{"id":15671,"date":"2023-02-06T12:03:19","date_gmt":"2023-02-06T17:03:19","guid":{"rendered":"https:\/\/www.assur360.ca\/professional-liability-insurance-2\/"},"modified":"2026-06-26T01:39:31","modified_gmt":"2026-06-26T05:39:31","slug":"professional-liability-insurance-2","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/enterprise\/professional-liability-insurance-2\/","title":{"rendered":"Quebec Professional Liability Insurance (E&#038;O) \u2014 Free Quote"},"content":{"rendered":"&#8220;`html\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px 36px;margin:32px auto;box-shadow:0 10px 30px rgba(13,31,45,0.18);max-width:100%;\">\n  <div style=\"display:flex;gap:32px;align-items:center;justify-content:center;flex-wrap:wrap;\">\n    <div style=\"flex:1 1 380px;min-width:280px;text-align:left;\">\n      <p style=\"color:#10c4c7;font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:3px;margin:0 0 10px;\">COMPANY<\/p>\n      <p style=\"color:#ffffff;font-size:28px;font-weight:800;margin:0 0 12px;line-height:1.25;font-family:inherit;\">Tailor-made business insurance<\/p>\n      <p style=\"color:#94a3b8;font-size:16px;line-height:1.6;margin:0 0 22px;\">Liability, property, business interruption: comprehensive protection for SMEs.<\/p>\n      <div style=\"display:flex;gap:10px;flex-wrap:wrap;\">\n        <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:14px 26px;border-radius:8px;font-weight:700;text-decoration:none;font-size:15px;display:inline-block;\">Company<\/a>\n Quote<a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:14px 26px;border-radius:8px;font-weight:700;text-decoration:none;font-size:15px;display:inline-block;border:2px solid #ffffff;\">\ud83d\udcde 1-866-357-4451<\/a>        \n      <\/div>\n    <\/div>\n    <div style=\"flex:0 0 240px;text-align:center;\"><img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2025\/05\/orso-meilleur-courtier-dassurance-entreprise-a-montreal.png\" alt=\"Orso, business insurance broker in Montreal\" style=\"max-width:240px;width:100%;height:auto;display:block;margin:0 auto;filter:drop-shadow(0 6px 16px rgba(16,196,199,0.3));\" loading=\"lazy\"\/><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"display:flex;align-items:center;gap:40px;margin:40px 0 56px;background:linear-gradient(145deg,#f8fafc,#f0f9ff);border-radius:20px;padding:40px;border:1px solid #e2e8f0;flex-wrap:wrap;\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/rc-professionnelle-conseil.jpg\" alt=\"Professional office \u2014 Assur360 RC\" style=\"width:45%;max-width:420px;border-radius:16px;flex-shrink:0;height:auto;\" loading=\"lazy\"\/>\n  <div style=\"flex:1;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">IN BRIEF<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;font-family:'Sora',sans-serif;\"><span class=\"ez-toc-section\" id=\"Professional-Liability-E-O-Insurance\"><\/span>Professional Liability (E&#038;O) Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\"><strong>Professional liability<\/strong> insurance (errors and omissions) covers professionals against <strong>claims for errors, omissions, negligence or erroneous advice<\/strong> in the exercise of their profession. Essential for any consultant, liberal professional or service provider. <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Difference vs. General Liability:<\/strong> General Liability covers bodily injury and physical property damage. Professional liability insurance covers the <strong>financial damage<\/strong> caused by your intellectual work. Many companies need both.  <\/p>\n  <\/div>\n<\/div>\n\n<style>#ez-toc-container{display:none!important}<\/style>\n<script type=\"application\/ld+json\">\n{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Article\",\"@id\":\"https:\/\/www.assur360.ca\/entreprise\/assurance-responsabilite-professionnelle\/#article\",\"headline\":\"Professional Liability Insurance in Quebec: E&O Guide for Businesses and Professionals (2026)\",\"url\":\"https:\/\/www.assur360.ca\/entreprise\/assurance-responsabilite-professionnelle\/\",\"datePublished\":\"2024-01-15T10:00:00\",\"dateModified\":\"2026-04-10T18:00:00\",\"author\":{\"@type\":\"Person\",\"name\":\"Jean Boissonneault\",\"url\":\"https:\/\/www.assur360.ca\/jean-boissonneault\/\",\"description\":\"Certified P&C insurance broker, president of Assur360.\"},\"publisher\":{\"@type\":\"Organization\",\"name\":\"Assur360\",\"url\":\"https:\/\/www.assur360.ca\",\"logo\":{\"@type\":\"ImageObject\",\"url\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/01\/assur360-logo.png\"}},\"inLanguage\":\"fr-CA\",\"description\":\"Comprehensive guide to professional liability insurance (E&O) in Quebec. Target professions, coverage, indicative prices, legal obligations, and FAQ.