{"id":16246,"date":"2021-03-23T18:11:30","date_gmt":"2021-03-23T22:11:30","guid":{"rendered":"https:\/\/www.assur360.ca\/information-technology-insurance-2\/"},"modified":"2026-04-20T15:15:14","modified_gmt":"2026-04-20T19:15:14","slug":"information-technology-insurance-2","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/information-technology-insurance-2\/","title":{"rendered":"Information Technology Insurance: Quick Quote"},"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 technologies de l\u2019information\",\"description\":\"Comparez les meilleures offres d'assurance TI au Qu\u00e9bec : responsabilit\u00e9 professionnelle, cyber-risques, D&O. Courtiers certifi\u00e9s AMF, soumission gratuite en 2 minutes.\",\"url\":\"https:\/\/www.assur360.ca\/assurance-technologies-de-linformation\/\",\"telephone\":\"1-866-357-4451\",\"areaServed\":{\"@type\":\"Place\",\"name\":\"Qu\u00e9bec, Canada\"}}\n<\/script>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:60px 24px;text-align:center;border-radius:0 0 16px 16px;margin-bottom:40px;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 16px;\">QUICK QUOTE<\/p>\n  <h2 style=\"color:#ffffff;font-size:32px;font-weight:800;margin:0 0 20px;line-height:1.3;\"><span class=\"ez-toc-section\" id=\"IT-Business-Insurance-%E2%80%93-Protect-Your-Digital-Assets\"><\/span>IT Business Insurance \u2013 Protect Your Digital Assets<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 auto 32px;max-width:700px;line-height:1.6;\">In an ever-changing digital world, IT companies face unique risks: <strong>cyberattacks, professional errors, service interruptions, contract disputes<\/strong>&#8230; Protect your growth with <strong>customized insurance for the IT industry<\/strong>.<\/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:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;\">Get my free<\/a>\n quote<a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;border:2px solid #ffffff;\">1-866-357-4451<\/a>    \n  <\/div>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:16px;max-width:1200px;margin:0 auto 40px;padding:0 24px;\">\n  <div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">3 Strands<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">RC, E&#038;O, D&#038;O<\/div>\n  <\/div>\n  <div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">$1M to $5M<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Usual limits<\/div>\n  <\/div>\n  <div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">2 min<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Quick Quote<\/div>\n  <\/div>\n  <div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">AMF<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Certified brokers<\/div>\n  <\/div>\n<\/div>\n\n<div style=\"display:flex;gap:32px;align-items:center;max-width:1200px;margin:32px auto;padding:32px;background:#ffffff;border:1px solid #e2e8f0;border-radius:16px;box-shadow:0 4px 24px rgba(13,31,45,0.08);flex-wrap:wrap;\">\n  <div style=\"flex:1 1 280px;min-width:260px;max-width:380px;\">\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-technologies-information.jpg\" alt=\"Information Technology Insurance in Quebec\" style=\"width:100%;height:auto;border-radius:12px;display:block;\" loading=\"lazy\"\/>\n  <\/div>\n  <div style=\"flex:2 1 360px;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;\"><span class=\"ez-toc-section\" id=\"Information-technology-can-also-be-provided\"><\/span>Information technology can also be provided<span class=\"ez-toc-section-end\"><\/span><\/h2>\n      <p style=\"color:#334155;font-size:16px;line-height:1.7;margin:0 0 16px;\">If you need to have a guarantee for the company&#8217;s assets, subscribing to information technology insurance or IT insurance is the solution. Insurance companies are well positioned to answer any questions about the terms and conditions of IT insurance coverage. <\/p>\n      <p style=\"color:#334155;font-size:16px;line-height:1.7;margin:0 0 0;\">The days of insurance that do not cover the web sector due to a lack of adequate offers are now over. In today&#8217;s world, insurance companies now offer insurance policies tailored to the expectations of IT professionals. It is therefore possible to take out insurance for goods of a technological nature.  <\/p>\n  <\/div>\n<\/div>\n\n<p>For example, there is property coverage, which includes all the equipment in the company&#8217;s or a professional&#8217;s assets. The insurance policy also includes civil liability. This second point includes attacks on physical integrity for which the company is responsible. That is to say, accidents that have injured other people. Thirdly, there is error and omission insurance. This includes intellectual property infringements, hacking and other types of criminal acts.     <\/p>\n\n<p>In addition, small businesses can also purchase information technology insurance. We can think that only the big brands can afford this type of insurance coverage. However, insurance services are now offering offers that are extended to all purchasing powers.  <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"A-non-exhaustive-list-of-points-that-IT-insurance-covers\"><\/span>A non-exhaustive list of points that IT insurance covers<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<h3 class=\"wp-block-heading\">Civil liability<\/h3>\n\n<ul class=\"wp-block-list\">\n<li>This point is part of the basic offers offered by insurance companies, whether for the information technology sector or for other sectors. As a reminder, civil liability is mobilized for any damage caused to others or to materials by the policyholder. To be prepared for all eventualities, it is advisable to determine in advance the limits of what insurers call the real risk. This is essential to protect a company from the consequences of a claim or a lawsuit if necessary.   <\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\">Executive risks<\/h3>\n\n<ul class=\"wp-block-list\">\n<li>Executive risks are guarantees that the managers of a company have in the event of mismanagement, for which they are responsible. In the event of legal proceedings, the insurance policy covers the expenses incurred. Executive risks are rather addressed to the members of the board of directors within a company or to the executive head himself. In insurer jargon, executive risks are also known as \u201cD&amp;O\u201d.   <\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\">Professional Liability<\/h3>\n\n<ul class=\"wp-block-list\">\n<li>Also known as errors and omissions insurance, professional liability covers errors that fall within the scope of professional competence. This may be due to biased advice that has resulted in financial losses for a client. The reason can also be an omission or simply a design error of a particular product or service, such as a programming error. For all these types of professional errors, the insurance policy covers the costs of any legal proceedings. As with executive risks, professional liability is an insurance coverage that corresponds to the needs of a company manager while being adapted for staff further down the hierarchy.    <\/li>\n<\/ul>\n\n<p><em>*Text for illustrative purposes only, refer to a broker.<\/em><\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);border:2px solid #10c4c7;border-radius:12px;padding:32px;margin:40px auto;max-width:1200px;color:#ffffff;\">\n  <h3 style=\"color:#10c4c7;font-size:1.3rem;margin:0 0 16px;\">\ud83d\udca1 Broker&#8217;s advice<\/h3>\n  <p style=\"color:#e2e8f0;font-size:1rem;line-height:1.7;margin:0;\">IT companies often have <strong>three separate policies<\/strong> : commercial general liability (RC), errors and omissions (E&#038;O\/professional liability) and cyber risks. As of 2023, insurers require <strong>minimal cybersecurity measures<\/strong> (MFA, offsite backups, EDRs) to offer cyber coverage. Have your posture validated with an Assur360 broker before bidding.  <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\" id=\"faq\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-%E2%80%94-IT-Insurance\"><\/span>Frequently Asked Questions \u2014 IT Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"max-width:1200px;margin:0 auto 40px;\">\n  <details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">What is information technology insurance?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">IT insurance includes several types of protection designed for companies in the technology sector: software publishers, consultants, SaaS, integrators, web agencies, MSPs, hosting providers. It typically combines <strong>commercial general liability<\/strong>, <strong>professional liability (errors and omissions),<\/strong> <strong>cyber coverage<\/strong> , and, for incorporated companies, <strong>directors and officers (D&#038;O) insurance<\/strong>. <\/div>\n  <\/details>\n  <details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">What is the difference between RC, E&#038;O, and cyber?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\"><strong>Commercial liability<\/strong> covers bodily injury or property damage caused to others (a customer slips at your desk). <strong>Errors and omissions (E&#038;O)<\/strong> cover financial losses caused by malpractice (bug, bad advice, non-compliant deliverables). <strong>Cyber<\/strong> covers computer incidents: ransomware, data leaks, notification costs, interruptions. The three are complementary, and a broker can combine them into a single policy.   <\/div>\n  <\/details>\n  <details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">How much does IT insurance cost for an SME in Quebec?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">The price depends on the turnover, the number of employees, the services offered, the clientele (public vs. private) and the limits chosen. For an IT SME with fewer than 10 employees and a turnover of less than $1 million, you generally have to plan between <strong>$1,500 and $4,500 per year<\/strong> for a combination of RC + E&#038;O + cyber with limits of $1 million to $2 million. Request a free quote for a specific price.  <\/div>\n  <\/details>\n  <details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">My customers require proof of insurance \u2014 what should I do?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">More and more contractors (large companies, public bodies) require <strong>minimum limits<\/strong> in their contracts (often $2 million in RC and $2 million in E&#038;O) as well as an <strong>&#8220;additional insured&#8221; endorsement<\/strong>. Your Assur360 broker issues a certificate of insurance on request in the <strong>client&#8217;s<\/strong> name within 24-48 hours, at no additional cost. <\/div>\n  <\/details>\n  <details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">My company is self-employed\/freelance. Do I need IT insurance? <\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes \u2014 especially for <strong>professional liability (E&#038;O).<\/strong> A single bug charged to a customer can result in a lawsuit far exceeding your annual revenue. Many freelancers work through contracts that already require coverage. There are products specifically for self-employed workers with limits starting at $500,000, accessible from <strong>$35 to $75\/month<\/strong>.   <\/div>\n  <\/details>\n  <details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Does Bill 25 impact my IT insurance?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes. Since September 2023, Bill 25 (modernization of the protection of personal information) has imposed <strong>strict obligations<\/strong> on companies that process personal data in Quebec: notification of incidents, protection officer, registry, privacy impact assessment. <strong>Cyber insurance<\/strong> covers the costs of investigations, notifications and <strong>administrative fines<\/strong> (up to $25 million or 4% of global turnover) within the limits provided. It has become almost unavoidable for Quebec IT companies.  <\/div>\n  <\/details>\n  <details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">What cybersecurity measures do insurers require?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Since 2023, cyber insurers have been refusing or increasing the price of files without minimum hygiene. The <strong>usual prerequisites: multi-factor<\/strong> authentication (MFA) on all admin and VPN accounts, offline or immutable backups tested, antivirus\/EDR on all workstations, patches applied, anti-phishing training, incident response plan. A broker helps you complete the <strong>cyber questionnaire<\/strong> (often 40 to 100 questions) and structure your file.  <\/div>\n  <\/details>\n  <details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">What to do in the event of a disaster (bug, data leak, ransomware)?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Three reflexes: <strong>(1) contact your broker or the insurer&#8217;s hotline immediately<\/strong> \u2014 most cyber policies include a <strong>24\/7 response team<\/strong> (cybersecurity experts, lawyers, PRs). <strong>(2) Do not pay a ransom<\/strong> until the insurer authorizes. <strong>(3) Keep all evidence<\/strong> (logs, emails, contracts). Assur360 supports you in the compensation process and in communication with the insurer. <\/div>\n  <\/details>\n  <details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Can I combine my IT insurance with other coverages?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, many insurers offer <strong>packages for IT companies<\/strong> that combine property (equipment, servers), business interruption, LIABILITY, E&#038;O, cyber and, optionally, D&#038;O. Bundling coverage with the same insurer often reduces the overall premium by 10% to 20%. Your broker compares several insurers to identify the best combination.  <\/div>\n  <\/details>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"IT-Insurance-Anywhere-in-Quebec\"><\/span>IT Insurance Anywhere in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"background:#f8fafc;border-radius:12px;padding:28px;margin:24px auto 40px;max-width:1200px;\">\n  <p style=\"color:#334155;font-size:1rem;line-height:1.7;margin:0 0 12px;\">Assur360 supports IT companies in all regions of Quebec: <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Longueuil<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong> and <strong>Saguenay<\/strong>. Whether you&#8217;re a SaaS publisher in Montreal, an MSP in Quebec City or a web agency in Sherbrooke, our AMF-certified brokers know the realities of your market. <\/p>\n  <p style=\"color:#334155;font-size:1rem;line-height:1.7;margin:0;\">100% online quote, free of charge, with comparison of several Canadian insurers specializing in the technology sector.