacing{--divider-pattern-size:auto}.elementor-widget-divider--bg-round{--divider-pattern-repeat:round}.rtl .elementor-widget-divider .elementor-divider__text{direction:rtl}.e-con-inner>.elementor-widget-divider,.e-con>.elementor-widget-divider{width:var(--container-widget-width,100%);--flex-grow:var(--container-widget-flex-grow)}<\/style>\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0b542d3\" data-id=\"0b542d3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9830dd9 elementor-widget elementor-widget-heading\" data-id=\"9830dd9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Our team<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-52740b7 elementor-widget elementor-widget-image\" data-id=\"52740b7\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.17.0 - 25-10-2023 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"2031\" height=\"843\" src=\"https:\/\/groupeafer.com\/wp-content\/uploads\/2023\/10\/rectangle_12_2.jpg\" class=\"attachment-full size-full wp-image-239\" alt=\"Travail personnalis\u00e9 et professionnel propos\u00e9es par le groupe afer lt\u00e9e, un acteur majeur des compagnies financi\u00e8res et d&#039;assurance \u00e0 Montr\u00e9al, Qu\u00e9bec, Canada.\" srcset=\"https:\/\/groupeafer.com\/wp-content\/uploads\/2023\/10\/rectangle_12_2.jpg 2031w, https:\/\/groupeafer.com\/wp-content\/uploads\/2023\/10\/rectangle_12_2-300x125.jpg 300w, https:\/\/groupeafer.com\/wp-content\/uploads\/2023\/10\/rectangle_12_2-1024x425.jpg 1024w, https:\/\/groupeafer.com\/wp-content\/uploads\/2023\/10\/rectangle_12_2-768x319.jpg 768w, https:\/\/groupeafer.com\/wp-content\/uploads\/2023\/10\/rectangle_12_2-1536x638.jpg 1536w\" sizes=\"auto, (max-width: 2031px) 100vw, 2031px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-339566e elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"339566e\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ec53ecb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ec53ecb\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-19601f9\" data-id=\"19601f9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-aaff616 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"aaff616\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7d093fd\" data-id=\"7d093fd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-0a6f068 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0a6f068\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-38d0e49\" data-id=\"38d0e49\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-06732a6 elementor-widget elementor-widget-heading\" data-id=\"06732a6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Our mission<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35daaa1 elementor-widget elementor-widget-text-editor\" data-id=\"35daaa1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>We aim to safeguard the dreams, aspirations, and financial assets of our clients while ensuring a reasonable level of profitability.<br \/>Provide a top-tier, professional service tailored to meet the unique requirements of our customers. Support and guide our clients in identifying their needs.<br \/>Supply our clients with efficient tools to enhance risk management and aid in lowering the overall cost of risk.<br \/>Since every complaint comes with its own degree of stress, it is vital for us to support, comprehend, and aid our customers in their endeavors.<br \/>Cultivate diligent and detail-oriented employees who can promptly and professionally address customer requests.<br \/>Allow our customers to benefit from our business network.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d027a66 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d027a66\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-d8ca2fb\" data-id=\"d8ca2fb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cd59198 elementor-widget elementor-widget-heading\" data-id=\"cd59198\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Fields of expertise<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7d1fdc elementor-widget elementor-widget-text-editor\" data-id=\"f7d1fdc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>Agri-food \/ Food and beverage processing and distribution<\/li><li>Apartment blocks<\/li><li>Co-ownership<\/li><li>Property management<\/li><li>Garages of all kinds<\/li><li>Construction<\/li><li>Transportation<\/li><li>Information technology, multimedia<\/li><li>Real estate development<\/li><li>Industrial and manufacturing sectors<\/li><li>Hospitality sector<\/li><li>Marine<\/li><li>Retail and distribution<\/li><li>Wholesaler<\/li><li>Sale of new or used automobiles<\/li><li>Professionals of all kinds<\/li><li>Restoration<\/li><li>Services<\/li><li>Telecommunications<\/li><li>Associations<\/li><li>Wind turbine industry<\/li><li>And numerous others.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-c5d0541 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c5d0541\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-6f0e372\" data-id=\"6f0e372\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bffe322 elementor-widget elementor-widget-heading\" data-id=\"bffe322\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Our services<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-99987a9 elementor-widget elementor-widget-text-editor\" data-id=\"99987a9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3><strong>Insurance<\/strong><\/h3><p>The AFER Group Ltd. offers you products tailored to your needs, regardless of your sector of activity. Products that look like you and are just as unique as you!<\/p><p>We offer a full range of insurance products as well as risk management and control services for businesses in all sectors.