{"id":15811,"date":"2017-10-20T13:06:15","date_gmt":"2017-10-20T17:06:15","guid":{"rendered":"https:\/\/www.assur360.ca\/office-insurance-2\/"},"modified":"2026-04-20T15:14:51","modified_gmt":"2026-04-20T19:14:51","slug":"office-insurance-2","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/office-insurance-2\/","title":{"rendered":"Professional office insurance in Quebec: clinics, offices and agencies"},"content":{"rendered":"\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"InsuranceAgency\",\n  \"name\": \"Assur360\",\n  \"url\": \"https:\/\/www.assur360.ca\/assurance-bureau-professionnel\/\",\n  \"logo\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/01\/assur360-logo.png\",\n  \"description\": \"Assurance bureau professionnel au Qu\u00e9bec : cliniques, cabinets, agences. Couverture biens, RC professionnelle, cyber, perte de revenus. 9 assureurs certifi\u00e9s AMF.\",\n  \"telephone\": \"+1-866-357-4451\",\n  \"email\": \"info@assur360.ca\",\n  \"address\": {\"@type\":\"PostalAddress\",\"streetAddress\":\"110 rue Notre-Dame Est\",\"addressLocality\":\"Thetford Mines\",\"addressRegion\":\"QC\",\"postalCode\":\"G6G 2J8\",\"addressCountry\":\"CA\"},\n  \"areaServed\": {\"@type\":\"Province\",\"name\":\"Qu\u00e9bec\"},\n  \"serviceType\": [\"Assurance bureau professionnel\",\"Assurance cabinet\",\"Assurance clinique\",\"Assurance RC professionnelle\"]\n}\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-bureau-professionnel.jpg\" alt=\"Professional Office \u2014 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    <div id=\"ez-toc-container\" class=\"ez-toc-v2_0_84 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">sommaire interactif<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #5b5b5b;color:#5b5b5b\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #5b5b5b;color:#5b5b5b\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.assur360.ca\/en\/office-insurance-2\/#Professional-office-insurance\" >Professional office insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.assur360.ca\/en\/office-insurance-2\/#Protect-your-office-practice-and-revenue\" >Protect your office, practice, and revenue<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.assur360.ca\/en\/office-insurance-2\/#The-6-Essential-Covers-for-Your-Office\" >The 6 Essential Covers for Your Office<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.assur360.ca\/en\/office-insurance-2\/#How-much-does-professional-office-insurance-cost-in-2026\" >How much does professional office insurance cost in 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.assur360.ca\/en\/office-insurance-2\/#Eligible-professions-and-offices\" >Eligible professions and offices<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.assur360.ca\/en\/office-insurance-2\/#Why-is-office-insurance-essential\" >Why is office insurance essential?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.assur360.ca\/en\/office-insurance-2\/#The-5-factors-that-influence-your-premium\" >The 5 factors that influence your premium<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.assur360.ca\/en\/office-insurance-2\/#Protect-your-professional-office-today\" >Protect your professional office today<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.assur360.ca\/en\/office-insurance-2\/#FAQ-%E2%80%94-Professional-office-insurance-in-Quebec\" >FAQ \u2014 Professional office insurance in Quebec<\/a><\/li><\/ul><\/nav><\/div>\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=\"Professional-office-insurance\"><\/span>Professional office 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;\">Any professional office (consultant, advisor, agency) needs the basic combination: <strong>general liability (visitors), property (equipment, furniture), business interruption, and E&#038;O depending on the business<\/strong>.<\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Working from home:<\/strong> Your home policy does NOT cover professional activity. A <em>home-based business<\/em> policy is necessary as soon as you receive clients or store professional equipment at home. <\/p>\n  <\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Your office is the heart of your professional practice \u2014 water damage, fire, cyberattack or liability lawsuit can cripple your business and revenue. <strong>Professional office insurance<\/strong> bundles the protection of your premises, equipment, liability, and data under a single policy. At <strong>Assur360<\/strong>, our <a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assurance\" target=\"_blank\" rel=\"noopener\">AMF-certified<\/a> brokers compare the offers of <strong>9 specialized insurers<\/strong> for professionals in Quebec.  <\/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;\">QUEBEC OFFICE INSURANCE<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Protect-your-office-practice-and-revenue\"><\/span>Protect your office, practice, and revenue<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Clinic, office, agency \u2014 our brokers find the ideal coverage among 9 insurers. Free quote in less than 3 minutes. <\/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 free quote\u2192<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-6-Essential-Covers-for-Your-Office\"><\/span>The 6 Essential Covers for Your Office<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;\">A good office policy includes several complementary protections. Here are the ones that every professional should evaluate with their broker. <\/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;\">Goods and contents<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Furniture, computer equipment, medical instruments, paper records. Covers damage by fire, water damage, theft and vandalism. <strong>Recommended replacement cost<\/strong> . <\/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;\">\u2696\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Professional liability (E&#038;O)<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Errors, omissions, inadequate advice. Covers attorneys&#8217; fees, damages and settlements. <strong>Mandatory<\/strong> for several professional orders in Quebec. <\/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\udee1\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">General RC<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">A customer slips in your lobby, a visitor is injured \u2014 your general liability insurance covers bodily injury and property damage caused to third parties on your premises.<\/p>\n  <\/div>\n<\/div>\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:0 0 32px;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #0d1f2d;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcbb<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Cyber Insurance<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">43% of cyberattacks target SMBs. Covers <a href=\"https:\/\/www.assur360.ca\/en\/cyber-insurance-for-businesses-in-quebec-protect-your-data-2026\/\" style=\"color:#10c4c7;\">data breaches<\/a>, ransomware, customer notification fees, and system restoration. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #0d1f2d;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcc9<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Loss of income<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">If a disaster forces the temporary closure of your office, this coverage compensates for your <strong>lost profits<\/strong> and fixed costs (rent, salaries, loans) until the recovery.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #0d1f2d;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udccb<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Specialized endorsements<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Equipment breakage, exterior signage, theft of money, employee dishonesty, glass breakage, sewer backup \u2014 customize your policy to your needs.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-much-does-professional-office-insurance-cost-in-2026\"><\/span>How much does professional office insurance cost in 2026?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;\">The cost depends on your profession, the size of the office, the number of employees and the coverage chosen. Here are the <strong>average annual premium ranges<\/strong> in Quebec: <\/p>\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        \n <th style=\"padding:14px 16px;text-align:left;border:none;\">Office Type<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Annual<\/th>\n premium<th style=\"padding:14px 16px;text-align:left;border:none;\">Covers included<\/th>                \n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"border-bottom:1px solid #e2e8f0;\">\n        <td style=\"padding:12px 16px;\"><strong>Individual office (consultant, accountant)<\/strong><\/td>\n<td style=\"padding:12px 16px;\">$500 \u2013 $<\/td>\n1,500<td style=\"padding:12px 16px;\">Property + General Liability + Basic E&#038;O<\/td>                \n      <\/tr>\n      <tr style=\"background:#f8fafc;border-bottom:1px solid #e2e8f0;\">\n        <td style=\"padding:12px 16px;\"><strong>Firm (lawyer, notary, architect)<\/strong><\/td>\n<td style=\"padding:12px 16px;\">$1,500 \u2013 $<\/td>\n5,000<td style=\"padding:12px 16px;\">Property + RC + Extended E&#038;O + Cyber<\/td>                \n      <\/tr>\n      <tr style=\"border-bottom:1px solid #e2e8f0;\">\n        <td style=\"padding:12px 16px;\"><strong>Medical\/Dental<\/strong><\/td>\n Clinic<td style=\"padding:12px 16px;\">$2,000 \u2013 $<\/td>\n8,000<td style=\"padding:12px 16px;\">Medical equipment + RC + professional fault<\/td>                \n      <\/tr>\n      <tr style=\"background:#f8fafc;border-bottom:1px solid #e2e8f0;\">\n        <td style=\"padding:12px 16px;\"><strong>Agency (real estate, advertising, graphic design)<\/strong><\/td>\n<td style=\"padding:12px 16px;\">$1,000 \u2013 $<\/td>\n3,500<td style=\"padding:12px 16px;\">Property + RC + E&#038;O + cyber<\/td>                \n      <\/tr>\n      <tr style=\"border-bottom:1px solid #e2e8f0;\">\n        <td style=\"padding:12px 16px;\"><strong>Salon (hairdressing, aesthetics, funeral)<\/strong><\/td>\n<td style=\"padding:12px 16px;\">$800 \u2013 $<\/td>\n3,000<td style=\"padding:12px 16px;\">Goods + RC + products + glass breakage<\/td>                \n      <\/tr>\n      <tr style=\"background:#f8fafc;border-bottom:1px solid #e2e8f0;\">\n        <td style=\"padding:12px 16px;\"><strong>Multi-professional office (5+ employees)<\/strong><\/td>\n<td style=\"padding:12px 16px;\">$3,000 \u2013 $<\/td>\n12,000<td style=\"padding:12px 16px;\">Full Program + Loss of Income<\/td>                \n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;\">These rates vary depending on your location, claims history, and the value of your content.  <strong><a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\">Get your personalized quote\u2192<\/a><\/strong><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Eligible-professions-and-offices\"><\/span>Eligible professions and offices<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;\">Our office insurance program covers a wide range of occupations. Whatever your sector, our brokers will find the right coverage. <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin:32px 0;\">\n  <div style=\"background:#f0fafa;border-left:4px solid #10c4c7;border-radius:8px;padding:20px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83c\udfe5 Health and care<\/h3>\n    <p style=\"color:#334155;font-size:14px;margin:0;\">Medical clinics, dentists, optometrists, physiotherapists, osteopaths, massage therapists, chiropractors<\/p>\n  <\/div>\n  <div style=\"background:#f0fafa;border-left:4px solid #10c4c7;border-radius:8px;padding:20px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\u2696\ufe0f Legal and Finance<\/h3>\n    <p style=\"color:#334155;font-size:14px;margin:0;\">Lawyers, notaries, accountants, financial advisors, planners, mortgage brokers, paralegals<\/p>\n  <\/div>\n  <div style=\"background:#f0fafa;border-left:4px solid #10c4c7;border-radius:8px;padding:20px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83d\udcd0 Technology and design<\/h3>\n    <p style=\"color:#334155;font-size:14px;margin:0;\">Architects, engineers, land surveyors, graphic designers, advertising agencies, web developers<\/p>\n  <\/div>\n  <div style=\"background:#f0fafa;border-left:4px solid #10c4c7;border-radius:8px;padding:20px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83c\udfe0 Real estate and services<\/h3>\n    <p style=\"color:#334155;font-size:14px;margin:0;\">Real estate agencies, <a href=\"https:\/\/www.assur360.ca\/en\/life-insurance-compare-online\/\" style=\"color:#10c4c7;\">life insurance firms<\/a>, financial services, insurance brokers<\/p>\n  <\/div>\n  <div style=\"background:#f0fafa;border-left:4px solid #10c4c7;border-radius:8px;padding:20px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83d\udc87 Personal Care<\/h3>\n    <p style=\"color:#334155;font-size:14px;margin:0;\">Hair salons, beauty salons, barbers, spas, beauty clinics<\/p>\n  <\/div>\n  <div style=\"background:#f0fafa;border-left:4px solid #10c4c7;border-radius:8px;padding:20px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83c\udfdb\ufe0f Other offices<\/h3>\n    <p style=\"color:#334155;font-size:14px;margin:0;\">Funeral homes, tax preparers, consultants, management offices, coworking spaces<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-is-office-insurance-essential\"><\/span>Why is office insurance essential?<span class=\"ez-toc-section-end\"><\/span><\/h2>\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;\">Did you know?<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0;line-height:1.6;\">In Quebec, <strong>1 in 4 SMEs<\/strong> will suffer a major disaster in the next 10 years. Without proper insurance, fire, water damage, or liability lawsuits can result in the <strong>permanent closure<\/strong> of your office. The cost of replacing medical or computer equipment alone often exceeds $50,000.  <\/p>\n  <\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;\">Many professional orders in Quebec require professional liability insurance. Consult the <strong><a href=\"https:\/\/www.chad.ca\/\" target=\"_blank\" rel=\"noopener\">Chambre de l&#8217;assurance de dommages (ChAD)<\/a><\/strong> or your professional order to find out about your specific obligations. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-5-factors-that-influence-your-premium\"><\/span>The 5 factors that influence your premium<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;\">Your profession and level of risk<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">A dental office with $200,000 equipment will not be priced like an accountant&#8217;s office. Professions at high risk of prosecution (lawyers, engineers) have higher E&#038;O premiums. <\/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;\">Office size and location<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">An office in downtown Montreal costs more to insure than a firm in the regions. The proximity of a fire station and the age of the building also matter. <\/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;\">Value of Equipment and Content<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Inventory