<\/p>\n<\/div>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div style=\"background:#f0fdfa;border:2px solid #10c4c7;border-radius:12px;padding:30px;margin:40px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:1.15rem;margin:0 0 16px;\">\ud83d\udee1 Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:16px;\">\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">AMF<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Certified brokers<\/div>\n    <\/div>\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">ChAD<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Insurance Chamber<\/div>\n    <\/div>\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">100K+<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Submissions processed<\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:48px 24px;text-align:center;max-width:1200px;margin:0 auto;border-radius:16px;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 12px;\">COMPARE AND SAVE<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;font-weight:800;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Compare-and-save-on-your-insurance\"><\/span>Compare and save on your insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 0 28px;\">Our AMF-certified brokers compare several insurers to find you the best coverage.<\/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:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;\">Get my free<\/a>\n quote<a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;border:2px solid #ffffff;\">1-866-357-4451<\/a>    \n  <\/div>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Qu'est-ce qu'une assurance technologies de l'information ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"L'assurance TI regroupe plusieurs protections con\u00e7ues pour les entreprises du secteur technologique : \u00e9diteurs de logiciels, consultants, SaaS, int\u00e9grateurs, agences web, MSP, h\u00e9bergeurs. Elle combine la responsabilit\u00e9 civile commerciale, la responsabilit\u00e9 professionnelle (E&O), la couverture cyber et l'assurance des administrateurs et dirigeants (D&O).\"}},{\"@type\":\"Question\",\"name\":\"Quelle est la diff\u00e9rence entre RC, E&O et cyber ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La RC commerciale couvre les dommages corporels ou mat\u00e9riels caus\u00e9s \u00e0 autrui. Les erreurs & omissions couvrent les pertes financi\u00e8res caus\u00e9es par une faute professionnelle. La cyber couvre les incidents informatiques : ran\u00e7ongiciel, fuite de donn\u00e9es, frais de notification, interruption. Les trois sont compl\u00e9mentaires.\"}},{\"@type\":\"Question\",\"name\":\"Combien co\u00fbte une assurance TI pour une PME au Qu\u00e9bec ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Pour une PME TI de moins de 10 employ\u00e9s avec un CA sous 1 M$, pr\u00e9voir entre 1 500 $ et 4 500 $ par ann\u00e9e pour une combinaison RC + E&O + cyber avec des limites de 1 M$ \u00e0 2 M$.\"}},{\"@type\":\"Question\",\"name\":\"Mes clients exigent une preuve d'assurance \u2014 que faire ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Votre courtier Assur360 \u00e9met sur demande une attestation d'assurance au nom du client en 24-48 h, sans frais suppl\u00e9mentaires, avec les limites et avenants exig\u00e9s au contrat.\"}},{\"@type\":\"Question\",\"name\":\"Un travailleur autonome a-t-il besoin d'assurance TI ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, surtout pour la responsabilit\u00e9 professionnelle (E&O). Il existe des produits pour travailleurs autonomes avec des limites \u00e0 partir de 500 000 $, accessibles d\u00e8s 35 $ \u00e0 75 $ par mois.\"}},{\"@type\":\"Question\",\"name\":\"La Loi 25 impacte-t-elle mon assurance TI ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. La Loi 25 impose des obligations strictes aux entreprises traitant des donn\u00e9es personnelles au Qu\u00e9bec. Une assurance cyber couvre les frais d'enqu\u00eate, de notification et les amendes administratives (jusqu'\u00e0 25 M$ ou 4 % du CA mondial) dans les limites pr\u00e9vues.\"}},{\"@type\":\"Question\",\"name\":\"Quelles mesures de cybers\u00e9curit\u00e9 les assureurs exigent-ils ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Pr\u00e9-requis usuels : authentification multifacteur (MFA), sauvegardes hors-ligne test\u00e9es, antivirus\/EDR sur tous les postes, correctifs appliqu\u00e9s, formation anti-hame\u00e7onnage, plan de r\u00e9ponse aux incidents.\"}},{\"@type\":\"Question\",\"name\":\"Que faire en cas de sinistre cyber ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Contactez imm\u00e9diatement votre courtier ou la ligne d'urgence de l'assureur (\u00e9quipe d'intervention 24\/7). Ne payez pas de ran\u00e7on avant autorisation. Conservez toutes les preuves : logs, courriels, contrats.\"}},{\"@type\":\"Question\",\"name\":\"Puis-je combiner l'assurance TI avec d'autres couvertures ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, plusieurs assureurs offrent des packages pour entreprises TI combinant biens, pertes d'exploitation, RC, E&O, cyber et D&O. 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