{"id":15705,"date":"2022-11-15T10:10:44","date_gmt":"2022-11-15T15:10:44","guid":{"rendered":"https:\/\/www.assur360.ca\/business-interruption-insurance-3\/"},"modified":"2026-05-07T16:11:19","modified_gmt":"2026-05-07T20:11:19","slug":"business-interruption-insurance-3","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/business-interruption-insurance-3\/","title":{"rendered":"Business interruption insurance Quebec 2026"},"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\",\"url\":\"https:\/\/www.assur360.ca\/\",\"logo\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/11\/logo-assur360.png\",\"telephone\":\"+1-866-357-4451\",\"address\":{\"@type\":\"PostalAddress\",\"streetAddress\":\"1055 boul. Smith Sud\",\"addressLocality\":\"Thetford Mines\",\"addressRegion\":\"QC\",\"postalCode\":\"G6G 7N5\",\"addressCountry\":\"CA\"},\"areaServed\":\"CA-QC\",\"serviceType\":\"Assurance pertes d'exploitation\",\"licenseNumber\":\"AMF\"}\n<\/script>\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\/assurance-pertes-exploitation.jpg\" alt=\"Sales Office \u2014 Assur360 Business Interruption Insurance\" 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=\"Business-interruption-insurance\"><\/span>Business interruption 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>Business interruption insurance<\/strong> replaces your business income during the <strong>reconstruction period<\/strong> after a covered loss (fire, water damage, etc.). Covers fixed costs, salaries, temporary rental. <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Duration:<\/strong> typically <strong>12 months<\/strong>, but 18-24 months recommended for sectors with long reconstruction times (specialized restoration, manufacturer). Don&#8217;t underestimate this length of time \u2014 underinsurance here is deadly. <\/p>\n  <\/div>\n<\/div>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155;\">A fire, major water damage, critical equipment breakdown, or cyberattack can force your business to suspend operations for <strong>weeks or even months<\/strong>. The costs don&#8217;t stop: rent, salaries of key employees, bank repayments, suppliers. <strong>Business interruption insurance<\/strong> compensates for loss of income and ongoing costs during the period of resumption of operations. At <strong>Assur360<\/strong>, our <strong>AMF-certified brokers<\/strong> build BI protection adapted to your actual financial flows in <strong>Quebec<\/strong>.   <\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">BUSINESS INTERRUPTION 2026<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Protect-your-revenue-during-the-forced-shutdown\"><\/span>Protect your revenue during the forced shutdown<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Compensation for up to 24 months. Wages, rent, ongoing profits \u2014 everything is covered. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Get My Quote<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\">\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">6-24<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Month of compensation<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">40 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">SME never reopen after a disaster<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">9+<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Insurers Compared<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">100 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">AMF Brokers<\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-is-business-interruption-insurance\"><\/span>What is business interruption insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155;\"><strong>Business Interruption (BI)<\/strong> is an essential addition to your property insurance. While the property policy reimburses the reconstruction or physical repair, the BI compensates for the <strong>loss of income<\/strong> and <strong>fixed costs that continue<\/strong> while the business cannot operate normally. Without it, even if your building is rebuilt, your business can close permanently \u2014 40% of SMBs never reopen after a major disaster without BI protection.  <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-BI-Covers-During-Shutdown\"><\/span>What BI Covers During Shutdown<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcb0<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Loss of gross profits<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Compensation based on your historical financial statements \u2014 expected revenue minus unincurred variable costs. Calculation by chartered accountant. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udc65<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Salaries of key employees<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Maintaining essential personnel during the shutdown \u2014 managers, specialized technicians, sales team \u2014 to prevent them from leaving for a competitor.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfe0<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Rent and fixed costs<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Rent, municipal taxes, bank interest, basic electricity, insurance \u2014 all expenses that continue even during the temporary shutdown.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfe2<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Temporary installation fees<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Rental of temporary premises, replacement equipment, alternative solutions to continue to serve part of the clientele.