Nous utilisons des cookies pour mesurer l’audience et améliorer votre expérience. Vous pouvez accepter ou refuser. Consultez notre https://www.assur360.ca/en/privacy-policy-and-personal-information/.
Regardless of your sector, any Quebec company needs a coherent set of protections that covers physical risks (buildings, equipment, vehicles), risks to third parties (civil liability, products), professional risks (errors, omissions, advice), cyber risks (Bill 25, ransomware, fraud) and executive protection (D&O). An integrated commercial policy combines these coverages under a single policy with a more competitive overall premium than separate policies. Assur360 supports companies with 1 to 500 employees in all sectors: construction, services, commerce, manufacturing, transportation, IT, professional, catering, real estate.
The 6 main categories of business insurance
Commercial Liability and Products
Damage to third parties (injuries, equipment), customer lawsuits, product defects. The basis of any policy.
Property and equipment
Buildings, contents, stocks, equipment, fleet of vehicles. Fire, theft, vandalism, water damage.
Cyber and Bill 25
Ransomware, customer data leaks, wire fraud, Bill 25 fines. Essential from 2026.
Professional Liability (E&O)
Errors, omissions, wrong advice — for all trades that sell expertise or a service.
Directors’ Protection (D&O)
Personal lawsuits against directors and officers — required by most investors.
Business interruption
Maintenance of income during the closure following a major disaster (3 to 24 months depending on the policy).
💡 Broker’s advice
The biggest mistake made by SME managers : buying a generic commercial policy without adapting the limits to the real risk. A $1 million RCA may be enough for a local restaurant, not for a B2B consultant whose clients can claim $5 million+. A good broker starts by mapping your exposure: biggest client, type of contracts, level of compliance. Then adjusts the limits — often without increasing the total premium.
Frequently Asked Questions
How much does business insurance cost in Quebec?
Varies greatly depending on sector and size. Indicative ranges for 2026: Small business (1-5 employees): $800 to $3,500/year. SME (6-50 employees): $2,500 to $15,000/year. Medium-sized business : $10,000 to $100,000+/year. Factors: turnover, sector, claims history, limits chosen, location.
What coverage is mandatory in Quebec?
None of them is strictly mandatory by the general law, but several sectors impose specific requirements: construction (RBQ),restaurants, health, professional services (professional orders), private security (BSP). In addition, almost all commercial leases, B2B contracts and contractors require a minimum RCA of $2 million.
Should I combine multiple fonts or take a built-in font?
An integrated commercial policy (called a “Package” or “BOP” — Business Owner’s Policy) is generally 15 to 30% cheaper than separate policies for equivalent coverage. Recommended for any stable SME. Very large or atypical risk companies may prefer separate specialized policies.
Does Bill 25 make cyber mandatory?
Not strictly mandatory, but highly recommended. Bill 25 imposes notification obligations and allows for fines of up to $25 million or 4% of global turnover. More and more B2B contracts and OEMs require proof of cyber insurance. To be systematically integrated into your commercial policy.
Are my remote employees covered?
Yes, via standard endorsements. Telework is covered for professional liability and equipment provided to employees. Declare the proportion of teleworking at the time of subscription (generally marginal impact on the premium). The CNESST covers accidents related to work at home.
When should I revise my business policy?
At least once a year at renewal, and for any significant change : new product or service, new establishment, hiring of 5+ employees, acquisition, expansion outside Quebec, new high-volume contract, change in sales of 20%+. Poor follow-up is a common cause of claim denials.
My customer contracts require to be named “additional insured” — how do I do that?
Your broker can add additional co-insureds to your policy, upon request in the policy. Issuance of the nominative certificate within 48 hours. For large companies, the CLT (Certificate of Liability) is issued electronically. Keep a record of your co-insureds for renewal.
Can I insure my activities online, telehealth, teleconsultation?
Yes — remote and virtual services are covered by most modern E&O, as long as they are explicitly declared. Healthcare professionals (telemedicine), consultants, online trainers must confirm that their policy explicitly covers the “delivery of services via electronic means”.
How do I choose the right limits for my business?
Analyze: (1) your largest B2B contract (actual exposure); (2) the typical contractual requirements in your industry; (3) your exposure to end-customer ( B2C) lawsuits. For a standard B2B SME: $2 million RC, $2 million E&O, $1 million cyber, $1 million D&O is a starting point. Adapt with a broker.
Business insurance throughout Quebec
Assur360 supports businesses throughout Quebec: Montreal, Quebec City, Laval, Gatineau, Longueuil, Sherbrooke, Trois-Rivières and Saguenay. Submission and support in all administrative regions of Quebec: Montreal, Laval, Laurentians, Lanaudière, Montérégie, Estrie, Outaouais, Mauricie, Quebec City, Chaudière-Appalaches, Bas-Saint-Laurent, Saguenay-Lac-Saint-Jean, Abitibi-Témiscamingue, Côte-Nord. Our brokers are familiar with regional realities and industry requirements.
100% online quote, free of charge, with comparison of several Canadian insurers.
