Property and casualty insurance includes all the coverage that aims to compensate damaged property or the civil liability of an individual or a company. Assur360, an AMF-certified firm, specializes in property and casualty insurance — auto, home and business. Our Chamber of Insurance member brokers compare 9+ insurers to find the right coverage at the best price. Free quote in 3 minutes.
IN BRIEF
Property and casualty insurance: understanding the industry
In Quebec, property and casualty insurance includes all property and liability insurance (auto, home, business) — as opposed to life and health insurance (life, health, disability). Governed by the Autorité des marchés financiers (AMF).
Our business: Assur360 is an AMF-certified property and casualty insurance firm , independent of any insurer. We compare 9 markets to offer you the best price on the same protection.
AUTO · HOUSING · COMPANY
Property and Casualty Insurance Quebec 2026
Independent brokers AMF/Chamber of Insurance. Compare 9+ insurers in 3 minutes.
View All Products 1-866-357-4451What is property and casualty insurance?
In Quebec, insurance is divided into two main branches: life and health insurance (life, health, disability) and property and casualty insurance. This includes all policies that cover material property (car, house, business, machinery) or civil liability (damage caused to others). This is the sector where Assur360 is an expert.
PROPERTY and casualty insurance
Protects your belongings (car, home, business) and your civil liability. Auto, home, business, RV, boat, motorcycle, snowmobile, quad, cyber. This is our specialty.
Insurance of PERSONS
Protects you and your loved ones. Temporary and permanent life, critical illness, disability, dental care and medication. Via our specialized partners.
The 3 main components of property and casualty insurance
Car
Mandatory SAAQ liability $50,000, collision, various perils, replacement to new. 9+ insurers compared.
Dwelling
Owner, tenant, condo. Fire, theft, water damage, backup, family liability $2 million.
Enterprise
Property, business interruption, commercial liability, cyber, E&O, fleet.
All Property and Casualty Insurance Products
🚗 Car
Car, SUV, light truck.
🏠 Dwelling
Main residence, tenant.
🏢 Enterprise
SMEs, trade, industrial.
🏕️ Chalet
Second home.
🚙 RV / Motorized
Caravan, motorized.
⛵ Boat
Boat, pontoon, sailboat.
🏍️ Motorcycle
Sport, custom, touring.
🛷 Snowmobile
FCMQ, accessories.
🏎️ Quad / ATV
Side-by-side, sport, utility.
🚛 Trucking
Heavy truck, fleet.
🛡️ Cyber
Ransomware, data leak.
📋 All our products
Full list 17 protections.
The components of a property and casualty insurance policy
Coverage of the property
Compensation in the event of loss or damage to insured property (car, building, goods).
Civil liability (RC)
Protection if you cause property damage or bodily injury to a third party (minimum $1 to $2 million depending on the product).
Frankness
The amount you assume when making a claim (usually $500 to $2,500). The higher it is, the lower the premium.
Exclusions
Uncovered risks (earthquake, flood, intentional act). Some can be added by amendment.
Annual premium
Total cost of the policy. Varies according to profile, area, background, coverage chosen.
The role of the damage insurance broker
A Chamber of Insurance certified broker is an independent professional who shops for you with several insurers. He assesses your risks, compares policies, negotiates the premium and supports you in the event of a claim. Its service is free for you : it is paid by the insurer.
Property and casualty insurance vs. personal insurance
| Criterion | Damage | People |
|---|---|---|
| Material | Assets + Civil Liability Living | , Health, Income |
| Examples | Auto, Home, Business | Life, Disability, Critical Illness |
| AMF + Chamber of Insurance | AMF + CSF | Oversight Body |
| Contract Duration | 1 year renewable | Temporary or lifetime |
| Assur360 Specialty | ✓ Yes, 9+ insurers | Via partners |
3 MIN SUBMISSION
Car, home or business?
Choose your product and let an Assur360 broker compare 9+ insurers for you.
Choose My ProductLegal framework: AMF and Chamber of Insurance
Always check the AMF certificate
In Quebec, anyone offering damage insurance must hold a valid certificate from the AMF and be a member of the Chamber of Insurance. A quote obtained from an uncertified intermediary is illegal and your protection may be void. Assur360 is fully compliant.
Assur360 serves all of Quebec
Our property and casualty insurance brokers cover all regions: Montreal, Quebec City, Laval, Longueuil, Gatineau, Sherbrooke, Trois-Rivières, Saguenay, Thetford Mines and elsewhere. Our 13 offices in Quebec guarantee a local service.
Related pages
All Insurance Products
17 protections available.
Career in property and casualty insurance
Become an AMF / Chamber of Insurance broker.
Disaster Emergency
What to do in the event of a claim?
Quebec Insurance
Overview of all products.
Frequently Asked Questions – Property and Casualty Insurance
Why trust Assur360?
AMF / CHAMBER OF INSURANCE CERTIFIED BROKERS
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