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Your business deserves more than basic protection
Assur360 assists Quebec SMEs and organizations in business insurance (commercial insurance): commercial civil liability (RC), commercial property, business interruption, cyber insurance, errors and omissions (E&O), surety bonds and fleet. As an AMF-registered broker, we compare several insurers to build coverage adapted to your sector (trade, services, construction, technology) and your contractual requirements, while controlling the total cost of risk.
At a glance
Comprehensive coverage for building professionals
Our warranties are specifically designed to meet the needs of construction companies of all sizes.
- Civil liability : Covers damage caused to third parties: customers, suppliers or employees.
- Equipment and material protection : Insure your tools, machines and vehicles against theft, breakage and damage.
- Builder’s Risk Insurance : Protect your projects in the event of a delay or loss affecting construction.
- Coverage against major risks : Fire, vandalism, bad weather, etc. Be prepared for any eventuality.
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Why take risks? Secure your construction sites and protect your business with Assur360.
Business Interruption Calculator
Estimate the loss of revenue if your business were to shut down 30, 60, or 90 days after a disaster.
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Damage Protection in Quebec
Each economic activity is exposed to different risks and damages and it is important to protect yourself against the unexpected by choosing the ideal protection to cover the car fleet, equipment, buildings or others. Personalized and adjustable insurance for each company and each sector is offered by Assur360. An opportunity for companies in Montreal and Quebec to pursue their development strategy with peace of mind and confidence.
Recommendations for business insurance:
- Any change in activity must be reported to the insurer in order to avoid the negation of the guarantee.
- The buildings and their occupancy must be detailed to the insurer.
- Communicating the insured’s locations to the insurer or broker to prevent the disability of coverage, whether they are properties or rentals.
- Regular updating of the inventory of goods and possessions as well as any rental improvements.
- Valuation of the property by approved experts and annual update of the valuation.
- Verification of the real value of the property, which must be higher than the insurance limit, under penalty of being penalized in the event of a claim.
- Reading and understanding the exclusions, and if necessary, do not hesitate to discuss them with the insurer to avoid any potential risk.
- Disclosure of all details relating to a claim, including demand letters, notices and summonses.
- The communication of all the circumstances aggravating the risks covered in the insurance contract.
- Verification that the names used for the exercise of one’s economic activity are listed on the various insurance policies.
- Compliance with the insurer’s recommendations.
- Discussion with the insurer before any interruption in service of the various prevention systems.
- The regular review of the limits provided for in the commercial insurance contract, including the one relating to civil liability, which can be revised upwards to reach the $5,000,000 threshold.
- Requesting proof of insurance from subcontractors. A prevention that should not be neglected to avoid being penalized at the time of compensation or compensation.
Insurance for small and medium-sized businesses in Quebec
SMEs in Quebec can claim coverage adapted to their sector of activity. This type of insurance includes apartment blocks with fewer than six dwellings, retail stores, associations and various non-profit organizations, land holdings and manufacturing workshops.
For business owners and managers, they now have the opportunity to protect their assets by using business insurance designed according to their needs, thanks in particular to the company Assur360. This brand has a long experience to its credit, coupled with expertise in commercial insurance.
The guarantees offered cover car fleets, garage services, transporters among others. They also insure the property of merchants and retailers, the activity of restaurants and entrepreneurs, manufacturers, distributors, industries and professionals working in real estate, among others. We insure everywhere in Quebec, whether you are from Montreal, Trois-Rivières, Laval, Beauce, or even the Gaspésie, we can help.
The firm also insures its clients’ civil liability, general liability, professional liability, umbrella liability as well as directors’ and officers’ liability.
To know about business insurance…
Business insurance is a key to success for any structure, regardless of its size, activity, turnover or number of employees.
Having peace of mind is often linked to the presence of appropriate insurance protecting the various operations of the structure, its assets and its activity. Regardless of the sector of activity, there are guarantees protecting against risks arising in each field such as retail, construction, production, etc. Assur360 offers innovative solutions that are made available to its professional and contractor clients who need non-standard insurance products.
Preventing risks
Each company or activity can be exposed to risks or disasters and this is where the insurance brokers of our partner firms intervene to assess the various damages likely to occur in order to offer prevention tools capable of minimizing or even avoiding potential risks.
Business Surety Insurance Cases
It is common for companies to need surety bonds to guarantee their various services, which is why Assurance Assur360 offers them various surety bonds such as contract sureties, directors’ sureties, bond on the loss of documents, etc. A surety bond is not an insurance but more a guarantee.
In the event of a disaster for your company
In the event of a claim, the insurance broker ensures that the insured is supported and helps him or her to resume his or her activity quickly and efficiently.
Your business insurance broker guarantees in the event of a claim
Before starting a business, it is advisable to make an appointment with a commercial damage insurance broker to discuss with him the various guarantees necessary to effectively protect your business. Although our head office is in Thetford Mines for your business protection , we insure everywhere in Quebec. An Assur360 advisor studies the client’s file and offers solutions adapted to their needs and expectations.
Frequently asked questions about business insurance in Quebec
What is business insurance in Quebec?
Business insurance in Quebec protects your small business against financial losses caused by property damage, third-party claims or business interruption. Governed by the Act respecting the distribution of financial products and services (ADFPS), it is distributed exclusively by brokers certified by the Autorité des marchés financiers (AMF). Key coverages include: Commercial General Liability, Commercial Property, Business Interruption, Cyber Insurance, and Errors and Omissions.
