Montreal, Canada, September 12th, 2026, FinanceWire

Qubit Insurance, an independent, AMF-licensed brokerage serving clients across Quebec, has revealed that a significant portion of Quebec homeowners may be underinsured due to rising construction costs. In a recent review of 1,200 new client policies, the brokerage found that 38% were underinsured relative to current rebuilding costs by an average of 16%.

According to Qubit Insurance, this discrepancy can trigger a co-insurance clause built into many home insurance policies, potentially reducing claim payouts even on partial losses. Many homeowners assume their insurance will cover the full cost of rebuilding after a loss, such as a fire or flood. However, if a home is insured for less than its true rebuild cost, an insurer may only pay out a percentage of a claim that matches the percentage of coverage carried. For example, a homeowner insured at 70% of their home’s actual rebuild value could see a routine claim reduced by nearly 30%, regardless of the damage’s actual repair cost.

The problem has grown more common as rebuilding costs have climbed. The Association des professionnels de la construction et de l’habitation du Québec (APCHQ) estimates that construction costs have risen by roughly 18% cumulatively since 2023, driven by inflation in materials and skilled labor. A policy that accurately reflected a home’s rebuild cost three years ago may now be underinsuring that home by a significant margin.

“We’re seeing this constantly in client feedback right now: people who haven’t touched their property coverage limits in years, even though the actual cost to rebuild their home has increased substantially,” said Manjot Singh, Insurance Broker at Qubit Insurance, who specializes in commercial and personal lines insurance. “The frustrating part is that it’s invisible until there’s a claim; nobody gets a warning that their coverage has fallen behind.”

“In a review of 1200 new client policies this year, Qubit Insurance found 38% were underinsured relative to current rebuild cost, by an average of 16%.” 

To help mitigate the risk of underinsurance and reduced payouts, Qubit Insurance recommends that Quebec homeowners:

• Have their home’s reconstruction cost re-evaluated at least every two years, or after any major renovations.
• Review their dwelling coverage limit at every renewal rather than letting the policy auto-renew without adjustments.
• Confirm with their insurer or broker whether their policy applies a co-insurance clause, and at what percentage.
• Work with a broker who can compare reconstruction-cost estimates and coverage terms across multiple carriers.

About Qubit Insurance

Qubit Insurance is an independent, AMF-licensed insurance brokerage based in Saint-Laurent and Montreal, Quebec, serving individual and business clients across the province. Qubit compares more than 20 insurers to help clients find home, auto, tenant, and commercial coverage, with service available in English, French, Punjabi, Hindi, and Urdu.

Contact

CEO
Manjot Singh
Qubit Insurance
msingh@qubitinsurance.ca
(450) 234-2120

After a Personal Experience at the Intersection of Names, Trademarks and Domain Names, Solli Rothschild Opens a Broader Conversation About Who Owns the Meaning of a Name

Norway, 12th Sep 2026 – Entrepreneur and investor Solli Rothschild has launched an independent research and discussion initiative examining the increasingly complex relationship between personal names, trademarks, domain names, digital identity and commercial brands.

The initiative grew partly from Rothschild’s own experience at the intersection of a personal surname, commercial identity and intellectual-property rights. Rather than focusing exclusively on an individual dispute, the project seeks to examine a broader question emerging as entrepreneurs increasingly build companies, reputations and international digital identities around their own names.

A surname can carry several meanings at the same time. It can represent family heritage and personal identity while also becoming associated with businesses, products, professional services, websites, publications and trademarks. In an increasingly digital and international economy, those different forms of identity can sometimes meet in ways that are difficult to define using traditional distinctions between a person and a brand.

Rothschild’s research will explore how personal names function when they enter commercial life, including questions surrounding personal-name trademarks, domain names, commercial reputation, consumer perception and the distinction between legitimate personal identity and potential commercial confusion. The research will also consider how these issues differ across jurisdictions and how the growth of social media, digital platforms and artificial intelligence may change the way individuals establish and protect their identities.

From Personal Experience to a Broader Research Question

The subject became particularly relevant to Rothschild after experiencing first-hand how a person’s surname can intersect with trademark and domain-name proceedings. That experience prompted her to look beyond the immediate circumstances and investigate a wider set of questions affecting entrepreneurs, trademark owners and individuals who build businesses around their own names.

The initiative will examine when a personal name begins functioning as a commercial identifier, whether a personal reputation can develop independently from an established corporate brand, how businesses built around shared surnames can coexist, and how domain-name disputes involving genuine personal names should be considered.

The research will draw on intellectual-property law, trademark practice, domain-name jurisprudence and the experience of entrepreneurs operating internationally. WIPO’s published materials, for example, recognize that personal names can in certain circumstances acquire trademark significance through commercial use, while registered personal-name trademarks can provide a basis for UDRP proceedings. 

An Invitation to the Intellectual-Property Community

Rothschild intends to develop the initiative as an open research discussion and plans to invite trademark attorneys, intellectual-property specialists, domain-name lawyers, academics and entrepreneurs to contribute different perspectives.

Rather than presenting one definitive answer, the project will examine where the boundaries between personal identity and commercial trademark rights should be drawn, particularly when the same surname may legitimately be used by different people, families or businesses.

“My interest is not simply in my own situation. It made me realise that there is a much bigger question here. A surname can be a family identity, a personal identity, a business identity and a trademark. What happens when those meanings overlap?”

Rothschild said she particularly welcomes disagreement from professionals working in the field.

“I would actually like lawyers to challenge my thinking. If trademark attorneys, academics or entrepreneurs see the issue differently, I want to hear those arguments. The objective is to understand the boundaries, not to pretend that one person’s experience provides all the answers.”

The project will form part of Rothschild’s broader work examining digital identity, reputation, entrepreneurship, artificial intelligence and the changing relationship between individuals and global brands. Future research will consider how increasingly powerful digital identities may affect the way personal names are used, recognized and protected in international commerce.

About Solli Rothschild

Solli Rothschild is an entrepreneur, investor and founder focused on artificial intelligence, digital identity, global real estate and luxury. Through founder-led initiatives, she explores long-term trends shaping entrepreneurship, investment and cross-border economic development, with a particular interest in the intersection of technology, demographics and the future of global property markets.

X: @SolliRothschild

Media Contact

Organization: Rothschild Media Office

Contact Person: Ava Lindberg

Website: https://www.SolliRothschild.com

Email: Send Email

Contact Number: +4721988862

Country: Norway

Release id: 48934

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