{"id":16172,"date":"2024-03-25T09:59:25","date_gmt":"2024-03-25T13:59:25","guid":{"rendered":"https:\/\/www.assur360.ca\/insurance-quick-quote\/liability-insurance\/"},"modified":"2026-09-02T12:42:10","modified_gmt":"2026-09-02T16:42:10","slug":"liability-insurance","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/insurance-quick-quote\/liability-insurance\/","title":{"rendered":"Liability insurance"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\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 de dommages\",\"item\":\"https:\/\/www.assur360.ca\/assurance-de-dommages\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Responsabilit\u00e9 civile\",\"item\":\"https:\/\/www.assur360.ca\/assurance-de-dommages\/responsabilite-civile\/\"}]}\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=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:72px 40px 64px;border-radius:16px;margin:30px 0;text-align:center\">\n<p style=\"color:#10c4c7;font-size:.9rem;font-weight:600;letter-spacing:2px;text-transform:uppercase;margin:0 0 16px\">Protect yourself against the unexpected<\/p>\n<h2 style=\"color:#ffffff;font-size:clamp(1.8rem,4vw,2.6rem);margin:0 0 20px;font-weight:800;line-height:1.2\"><span class=\"ez-toc-section\" id=\"Civil-liability-insurance-in-Quebec\"><\/span>Civil liability insurance in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"color:#b0c4d8;font-size:1.1rem;max-width:750px;margin:0 auto 28px;line-height:1.7\">Civil liability insurance is your financial shield. It covers property damage, bodily injury and damage you may cause to third parties \u2014 whether you are an individual or a business. The brokers of our AMF-certified partner firms compare the best insurers in Quebec to get you the optimal coverage at the best price.  <\/p>\n<div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap\">\n<a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#0d1f2d;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:1.05rem\">Free Quote \u2014 Individual<\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:1.05rem;border:2px solid #ffffff\">Bid \u2014 business<\/a>\n<\/div>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin:40px 0;text-align:center\">\n<div style=\"padding:24px 16px;background:#f8fafc;border-radius:12px\">\n<div style=\"font-size:2rem;font-weight:800;color:#10c4c7\">$2M<\/div>\n<div style=\"color:#64748b;font-size:0.9rem;margin-top:4px\">Recommended Coverage<\/div>\n<\/div>\n<div style=\"padding:24px 16px;background:#f8fafc;border-radius:12px\">\n<div style=\"font-size:2rem;font-weight:800;color:#10c4c7\">$25<\/div>\n<div style=\"color:#64748b;font-size:0.9rem;margin-top:4px\">From \/ year (private)<\/div>\n<\/div>\n<div style=\"padding:24px 16px;background:#f8fafc;border-radius:12px\">\n<div style=\"font-size:2rem;font-weight:800;color:#10c4c7\">15+<\/div>\n<div style=\"color:#64748b;font-size:0.9rem;margin-top:4px\">Insurers Compared<\/div>\n<\/div>\n<div style=\"padding:24px 16px;background:#f8fafc;border-radius:12px\">\n<div style=\"font-size:2rem;font-weight:800;color:#10c4c7\">24h<\/div>\n<div style=\"color:#64748b;font-size:0.9rem;margin-top:4px\">Quick Quote<\/div>\n<\/div>\n<\/div>\n\n<div style=\"display:flex;align-items:center;gap:40px;margin:32px auto 48px;max-width:1200px;background:linear-gradient(145deg,#f8fafc,#f0f9ff);border-radius:20px;padding:36px;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\/05\/responsabilite-civile-hero.jpg\" alt=\"Advisor and client signing civil liability protection\" style=\"width:45%;max-width:480px;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;\">At a glance<\/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=\"Essential-protection-against-third-party-lawsuits\"><\/span>Essential protection against third-party lawsuits<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>Third-party liability insurance<\/strong> covers bodily injury or property damage that you cause to others. Included in most auto, home and business policies \u2014 but with limits that are sometimes too low. <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\">Assur360&#8217;s partner firms assess your coverage needs <strong>($1 million, $2 million or $5 million)<\/strong> according to your professional and wealth profile.