\"}\n<\/script>\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-0b6c4dba wp-block-group-is-layout-constrained\" style=\"padding-top:80px;padding-right:40px;padding-bottom:60px;padding-left:40px;background:linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%)\">\n\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#10c4c7;font-size:14px;font-weight:600;letter-spacing:3px;text-transform:uppercase\">Business Insurance<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color\" style=\"color:#ffffff;font-size:38px;font-weight:700;line-height:1.2;margin-top:16px;margin-bottom:20px\"><span class=\"ez-toc-section\" id=\"Professional-Liability-Insurance-in-Quebec-E-O\"><\/span>Professional Liability Insurance in Quebec <span style=\"color:#10c4c7\">(E&#038;O)<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#cbd5e1;font-size:18px;line-height:1.7\">Protect your practice from claims for <strong style=\"color:#ffffff\">professional errors, omissions and negligence<\/strong>. Our AMF-certified brokers compare offers from several Quebec insurers to get you the coverage that suits your profession \u2014 at the best price. <\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:32px\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-text-color has-background\" href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"border-radius:30px;color:#ffffff;background-color:#10c4c7;padding-top:16px;padding-right:40px;padding-bottom:16px;padding-left:40px;font-size:16px;font-weight:600\">Free quote in 3 minutes<\/a><\/div>\n<\/div>\n\n\n<\/div>\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-ae7efc1b wp-block-group-is-layout-constrained\" style=\"padding-top:60px;padding-right:40px;padding-bottom:48px;padding-left:40px\">\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-is-professional-liability-insurance\"><\/span>What is professional liability insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Professional liability insurance \u2014 also known as <strong>errors and omissions (E&#038;O) insurance<\/strong> \u2014 protects professionals and businesses against claims arising from <strong>erroneous advice, omissions, negligence or errors in the performance of their duties<\/strong>. In Quebec, this coverage is governed by the <em>Civil Code of Qu\u00e9bec<\/em> (art. 2098-2129) and by the professional orders, which, in many cases, make it <strong>mandatory<\/strong>. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Unlike <a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\">general liability (CGL)<\/a> which covers bodily injury and property damage, E&#038;O insurance specifically covers <strong>financial damage<\/strong> caused by malpractice. An architect who makes a calculation error, an accountant who omits a tax deduction, or an IT consultant whose software causes data loss \u2014 all of these scenarios fall under professional liability. <\/p>\n\n\n<\/div>\n\n<div class=\"wp-block-group has-background is-layout-constrained wp-container-core-group-is-layout-d5cdbfd3 wp-block-group-is-layout-constrained\" style=\"background-color:#f8fafc;padding-top:48px;padding-right:40px;padding-bottom:48px;padding-left:40px\">\n\n\n<h2 class=\"wp-block-heading has-text-align-center\" style=\"margin-bottom:32px\"><span class=\"ez-toc-section\" id=\"Targeted-occupations-in-Quebec\"><\/span>Targeted occupations in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#64748b;margin-bottom:32px\">Mandatory or strongly recommended according to your professional order.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-17c5c485 wp-block-columns-is-layout-flex\">\n&#8220;`\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"background-color:#ffffff;border-radius:12px;border-top:3px solid #10c4c7;padding-top:28px;padding-right:24px;padding-bottom:28px;padding-left:24px\">\n\n<h3 class=\"wp-block-heading\" style=\"font-size:18px;margin-bottom:12px\">Health and science<\/h3>\n\n\n<ul class=\"wp-block-list\" style=\"font-size:15px\">\n<li>Physicians and surgeons<\/li>\n\n\n<li>Dentists and hygienists<\/li>\n\n\n<li>Pharmacists<\/li>\n\n\n<li>Nurses<\/li>\n\n\n<li>Physiotherapists, occupational therapists<\/li>\n\n\n<li>Psychologists and social workers<\/li>\n<\/ul>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"background-color:#ffffff;border-radius:12px;border-top:3px solid #10c4c7;padding-top:28px;padding-right:24px;padding-bottom:28px;padding-left:24px\">\n\n<h3 class=\"wp-block-heading\" style=\"font-size:18px;margin-bottom:12px\">Law and finance<\/h3>\n\n\n<ul class=\"wp-block-list\" style=\"font-size:15px\">\n<li>Lawyers and notaries<\/li>\n\n\n<li>Accountants (CPA)<\/li>\n\n\n<li>Financial advisors<\/li>\n\n\n<li>Real Estate Brokers<\/li>\n\n\n<li>Insurance brokers<\/li>\n\n\n<li>Financial Planners<\/li>\n<\/ul>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"background-color:#ffffff;border-radius:12px;border-top:3px solid #10c4c7;padding-top:28px;padding-right:24px;padding-bottom:28px;padding-left:24px\">\n\n<h3 class=\"wp-block-heading\" style=\"font-size:18px;margin-bottom:12px\">Technical and consulting<\/h3>\n\n\n<ul class=\"wp-block-list\" style=\"font-size:15px\">\n<li>Engineers and architects<\/li>\n\n\n<li>IT Consultants  Developers<\/li>\n\n\n<li>Management Consultants<\/li>\n\n\n<li>Land Surveyors<\/li>\n\n\n<li>Chartered Appraisers<\/li>\n\n\n<li>Travel Agents<\/li>\n<\/ul>\n\n<\/div>\n\n<\/div>\n\n\n<\/div>\n\n\n<\/div>\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-1cc5c6b0 wp-block-group-is-layout-constrained\" style=\"padding-top:48px;padding-right:40px;padding-bottom:48px;padding-left:40px\">\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-EO-Insurance-Covers\"><\/span>What EO Insurance Covers<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A professional liability policy in Quebec generally protects against:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Blanket<\/th><th>What is protected<\/th><th>Concrete example<\/th><\/tr><\/thead><tbody><tr><td><strong>Professional errors<\/strong><\/td><td>Mistakes, errors of judgment, incorrect advice<\/td><td>CPA omits $45,000 tax credit for client<\/td><\/tr><tr><td><strong>Omissions<\/strong><\/td><td>Failure to inform, disclose or act<\/td><td>A real estate broker does not mention a known hidden defect<\/td><\/tr><tr><td><strong>Negligence<\/strong><\/td><td>Lack of diligence in professional practice<\/td><td>An engineer does not check the bearing capacity of a structure<\/td><\/tr><tr><td><strong>Defence costs<\/strong><\/td><td>Lawyers&#8217; fees, court costs, expert opinion<\/td><td>Even if the lawsuit is unfounded, the costs are covered<\/td><\/tr><tr><td><strong>Damages awarded<\/strong><\/td><td>Compensation, compensatory damages and interest<\/td><td>Court awards $200,000 to aggrieved client<\/td><\/tr><tr><td><strong>Reputational damage<\/strong><\/td><td>Defamation or misrepresentation related to the practice<\/td><td>Crisis management and public relations costs<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"background-color:#fef3c7;border-radius:8px;border-left:4px solid #f59e0b;margin-top:32px;padding-top:20px;padding-right:24px;padding-bottom:20px;padding-left:24px\">\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:15px\"><strong>Important:<\/strong> EO insurance does not cover <em>intentional acts<\/em>, fraud, criminal activity, or bodily injury (which falls under the CGM). In Quebec, professional orders often impose <strong>minimum amounts of coverage<\/strong> \u2014 check your order&#8217;s requirements. <\/p>\n\n\n<\/div>\n\n\n<\/div>\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-1cc5c6b0 wp-block-group-is-layout-constrained\" style=\"padding-top:48px;padding-right:40px;padding-bottom:48px;padding-left:40px;background:linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%)\">&#8220;`html\n\n<h2 class=\"wp-block-heading has-text-color\" style=\"color:#ffffff;margin-bottom:24px\"><span class=\"ez-toc-section\" id=\"Indicative-prices-in-Quebec-2026\"><\/span>Indicative prices in Quebec (2026)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#cbd5e1;margin-bottom:24px\">Premiums vary by profession, revenue, claims history and limits selected. Here are <strong style=\"color:#ffffff\">indicative ranges for common occupations<\/strong> in Quebec. <\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout has-text-color\" style=\"color:#cbd5e1\"><thead><tr><th style=\"color:#10c4c7\">Profession<\/th><th style=\"color:#10c4c7\">Annual premium<\/th><th style=\"color:#10c4c7\">Typical Limit<\/th><\/tr><\/thead><tbody><tr><td>Consultant \/ Coach<\/td><td>$500 \u2013 $1,500<\/td><td>$1M<\/td><\/tr><tr><td>Accountant (CPA)<\/td><td>$1,000 \u2013 $3,000<\/td><td>1 \u2013 $2 million<\/td><\/tr><tr><td>IT Consultant \/ Developer<\/td><td>$1,200 \u2013 $4,000<\/td><td>$1 \u2013 $5M<\/td><\/tr><tr><td>Real Estate Broker<\/td><td>$1,500 \u2013 $3,500<\/td><td>1 \u2013 $2 million<\/td><\/tr><tr><td>Engineer \/ Architect<\/td><td>$2,000 \u2013 $8,000<\/td><td>2 \u2013 $5M<\/td><\/tr><tr><td>Lawyer \/ Notary<\/td><td>$3,000 \u2013 $12,000<\/td><td>1 \u2013 $10M<\/td><\/tr><tr><td>Medical Specialist<\/td><td>$5,000 \u2013 $25,000+<\/td><td>$5 \u2013 $10M<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#94a3b8;font-size:14px\">* Indicative premiums for an individual professional in Quebec. The actual cost depends on your profile. <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"color:#10c4c7\">Get your personalized quote<\/a>. <\/p>\n\n\n<\/div>\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-1cc5c6b0 wp-block-group-is-layout-constrained\" style=\"padding-top:48px;padding-right:40px;padding-bottom:48px;padding-left:40px\">\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-choose-the-right-coverage\"><\/span>How