{"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":"2026-09-02T12:26:16","modified_gmt":"2026-09-02T16:26:16","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<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 class=\"wp-block-paragraph\" 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 class=\"wp-block-paragraph\" 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 class=\"wp-block-paragraph\" 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 class=\"wp-block-paragraph\" 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 brokers from our business partner firms. <\/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 class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Assur360 advises companies in all regions of Quebec on business interruption matters \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. The brokers of our business partner firms are familiar with 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 damage (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, vendor invoices, and current customer contracts. Your accountant prepares a <strong>BI claim<\/strong> report. Assur360 works with commercial claims specialists 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>Member of the Insurance Chamber<\/strong><\/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_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. 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