Do you generally have a reference period? Do you analyze risk on a monthly, weekly or daily basis, in order to determine when risk goes over an acceptable limit and when it is time to resort to insurance?
According to section 2405 of the Quebec Civil Code, you cannot unilaterally change the terms of an insurance policy. If you are dealing with a Quebec client, which legal provisions apply?
I also want to know on what period you are basing your risk assessment. How often can you change your insurance terms?