{"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":"2026-04-20T15:18:19","modified_gmt":"2026-04-20T19:18:19","slug":"directors-and-officers-insurance-3","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/directors-and-officers-insurance-3\/","title":{"rendered":"D&amp;O Directors and Officers 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 administrateurs et dirigeants D&O\",\"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-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 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 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 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 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. Our commercial brokers 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. Non-profit organizations 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. A contract to indemnify 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 cannot. <\/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>. On the other hand, <strong>defence<\/strong> costs are often advanced until the final decision \u2014 this is a major safeguard against unfounded accusations. <\/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>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;\">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>IN BRIEF DO Insurance (Directors and Officers) DO (Directors Officers) insurance protects corporate directors and officers from personal claims (shareholders, creditors, employees, [&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":"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. 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