{"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":"2026-05-22T00:41:33","modified_gmt":"2026-05-22T04:41:33","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\":\"InsuranceAgency\",\"name\":\"Assur360 \u2014 Assurance responsabilit\u00e9 civile\",\"url\":\"https:\/\/www.assur360.ca\/assurance-de-dommages\/responsabilite-civile\/\",\"logo\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/01\/assur360-logo.png\",\"description\":\"Assurance responsabilit\u00e9 civile au Qu\u00e9bec pour particuliers et entreprises. Courtiers certifi\u00e9s AMF. Soumission gratuite.\",\"telephone\":\"+1-833-472-7778\",\"address\":{\"@type\":\"PostalAddress\",\"streetAddress\":\"110 rue Notre-Dame Est\",\"addressLocality\":\"Thetford Mines\",\"addressRegion\":\"QC\",\"postalCode\":\"G6G 2J8\",\"addressCountry\":\"CA\"},\"areaServed\":{\"@type\":\"State\",\"name\":\"Qu\u00e9bec\"},\"hasCredential\":{\"@type\":\"EducationalOccupationalCredential\",\"credentialCategory\":\"Permis de cabinet en assurance de dommages\",\"recognizedBy\":{\"@type\":\"Organization\",\"name\":\"Autorit\u00e9 des march\u00e9s financiers\",\"url\":\"https:\/\/lautorite.qc.ca\"}},\"serviceType\":[\"Assurance responsabilit\u00e9 civile\",\"Assurance responsabilit\u00e9 civile entreprise\",\"Assurance responsabilit\u00e9 civile professionnelle\"]}\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 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\">Third-party liability insurance is your financial shield. It covers property damage, bodily injury and harm you may cause to third parties \u2014 whether you&#8217;re an individual or a business. Our AMF-certified brokers 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=\"https:\/\/www.assur360.ca\/en\/enterprise\/professional-liability-insurance-2\/\" 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=\"Civil-liability-insurance-by-region-in-Quebec\"><\/span>Civil liability insurance by region in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Whether you are 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>, our brokers 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 <a href=\"https:\/\/www.chad.ca\/\" target=\"_blank\" rel=\"nofollow noopener\">the Chambre de l&#8217;assurance de dommages (ChAD),<\/a> require a minimum liability coverage to practice. <\/p>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\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\">Our brokers compare offers from 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>\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\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=\"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\n<div style=\"margin:24px 0\">\n\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\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 auto insurance, liability insurance is mandatory in Quebec with a minimum of $50,000 (most insurers offer $1,000,000 by default). For companies, although not always legally mandatory, some professional orders and contracts require it. Consult the <a href=\"https:\/\/www.chad.ca\/\" target=\"_blank\" rel=\"nofollow noopener\">Chambre de l&#8217;assurance de dommages (ChAD)<\/a> for obligations in your sector.  <\/div>\n<\/details>\n\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=\"https:\/\/www.assur360.ca\/en\/enterprise\/professional-liability-insurance-2\/\">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\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\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\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\">Bundle 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 an <a href=\"https:\/\/www.assur360.ca\/en\/insurance-broker-get-a-quick-quote\/business-insurance-broker-get-a-quote\/\">independent broker<\/a> like Assur360.<\/div>\n<\/details>\n\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\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\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@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 ind\u00e9pendant.\"}},{\"@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>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\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>\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>\n\u2713<span style=\"color:#334155;font-size:.95rem\"><strong>ChAD Member<\/strong> \u2014 <a href=\"https:\/\/www.chad.ca\/\" target=\"_blank\" rel=\"nofollow noopener\">Chambre de l&#8217;assurance de dommages<\/a><\/span>\n<\/div>\n<div style=\"display:flex;align-items:center;gap:10px\">\n<span style=\"color:#10c4c7;font-size:1.3rem\"><\/span>\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\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=\"Related-Articles-and-Resources\"><\/span>Related Articles and Resources<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\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\">\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>\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\">\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>\n<a href=\"https:\/\/www.assur360.ca\/en\/enterprise\/professional-liability-insurance-2\/\" style=\"display:block;padding:20px 24px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;text-decoration:none\">\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>\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\">\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","protected":false},"excerpt":{"rendered":"<p>Protect yourself against the unexpected Civil liability insurance in Quebec Third-party 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 \u2014 Personal and Commercial | 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.  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