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Quebec Health Clinical Insurance 2026: Professional Liability and Medical Errors

Doctors, dentists, physiotherapists, chiropractors: your clinic has unique risks. Here’s how to protect it in 2026.

5
Essential Blankets
$2-5M
Professional liability limit
100+
Clinics Insured in Quebec
48h
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The 5 Coverages Your Health Clinic Must Have in 2026

A health clinic — medical, dental, paramedical — faces specific risks that go far beyond standard commercial insurance. Professional errors and omissions, cyber liability on patient records, breakdown of specialized medical equipment, loss of revenue due to business interruption, and general liability are the five essential pillars. An Assur360 broker specializing in health analyzes your specialty, patient volume, equipment and personnel to build a custom policy.

Professional Liability (E&O)

Covers claims for medical errors, missed diagnoses, mistreatment. Recommended limit $2 million to $5 million depending on specialty.

Cyber Responsibility

Patient records (RAMQ, Dossier Santé Québec) = priority target for cybercriminals. Covers ransomware, data theft, law 25 notification fees.

Medical goods and equipment

Equipment (X-ray, laser, ultrasound) often represents hundreds of thousands of dollars. Covers mechanical breakdown, theft, fire.

How to do it in 2026

1

Medical Equipment Inventory

Detailed list with serial numbers, replacement value, maintenance contracts. Essential for setting limits.

2

Assess your RC exposure

Volume of patients, type of procedures, history of complaints. Does your professional insurer (CMQ, ODQ) cover everything or do you need to top it up?

3

Check cybersecurity and Bill 25

Audit of your records system, incident response plan, compliant privacy policy.

4

Comparative Submission

A broker compares several health insurers (CNA, Lloyd’s, specialized insurers). Price differences reach 25-40%.

⚠️ Bill 25 applies to all clinics

Since September 2023, Quebec’s Bill 25 imposes strict obligations to protect personal information. An incident must be reported to the Commission d’accès à l’information (CAI) and to the patients concerned. Cyber insurance covers the legal and technical costs of this obligation.

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Quebec regions served

Assur360 supports clients throughout Quebec: Montreal, Quebec City, Laval, Gatineau, Sherbrooke, Trois-Rivières, Saguenay, Lévis, and all regional municipalities. No matter what your postal code is, our AMF-certified brokers are at your service.

Frequently asked questions

What is the difference between the professional liability of the CMQ and that of the company?
The individual RC of the Collège des médecins (ACPM) covers the physician’s medical act. The clinic’s coverage covers non-physician employees (secretaries, nurses) and operating responsibility.
How much does it cost to insure a health clinic?
From $3,000 to $25,000/year depending on the specialty, patient volume and coverage. A broker often gets the best return.
Is cyber insurance mandatory?
Not legally, but it has become essential. An average incident costs a small clinic $200-500K (ransom, notification, legal fees Bill 25).
Is my laser equipment covered?
Yes, with a Specialized Medical Property Endorsement. Declare the exact replacement cost and check if the manufacturer’s warranty is included or separated.
What happens if a patient slips in the waiting room?
This is covered by general civil liability — distinct from professional liability. Typical limit $2 million.
Self-employed physiotherapist — do I need a policy?
Yes. The professional order (OPPQ) requires individual professional liability, but your personal clinic also needs a commercial policy for property, rent, employees.
How does a claim start?
Immediately to your Assur360 broker (1-866-357-4451). Document in writing without admitting liability. Your insurer assigns an adjuster within 48 hours.
Has the pandemic changed coverage?
Yes. Several insurers have clarified pandemic exclusions. Check for Business Interruption Endorsements.
Do I have to cover the teleworking of my administrative staff?
Yes, with an endorsement covering offsite risks and remote cyber liability.
How do I compare submissions?
Call Assur360 at 1-866-357-4451. Our health team compares 10+ specialist insurers and presents you with a clear comparison.

Why do business with Assur360

  • ✓ Firm registered with the Autorité des marchés financiers (AMF)
  • ✓ Certified brokers ChAD and Chambre de la sécurité financière
  • ✓ More than 100,000 customers in Quebec since 2010
  • ✓ Bilingual service available at all times
  • ✓ No cost to the customer: we are paid by the insurer
  • ✓ 9+ insurers compared in a single step

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