{"id":15682,"date":"2025-03-29T11:44:00","date_gmt":"2025-03-29T15:44:00","guid":{"rendered":"https:\/\/www.assur360.ca\/enterprise\/"},"modified":"2026-04-19T17:45:46","modified_gmt":"2026-04-19T21:45:46","slug":"enterprise","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/enterprise\/","title":{"rendered":"Business Insurance"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"InsuranceAgency\", \"name\": \"Assur360 \u2014 Assurance entreprise\", \"description\": \"Assurance pour votre entreprise au Qu\u00e9bec : RC, biens, cyber, responsabilit\u00e9 pro, flotte. Soumission gratuite en 2 minutes. 1-866-357-4451.\", \"url\": \"https:\/\/www.assur360.ca\/entreprise\/\", \"telephone\": \"1-866-357-4451\", \"areaServed\": {\"@type\": \"Place\", \"name\": \"Qu\u00e9bec, Canada\"}}\n<\/script>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:60px 24px;text-align:center;border-radius:0 0 16px 16px;margin-bottom:40px;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 16px;\">BUSINESS INSURANCE<\/p>\n  <h2 style=\"color:#ffffff;font-size:32px;font-weight:800;margin:0 0 20px;line-height:1.3;\"><span class=\"ez-toc-section\" id=\"Business-insurance-in-Quebec-%E2%80%94-all-sectors\"><\/span>Business insurance in Quebec \u2014 all sectors<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 auto 32px;max-width:700px;line-height:1.6;\">SMEs, VSEs, startups, entrepreneurs: assemble your complete coverage in <strong>liability, property, cyber, professional liability, fleet and executive protection<\/strong>. 2-minute quote, AMF brokers. <\/p>\n  <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;\">Get my free<\/a>\n quote<a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;border:2px solid #ffffff;\">1-866-357-4451<\/a>    \n  <\/div>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:16px;max-width:1200px;margin:0 auto 40px;padding:0 24px;\">\n  <div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">17<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Company Products<\/div>\n  <\/div>\n<div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">500+<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Insured companies<\/div>\n  <\/div>\n<div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">AMF<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Certified brokers<\/div>\n  <\/div>\n<div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">2 min<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Online Quote<\/div>\n  <\/div>\n<\/div>\n\n<p>Regardless of your sector, any Quebec company needs a <strong>coherent set of protections<\/strong> that covers physical risks (buildings, equipment, vehicles), risks to third parties (civil liability, products), professional risks (errors, omissions, advice), cyber risks (Bill 25, ransomware, fraud) and executive protection (D&amp;O). An integrated commercial policy combines these coverages under a single policy with a more competitive overall premium than separate policies. Assur360 supports companies with 1 to 500 employees in all sectors: construction, services, commerce, manufacturing, transportation, IT, professional, catering, real estate.  <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-6-main-categories-of-business-insurance\"><\/span>The 6 main categories of business insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px;max-width:1200px;margin:24px auto;\">\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Commercial Liability and Products<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Damage to third parties (injuries, equipment), customer lawsuits, product defects. The basis of any policy. <\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Property and equipment<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Buildings, contents, stocks, equipment, fleet of vehicles. Fire, theft, vandalism, water damage. <\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Cyber and Bill 25<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Ransomware, customer data leaks, wire fraud, Bill 25 fines. Essential from 2026. <\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Professional Liability (E&#038;O)<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Errors, omissions, wrong advice \u2014 for all trades that sell expertise or a service.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Directors&#8217; Protection (D&#038;O)<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Personal lawsuits against directors and officers \u2014 required by most investors.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Business interruption<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Maintenance of income during the closure following a major disaster (3 to 24 months depending on the policy).<\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);border:2px solid #10c4c7;border-radius:12px;padding:32px;margin:40px auto;max-width:1200px;color:#ffffff;\">\n  <h3 style=\"color:#10c4c7;font-size:1.3rem;margin:0 0 16px;\">\ud83d\udca1 Broker&#8217;s advice<\/h3>\n  <p style=\"color:#e2e8f0;font-size:1rem;line-height:1.7;margin:0;\">The biggest <strong>mistake made by SME managers<\/strong> : buying a generic commercial policy without adapting the limits to the real risk. A $1 million RCA may be enough for a local restaurant, not for a B2B consultant whose clients can claim $5 million+. A good broker starts by mapping your exposure: biggest client, type of contracts, level of compliance. Then adjusts the limits \u2014 often without increasing the total premium.   <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\" id=\"faq\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"max-width:1200px;margin:0 auto 40px;\">\n  <details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">How much does business insurance cost in Quebec?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Varies greatly depending on sector and size. Indicative ranges for 2026: <strong>Small business (1-5 employees):<\/strong> $800 to $3,500\/year. <strong>SME (6-50 employees):<\/strong> $2,500 to $15,000\/year. <strong>Medium-sized business<\/strong> : $10,000 to $100,000+\/year. Factors: turnover, sector, claims history, limits chosen, location.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">What coverage is mandatory in Quebec?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">None of them is strictly mandatory by the general law, but several sectors impose specific requirements: <strong>construction (RBQ),<\/strong> <strong>restaurants<\/strong>, <strong>health<\/strong>, <strong>professional services<\/strong> (professional orders), <strong>private security (BSP).<\/strong> In addition, almost all commercial leases, B2B contracts and contractors require a minimum RCA of $2 million. <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Should I combine multiple fonts or take a built-in font?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">An <strong>integrated commercial policy<\/strong> (called a &#8220;Package&#8221; or &#8220;BOP&#8221; \u2014 Business Owner&#8217;s Policy) is generally 15 to 30% cheaper than separate policies for equivalent coverage. Recommended for any stable SME. Very large or atypical risk companies may prefer separate specialized policies.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Does Bill 25 make cyber mandatory?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Not strictly mandatory, but highly recommended. <strong>Bill 25<\/strong> imposes notification obligations and allows for fines of up to $25 million or 4% of global turnover. More and more B2B contracts and OEMs require proof of cyber insurance. To be systematically integrated into your commercial policy.   <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Are my remote employees covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, via standard endorsements. <strong>Telework<\/strong> is covered for professional liability and equipment provided to employees. Declare the proportion of teleworking at the time of subscription (generally marginal impact on the premium). The CNESST covers accidents related to work at home.   <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">When should I revise my business policy?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">At least <strong>once a year<\/strong> at renewal, and for any <strong>significant change<\/strong> : new product or service, new establishment, hiring of 5+ employees, acquisition, expansion outside Quebec, new high-volume contract, change in sales of 20%+. Poor follow-up is a common cause of claim denials. <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">My customer contracts require to be named &#8220;additional insured&#8221; \u2014 how do I do that?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Your broker can add <strong>additional co-insureds<\/strong> to your policy, upon request in the policy. Issuance of the nominative certificate within 48 hours. For large companies, the CLT (Certificate of Liability) is issued electronically. Keep a record of your co-insureds for renewal.   <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Can I insure my activities online, telehealth, teleconsultation?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes \u2014 <strong>remote and virtual services<\/strong> are covered by most modern E&#038;O, as long as they are explicitly declared. Healthcare professionals (telemedicine), consultants, online trainers must confirm that their policy explicitly covers the &#8220;delivery of services via electronic means&#8221;. <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">How do I choose the right limits for my business?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Analyze: (1) your <strong>largest B2B contract<\/strong> (actual exposure); (2) the typical <strong>contractual requirements<\/strong> in your industry; (3) your <strong>exposure to end-customer (<\/strong> B2C) lawsuits. For a standard B2B SME: $2 million RC, $2 million E&#038;O, $1 million cyber, $1 million D&#038;O is a starting point. Adapt with a broker.  <\/div>\n  <\/details>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Business-insurance-throughout-Quebec\"><\/span>Business insurance throughout Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"background:#f8fafc;border-radius:12px;padding:28px;margin:24px auto 40px;max-width:1200px;\">\n  <p style=\"color:#334155;font-size:1rem;line-height:1.7;margin:0 0 12px;\">Assur360 supports businesses throughout Quebec: <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Longueuil<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong> and <strong>Saguenay<\/strong>. Submission and support in all administrative regions of Quebec: Montreal, Laval, Laurentians, Lanaudi\u00e8re, Mont\u00e9r\u00e9gie, Estrie, Outaouais, Mauricie, Quebec City, Chaudi\u00e8re-Appalaches, Bas-Saint-Laurent, Saguenay-Lac-Saint-Jean, Abitibi-T\u00e9miscamingue, C\u00f4te-Nord. Our brokers are familiar with regional realities and industry requirements.  <\/p>\n  <p style=\"color:#334155;font-size:1rem;line-height:1.7;margin:0;\">100% online quote, free of charge, with comparison of several Canadian insurers.<\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Additional-Coverage-to-Consider\"><\/span>Additional Coverage to Consider<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:16px;max-width:1200px;margin:24px auto;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/cyber-insurance-for-businesses-in-quebec-protect-your-data-2026\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Cyber Business Insurance<\/div>\n  <\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/information-technology-insurance-2\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">IT &#038; Technology Insurance<\/div>\n  <\/a>\n<a href=\"\/assurance-construction\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Construction insurance<\/div>\n  <\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/retail-insurance-online-quote\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Retail Insurance<\/div>\n  <\/a>\n<a href=\"\/assurance-responsabilite-professionnelle\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Professional Liability Insurance<\/div>\n  <\/a>\n<a href=\"\/assurance-entreprise-manufacturiere\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Manufacturing Business Insurance<\/div>\n  <\/a>\n<\/div>\n\n<h3 class=\"wp-block-heading\">Official references<\/h3>\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.ibc.ca\/qc\/\" rel=\"nofollow noopener\" target=\"_blank\">Insurance Bureau of Canada<\/a><\/li>\n<li><a href=\"https:\/\/www.revenuquebec.ca\/fr\/entreprises\/\" rel=\"nofollow noopener\" target=\"_blank\">Revenu Qu\u00e9bec \u2014 Businesses<\/a><\/li>\n<li><a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assurances\/\" rel=\"nofollow noopener\" target=\"_blank\">Autorit\u00e9 des march\u00e9s financiers<\/a><\/li><\/ul>\n\n<div style=\"background:#f0fdfa;border:2px solid #10c4c7;border-radius:12px;padding:30px;margin:40px auto;max-width:1200px;\">\n  <h3 style=\"color:#0d1f2d;font-size:1.15rem;margin:0 0 16px;\">\ud83d\udee1 Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:16px;\">\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">AMF<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Certified brokers<\/div>\n    <\/div>\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">ChAD<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Insurance Chamber<\/div>\n    <\/div>\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">100K+<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Submissions processed<\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:48px 24px;text-align:center;max-width:1200px;margin:0 auto 40px;border-radius:16px;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 12px;\">COMPARE AND SAVE<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;font-weight:800;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Get-your-free-quote\"><\/span>Get your free quote<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 0 28px;\">Our AMF-certified brokers compare several insurers to find you the best coverage.<\/p>\n  <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;\">Get my free<\/a>\n quote<a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;border:2px solid #ffffff;\">1-866-357-4451<\/a>    \n  <\/div>\n<\/div>\n\n<script type=\"application\/ld+json\">\n{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Combien co\u00fbte une assurance entreprise au Qu\u00e9bec ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Tr\u00e8s variable selon secteur et taille. Fourchettes indicatives pour 2026 : <strong>TPE (1-5 employ\u00e9s) : 800 $ \u00e0 3 500 $\/an. <\/strong><strong>PME (6-50 employ\u00e9s) : 2 500 $ \u00e0 15 000 $\/an. <\/strong><strong>Moyenne entreprise : 10 000 $ \u00e0 100 000 $+\/an. Les facteurs : chiffre d'affaires, secteur, historique de sinistres, limites choisies, localisation.\"}}, {\"@type\": \"Question\", \"name\": \"Quelle couverture est obligatoire au Qu\u00e9bec ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Aucune n'est strictement obligatoire par la loi g\u00e9n\u00e9rale, mais plusieurs secteurs imposent des exigences sp\u00e9cifiques : <\/strong><strong>construction (RBQ), <\/strong><strong>restauration, <\/strong><strong>sant\u00e9, <\/strong><strong>services professionnels (ordres professionnels), <\/strong><strong>s\u00e9curit\u00e9 priv\u00e9e (BSP). De plus, presque tous les baux commerciaux, contrats B2B et donneurs d'ordres exigent une RC minimale de 2 M$.\"}}, {\"@type\": \"Question\", \"name\": \"Dois-je combiner plusieurs polices ou prendre une police int\u00e9gr\u00e9e ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Une <\/strong><strong>police commerciale int\u00e9gr\u00e9e (appel\u00e9e \u00ab Package \u00bb ou \u00ab BOP \u00bb \u2014 Business Owner's Policy) est g\u00e9n\u00e9ralement 15 \u00e0 30 % moins ch\u00e8re que des polices s\u00e9par\u00e9es pour \u00e9quivalent de couverture. Recommand\u00e9e pour toute PME stable. Les tr\u00e8s grandes entreprises ou \u00e0 risques atypiques peuvent pr\u00e9f\u00e9rer des polices sp\u00e9cialis\u00e9es distinctes.