{"id":15707,"date":"2021-02-22T11:30:26","date_gmt":"2021-02-22T16:30:26","guid":{"rendered":"https:\/\/www.assur360.ca\/directors-and-officers-insurance-3\/"},"modified":"2026-09-02T12:25:12","modified_gmt":"2026-09-02T16:25:12","slug":"directors-and-officers-insurance-3","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/directors-and-officers-insurance-3\/","title":{"rendered":"D&#038;O Directors and Officers Insurance Quebec 2026"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<h1 style=\"font-family:'Sora',sans-serif;font-size:clamp(28px,4vw,38px);font-weight:800;line-height:1.2;color:#0d1f2d;margin:32px 0 24px;\"><span class=\"ez-toc-section\" id=\"DO-Directors-and-Officers-Insurance-Quebec-2026\"><\/span>DO Directors and Officers Insurance Quebec 2026<span class=\"ez-toc-section-end\"><\/span><\/h1>\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-administrateurs-dirigeants-do.jpg\" alt=\"Directors and Officers \u2014 DO Assur360 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=\"DO-Insurance-Directors-and-Officers\"><\/span>DO Insurance (Directors and Officers)<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>DO (Directors  Officers) insurance<\/strong> protects corporate directors and officers from personal claims (shareholders, creditors, employees, government). Essential for non-profit and incorporated businesses. <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Key coverage:<\/strong> legal defense (often $100,000-500,000 before any settlement), indemnities, and <em>employment practices liability<\/em>. Typical limits: $1-5 million for SMEs, $10-25 million for medium-sized companies. <\/p>\n  <\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Directors and officers of Quebec companies face increasing personal risks \u2014 shareholder claims, employee dismissal lawsuits, AMF\/ARC regulatory investigations, governance disputes, breach of fiduciary duty. <strong>Directors and Officers (DO) insurance<\/strong> protects you and your company&#8217;s <strong>wealth<\/strong> from these claims. At <strong>Assur360<\/strong>, our <strong>AMF-certified brokers<\/strong> build DO policies (Side A, B, C) for SMEs from $1-10 million, non-profit organizations and boards of directors.  <\/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;\">PERSONAL PROTECTION OF THE DIRECTOR<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"DO-%E2%80%94-Legal-Shield-for-Quebec-Directors\"><\/span>DO \u2014 Legal Shield for Quebec Directors<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Costs of defence, settlements, judgments. Full Side A\/B\/C protection. <\/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;\">$1-10M<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Standard SME Limit<\/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;\">Side A\/B\/C<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Coverage structure<\/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=\"Who-needs-DO-insurance\"><\/span>Who needs DO 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;\">Any person who sits on the board of directors of a corporation, a non-profit organization or who holds a management position (CEO, CFO, VP, general manager) can be <strong>personally sued<\/strong> for his or her professional decisions. Contrary to popular belief, the <strong>limitation of liability in the Business Corporations Code<\/strong> does not protect against claims for negligence, breach of fiduciary duty or non-compliance. Only a DO policy indemnifies these risks.  <\/p>\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;\">\ud83c\udfe2<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">SME ($1-10M)<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Private family businesses, tech startups, manufacturers, distributors. Required by investors, banks and potential acquirers in mergers and acquisitions. <\/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;\">\ud83e\udd1d<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Multi-Shareholder Companies<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Increased risk of minority shareholder lawsuits for abuse of rights, dilution or contested decisions. The DO pays the legal fees even in the event of an unfounded lawsuit. <\/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;\">\u2764\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Not-for-Profit Organizations and Foundations<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Volunteer directors of not-for-profit organizations, charitable foundations, joint boards \u2014 exposed to claims from employees, beneficiaries or donors.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Types-of-Claims-Covered\"><\/span>Types of Claims Covered<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;\">\u2696\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Shareholder Claims<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Fraud, misrepresentations in financial statements, decisions that diminish the value of the share, conflicts of interest, dilution, related party transactions.<\/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\udcbc<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Employee Lawsuits (EPL)<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Wrongful dismissal, discrimination, harassment, reprisals, non-compliance with labour standards in Quebec. Included via <strong>EPL (Employment Practices Liability)<\/strong> extension. <\/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\udfdb\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Regulatory Investigations<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">AMF, Revenu Qu\u00e9bec, CRA, CNESST, OQLF, CRTC \u2014 defence costs in administrative investigations, even if no formal charges are laid.<\/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\udcd1<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Fiduciary breach<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Negligence in management, decision-making without due diligence, failure to inform shareholders, failure to adequately supervise management.<\/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\udcb8<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Bankruptcy and insolvency<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Creditor claims, trustee in bankruptcy, allegations of insolvency fraud, preferential payment, retention of assets during a restructuring.<\/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\udce3<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Defamation and reputation<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Defamation, damage to professional reputation, statements made as an officer, public statements, social media, interviews with journalists.