<\/p><h3><strong>Surety bond<\/strong><\/h3><p>A surety bond is not an insurance policy; instead, it functions as a credit instrument. Its purpose is to shield the beneficiary from the non-fulfillment of an obligation undertaken by the principal debtor.<\/p><p>The construction sector is the industry where surety bonds are most commonly used. The surety assures the owner or project manager that the contractor will carry out the contracted work. A financial guarantee is offered, and the surety will provide it if the contractor fails to meet their commitment.<\/p><h4><u>Benefits :<\/u><\/h4><ul><li>Replaces cash as collateral<\/li><li>Represents a good guarantee of execution of a contract<\/li><li>Allows you to select contractors<\/li><li>Protects the owner<\/li><li>Promotes healthy competition<\/li><\/ul><p>\u00a0<\/p><h3><strong>Risk management<\/strong><\/h3><p>Today's fiercely competitive market requires expert advice and services that adhere to the highest quality standards. We dedicate all our efforts to meet our customers' needs and achieve new levels of excellence. Your interests are at the core of our daily operations.<\/p><p>We are a company that wants to find innovative solutions for risk management. Indeed, we believe that it is better to find solutions before a disaster occurs rather than after.<\/p><p>Our task involves creating and implementing risk management solutions that help reduce the overall cost of risk, all while considering your business objectives.<\/p><h3><strong>Our areas of expertise:<\/strong><\/h3><p>Property and Business Loss Insurance\u00a0<\/p><p>Tort Insurance\u00a0<\/p><p>Liability Insurance\u00a0<\/p><p>Equipment breakdown insurance<\/p><p>Car insurance\u00a0<\/p><p>Miscellaneous Insurance\u00a0<\/p><p>Advice, Information and Submission<\/p><h3><strong>Tips and other information<\/strong><\/h3><p>Each business has unique requirements. We encourage you to share yours with us by giving us a call or completing our online submission form.<\/p><p>Want to learn more? Feel free to get in touch with us. We'll be delighted to address your inquiries and offer valuable guidance.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-ae50d11 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ae50d11\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-0854c35\" data-id=\"0854c35\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c4a608c elementor-widget elementor-widget-heading\" data-id=\"c4a608c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Our perspective on long-term risk management:<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c100d01 elementor-widget elementor-widget-text-editor\" data-id=\"c100d01\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u2022 We are committed to assisting you in establishing a long-term program to mitigate risks and safeguard both your business and personal assets.<br \/>\u2022 We are dedicated to collaborating with you to decrease the overall cost of your risks (comprising transfer costs to insurers, claim deductibles, self-insured risks, and administrative expenses), leading to enhanced profitability.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-ffb3f0f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ffb3f0f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-ae8e224\" data-id=\"ae8e224\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fd4e935 elementor-widget elementor-widget-heading\" data-id=\"fd4e935\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Our values<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ee86137 elementor-widget elementor-widget-text-editor\" data-id=\"ee86137\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>We are faithful to six fundamental principles:<\/p><ol><li>The promise of excellence<\/li><li>The ability to properly analyze and identify customer needs<\/li><li>Customer focus<\/li><li>A high sense of professional ethics<\/li><li>Qualified and attentive staff<\/li><li>Strategies, actions and initiatives personalized according to our clients<\/li><\/ol>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-057328a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"057328a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cafa242\" data-id=\"cafa242\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5a04fa8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5a04fa8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-fde9cf3\" data-id=\"fde9cf3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d47b76e elementor-widget elementor-widget-heading\" data-id=\"d47b76e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Benefits<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c0b8b4 elementor-widget elementor-widget-text-editor\" data-id=\"8c0b8b4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>One stop shop for all your insurance needs<\/li><li>Commercial insurance specialist<\/li><li>Diverse clientele<\/li><li>Qualified staff who understand you<\/li><li>Multidisciplinary teams of professionals are trained to accurately identify, prevent, assess, and manage risks, and subsequently transfer them to the insurance market.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1fe5225 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1fe5225\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8c8cb9b\" data-id=\"8c8cb9b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7d6377d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7d6377d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-838c06e\" data-id=\"838c06e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b18b409 elementor-widget elementor-widget-heading\" data-id=\"b18b409\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why the AFER Group?