\"}}, {\"@type\": \"Question\", \"name\": \"La Loi 25 rend-elle la cyber obligatoire ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Pas strictement obligatoire, mais fortement recommand\u00e9e. La <\/strong><strong>Loi 25 impose des obligations de notification et permet des amendes jusqu'\u00e0 25 M$ ou 4 % du CA mondial. De plus en plus de contrats B2B et de donneurs d'ordres exigent une preuve de cyberassurance. \u00c0 int\u00e9grer syst\u00e9matiquement dans votre police commerciale.\"}}, {\"@type\": \"Question\", \"name\": \"Mes employ\u00e9s en t\u00e9l\u00e9travail sont-ils couverts ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, via les avenants standard. Le <\/strong><strong>t\u00e9l\u00e9travail est couvert pour la responsabilit\u00e9 professionnelle et l'\u00e9quipement fourni aux employ\u00e9s. D\u00e9clarez la proportion de t\u00e9l\u00e9travail \u00e0 la souscription (impact g\u00e9n\u00e9ralement marginal sur la prime). La CNESST couvre les accidents du travail \u00e0 domicile.\"}}, {\"@type\": \"Question\", \"name\": \"Quand r\u00e9viser ma police entreprise ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Au minimum <\/strong><strong>une fois par an au renouvellement, et lors de tout <\/strong><strong>changement significatif : nouveau produit ou service, nouvel \u00e9tablissement, embauche de 5+ employ\u00e9s, acquisition, expansion hors Qu\u00e9bec, nouveau contrat \u00e0 gros volume, changement de chiffre d'affaires de 20 %+. Un mauvais suivi est une cause fr\u00e9quente de refus de r\u00e9clamation.\"}}, {\"@type\": \"Question\", \"name\": \"Mes contrats clients exigent d'\u00eatre nomm\u00e9s \u00ab additional insured \u00bb \u2014 comment faire ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Votre courtier peut ajouter des <\/strong><strong>co-assur\u00e9s additionnels \u00e0 votre police, sur demande du contrat. \u00c9mission de l'attestation nominative en 48 h. Pour les grandes entreprises, le CLT (Certificate of Liability) est \u00e9mis par voie \u00e9lectronique. Conservez un registre de vos co-assur\u00e9s pour le renouvellement.\"}}, {\"@type\": \"Question\", \"name\": \"Puis-je assurer mes activit\u00e9s en ligne, t\u00e9l\u00e9-sant\u00e9, t\u00e9l\u00e9consultation ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui \u2014 les <\/strong><strong>services \u00e0 distance et virtuels sont couverts par la plupart des E&O modernes, \u00e0 condition d'\u00eatre explicitement d\u00e9clar\u00e9s. Les professionnels de la sant\u00e9 (t\u00e9l\u00e9m\u00e9decine), les consultants, les formateurs en ligne doivent confirmer que leur police couvre explicitement la \u00ab delivery of services via electronic means \u00bb.\"}}, {\"@type\": \"Question\", \"name\": \"Comment choisir les bonnes limites pour mon entreprise ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Analysez : (1) votre <\/strong><strong>plus gros contrat B2B (exposition r\u00e9elle) ; (2) les <\/strong><strong>exigences contractuelles typiques dans votre secteur ; (3) votre <\/strong><strong>exposition aux poursuites de clients finaux (B2C). Pour une PME B2B standard : RC 2 M$, E&O 2 M$, cyber 1 M$, D&O 1 M$ est un point de d\u00e9part. Adaptez avec un courtier.\"}}]}\n<!-- wpml:html_fragment <\/strong><\/script>  -->\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"BreadcrumbList\", \"itemListElement\": [{\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Accueil\", \"item\": \"https:\/\/assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Assurance entreprise\", \"item\": \"https:\/\/assur360.ca\/assurance-entreprise\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Assurance entreprise\", \"item\": \"https:\/\/www.assur360.ca\/entreprise\/\"}]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>BUSINESS INSURANCE Business insurance in Quebec \u2014 all sectors SMEs, VSEs, startups, entrepreneurs: assemble your complete coverage in liability, property, cyber, professional [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":26931,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"Quebec Business Insurance 2026 | 2 min quote | Assur360","_seopress_titles_desc":"Insurance for your business in Quebec: liability, property, cyber, professional liability, fleet. Free quote in 2 minutes.  1-866-357-4451.","_seopress_robots_index":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","yasr_pro_reviews_in_comment_enabled":0,"footnotes":""},"class_list":["post-15682","page","type-page","status-publish","has-post-thumbnail","hentry"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"_links":{"self":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15682","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/comments?post=15682"}],"version-history":[{"count":8,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15682\/revisions"}],"predecessor-version":[{"id":53635,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15682\/revisions\/53635"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media\/26931"}],"wp:attachment":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media?parent=15682"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}