Assur360 is a property and casualty insurance brokerage firm certified by the Autorité des marchés financiers (AMF). We support environmental consulting firms in Quebec (site characterization, impact studies, rehabilitation, environmental audits, MELCCFP compliance) in the search for coverage adapted to occupational risks, pollution liability and cybersecurity of sensitive data.
IN BRIEF
Insurance for environmental consulting firms
Environmental engineering firms (Phase I/II/III, audit, site remediation) need a high E&O ($5-10 M) AND pollution liability covering erroneous recommendations causing a claim.
Criticism: Phase I/II conclusions commit the expert for several years (long-tail liability). Well-managed back-to-date coverage is essential for continuity.
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Environmental Consulting Office Insurance 2026
Professional Liability E&O, Pollution (CPL/CEL), D&O, Cyber. Compare 9+ insurers in 3 minutes.
Get my free quoteWhy insure an environmental consulting firm
An environmental consulting firm accumulates high occupational risks: a poorly executed characterization study can lead to lawsuits of several millions, accidental contamination on an industrial site engages your civil liability and pollution, and customer data (Phase I/II reports) represent a prime target for cyberattacks.
Professional Errors (E&O)
An incomplete Phase II report, erroneous notification, or deficient recommendation can lead to multi-million dollar claims. Institutional clients almost always require proof of E&O coverage before a mandate is awarded.
Accidental pollution
A borehole that pierces a contaminated water table, a leaking sample, defective equipment: your intervention can aggravate existing contamination. The CPL/CEL policy is essential to protect your office from third-party claims.
Cybersecurity and Bill 25
Your servers contain confidential reports, site plans, and strategic environmental data. A violation exposes your office to fines under Bill 25 (up to $25 million) and the loss of trust of your clients.
Essential Coverages for an Environmental Consulting Office
Professional liability (E&O)
Covers errors, omissions or negligence in the performance of professional mandates: reports, opinions, studies, recommendations. Minimum recommended coverage: $2 million per claim.
Pollution liability (CPL/CEL)
Protects against damage caused by contamination during your on-site interventions: drilling, sampling, rehabilitation. Usual limits: $1 million to $5 million.
Commercial Properties
Office covers, field equipment (probes, detectors, GPS, utility vehicles), inventory, business interruption in the event of a disaster (fire, water damage, theft).
Subcontractors and independent liability
Endorsement covering errors made by your subcontractors (drillers, laboratories, technicians). Requires certificates of insurance from all subcontractors on file.
D&O (Officers and Directors)
Protects shareholders and directors personally against lawsuits by creditors, employees, regulatory authorities (MELCCFP, AMP, Revenu Québec).
Cyber risks and Bill 25
Data breach, ransomware, business interruption, notification to affected persons, fines. Critical for any office dealing with sensitive customer data.
Steps to get your quote
Fill out the online form
3 minutes is enough: turnover, number of employees, types of mandates, claims history, services offered.
A specialized broker contacts you
Our AMF-certified brokers analyze your profile and identify critical coverages for your office.
Comparison of 9+ insurers
We solicit insurers specializing in professional liability and pollution (Chubb, AIG, Victor, Berkley, Trisura, etc.).
Choose your policy and subscribe
You receive a clear benchmarking, sign online and receive your insurance certificates for your institutional clients.
Broker’s advice
Always require a 5 to 10-year tail coverage when changing insurers or ceasing operations. Environmental requirements in Quebec can last up to 10 years, and your professional liability does not expire with the end of a mandate.
Indicative rates 2026 — Environmental Consultation Office
| Office Profile | Professional E&O liability | PLC/CEL pollution | Properties | Cyber | Total annual premium |
|---|---|---|---|---|---|
| 1 independent professional | $2,500 – $4,000 | $1,200 – $2,000 | $400 – $700 | $600 – $1,000 | $4,700 – $7,700 |
| Office 2-5 employees | $3,800 – $6,500 | $2,000 – $3,500 | $700 – $1,400 | $900 – $1,600 | $7,400 – $13,000 |
| Office 6-15 employees | $6,500 – $12,000 | $3,500 – $7,000 | $1,400 – $2,800 | $1,500 – $3,500 | $12,900 – $25,300 |
| Office 16+ employees | $12,000 – $35,000 | $7,000 – $25,000 | $2,800 – $6,500 | $3,000 – $10,000 | $24,800 – $76,500 |
*Indicative rates 2026. Get your exact price in 3 minutes.
Beware of unreported activities
Any activity not mentioned in the subscription (e.g. assessment of contaminated sites, rehabilitation, dismantling of reservoirs, forensic expertise) may lead to a refusal of coverage in the event of a claim. Declare all your services, even marginal ones, when subscribing.
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Compare 9+ Specialty Insurers
Get the best rates for your environmental consulting firm in Quebec.
Compare 9+ insurersWe cover environmental consulting offices throughout Quebec
Our AMF-certified brokers support environmental consultants in Montreal, Quebec City, Laval, Longueuil, Sherbrooke, Gatineau, Trois-Rivières, Saguenay and Thetford Mines. We are aware of the specific requirements of the MELCCFP, municipalities and Quebec industrial contractors.
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