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Side-Structure-A-B-C-Explained\"><\/span>Side Structure A, B, C Explained<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;\">A<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Side A \u2014 Personal protection of the director<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Directly covers the director\/officer when the company <strong>can NOT<\/strong> compensate them (insolvency, legal prohibition, denial of compensation). Protects your home, RRSP, savings. <\/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;\">B<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Side B \u2014 Business Reimbursement<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Reimburses the <strong>company<\/strong> when it indemnifies its executives \u2014 indemnification contracts, advances on legal fees, out-of-court settlements.<\/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;\">C<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Side C \u2014 Entity Coverage<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Directly protects the <strong>company<\/strong> from securities claims \u2014 primarily for public or reporting companies.<\/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;\">SME: the largest is Side A<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">For private SMEs, <strong style=\"color:#ffffff;\">Side A is crucial<\/strong> : if your company goes bankrupt, it won&#8217;t be able to compensate you \u2014 and your personal assets are then directly exposed. Specialized lawyers recommend a dedicated Side A limit of at least <strong style=\"color:#ffffff;\">$1 million to $2 million<\/strong> in addition to the general limit. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"DO-Quebec-Insurance-Rates-2026\"><\/span>DO Quebec Insurance Rates 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;\">Entity<\/th>\n Type<th style=\"padding:14px 16px;text-align:left;border:none;\">Revenues<\/th>\n<th style=\"padding:14px 16px;text-align:left;border:none;\">Recommended<\/th>\n limit<th style=\"padding:14px 16px;text-align:left;border:none;\">Annual premium approx.<\/th>                        \n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">NPO (non-profit organization)<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Less than $<\/td>\n1 million<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$<\/td>\n1M<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$750 to $1,800<\/td>                        \n      <\/tr>\n      <tr style=\"background:#ffffff;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Private SME (small)<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$1 million to $<\/td>\n5 million$\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">1 to $3 million<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$1,800 to $4,500<\/td>                        \n      <\/tr>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Private SME (medium)<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$5 million to $<\/td>\n25 million<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$3 million to $<\/td>\n10 million<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$4,500 to $12,000<\/td>                        \n      <\/tr>\n      <tr style=\"background:#ffffff;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Tech\/startup with investors<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Variable (VC)<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$3 million to $<\/td>\n10 million<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$3,500 to $15,000<\/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 rates for 2026 \u2014 vary by sector, history, governance. <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\">Exact quote in 3 minutes<\/a>.<\/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;\">Typical exclusions to be aware of<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0;line-height:1.6;\">DO policies typically exclude: <strong>proven intentional fraud<\/strong>, illegal personal gains, confirmed criminal acts, criminal fines (different from civil penalties), <strong>insider vs. insider<\/strong> claims (except extension), and events prior to the effective date. Check each clause with your Assur360 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;\">GOVERNANCE AUDIT<\/p>\n  <h3 style=\"color:#ffffff;font-size:26px;margin:0 0 16px;\">Is your personal assets protected?<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Free review of your current coverage and recommendations based on your role.<\/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;\">Assess my DO risks<\/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 directors and officers throughout Quebec \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, L\u00e9vis. The brokers of our commercial partner firms work with specialized insurers (Chubb, AIG, Liberty, Travelers, Intact) to build DO policies adapted to Quebec SMEs in all sectors \u2014 manufacturing, tech, services, tourism, NPOs. <\/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, cyber \u2014 the master policy of your SME.<\/p>\n  <\/a>\n  <a href=\"\/assurance-erreurs-et-omissions\/\" 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;\">Errors and Omissions (EO)<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Professional protection for consulting services and consultants.<\/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;\">Corporate Cyber Risks<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Essential complement to DO in the event of a data leak.<\/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;\">Business liability<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Basis for the legal protection of your SME.<\/p>\n  <\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-%E2%80%94-DO-Insurance\"><\/span>Frequently Asked Questions \u2014 DO Insurance<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 exactly is DO insurance?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Directors  Officers (DO) insurance covers <strong>directors and officers personally<\/strong> against claims arising out of their acts, errors or omissions in the performance of their duties. It pays the <strong>costs of legal defence<\/strong>, settlements and judgments. It is a separate protection from the company&#8217;s commercial liability.  <\/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 a volunteer NPO director need DO?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Absolutely. A volunteer director is personally liable in the same way as a paid director. NPOs face claims from employees (dismissal, harassment), beneficiaries, or donors. A limit of <strong>$1 million<\/strong> with a bonus of <strong>$750 to $1,800<\/strong> is a minimum.   <\/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 DO cover wrongful dismissal claims?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, via the <strong>EPL (Employment Practices Liability)<\/strong> extension \u2014 usually included or addable to the DO policy. It covers wrongful dismissal, discrimination, harassment, reprisals, and non-compliance with labour standards in Quebec. This is one of the most common sources of complaints for SMEs.  <\/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 my indemnity contract replace the DO?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No. An indemnification contract with the company is a <strong>contractual promise<\/strong> \u2014 but if the company goes bankrupt or is legally unable to pay, you&#8217;re overdrawn. DO Side A compensates directly, even if the company can&#8217;t.  <\/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 long does the protection go back (retroactively)?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">DO policies operate in <strong>claims-made<\/strong> mode: the claim must be reported during the coverage period. The <strong>retroactive date<\/strong> limits which acts are covered \u2014 ideally &#8220;unlimited&#8221; or &#8220;since the foundation of the company&#8221;. If you are leaving a position, consider a 3-6 year <strong>tail clause (extension run-off)<\/strong> for late claims.  <\/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;\">Is fraud or theft by a director covered?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No. Proven <strong>intentional fraud<\/strong> , illegal personal gain and criminal acts are <strong>excluded<\/strong>. However, <strong>defence<\/strong> costs are often advanced to the final decision \u2014 this is a major safeguard against unfounded charges.  <\/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 tail (run-off) clause?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">If you sell your business or leave a position, the <strong>tail<\/strong> clause maintains coverage for claims arising from your previous retainer, reported <strong>after departure<\/strong>. Usually 3-6 years. Essential when selling or retiring.  <\/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 much does a DO policy cost for a $5 million SME?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">For a private SME with $5 million in revenues, count <strong>$2,500 to $6,000 per year<\/strong> for a limit of $3 million (Side A\/B\/C included, EPL included). The price varies depending on the sector, governance, claims history and shareholder structure. <\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Qu'est-ce que l'assurance D&O ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"L'assurance D&O couvre les administrateurs et dirigeants personnellement contre les r\u00e9clamations d\u00e9coulant de leurs fonctions \u2014 frais de d\u00e9fense, r\u00e8glements et jugements.\"}},{\"@type\":\"Question\",\"name\":\"Un administrateur d'OSBL b\u00e9n\u00e9vole a-t-il besoin de D&O ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Un administrateur b\u00e9n\u00e9vole est personnellement responsable. Une limite de 1 M$ avec prime de 750 $ \u00e0 1 800 $ est un minimum.\"}},{\"@type\":\"Question\",\"name\":\"La D&O couvre-t-elle le cong\u00e9diement abusif ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, via l'extension EPL (Employment Practices Liability) \u2014 incluse ou ajoutable \u00e0 la police D&O.\"}},{\"@type\":\"Question\",\"name\":\"Mon contrat d'indemnisation remplace-t-il la D&O ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non. Si l'entreprise fait faillite, vous \u00eates \u00e0 d\u00e9couvert. La D&O Side A indemnise directement m\u00eame si l'entreprise ne peut pas.\"}},{\"@type\":\"Question\",\"name\":\"Combien de temps remonte la protection ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Les polices D&O sont claims-made. La date de r\u00e9troactivit\u00e9 id\u00e9ale est illimit\u00e9e ou depuis la fondation de l'entreprise.\"}},{\"@type\":\"Question\",\"name\":\"La fraude d'un dirigeant est-elle couverte ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non. Les actes frauduleux intentionnels prouv\u00e9s sont exclus. Mais les frais de d\u00e9fense sont souvent avanc\u00e9s jusqu'\u00e0 la d\u00e9cision finale.\"}},{\"@type\":\"Question\",\"name\":\"Qu'est-ce que la clause tail ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Si vous vendez ou quittez, la clause tail maintient la couverture pour les r\u00e9clamations d\u00e9coulant du mandat pr\u00e9c\u00e9dent. G\u00e9n\u00e9ralement 3-6 ans.\"}},{\"@type\":\"Question\",\"name\":\"Combien co\u00fbte une police D&O pour PME 5 M$ ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Pour une PME priv\u00e9e avec 5 M$ de revenus, comptez 2 500 $ \u00e0 6 000 $ par ann\u00e9e pour une limite de 3 M$.\"}}]}\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;\">Partners <strong>Chubb, AIG, Liberty<\/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>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;\">Quebec <strong>SME<\/strong> specialists<\/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 personal wealth as a director<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">DO Side A\/B\/C + EPL Font. Submission in 3 minutes, without obligation. <\/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\":\"Administrateurs et dirigeants\",\"item\":\"https:\/\/www.assur360.ca\/assurance-administrateurs-et-dirigeants\/\"}]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>DO Directors and Officers Insurance Quebec 2026 IN BRIEF DO Insurance (Directors and Officers) DO (Directors Officers) insurance protects corporate directors and [&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":"D&O Directors & Executives Insurance 2026 QC | Assur360","_seopress_titles_desc":"D&O QC 2026 Insurance: Side A\/B\/C, EPL, Shareholder Claims, NPOs, SMEs $1-10 million. Protect your personal assets in 3 minutes.","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"Directors and Officers Insurance","_seopress_social_fb_desc":"Compare the best insurance offers in Quebec. AMF certified broker. Free quote in 3 minutes.","_seopress_social_fb_img":"https:\/\/www.assur360.ca\/wp-content\/uploads\/2026\/03\/og-comparateur-assurance-quebec.jpg","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"Directors and Officers Insurance","_seopress_social_twitter_desc":"Compare the best insurance offers in Quebec. AMF certified broker. 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