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udd17<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Supplier dependency (BI quota)<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">If your <strong>primary supplier<\/strong> suffers a loss that deprives you of supply, your losses are compensated \u2014 even if your business is not directly affected.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\uded2<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Customer dependency (BI quota)<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">If a <strong>major customer<\/strong> accounts for more than 30% of your revenue and suffers a claim, BI compensates for the loss of revenue while they are out of service.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-the-Compensation-Period-Works\"><\/span>How the Compensation Period Works<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\">\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">1<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Claims and reporting<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">A covered event (fire, water damage, theft) occurs. You immediately declare to your insurer and to Assur360. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">2<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Time deductible (7 to 14 days)<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">BI begins after a deductible in days (generally 72 hours to 7 days). Chosen according to your ability to absorb a short interruption. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">3<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Compensation period (6-24 months)<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">The insurer pays monthly the loss of profits and ongoing costs during the resumption of operations. Your accountant documents the amounts. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">4<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Return to normal<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Compensation ends when the business returns to its pre-disaster level of activity \u2014 not just the physical reopening.<\/p><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\ud83d\udca1<\/div>\n  <div>\n    <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">Choose 12 vs 24 months<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">Most SMEs choose <strong style=\"color:#ffffff;\">12 months<\/strong>. But if your business depends on specialized equipment with long lead times (manufacturing, hospitality, catering) or if you have a critical season, <strong style=\"color:#ffffff;\">24 months<\/strong> is highly recommended \u2014 a restaurant that burns down in November may miss out on the summer seasons. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Business-interruption-insurance-rates-Quebec-2026\"><\/span>Business interruption insurance rates Quebec 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead>\n      <tr style=\"background:#0d1f2d;color:#ffffff;\">\n        <th style=\"padding:14px 16px;text-align:left;border:none;\">Annual<\/th>\n turnover<th style=\"padding:14px 16px;text-align:left;border:none;\">Period 12 months<\/th>\n<th style=\"padding:14px 16px;text-align:left;border:none;\">Period 24 months<\/th>\n<th style=\"padding:14px 16px;text-align:left;border:none;\">PD+BI combo surcharge<\/th>                        \n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\">\n        Less than $\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">500,000<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$800 to $<\/td>\n1,500<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$1,300 to $<\/td>\n2,400<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">-15% approx.<\/td>                        \n      <\/tr>\n      <tr style=\"background:#ffffff;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">$500,000 to $<\/td>\n2 million<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$1,500 to $<\/td>\n4,000<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$2,400 to $<\/td>\n6,400<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">-15% approx.<\/td>                        \n      <\/tr>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">$2 million to $<\/td>\n10 million<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$4,000 to $<\/td>\n12,000<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$6,400 to $<\/td>\n19,000<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">-15% to -20%<\/td>                        \n      <\/tr>\n      <tr style=\"background:#ffffff;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">More than $<\/td>\n10 million<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">Tailor-made<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">Tailor-made<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">-20% and more<\/td>                        \n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*Indicative prices for 2026, vary by sector (catering and manufacturing = increased premium). <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\">Exact quote in 3 minutes<\/a>.