to choose the right coverage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Choosing the right professional liability insurance depends on several factors specific to your practice in Quebec:<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-17c5c485 wp-block-columns-is-layout-flex\">\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"border-left:3px solid #10c4c7;padding-top:8px;padding-bottom:8px;padding-left:20px\">\n\n<h4 class=\"wp-block-heading\" style=\"font-size:17px\">Coverage limit<\/h4>\n\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#64748b;font-size:15px\">Assess the size of your mandates and the requirements of your professional order. A minimum of <strong>$1 million<\/strong> is recommended for most occupations. <\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"border-left:3px solid #10c4c7;padding-top:8px;padding-bottom:8px;padding-left:20px\">\n\n<h4 class=\"wp-block-heading\" style=\"font-size:17px\">Frankness<\/h4>\n\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#64748b;font-size:15px\">The deductible has a direct influence on your premium. A deductible of <strong>$2,500 to $5,000<\/strong> offers a good balance of cost and protection for most professionals. <\/p>\n\n<\/div>\n\n<\/div>\n\n\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9ad65a9d wp-block-columns-is-layout-flex\" style=\"margin-top:24px\">\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"border-left:3px solid #10c4c7;padding-top:8px;padding-bottom:8px;padding-left:20px\">\n\n<h4 class=\"wp-block-heading\" style=\"font-size:17px\">Retroactive coverage<\/h4>\n\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#64748b;font-size:15px\">EO insurance usually works on a <strong>claims-made<\/strong> basis. Make sure you have a retroactive date covering all your past mandates. <\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"border-left:3px solid #10c4c7;padding-top:8px;padding-bottom:8px;padding-left:20px\">\n\n<h4 class=\"wp-block-heading\" style=\"font-size:17px\">Recommended extensions<\/h4>\n\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#64748b;font-size:15px\">Depending on your business, add <a href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/cyber-risk-insurance\/\">cyber risk insurance<\/a>, contractor coverage, or protection for your U.S. operations.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n<\/div>\n\n\n<\/div>\n\n<div class=\"wp-block-group has-background is-layout-constrained wp-container-core-group-is-layout-1cc5c6b0 wp-block-group-is-layout-constrained\" style=\"background-color:#f8fafc;padding-top:48px;padding-right:40px;padding-bottom:48px;padding-left:40px\">\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-use-a-broker-in-Quebec\"><\/span>Why use a broker in Quebec?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Professional liability insurance is a complex product where exclusions vary considerably from one insurer to another. An AMF-certified broker like Assur360 offers you several advantages: <\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Objective comparison<\/strong> \u2014 We shop with more than 9 Quebec insurers to find the right coverage for your specific profession.<\/li>\n\n&#8220;`\n<li><strong>Sector expertise<\/strong> \u2014 Our brokers are familiar with the requirements of Quebec&#8217;s professional orders and ensure that your policy meets the minimum requirements.<\/li>\n\n\n<li><strong>Negotiation of exclusions<\/strong> \u2014 We check each exclusion clause and negotiate the terms to avoid unpleasant surprises in the event of a claim.<\/li>\n\n\n<li><strong>Claims support<\/strong> \u2014 In the event of a claim, your broker will accompany you throughout the process with the insurer.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Our partner firms are present in <strong>Montreal, Quebec City, Gatineau, Sherbrooke, Laval, Joliette, Thetford Mines<\/strong> and in 20 other cities in Quebec. The service is also available entirely online, by phone or text. <\/p>\n\n\n<\/div>\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-950e6c2d wp-block-group-is-layout-constrained\" style=\"border-radius:16px;margin-top:48px;margin-bottom:48px;padding-top:48px;padding-right:40px;padding-bottom:48px;padding-left:40px;background:linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%)\">\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-text-color\" style=\"color:#ffffff;margin-bottom:12px\"><span class=\"ez-toc-section\" id=\"Protect-your-professional-practice\"><\/span>Protect your professional practice<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#94a3b8\">Free quote, no obligation. A specialized broker will answer you in 15 minutes. <\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-c2e726be wp-block-buttons-is-layout-flex\" style=\"margin-top:24px\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-text-color has-background\" href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"border-radius:30px;color:#ffffff;background-color:#10c4c7;padding-top:16px;padding-right:48px;padding-bottom:16px;padding-left:48px;font-size:17px;font-weight:600\">Get my EO quote<\/a><\/div>\n<\/div>\n\n\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<details id=\"assurance-rc-pro-obligatoire-quebec\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Is professional liability insurance mandatory in Quebec?