Business Insurance by Activity Quebec 2026

BY ACTIVITY

Customized business insurance — by industry

Each sector has its own risks and special requirements. Find the right insurance for your business: construction, IT, commercial, professional, transportation, health, agricultural, manufacturing.

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40+ Sectors

Cutlery

Tailor-made

By Activity

2 min

Quick Quote

AMF

Certified brokers

Generic business insurance doesn’t always reflect the real risks of your business. A law firm needs E&O, a machinery roofing manufacturer, a high-limit cyber policy MSSP, a food freeze restaurant. Choosing an activity-based policy allows you to pay the right price and avoid surprise exclusions in the event of a claim.

Quebec business by activity — Assur360 insurance

IN BRIEF

Business Insurance by Industry

Each sector has its own risks: trade, catering, health, education, technology, manufacturing, construction, hospitality, agriculture. A font that is tailored to your exact business is essential.

Our approach: Assur360 has developed specialized programs for 30+ sectors of activity. Free audit of your current program to identify any possible gaps or discounts.

Sectors covered by Assur360

Construction & Building

General contractors, roofers, electricians, plumbers, carpenters, excavators — RBQ compliant.

IT, SaaS & Cybersecurity

Developers, MSSPs, consultants, software vendors, integrators, hosting providers — with E&O and cyber.

Retail

Boutiques, convenience stores, jewellery stores, franchises — inventory, theft, commercial liability.

Professional Services

Lawyers, accountants, engineers, architects, designers, consultants — high-limit E&O.

Health & Wellness

Clinics, occupational therapists, nutritionists, massage therapists, training centres — professional liability

Transport & logistics

Trucking, moving, storage, delivery — fleet + carrier liability.

Catering & Food

Restaurants, caterers, bakeries, producers — product liability + food freeze.

Manufacturing & Industrial

Manufacturing, shop, welding, biotechnology — RC products + equipment breakdown.

💡 Broker’s advice

If your business has several distinct activities (e.g., IT consulting + pentest, or construction + rental property), inform your broker. A single “business” policy with unreported activities can be invalid in a claim. It is sometimes necessary to have two separate policies or one policy with specific endorsements per activity.

Frequently Asked Questions

Why choose activity-based insurance over a generic policy?

Each profession has its major risks and its usual exclusions. A generic policy often applies overly broad exclusions (“any professional activity”) or insufficient limits. An activity-based policy targets precisely what you’re doing — and what can go wrong in your specific business.

My company has several activities — what should I do?

Declare all activities, even marginal ones (more than 5% of turnover). For example, a plumber who also does pool repair must mention both. The broker can either find an insurer that covers both or structure two policies with coordinated endorsements.

My industry is not on your list — can you assure me?

Yes — we cover 40+ documented sectors plus many others not listed. Contact us with your NAICS code or a description of your activities. In 95% of cases, we find suitable coverage within 72 hours.

Can I change my insurance if my activity changes?

Yes, at any time. A major change in activity (new service, new market, geographical expansion) must be declared immediately to the insurer, without waiting for renewal. Unreported activity can invalidate a claim.

How long does it take to get a quote by activity?

For standard sectors (retail, office, services): 2 to 10 minutes online. For specialized sectors (pentest, biotechnology, works of art, extreme sports): 24 to 72 hours of subscription, with additional questionnaires.

Can startups get business insurance?

Yes, even without significant turnover. Many insurers offer startup policies with a minimum premium between $600 and $1,500/year. For IT or SaaS startups, E&O + cyber coverage is often required by investors as early as the seed funding round.

Do non-profit organizations (NPOs) have access to this type of coverage?

Yes, and some insurers offer preferential rates for NPOs. Specific risks include directors’ liability (D&O) — essential to protect board members who act on a pro bono basis.

How do I identify the correct NAICS code for my business?

The North American Industry Classification System (NAICS) code describes your main activity. You can look for it on the Statistics Canada website. If you are unsure, your Assur360 broker will determine it with you when you quote.

Business insurance throughout Quebec — all sectors

Assur360 supports businesses throughout Quebec: Montreal, Quebec City, Laval, Gatineau, Longueuil, Sherbrooke, Trois-Rivières and Saguenay. From the Mile End IT startup to the general contractor in Chicoutimi, from the dental office in Laval to the manufacturer in Victoriaville: our brokers adapt to your sector and your region.

100% online quote, free of charge, with comparison of several Canadian insurers.