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cyber-BI-Protect-yourself-against-digital-interruptions\"><\/span>Cyber BI: Protect yourself against digital interruptions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155;\">In 2026, <strong>cyberattacks (ransomware, data leaks, denial of service)<\/strong> are forcing Quebec SMEs to suspend their operations for weeks. Traditional BI does NOT cover interruptions caused by a cyber event \u2014 you need separate <strong>Cyber Business Interruption<\/strong> coverage, often included in a comprehensive cyber policy. <\/p>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\u26a0\ufe0f<\/div>\n  <div>\n    <p style=\"color:#991b1b;font-weight:700;font-size:16px;margin:0 0 8px;\">Beware of pandemic exclusions<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0;line-height:1.6;\">Since COVID-19, most BI policies <strong>explicitly exclude government pandemics and quarantines<\/strong>. An administrative closure order does not trigger standard BI. Check the exclusions of your contract carefully with your broker.  <\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">FREE AUDIT<\/p>\n  <h3 style=\"color:#ffffff;font-size:26px;margin:0 0 16px;\">Does your current BI cover 24 months?<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">80% of SMEs are underinsured in BI. Free review by our trading brokers. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Review my coverage<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Regions-served-in-Quebec\"><\/span>Regions served in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155;\">Assur360 advises companies in all regions of Quebec on business interruption \u2014 <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong>, <strong>Thetford Mines<\/strong>, Longueuil, Drummondville, Rimouski, Rouyn-Noranda and all RCMs. Our commercial brokers know the particularities of the sector \u2014 manufacturing in Beauce, technology in Montreal, tourism in the Eastern Townships and Charlevoix. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-Articles-and-Pages\"><\/span>Related Articles and Pages<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Comprehensive business insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Property, liability, BI \u2014 everything an SME needs to insure.<\/p>\n  <\/a>\n  <a href=\"\/assurance-cyber-risques\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Cyber Risk Insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Covers cyber BI, data leakage, ransomware.<\/p>\n  <\/a>\n  <a href=\"\/assurance-bris-equipement\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Equipment breakdown<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Complementary protection for critical machines.<\/p>\n  <\/a>\n  <a href=\"\/assurance-responsabilite-civile-entreprise\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Commercial General Liability<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Protection against lawsuits from third parties and customers.<\/p>\n  <\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-%E2%80%94-Business-interruption\"><\/span>Frequently asked questions \u2014 Business interruption<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:32px 0;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What is the difference between property insurance and BI?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Property Damage (PD)<\/strong> reimburses the building, equipment and physical inventory. <strong>The BI<\/strong> compensates for the loss of income while the company cannot operate normally \u2014 profits, essential salaries, fixed costs. The two are complementary and should always be taken out together.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How do I calculate the amount of BI I need?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Basic formula: <strong>(expected annual income &#8211; variable costs)<\/strong> \u00d7 duration of the benefit period (12, 18 or 24 months). Your accountant can produce a <strong>BI reported values<\/strong> form. Underestimating leads to penalising co-insurance; overestimating increases the premium unnecessarily.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Which compensation period should I choose: 6, 12 or 24 months?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Depends on your sector and the time it takes to get back into operation: <strong>6 months<\/strong> for standard retail businesses, <strong>12 months<\/strong> for most SMEs, <strong>24 months<\/strong> for manufacturers, restaurateurs, hoteliers with specialized equipment that take a long time to replace.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What is supplier dependency (BI quota)?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">If your <strong>primary supplier<\/strong> suffers a loss and can&#8217;t deliver to you, contingent BI compensates for your losses. Essential for businesses that rely on a single supplier or long order \u2014 manufacturers, distributors, restaurants with specialized suppliers. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Are cyberattacks covered by standard BI?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No. Traditional BI only covers material claims (fire, water, theft). To cover a shutdown due to ransomware or a data leak, you need a <a href=\"\/assurance-cyber-risques\/\">cyber risk policy<\/a> with specific Cyber BI coverage. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Does BI cover a pandemic or a lockdown?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Since 2020, almost all BI policies <strong>explicitly exclude pandemics and health orders<\/strong>. Only a few high-cost specialty policies offer this coverage. Read the exclusions carefully with your broker.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What is the typical time deductible?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Usually <strong>72 hours to 7 days<\/strong>. The longer the time deductible, the lower the premium. Choose a deductible that is consistent with your cash flow \u2014 if you can absorb 1 week of downtime without help, opt for 7 days to save.