Qui paye le courtier en assurance entreprise?

Le courtier est remunere par commission des compagnies d'assurance (10 % a 20 % de la prime), un montant deja inclus dans le prix de votre police. Ses services sont donc gratuits pour votre entreprise.

Quel est le prix moyen d'une assurance entreprise au Quebec?

Un travailleur autonome paie entre 450 $ et 900 $/an, un commerce de detail entre 900 $ et 2 000 $, tandis qu'une PME manufacturiere peut debourser de 2 500 $ a 6 000 $/an.

Quelle est la difference entre un courtier et un agent pour l'assurance entreprise?

Un agent represente un seul assureur. Un courtier est independant : il represente votre entreprise et peut magasiner parmi plusieurs assureurs pour trouver la meilleure offre. Les deux sont encadres par la ChAD et l'AMF.

Quels types d'assurance entreprise un courtier peut-il offrir?

Responsabilite civile generale, responsabilite professionnelle, biens commerciaux, pertes d'exploitation, auto commerciale, D&O, cyber-risque, pollution et cautionnement.

L'assurance responsabilite civile est-elle obligatoire pour une entreprise au Quebec?

Elle n'est pas obligatoire par la loi pour toutes les entreprises, mais fortement recommandee et souvent exigee par les clients, contrats et ordres professionnels.

Que couvre l'assurance pertes d'exploitation?

Elle compense les revenus perdus si votre entreprise doit cesser ses activites suite a un sinistre couvert. Elle couvre les salaires, le loyer, les charges fixes et les profits perdus.

Mon entreprise a-t-elle besoin d'une assurance cyber-risque?

Si votre entreprise stocke des donnees clients ou traite des paiements en ligne, l'assurance cyber est fortement recommandee. La Loi 25 au Quebec impose des obligations de declaration en cas de fuite de donnees.

Comment un courtier peut-il faire economiser mon entreprise?

Le courtier met les assureurs en concurrence, identifie les rabais, optimise les franchises. En moyenne, les entreprises economisent 15 a 30 % en passant par un courtier.

A quelle frequence revoir mon assurance entreprise?

Une revision annuelle minimum. Aussi lors d'embauches, ajout de vehicules, demenagement, nouvelle activite ou changement significatif du chiffre d'affaires.

Un travailleur autonome a-t-il besoin d'un courtier en assurance?

Oui. Meme en solo, vous etes expose a des risques. Un courtier peut trouver une police adaptee (450 $ a 900 $/an) couvrant la RC professionnelle et la protection de vos biens.

Businesses and SMEs

Business Insurance Broker in Quebec

An AMF-certified broker to protect your business. Compare offers from 9+ insurers and get the best coverage at the best price.

Get my free quote→ 1-866-357-4451

Trust certified professionals

Doing business with a business insurance broker in Quebec means benefiting from customized support to protect your assets, your employees and your profitability.

Assur360’s broker partners put their expertise in the Quebec market at your service to assess the risks specific to your sector, whether it is retail, construction, transportation or professional services.

Their mission: to find the most advantageous coverage, adapted to the size of your business, while optimizing the cost of premiums thanks to a comprehensive analysis of the offers of major insurers such as Intact, Aviva, Definity, Promutuel and Northbridge.

How it works

Form

Fill out our online form with your company information

Comparison

We compare offers from 9+ insurers for your industry

Broker advice

An AMF-certified broker contacts you with the best options

Protection Enabled

Choose the ideal coverage and protect your business

The functions of a business insurance broker

The role of a business insurance broker is essential to ensure that businesses are adequately protected. Here are the functions, responsibilities and methods employed by a business insurance broker to get the best quotes when comparing insurers on the market.

Understand business needs

A commercial insurance broker begins by deeply understanding the specific needs of the business. It analyzes size, industry, assets, employees, and potential risks to determine the coverage needed.

Market Research and Analysis

The broker then conducts in-depth research of the insurance market to identify the companies and policies that best fit the needs of the business. It takes into account the insurers’ reputation, rates, coverage options and claims history.

Obtaining competitive bids

The broker solicits quotes from several insurance companies, ensuring that they obtain competitive offers. He negotiates with insurers to obtain the best conditions and the most advantageous rates for the company.

Did you know?  Small business owners often work in multiple roles — marketing, finance, management, sales. That’s why Assur360 simplifies the process: quick online quote, personalized follow-up by a broker, at your own pace. On average, companies save 15 to 30% by going through a broker rather than renewing directly with their current insurer.

Assessment and recommendation

After receiving the quotes, the broker evaluates them thoroughly. It analyzes the terms, conditions, and exclusions of each policy to ensure that it meets the needs of the business. Then, he recommends the best option to the company.

Complaint assistance

A business insurance broker not only finds the right insurance, they also play a vital role in the event of a claim. He assists the company in the claims process, ensuring that the company gets fair and timely compensation.

Monitoring

The job of a business insurance broker doesn’t end with the purchase of the policy. He constantly monitors the insurance market and the changing needs of the business. If necessary, he adjusts the coverage to adapt to changes in the company.

Saves time and money

In summary, a business insurance broker acts as a strategic partner for businesses by helping them get the right coverage while saving time and money. His expertise and access to a wide range of insurance companies make him an invaluable asset to any business.

Choosing a competent business insurance broker can make a difference in protection and financial efficiency for your business. Make the right choice to future-proof your business.