everything: computers, servers, furniture, specialized instruments, works of art, stocks. Undervaluation leads to insufficient compensation. <\/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;\">Number of employees and turnover<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">The larger your office, the greater the exposure to risk. Turnover is used as the basis for calculating professional liability. <\/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;\">5<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Claims history<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">A clean record over 3-5 years gives you access to the best rates. A recent claim can increase your premium by 15-40%. <\/p><\/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  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Protect-your-professional-office-today\"><\/span>Protect your professional office today<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Compare offers from 9 insurers in less than 3 minutes. Free service, 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;\">Get my free quote\u2192<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQ-%E2%80%94-Professional-office-insurance-in-Quebec\"><\/span>FAQ \u2014 Professional office insurance in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div class=\"wp-block-wpseopress-faq-block-v2 is-layout-flow wp-block-wpseopress-faq-block-v2-is-layout-flow\">\n<details id=\"cout-assurance-bureau\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>How much does professional office insurance cost in Quebec?<\/summary>\n<p class=\"wp-block-paragraph\"><strong>From $500 to $12,000\/year<\/strong> depending on the profession and the size of the office: $500-1,500 for a sole office, $1,500-5,000 for a practice, $2,000-8,000 for a medical\/dental clinic. The cost depends on the profession, the area, the equipment and the coverages chosen. <\/p>\n<\/details>\n\n\n\n<details id=\"sinistres-couverts\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>What claims are covered by office insurance?<\/summary>\n<p class=\"wp-block-paragraph\">Office insurance covers property damage (fire, water damage, theft, vandalism), general liability (injury to a visitor), professional liability (errors and omissions), cyber risks (data breaches, ransomware), loss of income during a forced shutdown and breakdown of specialized equipment.<\/p>\n<\/details>\n\n\n\n<details id=\"rc-pro-obligatoire\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Is professional liability insurance mandatory in Quebec?<\/summary>\n<p class=\"wp-block-paragraph\">It depends on your profession. Several professional orders (<a href=\"https:\/\/www.barreau.qc.ca\/\" target=\"_blank\" rel=\"noopener\">Bar<\/a>, Order of Accountants, Order of Engineers, Chamber of Notaries) require it. Even without obligation, it is strongly recommended to protect your personal assets against lawsuits.  <\/p>\n<\/details>\n\n\n\n<details id=\"assurance-proprietaire-exige\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>My landlord requires insurance \u2014 which one should I get?<\/summary>\n<p class=\"wp-block-paragraph\">Your commercial lease likely requires tenant insurance that includes general liability (often $2 million minimum) and coverage for your belongings. This policy is separate from the building insurance held by the owner. Your broker can provide a certificate of insurance to the homeowner.  <\/p>\n<\/details>\n\n\n\n<details id=\"cyber-petit-bureau\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Is cyber insurance necessary for a small office?<\/summary>\n<p class=\"wp-block-paragraph\">Yes, especially if you store customer data (medical, financial, legal records). 43% of cyberattacks target SMBs. A data breach can cost $200 per compromised record. <strong>Quebec&#8217;s Bill 25<\/strong> imposes obligations to protect personal information.   <\/p>\n<\/details>\n\n\n\n<details id=\"regroupement-polices\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Can I bundle my office insurance with other policies?<\/summary>\n<p class=\"wp-block-paragraph\">Yes, bundling your office insurance with your commercial auto insurance or other business policies can generate <strong>multi-policy discounts of 10-20%.<\/strong> Your Assur360 broker optimizes consolidation to maximize your savings. <\/p>\n<\/details>\n\n\n\n<details id=\"sinistre-bureau-procedure\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>What should I do in the event of a disaster in my office?<\/summary>\n<p class=\"wp-block-paragraph\">1) Keep everyone safe. 2) Call 911 if necessary. 3) Document the damage (photos, videos). 4) Take emergency measures to limit the damage. 5) Contact your <a href=\"https:\/\/www.assur360.ca\/en\/disaster-emergency\/\">Assur360 broker within 24 hours<\/a>. 6) Keep all emergency repair invoices.     <\/p>\n<\/details>\n\n\n\n<details id=\"courtier-bureau\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Why use a broker for office insurance?