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-is-liability-insurance-essential-for-individuals\"><\/span>Why is liability insurance essential for individuals?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Personal liability insurance protects you against the financial consequences of accidents and unforeseen incidents in everyday life. In Quebec, the minimum recommended coverage is <strong>$1,000,000<\/strong>, but many brokers suggest <strong>$2,000,000<\/strong> for adequate protection. <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:24px 0\">\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:28px 24px\">\n<h3 style=\"margin:0 0 12px;font-size:1.1rem;color:#0d1f2d\">\ud83d\ude97 Motor vehicle accident<\/h3>\n<p style=\"color:#475569;font-size:.95rem;line-height:1.6;margin:0\">Are you at fault in an accident and have injured someone or <a href=\"https:\/\/www.assur360.ca\/en\/insurance-comparator-4\/car-insurance-comparison\/\">damaged their vehicle<\/a>? Without car liability, you would be personally responsible for repairs, medical expenses, and legal fees. <\/p>\n<\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:28px 24px\">\n<h3 style=\"margin:0 0 12px;font-size:1.1rem;color:#0d1f2d\">\ud83c\udfe0 Property damage<\/h3>\n<p style=\"color:#475569;font-size:.95rem;line-height:1.6;margin:0\">Water damage in your home that affects your neighbour&#8217;s home, a child breaking a window \u2014 your home liability insurance covers repairs and replacements.<\/p>\n<\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:28px 24px\">\n<h3 style=\"margin:0 0 12px;font-size:1.1rem;color:#0d1f2d\">\ud83e\ude79 Bodily injury<\/h3>\n<p style=\"color:#475569;font-size:.95rem;line-height:1.6;margin:0\">Your dog bites a passerby, a guest gets hurt in your home \u2014 the RC covers the victim&#8217;s medical expenses and legal fees if they decide to file a complaint.<\/p>\n<\/div>\n<\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Commercial-liability-insurance-in-Quebec\"><\/span>Commercial liability insurance in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Companies are exposed to a multitude of risks and require <a href=\"https:\/\/www.assur360.ca\/en\/insurance-broker-get-a-quick-quote\/business-insurance-broker-get-a-quote\/\">appropriate commercial liability insurance<\/a> . Premiums typically range from <strong>$500 to $5,000\/year<\/strong> depending on the size of the business, industry, and revenue. <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:24px 0\">\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:12px;padding:28px 24px;text-align:center\">\n<div style=\"font-size:2.2rem;margin-bottom:12px\">\u26a0\ufe0f<\/div>\n<h3 style=\"color:#10c4c7;font-size:1.05rem;margin:0 0 10px\">Accidents at work<\/h3>\n<p style=\"color:#b0c4d8;font-size:.9rem;line-height:1.5;margin:0\">An employee is injured? The company liability insurance covers medical expenses and the costs related to a possible lawsuit, in addition to the CNESST. <\/p>\n<\/div>\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:12px;padding:28px 24px;text-align:center\">\n<div style=\"font-size:2.2rem;margin-bottom:12px\">\ud83d\udce6<\/div>\n<h3 style=\"color:#10c4c7;font-size:1.05rem;margin:0 0 10px\">Defective products<\/h3>\n<p style=\"color:#b0c4d8;font-size:.9rem;line-height:1.5;margin:0\">A product made or sold causes damage? Civil liability covers repair, replacement and financial losses for the consumer. <\/p>\n<\/div>\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:12px;padding:28px 24px;text-align:center\">\n<div style=\"font-size:2.2rem;margin-bottom:12px\">\u2696\ufe0f<\/div>\n<h3 style=\"color:#10c4c7;font-size:1.05rem;margin:0 0 10px\">Professional negligence<\/h3>\n<p style=\"color:#b0c4d8;font-size:.9rem;line-height:1.5;margin:0\">Error in a professional service? <a href=\"\/entreprise\/assurance-responsabilite-professionnelle\/\" style=\"color:#10c4c7\">Professional liability insurance<\/a> covers defence costs and damages. <\/p>\n<\/div>\n<\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"display:grid;grid-template-columns:1fr 