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">It depends on your profession. Members of a <strong>professional order<\/strong> (lawyers, notaries, engineers, architects, CPAs, doctors, etc.) are generally <strong>required by their order<\/strong> to maintain EO coverage. For unregulated professions (consultants, coaches, developers), it&#8217;s not mandatory but <strong>highly recommended<\/strong> \u2014 a single mandate that goes wrong can jeopardize your business.  <\/p>\n<\/details>\n\n<details id=\"difference-rcg-eo\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>What is the difference between CGR and EO insurance?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\"><strong>General civil liability (CGL)<\/strong> covers bodily injury and property damage caused to third parties (e.g. a customer slips in your office). <strong>EO insurance<\/strong> covers <strong>financial losses<\/strong> arising from your professional services (error, omission, bad advice). Most service companies need both.  <\/p>\n<\/details>\n\n<details id=\"combien-coute-assurance-rc-pro\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>How much does professional liability insurance cost in Quebec?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">Premiums range from <strong>$500 to $25,000+ per year<\/strong> depending on the profession, sales, claims history and limits chosen. An independent consultant typically pays between $500 and $1,500\/year, while a law firm or medical specialist pays significantly more. <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\">Get your personalized quote<\/a> to find out your exact rate. <\/p>\n<\/details>\n\n<details id=\"claims-made-occurrence\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>What does &#8220;claims-made&#8221; mean?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">Almost all EO policies in Quebec operate on a <strong>claims-made<\/strong> basis: the policy in force <em>at the time the claim is filed<\/em> applies, even if the error was made years earlier (provided that the retroactive date covers that period). That&#8217;s why you should <strong>never leave a coverage hole<\/strong> between two policies. <\/p>\n<\/details>\n\n<details id=\"sous-traitant-eo\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Are my subcontractors covered by my EO policy?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">As a general rule, <strong>no<\/strong>. Your subcontractors must have their own professional liability insurance. However, some policies offer an extension for subcontractors. Check the terms of your contract and ask for proof of insurance from your subcontractors before giving them a mandate.   <\/p>\n<\/details>\n\n<details id=\"montant-couverture-recommande\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>How much coverage should I choose?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">A minimum of <strong>$1,000,000<\/strong> is recommended for most professionals in Quebec. For high-risk professions (engineers, architects, doctors) or large mandates, opt for <strong>$2 million to $5 million<\/strong>. Your broker can help you assess the right amount based on the size of your mandates and your clients&#8217; contractual requirements.  <\/p>\n<\/details>\n\n<details id=\"delai-soumission\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>How long does it take to get a quote?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">With Assur360, fill out the <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\">online form<\/a> in <strong>3 minutes<\/strong>. A broker who specializes in commercial insurance will contact you within <strong>15 minutes<\/strong> and can often present you with an offer on the first call. <\/p>\n<\/details>\n\n<details id=\"renouvellement-changement\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Can I change insurers at renewal?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">Yes, but you have to be careful with the <strong>retroactive date<\/strong>. If you change insurers, make sure that the new insurer uses your existing retroactive date so as not to create a coverage gap on your past mandates. An Assur360 independent comparison platform manages this transition for you.  <\/p>\n<\/details>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[\n{\"@type\":\"Question\",\"name\":\"Is professional liability insurance mandatory in Quebec?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It depends on your profession. Members of a professional order (lawyers, notaries, engineers, architects, CPAs, doctors, etc.) are generally required by their order to maintain E&O coverage. For unregulated professions, it is not mandatory but strongly recommended.\"}},\n{\"@type\":\"Question\",\"name\":\"What is the difference between general liability (GL) and E&O insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"General liability (GL) covers bodily injury and property damage. E&O insurance covers financial harm arising from your professional services (error, omission, bad advice). Most service businesses need both.\"}},\n{\"@type\":\"Question\",\"name\":\"How much does professional liability insurance cost in Quebec?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Premiums range from $500 to $25,000+ per year depending on the profession, revenue, claims history, and chosen limits.\"}},\n{\"@type\":\"Question\",\"name\":\"What does claims-made mean?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The policy in effect at the time the claim is filed applies, even if the error occurred years earlier, provided the retroactive date covers that period.\"}},\n{\"@type\":\"Question\",\"name\":\"Are my subcontractors covered by my E&O policy?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Generally, no. Your subcontractors must hold their own professional liability insurance. Some policies offer an extension.\"}},\n{\"@type\":\"Question\",\"name\":\"What amount of coverage should I choose?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A minimum of $1,000,000 is recommended for most professionals in Quebec. For high-risk professions, opt for $2M to $5M.\"}},\n{\"@type\":\"Question\",\"name\":\"How long does it take to get a quote?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Fill out the online form in 3 minutes. A specialized insurance broker will contact you within 15 minutes and can often present an offer during the first call.\"}},\n{\"@type\":\"Question\",\"name\":\"Can I change insurers at renewal?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, but make sure the new insurer takes over your existing retroactive date to avoid creating a coverage gap on your past mandates.\"}}\n]}\n<\/script><\/p>\n\n<div class=\"wp-block-group has-background is-layout-constrained wp-container-core-group-is-layout-018b6937 wp-block-group-is-layout-constrained\" style=\"background-color:#f0fafa;margin-top:48px;padding-top:32px;padding-right:28px;padding-bottom:32px;padding-left:28px;border-radius:12px;border-left:4px solid #10c4c7\">\n\n\n<h3 class=\"wp-block-heading\" style=\"margin-bottom:12px\">Firm certified and regulated by the AMF<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:15px\">Assur360 operates under <strong>the Act respecting the distribution of financial products and services (Distribution Act)<\/strong> and is registered with the <a href=\"https:\/\/lautorite.qc.ca\/grand-public\/registres-et-consultations\/registre-des-representants\" rel=\"noopener\">Autorit\u00e9 des march\u00e9s financiers (AMF).<\/a> Our brokers are members of <a href=\"https:\/\/www.chad.ca\/fr\/representants\/obligations-deontologiques\" rel=\"noopener\">Chamber of Insurance<\/a> and adhere to the highest standards of ethics. <\/p>\n\n\n<\/div>\n\n<h3 class=\"wp-block-heading\" style=\"margin-top:40px;margin-bottom:12px\">Other insurance for businesses and professionals<\/h3>\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\">Business Insurance \u2014 Free Quote<\/a><\/li>\n\n\n<li><a href=\"https:\/\/www.assur360.ca\/en\/office-insurance-2\/\">Professional Office Insurance<\/a><\/li>\n\n\n<li><a href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/cyber-risk-insurance\/\">Cyber risk insurance for companies<\/a><\/li>\n\n\n<li><a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/cybersecurity-insurance-compare-offers\/\">Insurance for cybersecurity firms<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>&#8220;`html IN BRIEF Professional Liability (E&#038;O) Insurance Professional liability insurance (errors and omissions) covers professionals against claims for errors, omissions, negligence or [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":26931,"parent":15682,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Professional liability insurance Quebec 2026 \u2014 E&O starting at $500\/year","_seopress_titles_desc":"Professional liability insurance (E&O) in Quebec: protect yourself against errors and omissions. 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