{"id":15693,"date":"2023-01-11T11:31:58","date_gmt":"2023-01-11T16:31:58","guid":{"rendered":"https:\/\/www.assur360.ca\/commercial-insurance-broker-quick-comparator\/"},"modified":"2026-05-22T00:30:53","modified_gmt":"2026-05-22T04:30:53","slug":"commercial-insurance-broker-quick-comparator","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/commercial-insurance-broker-quick-comparator\/","title":{"rendered":"Commercial Insurance Broker: Quick Comparator"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\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;\">SOUMISSION RAPIDE<\/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=\"Courtier-en-assurance-commerciale-votre-allie-pour-proteger-votre-entreprise\"><\/span>Courtier en assurance commerciale : votre alli\u00e9 pour prot\u00e9ger votre entreprise<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;\">Peu importe la taille de votre entreprise, l\u2019assurance commerciale est un pilier essentiel de votre s\u00e9curit\u00e9 financi\u00e8re. Un <strong>courtier en assurance commerciale<\/strong> est votre partenaire strat\u00e9gique pour trouver les protections adapt\u00e9es \u00e0 vos activit\u00e9s, vos risques et votre budget.<\/p>\n  <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-entreprise-en-ligne\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;\">Obtenir ma soumission entreprise gratuite<\/a>\n    <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:flex;gap:32px;align-items:center;max-width:1200px;margin:32px auto;padding:32px;background:#ffffff;border:1px solid #e2e8f0;border-radius:16px;box-shadow:0 4px 24px rgba(13,31,45,0.08);flex-wrap:wrap;\">\n  <div style=\"flex:1 1 280px;min-width:260px;max-width:380px;\">\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\/2025\/04\/courtier-assurance-commerciale.png\" alt=\"Best Commercial Insurance Broker\" style=\"width:100%;height:auto;border-radius:12px;display:block;\" loading=\"lazy\"\/>\n  <\/div>\n  <div style=\"flex:2 1 360px;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">At a glance<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;\"><span class=\"ez-toc-section\" id=\"What-type-of-business-needs-business-insurance\"><\/span>What type of business needs business insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n      <p style=\"color:#334155;font-size:16px;line-height:1.7;margin:0 0 0;\">Almost every business needs business insurance to protect their assets and financial future. Some businesses, however, have greater insurance needs than others due to the nature of their business. Here are some examples of the types of businesses that often need business insurance:  <\/p>\n  <\/div>\n<\/div>\n\n<ul class=\"wp-block-list\">\n<li><strong>Construction companies <\/strong>: <a href=\"\/\">Construction companies<\/a> often need insurance to cover damage to ongoing projects, accidents on construction sites, and third-party claims.<\/li>\n\n\n\n<li><strong>Service businesses<\/strong> : Service businesses, such as law firms and accounting firms, need insurance to cover professional errors and damage to customers&#8217; property.<\/li>\n\n\n\n<li><strong>Transportation companies<\/strong> : Transportation companies, such as trucking companies, need insurance to cover damage to vehicles and cargo, as well as third-party claims.<\/li>\n\n\n\n<li><strong>Technology companies<\/strong> : Technology companies need insurance to cover risks related to patents, trademarks, and trade secrets, as well as to protect their assets from cyberattacks and data loss.<\/li>\n\n\n\n<li><strong>Retail businesses<\/strong>: Retail businesses <a href=\"\/\">need damage insurance<\/a> to cover damage to business premises and goods, as well as third-party claims related to accidents at the point of sale.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">It is important to note that this is a non-exhaustive list, almost any type of business could need business insurance depending on the nature of the business. It is recommended that you consult an insurance broker for a personalized evaluation and target your company&#8217;s insurance needs. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-find-the-best-commercial-insurance-broker\"><\/span>How to find the best commercial insurance broker?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">There are several ways to find the best commercial insurance broker to meet your needs. Here are some steps to follow: <\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Determine your insurance needs:<\/strong> To find the best broker, it&#8217;s important to understand the types of insurance you need to protect your business.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Research commercial insurance brokers:<\/strong> Use search engines, business directories, and social media to find local brokers who have experience in the business insurance business.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Ask for references:<\/strong> Contact companies similar to yours to find out which insurance companies they work with and ask them if they are satisfied with Assur360.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Trade with potential brokers:<\/strong> Request quotes from multiple brokers and compare coverages and prices to find the one that offers the best value.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Check the regulations:<\/strong> Make sure that the broker you choose is registered and regulated by the relevant authorities.<\/p>\n\n<p class=\"wp-block-paragraph\">In general, it&#8217;s important to remember that <a href=\"\/\">the best commercial insurance broker<\/a> isn&#8217;t necessarily the one who offers the lowest price, but the one who can understand your needs and offer you insurance solutions tailored to your risks.<\/p>\n\n<p class=\"wp-block-paragraph\">Here is a <strong>table of essential commercial insurance endorsements<\/strong> with a <strong>rate estimate<\/strong> (indicative, $CA\/year) for a <strong>typical SME<\/strong> (turnover $1\u20135 million, &lt;50 employees).<br \/><em>Actual prices vary by industry, territory, claims, limits\/deductibles and insurer.<\/em><\/p>\n\n<figure class=\"wp-block-table\"><table class=\"has-ast-global-color-4-background-color has-background has-fixed-layout\"><thead><tr><th>Endorsement (essential)<\/th><th>What it covers<\/th><th>When to add it (examples)<\/th><th>Key limitations\/exclusions<\/th><th><strong>Indicative price<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>Umbrella \/ Surplus RC<\/strong><\/td><td>Additional <strong>RC<\/strong> limits beyond the base policy<\/td><td>Contracts requiring $5\u201310 million, construction sites, USA export<\/td><td>Exclusions of the underlying apply<\/td><td><strong>$800\u2013$3,500\/M<\/strong> limit<\/td><\/tr><tr><td><strong>Replacement cost (property)<\/strong><\/td><td>Compensation <strong>without depreciation<\/strong><\/td><td>Recent or strategic buildings\/equipment<\/td><td>Insurance conditions at 100% of the VA<\/td><td><strong>+5\u201312%<\/strong> on the &#8220;property&#8221; premium<\/td><\/tr><tr><td><strong>Business interruption (BI)<\/strong><\/td><td>Revenue\/gross profit + fixed costs during the shutdown<\/td><td>Dependence on a single site, restaurant, manufacturer<\/td><td>Waiting period, duration of compensation (12\u201324 months)<\/td><td><strong>$500\u2013$3,000<\/strong> (based on CA\/limit)<\/td><\/tr><tr><td><strong>BI contingent (supplier\/customer dependency)<\/strong><\/td><td>Loss of revenue if <strong>supplier\/landlord<\/strong> is damaged<\/td><td>Critical Supply Chain, 3PL Ecommerce<\/td><td>List of dependencies, radius\/territory<\/td><td><strong>+20\u201340%<\/strong> of the BI premium<\/td><\/tr><tr><td><strong>Equipment Breakdown (B&amp;M)<\/strong><\/td><td>Mechanical\/Electrical Failures, Over\/Under Voltage<\/td><td>Refrigeration, compressors, boiler, data center<\/td><td>Maintenance required, normal wear and tear excluded<\/td><td><strong>$350\u2013$2,000<\/strong><\/td><\/tr><tr><td><strong>Flood<\/strong><\/td><td><strong>Surface