1fr;gap:30px;margin:24px 0;align-items:flex-start\">\n<div style=\"background:#f0fdfa;border:2px solid #10c4c7;border-radius:16px;padding:32px\">\n<h2 style=\"color:#0d1f2d;font-size:1.3rem;margin:0 0 20px;font-weight:700\"><span class=\"ez-toc-section\" id=\"Types-of-liability-coverage-in-Quebec\"><\/span>Types of liability coverage in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div style=\"display:flex;flex-direction:column;gap:14px\">\n<div style=\"display:flex;align-items:flex-start;gap:12px\">\n<span style=\"color:#10c4c7;font-size:1.2rem;flex-shrink:0\">\u2713<\/span>\n<div><strong style=\"color:#0d1f2d\">General liability<\/strong> <span style=\"color:#475569;font-size:.9rem\">\u2014 Covers bodily injury and property damage caused to third parties<\/span><\/div>\n<\/div>\n<div style=\"display:flex;align-items:flex-start;gap:12px\">\n<span style=\"color:#10c4c7;font-size:1.2rem;flex-shrink:0\">\u2713<\/span>\n<div><strong style=\"color:#0d1f2d\">Professional Liability (E&#038;O)<\/strong> <span style=\"color:#475569;font-size:.9rem\">\u2014 Errors and Omissions in Professional Services<\/span><\/div>\n<\/div>\n<div style=\"display:flex;align-items:flex-start;gap:12px\">\n<span style=\"color:#10c4c7;font-size:1.2rem;flex-shrink:0\">\u2713<\/span>\n<div><strong style=\"color:#0d1f2d\">Directors and Officers (D&#038;O) Liability<\/strong> <span style=\"color:#475569;font-size:.9rem\">\u2014 Protects management decisions<\/span><\/div>\n<\/div>\n<div style=\"display:flex;align-items:flex-start;gap:12px\">\n<span style=\"color:#10c4c7;font-size:1.2rem;flex-shrink:0\">\u2713<\/span>\n<div><strong style=\"color:#0d1f2d\">Product liability<\/strong> <span style=\"color:#475569;font-size:.9rem\">\u2014 Damage caused by a product manufactured or sold<\/span><\/div>\n<\/div>\n<div style=\"display:flex;align-items:flex-start;gap:12px\">\n<span style=\"color:#10c4c7;font-size:1.2rem;flex-shrink:0\">\u2713<\/span>\n<div><strong style=\"color:#0d1f2d\">Umbrella RC<\/strong> <span style=\"color:#475569;font-size:.9rem\">\u2014 Additional coverage beyond the basic limits<\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:16px;padding:32px\">\n<h2 style=\"color:#0d1f2d;font-size:1.3rem;margin:0 0 20px;font-weight:700\"><span class=\"ez-toc-section\" id=\"How-much-does-liability-insurance-cost\"><\/span>How much does liability insurance cost?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div style=\"display:flex;flex-direction:column;gap:16px\">\n<div style=\"display:flex;justify-content:space-between;align-items:center;padding-bottom:12px;border-bottom:1px solid #e2e8f0\">\n<span style=\"color:#334155;font-weight:600\">Individuals<\/span>\n<span style=\"color:#10c4c7;font-weight:800;font-size:1.05rem\">$25 to $100\/year<\/span>\n<\/div>\n<div style=\"display:flex;justify-content:space-between;align-items:center;padding-bottom:12px;border-bottom:1px solid #e2e8f0\">\n<span style=\"color:#334155;font-weight:600\">Self-employed<\/span>\n workers<span style=\"color:#10c4c7;font-weight:800;font-size:1.05rem\">$300 to $1,500\/year<\/span>\n<\/div>\n<div style=\"display:flex;justify-content:space-between;align-items:center;padding-bottom:12px;border-bottom:1px solid #e2e8f0\">\n<span style=\"color:#334155;font-weight:600\">SME<\/span>\n<span style=\"color:#10c4c7;font-weight:800;font-size:1.05rem\">$500 to $5,000\/year<\/span>\n<\/div>\n<div style=\"display:flex;justify-content:space-between;align-items:center\">\n<span style=\"color:#334155;font-weight:600\">High-risk<\/span>\n businesses<span style=\"color:#10c4c7;font-weight:800;font-size:1.05rem\">$5,000 to $25,000+\/year<\/span>\n<\/div>\n<\/div>\n<div style=\"margin-top:20px;text-align:center\">\n<a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#0d1f2d;padding:12px 28px;border-radius:8px;text-decoration:none;font-weight:700;font-size:.95rem\">Compare prices now<\/a>\n<\/div>\n<\/div>\n<\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;border-radius:12px;padding:24px;margin:24px 0\">\n<strong style=\"color:#dc2626;font-size:1.05rem\">\u26a0\ufe0f Be careful \u2014 without RC, you pay out of pocket<\/strong>\n<p style=\"color:#7f1d1d;font-size:.95rem;margin:10px 0 0;line-height:1.6\">In Quebec, if you are found liable for damages without adequate liability coverage, you must <strong>personally<\/strong> pay all costs: repairs, medical expenses, legal fees and damages. A single lawsuit can easily exceed $500,000. For a few dozen dollars a year, civil liability protects you against financial ruin.  <\/p>\n<\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Liability-insurance-according-to-your-profile-%E2%80%94-Individual-tenant-owner-professional\"><\/span>Liability insurance according to your profile \u2014 Individual, tenant, owner, professional<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;\">Civil liability takes many forms depending on your situation. Here are the main variations and what they are used for in Quebec in 2026 \u2014 useful to know which coverage to check when taking out. <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:20px;margin:28px 0;\">\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:10px;padding:22px;\">\n    <div style=\"color:#10c4c7;font-size:12px;text-transform:uppercase;letter-spacing:2px;font-weight:700;margin-bottom:8px;\">PRIVATE<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:17px;font-weight:700;margin:0 0 8px;\">Privacy liability<\/h3>\n    <p style=\"color:#64748b;font-size:14px;line-height:1.6;margin:0;\">Covers bodily injury and property damage that you, your spouse or your children cause to others in the context of your private life (sports, leisure, pet). Usually included in your home, homeowner or tenant policy. <\/p>\n  <\/div>\n  <div style=\"background:#f0fdfa;border:2px solid #10c4c7;border-radius:10px;padding:22px;\">\n    <div style=\"color:#10c4c7;font-size:12px;text-transform:uppercase;letter-spacing:2px;font-weight:700;margin-bottom:8px;\">TENANT<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:17px;font-weight:700;margin:0 0 8px;\">Tenant&#8217;s liability<\/h3>\n    <p style=\"color:#64748b;font-size:14px;line-height:1.6;margin:0;\">Protects against recourse by <strong>the landlord<\/strong> (fire caused to the unit) and <strong>neighbours<\/strong> (water damage coming down a floor). Almost always required in the lease. Ceiling $1 million or $2 million recommended.  <\/p>\n    <a href=\"https:\/\/www.assur360.ca\/en\/tenants-civil-liability-in-quebec-2026-who-pays-what\/\" style=\"display:inline-block;margin-top:14px;color:#10c4c7;font-weight:700;text-decoration:none;font-size:14px;\">See the dedicated page for tenant liability \u2192<\/a>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:10px;padding:22px;\">\n    <div style=\"color:#10c4c7;font-size:12px;text-transform:uppercase;letter-spacing:2px;font-weight:700;margin-bottom:8px;\">OWNER<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:17px;font-weight:700;margin:0 0 8px;\">Owner-occupier&#8217;s liability<\/h3>\n    <p style=\"color:#64748b;font-size:14px;line-height:1.6;margin:0;\">Covers injuries to a visitor on your property (icy stoop, broken step), damage caused to a neighbour by your tree or pool. Included in your home insurance. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:10px;padding:22px;\">\n    <div style=\"color:#10c4c7;font-size:12px;text-transform:uppercase;letter-spacing:2px;font-weight:700;margin-bottom:8px;\">OWNER-LESSOR<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:17px;font-weight:700;margin:0 0 8px;\">Landlord&#8217;s RCA (income property)<\/h3>\n    <p style=\"color:#64748b;font-size:14px;line-height:1.6;margin:0;\">If you rent a plex or an apartment: recourse by an injured tenant on the property (fall down the stairs, poorly maintained defect). Specific to home income property policies. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:10px;padding:22px;\">\n    <div style=\"color:#10c4c7;font-size:12px;text-transform:uppercase;letter-spacing:2px;font-weight:700;margin-bottom:8px;\">PROFESSIONAL<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:17px;font-weight:700;margin:0 0 8px;\">Professional liability (errors and omissions)<\/h3>\n    <p style=\"color:#64748b;font-size:14px;line-height:1.6;margin:0;\">Reserved for professionals (consultants, accountants, lawyers, engineers, brokers): covers errors, negligence, bad advice that cause financial damage to a client.