Meta Pixel tracker

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/.

Liability insurance

COMPANY

Tailor-made business insurance

Liability, property, business interruption: comprehensive protection for SMEs.

Orso, business insurance broker in Montreal

Protect yourself against the unexpected

Civil liability insurance in Quebec

Civil liability insurance is your financial shield. It covers property damage, bodily injury and damage you may cause to third parties — whether you are an individual or a business. The brokers of our AMF-certified partner firms compare the best insurers in Quebec to get you the optimal coverage at the best price.

$2M
Recommended Coverage
$25
From / year (private)
15+
Insurers Compared
24h
Quick Quote
Advisor and client signing civil liability protection

At a glance

Essential protection against third-party lawsuits

Third-party liability insurance covers bodily injury or property damage that you cause to others. Included in most auto, home and business policies — but with limits that are sometimes too low.

Assur360’s partner firms assess your coverage needs ($1 million, $2 million or $5 million) according to your professional and wealth profile.

Why is liability insurance essential for individuals?

Personal liability insurance protects you against the financial consequences of accidents and unforeseen incidents in everyday life. In Quebec, the minimum recommended coverage is $1,000,000, but many brokers suggest $2,000,000 for adequate protection.

🚗 Motor vehicle accident

Are you at fault in an accident and have injured someone or damaged their vehicle? Without car liability, you would be personally responsible for repairs, medical expenses, and legal fees.

🏠 Property damage

Water damage in your home that affects your neighbour’s home, a child breaking a window — your home liability insurance covers repairs and replacements.

🩹 Bodily injury

Your dog bites a passerby, a guest gets hurt in your home — the RC covers the victim’s medical expenses and legal fees if they decide to file a complaint.

Commercial liability insurance in Quebec

Companies are exposed to a multitude of risks and require appropriate commercial liability insurance . Premiums typically range from $500 to $5,000/year depending on the size of the business, industry, and revenue.

⚠️

Accidents at work

An employee is injured? The company liability insurance covers medical expenses and the costs related to a possible lawsuit, in addition to the CNESST.

📦

Defective products

A product made or sold causes damage? Civil liability covers repair, replacement and financial losses for the consumer.

⚖️

Professional negligence

Error in a professional service? Professional liability insurance covers defence costs and damages.

Types of liability coverage in Quebec

✓
General liability — Covers bodily injury and property damage caused to third parties
✓
Professional Liability (E&O) — Errors and Omissions in Professional Services
✓
Directors and Officers (D&O) Liability — Protects management decisions
✓
Product liability — Damage caused by a product manufactured or sold
✓
Umbrella RC — Additional coverage beyond the basic limits

How much does liability insurance cost?

Individuals $25 to $100/year
Self-employed workers$300 to $1,500/year
SME $500 to $5,000/year
High-risk businesses$5,000 to $25,000+/year
⚠️ Be careful — without RC, you pay out of pocket

In Quebec, if you are found liable for damages without adequate liability coverage, you must personally pay all costs: repairs, medical expenses, legal fees and damages. A single lawsuit can easily exceed $500,000. For a few dozen dollars a year, civil liability protects you against financial ruin.

Liability insurance according to your profile — Individual, tenant, owner, professional

Civil liability takes many forms depending on your situation. Here are the main variations and what they are used for in Quebec in 2026 — useful to know which coverage to check when taking out.

PRIVATE

Privacy liability

Covers bodily injury and property damage that you, your spouse or your children cause to others in the context of your private life (sports, leisure, pet). Usually included in your home, homeowner or tenant policy.

TENANT

Tenant’s liability

Protects against recourse by the landlord (fire caused to the unit) and neighbours (water damage coming down a floor). Almost always required in the lease. Ceiling $1 million or $2 million recommended.

See the dedicated page for tenant liability →
OWNER

Owner-occupier’s liability

Covers injuries to a visitor on your property (icy stoop, broken step), damage caused to a neighbour by your tree or pool. Included in your home insurance.