water\/flood<\/strong> damage<\/td><td>Ground floor, flood zones<\/td><td><em>High deductibles<\/em>, limited limits<\/td><td><strong>$1,000\u201310,000<\/strong> (highly variable)<\/td><\/tr><tr><td><strong>Earthquake<\/strong><\/td><td>Shaking, related sagging<\/td><td>Western QC, unreinforced buildings<\/td><td>Deductible as <strong>%<\/strong> of insured value<\/td><td><strong>0.05\u20130.25%<\/strong> of the insured value<\/td><\/tr><tr><td><strong>Sewer Backup \/ Water<\/strong><\/td><td>Backup, infiltration, equipment breakage<\/td><td>Basements, restaurants, old buildings<\/td><td>Frequent sub-limits, prevention required<\/td><td><strong>$300\u2013$1,500<\/strong><\/td><\/tr><tr><td><strong>Cyber responsibility<\/strong><\/td><td>Data leakage, ransomware, IT downtime<\/td><td>Customer data, online payment, health\/finance<\/td><td>Exclusions from voluntary acts; MFA\/backup required<\/td><td><strong>$1,200\u20136,000<\/strong> (limit $1\u2013$2 million)<\/td><\/tr><tr><td><strong>Crime &amp; Fidelity<\/strong><\/td><td>Internal misappropriation, fraud, fake transfers<\/td><td>Accounting, treasury, multi-signatories<\/td><td>Sub-limits per event, required procedures<\/td><td><strong>$400\u2013$2,500<\/strong><\/td><\/tr><tr><td><strong>Pollution (accidental\/sudden)<\/strong><\/td><td>Accidental spill, defence and clean-up<\/td><td>Transport, workshops, construction sites, warehousing<\/td><td>Gradual pollution often excluded<\/td><td><strong>$1,000\u2013$5,000<\/strong><\/td><\/tr><tr><td><strong>D&amp;O (Directors &amp; Officers)<\/strong><\/td><td>Allegations of mismanagement<\/td><td>Incorporated businesses, turnover\/financing<\/td><td>Personal fraud exclusions; Financial Statements<\/td><td><strong>$1,200\u20137,000<\/strong> (limit $1\u20132 million)<\/td><\/tr><tr><td><strong>Professional E&amp;O \/ RC<\/strong><\/td><td>Service\/Consulting Errors<\/td><td>IT, consultants, design, pro-services<\/td><td>Obligation of result excluded according to wording<\/td><td><strong>$900\u2013$6,000<\/strong><\/td><\/tr><tr><td><strong>Goods in transit (cargo-transit)<\/strong><\/td><td>Goods transported (own fleet\/carrier)<\/td><td>E-commerce, distribution, import\/export<\/td><td>Unprotected robbery exclusions<\/td><td><strong>$350\u2013$2,500<\/strong><\/td><\/tr><tr><td><strong>Floating equipment \/ construction site<\/strong><\/td><td>Tools, <strong>off-premises<\/strong> machinery<\/td><td>Construction, road service<\/td><td>Theft without protection; Agreed value<\/td><td><strong>$500\u2013$3,000<\/strong><\/td><\/tr><tr><td><strong>Extended rental liability<\/strong><\/td><td>Damage to leased premises ($&gt;100,000)<\/td><td>Commercial leases, coworking<\/td><td>Specific lease limits (AI, subrogation)<\/td><td><strong>+$100\u2013500<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n<p class=\"wp-block-paragraph\"><strong>FAQ<\/strong><\/p>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/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;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=\"Protect-your-business-at-the-right-price\"><\/span>Protect your business at the right price<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 0 28px;\">The brokers of our AMF-certified partner firms compare several insurers to find you the best business 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 company 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","protected":false},"excerpt":{"rendered":"<p>SOUMISSION RAPIDE Courtier en assurance commerciale : votre alli\u00e9 pour prot\u00e9ger votre entreprise Peu importe la taille de votre entreprise, l\u2019assurance commerciale [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":23131,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Commercial Insurance Broker Quebec 2026 \u2014 3 min quote | Assur360","_seopress_titles_desc":"Commercial insurance broker in Quebec: Connection with AMF-certified partner firms. 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