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:10px;padding:22px;\">\n    <div style=\"color:#10c4c7;font-size:12px;text-transform:uppercase;letter-spacing:2px;font-weight:700;margin-bottom:8px;\">COMPANY<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:17px;font-weight:700;margin:0 0 8px;\">Commercial Liability (CGL)<\/h3>\n    <p style=\"color:#64748b;font-size:14px;line-height:1.6;margin:0;\">General operating liability: injuries to a customer in a store, material damage caused by your activity, product-completed liability. Part of a commercial policy. <\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:14px;padding:28px;margin:32px 0;\">\n  <div style=\"color:#10c4c7;font-size:12px;text-transform:uppercase;letter-spacing:2px;font-weight:700;margin-bottom:10px;\">BROKER ADVICE<\/div>\n  <p style=\"color:#ffffff;font-size:16px;line-height:1.65;margin:0;\">Are you a <strong>tenant<\/strong> ? Your RC is one of the most important coverages in your policy \u2014 much more than the value of your belongings. A single water damage that floods the floor below can exceed $50,000 in claims. For an additional $5 to $10 per month, upgrade to <strong>$2 million in RC.<\/strong> <a href=\"https:\/\/www.assur360.ca\/en\/tenants-civil-liability-in-quebec-2026-who-pays-what\/\" style=\"color:#10c4c7;text-decoration:underline;\">See the complete RC tenant page \u2192<\/a>   <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Civil-liability-insurance-by-region-in-Quebec\"><\/span>Civil liability insurance by region in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><!-- \/wp:post-content --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Whether you&#8217;re in <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Longueuil<\/strong>, <strong>Gatineau<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong>, <strong>Drummondville<\/strong> or <strong>Rimouski<\/strong>, the brokers of our partner firms certified by the <a href=\"https:\/\/lautorite.qc.ca\" target=\"_blank\" rel=\"nofollow noopener\">Autorit\u00e9 des march\u00e9s financiers (AMF)<\/a> find the right liability coverage for your needs. Some professional orders, such as the <a href=\"https:\/\/chambreassurance.ca\/\" target=\"_blank\" rel=\"nofollow noopener\">Chambre de l&#8217;assurance<\/a>, require a minimum liability coverage to practice. <\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:spacer {\"height\":\"20px\"} --><\/p>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<p><!-- \/wp:spacer --><\/p>\n<p><!-- wp:html --><\/p>\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:48px 40px;border-radius:16px;margin:30px 0;text-align:center\">\n<h2 style=\"color:#ffffff;font-size:1.6rem;margin:0 0 12px;font-weight:700\"><span class=\"ez-toc-section\" id=\"Get-your-free-RC-quote\"><\/span>Get your free RC quote<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"color:#b0c4d8;font-size:1.05rem;margin:0 0 24px\">The brokers of our partner firms compare the offers of 15+ insurers to find you the best coverage at the best price.<\/p>\n<div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap\">\n<a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#0d1f2d;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:1.05rem\">Private<\/a><br \/>\n Submission<a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:1.05rem;border:2px solid #ffffff\">Company Quote<\/a>\n<\/div>\n<\/div>\n<p><!-- \/wp:html --><\/p>\n<p><!-- wp:spacer {\"height\":\"20px\"} --><\/p>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<p><!-- \/wp:spacer --><\/p>\n<p><!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-%E2%80%94-Third-Party-Liability-Insurance\"><\/span>Frequently Asked Questions \u2014 Third Party Liability Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:html --><\/p>\n<div style=\"margin:24px 0\">\n<details style=\"border:1px solid #e2e8f0;border-radius:10px;margin-bottom:12px\">\n<summary style=\"padding:16px 20px;cursor:pointer;font-weight:700;color:#0d1f2d;background:#f8fafc;border-radius:10px\">Who needs liability insurance?