\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-614c5ca elementor-widget elementor-widget-text-editor\" data-id=\"614c5ca\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Why the AFER Group? Because we are THE brokers for your business!<\/p><h2>For 40 years, we have been committed to:<\/h2><p><strong>offer you the services of professional and passionate people,<\/strong>\u00a0endowed with recognized experience, our team possesses the ability to accurately analyze and identify needs while upholding a high professional standard of ethics. We implement personalized strategies, actions, and initiatives accordingly.<\/p><p><strong>carefully analyze and identify your needs<\/strong>\u00a0To promptly and professionally meet all your requirements and provide innovative solutions that will satisfy you.<\/p><p><strong>showing empathy<\/strong>\u00a0and comprehend the dynamics and risks associated with your business, your operations, and their effects on your business and financial matters.<\/p><p><strong>let you benefit from our CRR PLATFORM<\/strong>\u00a0unique solutions that will enable you to more effectively identify and comprehend the diverse risks associated with your operations, while considering your capital, the human factor, your technological infrastructure, your assets, and your liabilities.<\/p><p class=\" translation-block\"><strong>offer you<\/strong><strong>innovative solutions<\/strong>that will allow you to reduce total costs in the long term and have a direct effect on your profits.<\/p><p><strong>present you with a vision<\/strong>\u00a0focused on results and teamwork.<\/p><p><strong>offer you an exceptional business relationship<\/strong>\u00a0Founded on respectful relationships that stem from robust bonds of trust, effective and collaborative communication, and attentive listening.<\/p><p><strong>let you benefit from our know-how<\/strong>\u00a0to set up programs, implement them quickly, issue the necessary documentation and carry out follow-ups.<\/p><p class=\" translation-block\"><strong>use our capabilities and skills<\/strong>, to participate in the education and information of your key personnel regarding the understanding of risks, the market and prevention which is part of our \u201cPlatform Single CRR\u201d.<\/p><h2><strong>Commit ourselves to ensuring your satisfaction.<\/strong><\/h2>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5ecb41e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5ecb41e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d18e048\" data-id=\"d18e048\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-b352b87 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b352b87\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-ef1ca11\" data-id=\"ef1ca11\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-08d2eaa elementor-widget elementor-widget-heading\" data-id=\"08d2eaa\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How do we see our role?\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2cd0819 elementor-widget elementor-widget-text-editor\" data-id=\"2cd0819\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Notre mod\u00e8le d\u2019affaires est bas\u00e9 sur trois facteurs\u00a0: la relation que nous avons avec notre client\u00e8le, les services \u00e0 valeur ajout\u00e9e que nous vous offrons, ainsi que la vision que nous avons de la Gestion des risques \u00e0 long terme.<\/p><h2><strong>The relationship<\/strong><\/h2><ul><li>Our business model is built on three key elements: our customer relationships, the value-added services we provide, and our vision for long-term risk management.<\/li><li>Creating and overseeing a comprehensive, ongoing risk management strategy.<\/li><li>Setting up our service team<\/li><\/ul><h2><strong>Value-added services\u00a0<\/strong><\/h2><ul><li>AFER has introduced distinctive value-added services through collaboration with our trusted advisors and industry experts.<\/li><li>As a member of our Risk Reduction System, you inherently gain from the value of our dedication.<\/li><li>We continually seek new services in the market to enhance our advisory capabilities for your benefit.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-04f2d70 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"04f2d70\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f2f8b48\" data-id=\"f2f8b48\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-8ccdaa2\" data-id=\"8ccdaa2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-147bb32 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"147bb32\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4448c10\" data-id=\"4448c10\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f69edb1 elementor-widget elementor-widget-html\" data-id=\"f69edb1\" data-element_type=\"widget\" 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Une bonne couverture devrait faire partie de votre plan d'affaires. 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Assurer votre entreprise ne devrait pas \u00eatre une option. Une bonne couverture devrait faire partie de votre plan d\u2019affaires. Vous travaillez fort pour r\u00e9ussir vos projets d\u2019affaires, vous m\u00e9ritez donc la meilleure protection qui soit. Le Groupe AFER Lt\u00e9e transige avec les plus importantes compagnies financi\u00e8res et d\u2019assurance du Canada afin de [&hellip;]<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-386","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Groupe AFER | Experts en Assurance &amp; Gestion des Risques<\/title>\n<meta name=\"description\" content=\"Courtier d&#039;assurance \u00e0 Montr\u00e9al depuis 40 ans. 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