COMPANY
Tailor-made business insurance
Liability, property, business interruption: comprehensive protection for SMEs.
IN BRIEF
Professional office insurance
Any professional office (consultant, advisor, agency) needs the basic combination: general liability (visitors), property (equipment, furniture), business interruption, and E&O depending on the business.
Working from home: Your home policy does NOT cover professional activity. A home-based business policy is necessary as soon as you receive clients or store professional equipment at home.
Your office is the heart of your professional practice — water damage, fire, cyberattack or liability lawsuit can cripple your business and revenue. Professional office insurance bundles the protection of your premises, equipment, liability, and data under a single policy. At Assur360, our AMF-certified brokers compare the offers of 9 specialized insurers for professionals in Quebec.
QUEBEC OFFICE INSURANCE
Protect your office, practice, and revenue
Clinic, office, agency — our brokers find the ideal coverage among 9 insurers. Free quote in less than 3 minutes.
Get my free quote→The 6 Essential Covers for Your Office
A good office policy includes several complementary protections. Here are the ones that every professional should evaluate with their broker.
Goods and contents
Furniture, computer equipment, medical instruments, paper records. Covers damage by fire, water damage, theft and vandalism. Recommended replacement cost .
Professional liability (E&O)
Errors, omissions, inadequate advice. Covers attorneys’ fees, damages and settlements. Mandatory for several professional orders in Quebec.
General RC
A customer slips in your lobby, a visitor is injured — your general liability insurance covers bodily injury and property damage caused to third parties on your premises.
Cyber Insurance
43% of cyberattacks target SMBs. Covers data breaches, ransomware, customer notification fees, and system restoration.
Loss of income
If a disaster forces the temporary closure of your office, this coverage compensates for your lost profits and fixed costs (rent, salaries, loans) until the recovery.
Specialized endorsements
Equipment breakage, exterior signage, theft of money, employee dishonesty, glass breakage, sewer backup — customize your policy to your needs.
How much does professional office insurance cost in 2026?
The cost depends on your profession, the size of the office, the number of employees and the coverage chosen. Here are the average annual premium ranges in Quebec:
| Office Type | Annual | premiumCovers included |
|---|---|---|
| Individual office (consultant, accountant) | $500 – $ | 1,500Property + General Liability + Basic E&O |
| Firm (lawyer, notary, architect) | $1,500 – $ | 5,000Property + RC + Extended E&O + Cyber |
| Medical/Dental | Clinic$2,000 – $ | 8,000Medical equipment + RC + professional fault |
| Agency (real estate, advertising, graphic design) | $1,000 – $ | 3,500Property + RC + E&O + cyber |
| Salon (hairdressing, aesthetics, funeral) | $800 – $ | 3,000Goods + RC + products + glass breakage |
| Multi-professional office (5+ employees) | $3,000 – $ | 12,000Full Program + Loss of Income |
These rates vary depending on your location, claims history, and the value of your content. Get your personalized quote→
Eligible professions and offices
Our office insurance program covers a wide range of occupations. Whatever your sector, our brokers will find the right coverage.
🏥 Health and care
Medical clinics, dentists, optometrists, physiotherapists, osteopaths, massage therapists, chiropractors
⚖️ Legal and Finance
Lawyers, notaries, accountants, financial advisors, planners, mortgage brokers, paralegals
📐 Technology and design
Architects, engineers, land surveyors, graphic designers, advertising agencies, web developers
🏠 Real estate and services
Real estate agencies, life insurance firms, financial services, insurance brokers
💇 Personal Care
Hair salons, beauty salons, barbers, spas, beauty clinics
🏛️ Other offices
Funeral homes, tax preparers, consultants, management offices, coworking spaces
Why is office insurance essential?
Did you know?
In Quebec, 1 in 4 SMEs will suffer a major disaster in the next 10 years. Without proper insurance, fire, water damage, or liability lawsuits can result in the permanent closure of your office. The cost of replacing medical or computer equipment alone often exceeds $50,000.
Many professional orders in Quebec require professional liability insurance. Consult the Chambre de l’assurance de dommages (ChAD) or your professional order to find out about your specific obligations.
The 5 factors that influence your premium
Your profession and level of risk
A dental office with $200,000 equipment will not be priced like an accountant’s office. Professions at high risk of prosecution (lawyers, engineers) have higher E&O premiums.
Office size and location
An office in downtown Montreal costs more to insure than a firm in the regions. The proximity of a fire station and the age of the building also matter.
Value of Equipment and Content
Inventory everything: computers, servers, furniture, specialized instruments, works of art, stocks. Undervaluation leads to insufficient compensation.
Number of employees and turnover
The larger your office, the greater the exposure to risk. Turnover is used as the basis for calculating professional liability.
Claims history
A clean record over 3-5 years gives you access to the best rates. A recent claim can increase your premium by 15-40%.
FREE QUOTE
Protect your professional office today
Compare offers from 9 insurers in less than 3 minutes. Free service, without obligation.
Get my free quote→FAQ — Professional office insurance in Quebec
How much does professional office insurance cost in Quebec?
From $500 to $12,000/year depending on the profession and the size of the office: $500-1,500 for a sole office, $1,500-5,000 for a practice, $2,000-8,000 for a medical/dental clinic. The cost depends on the profession, the area, the equipment and the coverages chosen.
What claims are covered by office insurance?
Office insurance covers property damage (fire, water damage, theft, vandalism), general liability (injury to a visitor), professional liability (errors and omissions), cyber risks (data breaches, ransomware), loss of income during a forced shutdown and breakdown of specialized equipment.
Is professional liability insurance mandatory in Quebec?
It depends on your profession. Several professional orders (Bar, Order of Accountants, Order of Engineers, Chamber of Notaries) require it. Even without obligation, it is strongly recommended to protect your personal assets against lawsuits.
My landlord requires insurance — which one should I get?
Your commercial lease likely requires tenant insurance that includes general liability (often $2 million minimum) and coverage for your belongings. This policy is separate from the building insurance held by the owner. Your broker can provide a certificate of insurance to the homeowner.
Is cyber insurance necessary for a small office?
Yes, especially if you store customer data (medical, financial, legal records). 43% of cyberattacks target SMBs. A data breach can cost $200 per compromised record. Quebec’s Bill 25 imposes obligations to protect personal information.
Can I bundle my office insurance with other policies?
Yes, bundling your office insurance with your commercial auto insurance or other business policies can generate multi-policy discounts of 10-20%. Your Assur360 broker optimizes consolidation to maximize your savings.
What should I do in the event of a disaster in my office?
1) Keep everyone safe. 2) Call 911 if necessary. 3) Document the damage (photos, videos). 4) Take emergency measures to limit the damage. 5) Contact your Assur360 broker within 24 hours. 6) Keep all emergency repair invoices.
Why use a broker for office insurance?
A broker like Assur360 compares the offers of 9 insurers, knows the specialized programs by profession (dentists, lawyers, engineers) and negotiates unattainable conditions directly. Its service is free for you — it is paid by the insurer of your choice.
Your office deserves protection that matches your expertise. Get your free quote→