<\/summary>\n<div style=\"padding:16px 20px;color:#475569;line-height:1.6\">Anyone can benefit from liability insurance, but it&#8217;s especially important for homeowners, renters, car drivers, and business owners. In Quebec, liability insurance is generally included in both home and auto policies, but it&#8217;s a good idea to check your coverage limits. <\/div>\n<\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:10px;margin-bottom:12px\">\n<summary style=\"padding:16px 20px;cursor:pointer;font-weight:700;color:#0d1f2d;background:#f8fafc;border-radius:10px\">Is civil liability insurance mandatory in Quebec?<\/summary>\n<div style=\"padding:16px 20px;color:#475569;line-height:1.6\">In automobile insurance, liability insurance is mandatory in Quebec with a minimum of $50,000 (most insurers offer $1,000,000 by default). For businesses, although not always legally mandatory, some professional orders and contracts require it. Consult the <a href=\"https:\/\/chambreassurance.ca\/\" target=\"_blank\" rel=\"nofollow noopener\">Insurance Board<\/a> for obligations in your sector.  <\/div>\n<\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:10px;margin-bottom:12px\">\n<summary style=\"padding:16px 20px;cursor:pointer;font-weight:700;color:#0d1f2d;background:#f8fafc;border-radius:10px\">What is the difference between general liability and professional liability?<\/summary>\n<div style=\"padding:16px 20px;color:#475569;line-height:1.6\">General liability insurance covers bodily injury and property damage caused to third parties (e.g., a customer slips in your business). <a href=\"\/entreprise\/assurance-responsabilite-professionnelle\/\">Professional liability<\/a> (errors and omissions) specifically covers damages resulting from an error, omission, or negligence in the provision of professional services. <\/div>\n<\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:10px;margin-bottom:12px\">\n<summary style=\"padding:16px 20px;cursor:pointer;font-weight:700;color:#0d1f2d;background:#f8fafc;border-radius:10px\">How much liability coverage is recommended?<\/summary>\n<div style=\"padding:16px 20px;color:#475569;line-height:1.6\">For individuals, coverage of <strong>$2,000,000<\/strong> is recommended (the additional cost is minimal compared to $1 million). For companies, the amount depends on the industry, the number of employees and the turnover. An <a href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/my-insurance-broker-2\/\">Assur360 broker<\/a> can assess your specific needs free of charge.  <\/div>\n<\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:10px;margin-bottom:12px\">\n<summary style=\"padding:16px 20px;cursor:pointer;font-weight:700;color:#0d1f2d;background:#f8fafc;border-radius:10px\">Is civil liability included in my home insurance?<\/summary>\n<div style=\"padding:16px 20px;color:#475569;line-height:1.6\">Yes, most <a href=\"https:\/\/www.assur360.ca\/en\/2026-home-insurance-guide-in-quebec\/\">home insurance<\/a> policies in Quebec include basic liability coverage (usually $1,000,000 or $2,000,000). This coverage protects you if someone gets hurt in your home or if you cause damage to someone else&#8217;s property. Check your policy or contact your broker to find out your limits.  <\/div>\n<\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:10px;margin-bottom:12px\">\n<summary style=\"padding:16px 20px;cursor:pointer;font-weight:700;color:#0d1f2d;background:#f8fafc;border-radius:10px\">How can I reduce my commercial liability insurance premium?<\/summary>\n<div style=\"padding:16px 20px;color:#475569;line-height:1.6\">Group your policies (liability + property + auto) with the same insurer, maintain a good claims history, set up documented risk prevention policies and compare the offers of several insurers via a <a href=\"https:\/\/www.assur360.ca\/en\/insurance-broker-get-a-quick-quote\/business-insurance-broker-get-a-quote\/\">broker from our partner firms<\/a> such as Assur360.<\/div>\n<\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:10px;margin-bottom:12px\">\n<summary style=\"padding:16px 20px;cursor:pointer;font-weight:700;color:#0d1f2d;background:#f8fafc;border-radius:10px\">What exactly does motor liability cover in Quebec?