How much does business insurance cost in Quebec in 2026?
The cost varies between $1,500 and $15,000 per year depending on your sector, turnover and coverage chosen. A service SME typically pays between $2,000 and $5,000 annually for commercial liability and basic goods coverage. High-risk sectors such as construction or transportation pay more. Comparing via a broker often reduces the premium by 15 to 30%.
Is liability insurance mandatory for my business in Quebec?
It is mandatory in certain regulated sectors: construction with RBQ licence, professions that are members of a professional order. For other businesses, it is highly recommended as a single uncovered claim can jeopardize your business. Most clients and landlords require this contractually.
Why do I need business insurance?
Business insurance protects your SME against lawsuits, property damage, third-party injuries and business interruption. Without coverage, a single claim or dispute can jeopardize your business. The most common policy is general liability insurance, but depending on your industry, you may need additional coverage: commercial property, errors and omissions, cyber insurance, or surety bonds.
What is the difference between an insurance broker and an insurance agent?
A broker like Assur360 represents the client and compares the offers of several insurers to find optimal coverage at the right price. An agent represents a single insurer and can only offer its products. In Quebec, both must be certified by the Autorité des marchés financiers (AMF).
Does a self-employed person need business insurance?
Yes. As a self-employed worker in Quebec, you are personally responsible for your professional acts. Professional liability insurance (errors and omissions) protects you against claims from dissatisfied customers. Depending on your business, commercial property insurance and cyber insurance may also be required.
Business interruption: how does it work?
Business interruption insurance compensates your company’s gross margin and net income during a business shutdown caused by a covered loss (fire, breakage, water damage, etc.). Check the compensation period (usually 12 to 24 months) and the waiting period provided for in the contract.
“Additional insured”, “waiver of recourse”, “primacy”: what is it?
These are contractual clauses frequently requested by lessors or clients in Quebec. The additional insured extends coverage to a third party, the waiver of recourse prevents the insurer from suing that third party, and the primacy determines which policy pays first. These clauses can increase the premium. Send your contracts to the broker to integrate them as soon as you quote.
Who can benefit from business insurance?
Business insurance covers SMEs, commercial property owners, non-profit organizations and self-employed workers in Quebec. An AMF-certified broker assesses the specific needs of each structure to offer tailor-made coverage protecting assets, civil liability and business continuity.
Why take out business insurance online?
Purchasing business insurance online allows you to quickly compare several insurers’ offers, obtain competitive rates and finalize the process in a few minutes. At Assur360, the online quote is processed by an AMF-certified broker who personally validates each file to ensure adequate coverage.
What is the price of business insurance in Quebec?
The cost varies considerably depending on several factors: type of activity (some sectors are riskier), size of the company (revenue, number of employees), geographic location, claims history, type and level of coverage. To get an accurate estimate, request a free quote — our partner brokers’ brokers assess your specific needs and provide customized quotes.
What is business insurance in Quebec?
Business insurance in Quebec protects your small business against financial losses caused by damages, claims or business interruption. Governed by the Distribution Act, it is distributed exclusively by brokers certified by the AMF.
| Type of coverage | What is protected | Mandatory? |
|---|---|---|
| Commercial | liabilityDamage to third parties | By sector |
| Commercial | PropertiesEquipment, stock, premises | No |
| Business | interruptionPost-disaster | revenue lossesNo |
| Cyber Insurance | Data breaches | , ransomwareNo |
| Errors and omissions | Malpractice | In order |
Business Insurance by Industry
Each sector has its own risks. The brokers of our AMF-certified partner firms know the specific needs of your industry and compare several insurers to offer you the best protection.
Trade and Retail
- E-Shop Insurance
- Sports shop insurance
- Shoe store insurance
- Hardware Insurance
- Florist insurance
- Art gallery insurance
Construction and field services
- Roofing insurance (RC)
- Plumber Insurance
- General contractor insurance
- Moving insurance
- Housekeeping Insurance
Health and Professional Services
- Veterinary clinic insurance
- Dental clinic insurance
- Nutritionist insurance (RC)
- Massage therapy center insurance
Specialized industries and sectors
- Machine Shop Insurance
- Mine and quarry insurance
- Logging Insurance
- Slaughterhouse insurance
- Vegetable Production Insurance
- Warehousing and logistics insurance
- Sorting centre insurance
Creative, tech and digital services
- Video game studio insurance
- Graphic Design Agency Insurance
- Cybersecurity Business Insurance
- Environmental Consulting Insurance
Tourism, leisure and catering
FREE TOOL
Business Interruption Calculator
Assess your gross insurance profit, detect underinsurance and simulate the impact of a loss on your business.
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Protect your business at the right price
The brokers of our AMF-certified partner firms compare several insurers to find you the best business coverage.
Business Insurance by Trade and Sector
More than 100 trades and sectors covered in Quebec: commerce, professional services, construction, health, accommodation, restaurants, transportation and industry. Select your domain for a specific guide.
How to find cheap business insurance in Quebec?
To get affordable business insurance: compare offers via a broker who shops with several insurers, adapt the coverage to your real needs, increase the deductible to reduce the annual premium, and take advantage of multi-policy discounts if you have several insurances (auto, home, business). A comparison site like Assur360 compares the best options on the market for free.