Estimated Business Insurance Rates in Quebec

industry annual premium 900 2,000 company 3,500 4,500 SMEs 6,000 business 3,000

Type of business	Typical	Estimated	Risk level	Recommended Coverage
Self-employed / consultant	Professional Services, IT, Marketing	$450 — $	Low	Professional liability, theft of equipment
Retail	Shops, grocery stores, convenience stores	$900 — $	Medium	Property, inventory, business interruption
Construction	General contractor, subcontractor	$1,500 — $	High	RC, construction site, commercial vehicles
Transport / logistics	Trucks, Delivery, Warehouse	$2,000 — $	High	Vehicles, cargo, professional liability
Manufacturing	Production, processing	$2,500 — $	High	Multi-risk business, business interruption
Agricultural	Farm, maple grove, breeder	$1,000 — $	Variable	Buildings, livestock, machinery, agricultural RC

Types of products offered by a business broker

It is important for businesses to work closely with their insurance broker to assess their specific needs and determine the most appropriate types of coverage to minimize financial risks.

General Liability Insurance: Protects the company from claims related to bodily injury, property damage, and injury to others.
Professional Liability Insurance: Provides protection against negligence, errors or omissions in the provision of professional services.
Commercial Property Insurance: Covers property loss and damage to company property, such as buildings, equipment, and inventory.
Business Interruption Insurance: Compensates for financial losses related to business interruption due to covered losses.
Employee Insurance: Includes health insurance, life insurance, disability insurance, and other employee benefits.
Directors’ and Officers’ Liability (D&O) Insurance: Protects officers and directors from claims related to the management of the business.
Cyber Risk Insurance: Covers financial losses related to cyber-attacks, data breaches, and IT disruptions.
Commercial Auto Insurance: Insure vehicles used in the company’s business activities.
Pollution insurance: Protects against costs related to pollution and accidental spills.
Environmental Liability Insurance: Covers environmental damage caused by the company’s activities.

Broker’s advice: Don’t limit yourself to just one coverage. A well-structured business insurance program combines several coverages to cover all of your risks. Your Assur360 broker can bundle your policies to get significant multi-product discounts.

Why trust Assur360?

✓

AMF certified

All of our brokers are licensed by the Autorité des marchés financiers du Québec

✓

ChAD Members

Supervised by the Chambre de l’assurance de dommages for your protection

✓

100,000+ Submissions

Thousands of Quebec companies trust us every year

Business insurance brokers throughout Quebec

Our business insurance brokers serve all regions of Quebec. Whether your business is located in Montreal, Quebec City, Laval, Gatineau, Sherbrooke, Trois-Rivières, Saguenay or Longueuil, an AMF-certified broker is available to analyze your needs and provide you with the best offers on the market. Fast online service, no matter where you’re in.

Frequently Asked Questions — Business Insurance Broker

Who pays the commercial insurance broker?

The broker is compensated by commission from insurance companies (usually 10% to 20% of the premium), an amount already included in the price of your policy. Its services are therefore free for your business. The ChAD oversees the transparency of this remuneration.

What is the average price of business insurance in Quebec?

The cost varies depending on the industry, size and level of risk. A self-employed worker pays between $450 and $900/year, a retail business between $900 and $2,000, while a manufacturing SME can pay between $2,500 and $6,000/year. A broker compares the offers of several insurers to get the best coverage/price ratio.

What is the difference between a broker and an agent for business insurance?

An agent represents a single insurer and sells only its products. A broker is independent: they represent your business and can shop around with several insurers (Intact, Aviva, Promutuel, Northbridge, etc.) to find the best deal. Both are supervised by the ChAD and the AMF.

What types of business insurance can a broker offer?

A broker covers all needs: general liability, professional liability (errors and omissions), commercial property, business interruption, commercial auto, D&O (officers and directors), cyber risk, pollution and surety bonds.

Is civil liability insurance mandatory for a business in Quebec?

It is not mandatory by law for all businesses, but it is strongly recommended and often required by clients, contracts and professional orders. Some sectors (construction, professional services, transportation) have specific regulatory obligations. A broker can identify the mandatory coverages for your industry.

What does business interruption insurance cover?

Business interruption insurance compensates for lost income if your business has to cease operations following a covered loss (fire, water damage, major breakdown). It can cover employee salaries, rent, fixed costs, and lost profits during the recovery period. This is an essential protection for Quebec SMEs.

Does my business need cyber risk insurance?

If your business stores customer data, uses IT systems, or processes payments online, cyber insurance is highly recommended. The Privacy Act (Bill 25 in Quebec) imposes reporting obligations in the event of a data breach. Cyber insurance covers notification costs, system restoration, and legal liability.

How can a broker save my business money?

The broker puts insurers in competition, identifies available discounts (multi-policy, prevention, good record), optimizes deductibles and eliminates unnecessary coverage. On average, companies save 15 to 30% by going through a broker rather than renewing directly with their current insurer.

How often should I review my business insurance?

At a minimum, an annual review is recommended. You should also review your coverage if you hire staff, add vehicles, move, start a new business, or if your turnover changes significantly. A broker ensures this monitoring and alerts you if adjustments are necessary.

Does a self-employed person need an insurance broker?

Yes. Even if you are solo, you are exposed to risks: professional errors, theft of equipment, injury to a customer on your premises. A broker can find a policy that fits your budget (often between $450 and $900/year) that covers professional liability and protection of your property. This is a minimal investment compared to the risk of a lawsuit.