<\/summary>\n<div style=\"padding:16px 20px;color:#475569;line-height:1.6\">Auto liability insurance in Quebec covers property damage caused to third parties (vehicles, fences, buildings) and bodily injury outside Quebec. In Quebec itself, bodily injuries are covered by the <strong>SAAQ (no-fault<\/strong> plan). The minimum coverage is $50,000, but <strong>$1,000,000 or $2,000,000<\/strong> is highly recommended, especially if you&#8217;re driving in the United States.  <\/div>\n<\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:10px;margin-bottom:12px\">\n<summary style=\"padding:16px 20px;cursor:pointer;font-weight:700;color:#0d1f2d;background:#f8fafc;border-radius:10px\">Does civil liability cover damage caused by my children?<\/summary>\n<div style=\"padding:16px 20px;color:#475569;line-height:1.6\">Yes, the civil liability included in your home insurance generally covers damage caused by your <strong>minor children<\/strong> to third parties. If your child breaks the neighbour&#8217;s window or injures a friend, your RC covers the costs. Check the limits of your policy to make sure they are sufficient.  <\/div>\n<\/details>\n<\/div>\n<p><!-- \/wp:html --><\/p>\n<p><!-- wp:html --><br \/>\n<script type=\"application\/ld+json\">\n{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Qui a besoin d'une assurance responsabilit\u00e9 civile?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Tout le monde peut b\u00e9n\u00e9ficier d'une assurance responsabilit\u00e9 civile, mais elle est particuli\u00e8rement importante pour les propri\u00e9taires de maison, les locataires, les conducteurs automobiles et les propri\u00e9taires d'entreprise.\"}},{\"@type\":\"Question\",\"name\":\"L'assurance responsabilit\u00e9 civile est-elle obligatoire au Qu\u00e9bec?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"En assurance automobile, la RC est obligatoire avec un minimum de 50 000 $. Pour les entreprises, certains ordres professionnels et contrats l'exigent.\"}},{\"@type\":\"Question\",\"name\":\"Quelle est la diff\u00e9rence entre la RC g\u00e9n\u00e9rale et la RC professionnelle?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La RC g\u00e9n\u00e9rale couvre les dommages corporels et mat\u00e9riels caus\u00e9s \u00e0 des tiers. La RC professionnelle couvre les erreurs et omissions dans les services professionnels.\"}},{\"@type\":\"Question\",\"name\":\"Quel montant de couverture RC est recommand\u00e9?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Pour les particuliers, 2 000 000 $ est recommand\u00e9. Pour les entreprises, le montant d\u00e9pend du secteur, du nombre d'employ\u00e9s et du chiffre d'affaires.\"}},{\"@type\":\"Question\",\"name\":\"La RC est-elle incluse dans mon assurance habitation?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, la plupart des polices d'assurance habitation au Qu\u00e9bec incluent une couverture RC de base de 1 000 000 $ ou 2 000 000 $.\"}},{\"@type\":\"Question\",\"name\":\"Comment r\u00e9duire ma prime d'assurance RC entreprise?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Regroupez vos polices, maintenez un bon historique de r\u00e9clamations, mettez en place des politiques de pr\u00e9vention et comparez via un courtier de nos cabinets partenaires.\"}},{\"@type\":\"Question\",\"name\":\"Que couvre exactement la RC automobile au Qu\u00e9bec?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La RC auto couvre les dommages mat\u00e9riels caus\u00e9s \u00e0 des tiers et les blessures corporelles hors Qu\u00e9bec. Au Qu\u00e9bec, les blessures sont couvertes par la SAAQ.\"}},{\"@type\":\"Question\",\"name\":\"La RC couvre-t-elle les dommages caus\u00e9s par mes enfants?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, la RC incluse dans votre assurance habitation couvre g\u00e9n\u00e9ralement les dommages caus\u00e9s par vos enfants mineurs \u00e0 des tiers.\"}}]}\n<\/script><br \/>\n<!-- \/wp:html --><\/p>\n<p><!-- wp:spacer {\"height\":\"20px\"} --><\/p>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<p><!-- \/wp:spacer --><\/p>\n<p><!-- wp:html --><\/p>\n<div style=\"background:#f0fdfa;border-radius:12px;padding:32px;margin:24px 0\">\n<h3 style=\"color:#0d1f2d;margin:0 0 16px;font-size:1.2rem\">Why trust Assur360?