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How do I prove my losses to the insurer?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The insurer requires your <strong>audited financial statements<\/strong> for the last 2-3 years, your payroll books, supplier invoices, current customer contracts. Your accountant prepares a <strong>BI claim<\/strong> report. Assur360 works with commercial claims adjusters to maximize compensation.  <\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Quelle est la diff\u00e9rence entre l'assurance bien et la BI ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"L'assurance biens rembourse le b\u00e2timent, \u00e9quipements et inventaire. La BI indemnise le manque \u00e0 gagner pendant que l'entreprise ne peut pas op\u00e9rer \u2014 profits, salaires essentiels, frais fixes.\"}},{\"@type\":\"Question\",\"name\":\"Comment calculer le montant de BI dont j'ai besoin ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Formule : revenus annuels moins co\u00fbts variables, multipli\u00e9 par la p\u00e9riode d'indemnisation. Votre comptable peut produire un formulaire de valeurs d\u00e9clar\u00e9es BI.\"}},{\"@type\":\"Question\",\"name\":\"Quelle p\u00e9riode d'indemnisation choisir ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"6 mois pour commerces standards, 12 mois pour la majorit\u00e9 des PME, 24 mois pour manufacturiers, restaurants et h\u00f4tels avec \u00e9quipements sp\u00e9cialis\u00e9s.\"}},{\"@type\":\"Question\",\"name\":\"Qu'est-ce que la d\u00e9pendance fournisseur ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Si votre fournisseur principal subit un sinistre et ne peut pas livrer, la BI contingente indemnise vos pertes. Essentiel pour entreprises d\u00e9pendant d'un fournisseur unique.\"}},{\"@type\":\"Question\",\"name\":\"Les cyberattaques sont-elles couvertes par la BI standard ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non. La BI traditionnelle couvre seulement les sinistres mat\u00e9riels. Pour un arr\u00eat d\u00fb \u00e0 un ran\u00e7ongiciel, il faut une police cyber-risques avec Cyber BI.\"}},{\"@type\":\"Question\",\"name\":\"La BI couvre-t-elle une pand\u00e9mie ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Depuis 2020, la quasi-totalit\u00e9 des polices BI excluent explicitement les pand\u00e9mies et ordonnances sanitaires.\"}},{\"@type\":\"Question\",\"name\":\"Quelle franchise temporelle typique ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"G\u00e9n\u00e9ralement 72 heures \u00e0 7 jours. Plus la franchise est longue, plus la prime baisse.\"}},{\"@type\":\"Question\",\"name\":\"Comment prouver mes pertes ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"L'assureur exige \u00e9tats financiers v\u00e9rifi\u00e9s des 2-3 derni\u00e8res ann\u00e9es, livres de paie, factures et contrats. Le comptable pr\u00e9pare un rapport de r\u00e9clamation BI.\"}}]}\n<\/script>\n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:12px;\">\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>AMF<\/strong> certified firm<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>ChAD<\/strong> Member<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>100,000+<\/strong> quotes completed<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>13 partner firms<\/strong> in Quebec<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>Independent<\/strong> brokers<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">Commercial claims support <strong><\/strong><\/span><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">FREE QUOTE<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Protect your revenue continuity<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Operating losses 6-24 months. Free review of your current coverage. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Get My Quote<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">Call a broker<\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"BreadcrumbList\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.assur360.ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Assurance entreprise\",\"item\":\"https:\/\/www.assur360.ca\/assurance-entreprise\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Pertes d'exploitation\",\"item\":\"https:\/\/www.assur360.ca\/assurance-pertes-dexploitation\/\"}]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>IN BRIEF Business interruption insurance Business interruption insurance replaces your business income during the reconstruction period after a covered loss (fire, water [&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":"Business Interruption Insurance 2026 QC | BI 6-24 months","_seopress_titles_desc":"QC Business Interruption Insurance: income, wages, rent covered 6-24 months after loss. Free review in 3 min. ","_seopress_robots_index":"","_seopress_analysis_target_kw":"","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-15705","page","type-page","status-publish","has-post-thumbnail","hentry"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":1,"sum_votes":5},"_links":{"self":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15705","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=15705"}],"version-history":[{"count":9,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15705\/revisions"}],"predecessor-version":[{"id":57847,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15705\/revisions\/57847"}],"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=15705"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}