<\/summary>\n<p class=\"wp-block-paragraph\">A broker like <strong>Assur360<\/strong> compares the offers of 9 insurers, knows the specialized programs by profession (dentists, lawyers, engineers) and negotiates unattainable conditions directly. Its service is free for you \u2014 it is paid by the insurer of your choice. <\/p>\n<\/details>\n\n\n<\/div>\n\n<p class=\"has-text-align-center wp-block-paragraph\" style=\"margin-top:40px;\"><strong>Your office deserves protection that matches your expertise.<\/strong> <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\">Get your free quote\u2192<\/a><\/p>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"url\":\"https:\/\/www.assur360.ca\/assurance-bureau-professionnel\/\",\"mainEntity\":[\n{\"@type\":\"Question\",\"name\":\"Combien co\u00fbte une assurance bureau professionnel au Qu\u00e9bec ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"De 500 $ \u00e0 12 000 $\/an selon la profession : bureau individuel (500-1 500 $), cabinet (1 500-5 000 $), clinique m\u00e9dicale (2 000-8 000 $).\"}},\n{\"@type\":\"Question\",\"name\":\"Quels sinistres sont couverts ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Incendie, d\u00e9g\u00e2t d'eau, vol, RC g\u00e9n\u00e9rale, RC professionnelle (E&O), cyberrisques, perte de revenus et bris d'\u00e9quipement.\"}},\n{\"@type\":\"Question\",\"name\":\"La RC professionnelle est-elle obligatoire ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui pour plusieurs ordres professionnels (Barreau, comptables, ing\u00e9nieurs, notaires). Fortement recommand\u00e9e pour tous.\"}},\n{\"@type\":\"Question\",\"name\":\"L'assurance cyber est-elle n\u00e9cessaire pour un petit bureau ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. 43 % des cyberattaques ciblent les PME. La Loi 25 impose des obligations de protection des donn\u00e9es. Une br\u00e8che co\u00fbte environ 200 $ par dossier.\"}},\n{\"@type\":\"Question\",\"name\":\"Puis-je regrouper mes polices ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, des rabais de 10-20 % sont possibles en regroupant bureau + auto commerciale + autres polices.\"}},\n{\"@type\":\"Question\",\"name\":\"Que faire en cas de sinistre ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"S\u00e9curiser les lieux, documenter avec photos, limiter les dommages, contacter votre courtier dans les 24h.\"}},\n{\"@type\":\"Question\",\"name\":\"Mon propri\u00e9taire exige une assurance \u2014 laquelle ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Assurance locataire commercial : RC g\u00e9n\u00e9rale (min. 2 M$) + couverture de vos biens. Distincte de l'assurance du b\u00e2timent.\"}},\n{\"@type\":\"Question\",\"name\":\"Pourquoi passer par un courtier ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Acc\u00e8s \u00e0 9 assureurs, programmes sp\u00e9cialis\u00e9s par profession, service gratuit.\"}}\n]}\n<\/script>\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 bureau professionnel\",\"item\":\"https:\/\/www.assur360.ca\/assurance-bureau-professionnel\/\"}]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>IN BRIEF Professional office insurance Any professional office (consultant, advisor, agency) needs the basic combination: general liability (visitors), property (equipment, furniture), business [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":46349,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Professional Office Insurance Quebec 2026 \u2014 Free Quote | Assur360","_seopress_titles_desc":"Professional office insurance in Quebec: clinics, offices, agencies. From $500 to $12,000\/year. Professional liability, cyber, loss of income. 9 AMF insurers.   ","_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":"Office Insurance","_seopress_social_fb_desc":"Protect your business with the best insurance in Quebec. AMF certified broker. Free quote in 3 min.  ","_seopress_social_fb_img":"https:\/\/www.assur360.ca\/wp-content\/uploads\/2025\/11\/Courtier-assurance-entreprise-au-Quebec-en-ligne.png","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"Office Insurance","_seopress_social_twitter_desc":"Protect your business with the best insurance in Quebec. AMF certified broker. Free quote in 3 min.  ","_seopress_social_twitter_img":"https:\/\/www.assur360.ca\/wp-content\/uploads\/2025\/11\/Courtier-assurance-entreprise-au-Quebec-en-ligne.png","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","yasr_pro_reviews_in_comment_enabled":0,"footnotes":""},"class_list":["post-15811","page","type-page","status-publish","has-post-thumbnail","hentry"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"_links":{"self":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15811","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/comments?post=15811"}],"version-history":[{"count":20,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15811\/revisions"}],"predecessor-version":[{"id":57779,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15811\/revisions\/57779"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media\/46349"}],"wp:attachment":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media?parent=15811"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}