<\/h3>\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:16px\">\n<div style=\"display:flex;align-items:center;gap:10px\">\n<span style=\"color:#10c4c7;font-size:1.3rem\"><\/span><br \/>\n\u2713<span style=\"color:#334155;font-size:.95rem\"><strong>AMF Certified<\/strong> \u2014 <a href=\"https:\/\/lautorite.qc.ca\" target=\"_blank\" rel=\"nofollow noopener\">Autorit\u00e9 des march\u00e9s financiers<\/a><\/span>\n<\/div>\n<div style=\"display:flex;align-items:center;gap:10px\">\n<span style=\"color:#10c4c7;font-size:1.3rem\"><\/span><br \/>\n \u2713 <span style=\"color:#334155;font-size:.95rem\"><strong>Member Insurance Chamber<\/strong> \u2014 <a href=\"https:\/\/chambreassurance.ca\/\" target=\"_blank\" rel=\"nofollow noopener\">Insurance Chamber<\/a><\/span>\n<\/div>\n<div style=\"display:flex;align-items:center;gap:10px\">\n<span style=\"color:#10c4c7;font-size:1.3rem\"><\/span><br \/>\n\u2713<span style=\"color:#334155;font-size:.95rem\"><strong>100,000+<\/strong> insured customers in Quebec<\/span>\n<\/div>\n<\/div>\n<\/div>\n<p><!-- \/wp:html --><\/p>\n<p><!-- wp:spacer {\"height\":\"20px\"} --><\/p>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<p><!-- \/wp:spacer --><\/p>\n<p><!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-Articles-and-Resources\"><\/span>Related Articles and Resources<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:html --><\/p>\n<div style=\"display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:24px 0\">\n<a href=\"https:\/\/www.assur360.ca\/en\/property-and-casualty-insurance-3\/\" style=\"display:block;padding:20px 24px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;text-decoration:none\"><br \/>\n<strong style=\"color:#0d1f2d;font-size:1rem\">Property and casualty insurance in Quebec \u2192<\/strong>\n<p style=\"color:#64748b;font-size:.85rem;margin:6px 0 0\">Complete guide to property and casualty insurance for individuals and businesses.<\/p>\n<\/a><br \/>\n<a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\" style=\"display:block;padding:20px 24px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;text-decoration:none\"><br \/>\n<strong style=\"color:#0d1f2d;font-size:1rem\">Business Insurance \u2192<\/strong>\n<p style=\"color:#64748b;font-size:.85rem;margin:6px 0 0\">All commercial insurance solutions in Quebec.<\/p>\n<\/a><br \/>\n<a href=\"\/entreprise\/assurance-responsabilite-professionnelle\/\" style=\"display:block;padding:20px 24px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;text-decoration:none\"><br \/>\n<strong style=\"color:#0d1f2d;font-size:1rem\">Professional liability insurance \u2192<\/strong>\n<p style=\"color:#64748b;font-size:.85rem;margin:6px 0 0\">Errors and omissions \u2014 protection for professionals.<\/p>\n<\/a><br \/>\n<a href=\"https:\/\/www.assur360.ca\/en\/insurance-broker-get-a-quick-quote\/business-insurance-broker-get-a-quote\/\" style=\"display:block;padding:20px 24px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;text-decoration:none\"><br \/>\n<strong style=\"color:#0d1f2d;font-size:1rem\">Business insurance broker \u2192<\/strong>\n<p style=\"color:#64748b;font-size:.85rem;margin:6px 0 0\">Find the right broker for your trade coverage.<\/p>\n<\/a>\n<\/div>\n<p><!-- \/wp:html --><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Protect yourself against the unexpected Civil liability insurance in Quebec Civil liability insurance is your financial shield. It covers property damage, bodily [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":26931,"parent":15739,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Quebec Civil Liability Insurance 2026 | Assur360","_seopress_titles_desc":"Compare liability insurance prices in Quebec. General, professional, corporate liability via AMF partner firms. Submission 2 min.","_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":"Liability 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":"Liability 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":"both","_seopress_redirections_param":"","_seopress_redirections_type":301,"_seopress_analysis_target_kw":"Liability 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