OWNER-LESSOR

Landlord’s RCA (income property)

If you rent a plex or an apartment: recourse by an injured tenant on the property (fall down the stairs, poorly maintained defect). Specific to home income property policies.

PROFESSIONAL

Professional liability (errors and omissions)

Reserved for professionals (consultants, accountants, lawyers, engineers, brokers): covers errors, negligence, bad advice that cause financial damage to a client.

COMPANY

Commercial Liability (CGL)

General operating liability: injuries to a customer in a store, material damage caused by your activity, product-completed liability. Part of a commercial policy.

BROKER ADVICE

Are you a tenant ? Your RC is one of the most important coverages in your policy — much more than the value of your belongings. A single water damage that floods the floor below can exceed $50,000 in claims. For an additional $5 to $10 per month, upgrade to $2 million in RC. See the complete RC tenant page →

Civil liability insurance by region in Quebec

Whether you’re in Montreal, Quebec City, Laval, Longueuil, Gatineau, Sherbrooke, Trois-Rivières, Saguenay, Drummondville or Rimouski, the brokers of our partner firms certified by the Autorité des marchés financiers (AMF) find the right liability coverage for your needs. Some professional orders, such as the Chambre de l’assurance, require a minimum liability coverage to practice.

Get your free RC quote

The brokers of our partner firms compare the offers of 15+ insurers to find you the best coverage at the best price.

Frequently Asked Questions — Third Party Liability Insurance

Who needs liability insurance?
Anyone can benefit from liability insurance, but it’s especially important for homeowners, renters, car drivers, and business owners. In Quebec, liability insurance is generally included in both home and auto policies, but it’s a good idea to check your coverage limits.
Is civil liability insurance mandatory in Quebec?
In automobile insurance, liability insurance is mandatory in Quebec with a minimum of $50,000 (most insurers offer $1,000,000 by default). For businesses, although not always legally mandatory, some professional orders and contracts require it. Consult the Insurance Board for obligations in your sector.
What is the difference between general liability and professional liability?
General liability insurance covers bodily injury and property damage caused to third parties (e.g., a customer slips in your business). Professional liability (errors and omissions) specifically covers damages resulting from an error, omission, or negligence in the provision of professional services.
How much liability coverage is recommended?
For individuals, coverage of $2,000,000 is recommended (the additional cost is minimal compared to $1 million). For companies, the amount depends on the industry, the number of employees and the turnover. An Assur360 broker can assess your specific needs free of charge.
Is civil liability included in my home insurance?
Yes, most home insurance policies in Quebec include basic liability coverage (usually $1,000,000 or $2,000,000). This coverage protects you if someone gets hurt in your home or if you cause damage to someone else’s property. Check your policy or contact your broker to find out your limits.
How can I reduce my commercial liability insurance premium?
Group your policies (liability + property + auto) with the same insurer, maintain a good claims history, set up documented risk prevention policies and compare the offers of several insurers via a broker from our partner firms such as Assur360.
What exactly does motor liability cover in Quebec?
Auto liability insurance in Quebec covers property damage caused to third parties (vehicles, fences, buildings) and bodily injury outside Quebec. In Quebec itself, bodily injuries are covered by the SAAQ (no-fault plan). The minimum coverage is $50,000, but $1,000,000 or $2,000,000 is highly recommended, especially if you’re driving in the United States.
Does civil liability cover damage caused by my children?
Yes, the civil liability included in your home insurance generally covers damage caused by your minor children to third parties. If your child breaks the neighbour’s window or injures a friend, your RC covers the costs. Check the limits of your policy to make sure they are sufficient.



Why trust Assur360?


✓AMF Certified — Autorité des marchés financiers

✓ Member Insurance Chamber — Insurance Chamber

✓100,000+ insured customers in Quebec

Related Articles and Resources

Scroll to Top