{"id":19793,"date":"2025-05-04T14:38:12","date_gmt":"2025-05-04T18:38:12","guid":{"rendered":"https:\/\/www.assur360.ca\/business-insurance-3-minute-quote\/grocery-insurance-compare-in-less-than-3-minutes\/"},"modified":"2026-09-02T12:36:20","modified_gmt":"2026-09-02T16:36:20","slug":"grocery-insurance-compare-in-less-than-3-minutes","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/grocery-insurance-compare-in-less-than-3-minutes\/","title":{"rendered":"Assurance \u00c9picerie Qu\u00e9bec \u2014 2026 premium, convenience store, market"},"content":{"rendered":"\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);padding:60px 28px;border-radius:12px;color:#fff;text-align:center;margin-bottom:32px\">\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">sommaire interactif<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #5b5b5b;color:#5b5b5b\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #5b5b5b;color:#5b5b5b\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/grocery-insurance-compare-in-less-than-3-minutes\/#Grocery-insurance-in-Quebec-2026-%E2%80%94-convenience-store-market-RC\" >Grocery insurance in Quebec 2026 \u2014 convenience store, market, RC<\/a><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/grocery-insurance-compare-in-less-than-3-minutes\/#Risks-specific-to-your-grocery-store\" >Risks specific to your grocery store<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/grocery-insurance-compare-in-less-than-3-minutes\/#Essential-Protections-to-Include\" >Essential Protections to Include<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/grocery-insurance-compare-in-less-than-3-minutes\/#Premium-2026-%E2%80%94-indicative-table\" >Premium 2026 \u2014 indicative table<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/grocery-insurance-compare-in-less-than-3-minutes\/#Tips-for-lowering-your-premium\" >Tips for lowering your premium<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/grocery-insurance-compare-in-less-than-3-minutes\/#Frequently-Asked-Questions-%E2%80%94-Grocery-Insurance\" >Frequently Asked Questions \u2014 Grocery Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/grocery-insurance-compare-in-less-than-3-minutes\/#Helpful-Resources\" >Helpful Resources<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/grocery-insurance-compare-in-less-than-3-minutes\/#Ready-to-protect-your-grocery-store\" >Ready to protect your grocery store?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h1 style=\"color:#fff;font-size:2.1em;margin:0 0 16px;font-family:Sora,sans-serif\"><span class=\"ez-toc-section\" id=\"Grocery-insurance-in-Quebec-2026-%E2%80%94-convenience-store-market-RC\"><\/span>Grocery insurance in Quebec 2026 \u2014 convenience store, market, RC<span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p style=\"color:#cbd5e1;font-size:1.15em;max-width:780px;margin:0 auto 24px;line-height:1.6\">Broker from our AMF partner firms \u2014 15+ insurers compared. Affordable premium, coverage tailored to the specific risks of your industry. <\/p>\n<a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#fff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:600;font-size:1.05em\">Free quote in 3 minutes<\/a>\n<div style=\"margin-top:16px;color:#94a3b8\">or call <a href=\"tel:+18663574451\" style=\"color:#10c4c7;font-weight:600\">1-866-357-4451<\/a><\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\">Grocery stores, convenience stores and grocery stores in Quebec face high risks: <strong>armed robbery, loss of food due to breakdown, falling customers, slipping on wet ground<\/strong>. Convenience stores are among the businesses most targeted by thefts in QC \u2014 according to <a href=\"https:\/\/www.securitepublique.gouv.qc.ca\/\" target=\"_blank\" rel=\"noopener\">Quebec Public Security<\/a>. <\/p>\n\n<p class=\"wp-block-paragraph\">A grocery insurance policy includes: building\/contents, robbery, loss of perishable foodstuffs, public liability $2-5 million, mechanical breakdown (refrigeration, ovens), theft of money and business interruption. Typical premium: <strong>$2,600 to $6,200\/year<\/strong>. Assur360 compares 15+ insurers for the best deal.  <\/p>\n\n<div style=\"background:#f8fafc;padding:28px 20px;border-radius:12px;margin:32px 0;display:grid;grid-template-columns:repeat(4,1fr);gap:16px\">\n<div style=\"text-align:center\">\n<div style=\"font-size:2em;font-weight:700;color:#10c4c7;line-height:1\">$2,600+<\/div>\n<div style=\"color:#64748b;font-size:0.9em;margin-top:4px\">premium avg.<\/div>\n<\/div><div style=\"text-align:center\">\n<div style=\"font-size:2em;font-weight:700;color:#10c4c7;line-height:1\">38%<\/div>\n<div style=\"color:#64748b;font-size:0.9em;margin-top:4px\">Theft = Convenience Stores<\/div>\n<\/div><div style=\"text-align:center\">\n<div style=\"font-size:2em;font-weight:700;color:#10c4c7;line-height:1\">24 hrs<\/div>\n<div style=\"color:#64748b;font-size:0.9em;margin-top:4px\">Total loss of foodstuffs<\/div>\n<\/div><div style=\"text-align:center\">\n<div style=\"font-size:2em;font-weight:700;color:#10c4c7;line-height:1\">$5M<\/div>\n<div style=\"color:#64748b;font-size:0.9em;margin-top:4px\">Recommended RC<\/div>\n<\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Risks-specific-to-your-grocery-store\"><\/span>Risks specific to your grocery store<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:20px;margin:24px 0 40px\">\n<div style=\"background:#fff;border-top:4px solid #10c4c7;padding:24px;border-radius:8px;box-shadow:0 2px 8px rgba(0,0,0,0.05)\">\n<h3 style=\"color:#0d1f2d;margin:0 0 12px;font-size:1.15em\">Armed robbery and robbery<\/h3>\n<p style=\"color:#334155;margin:0;line-height:1.6\">Convenience stores open 24\/7 are very targeted. Make sure your policy covers <strong>theft of cash in cash, in safes, and in transit<\/strong> (between commerce and banking). Limits often $1,500-5,000 \u2014 ask for the increase if you handle more.  <\/p>\n<\/div><div style=\"background:#fff;border-top:4px solid #10c4c7;padding:24px;border-radius:8px;box-shadow:0 2px 8px rgba(0,0,0,0.05)\">\n<h3 style=\"color:#0d1f2d;margin:0 0 12px;font-size:1.15em\">Loss of perishable goods<\/h3>\n<p style=\"color:#334155;margin:0;line-height:1.6\">Failure of a freezer or fridge 24 hours = $5,000-20,000 loss. The <strong>Loss of Goods Due to Equipment Failure<\/strong> endorsement is essential \u2014 not included by default. <\/p>\n<\/div><div style=\"background:#fff;border-top:4px solid #10c4c7;padding:24px;border-radius:8px;box-shadow:0 2px 8px rgba(0,0,0,0.05)\">\n<h3 style=\"color:#0d1f2d;margin:0 0 12px;font-size:1.15em\">Falls and slips for customers<\/h3>\n<p style=\"color:#334155;margin:0;line-height:1.6\">Wet floor (entrance in winter), broken shelf, falling object: common RC chase. Minimum <strong>$2 million in public liability<\/strong>, recommended $5 million for a large area. <\/p>\n<\/div><div style=\"background:#fff;border-top:4px solid #10c4c7;padding:24px;border-radius:8px;box-shadow:0 2px 8px rgba(0,0,0,0.05)\">\n<h3 style=\"color:#0d1f2d;margin:0 0 12px;font-size:1.15em\">Sale of alcohol \/ tobacco \/ lottery<\/h3>\n<p style=\"color:#334155;margin:0;line-height:1.6\">Alcohol permits (RACJ) add liability: sale to minors = fines + premium increase. <strong>\u00c9duc&#8217;alcool training or Offences Act<\/strong> recommended. <\/p>\n<\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Essential-Protections-to-Include\"><\/span>Essential Protections to Include<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:16px;margin:20px 0 36px\">\n<div style=\"background:#f8fafc;padding:20px;border-radius:8px;border-left:4px solid #10c4c7\">\n<h4 style=\"color:#0d1f2d;margin:0 0 8px;font-size:1.05em\">Building &#038; Content<\/h4>\n<p style=\"color:#475569;margin:0;font-size:0.95em;line-height:1.5\">Shelves, refrigerated counters, inventory. Replacement cost on equipment. <\/p>\n<\/div><div style=\"background:#f8fafc;padding:20px;border-radius:8px;border-left:4px solid #10c4c7\">\n<h4 style=\"color:#0d1f2d;margin:0 0 8px;font-size:1.05em\">Money theft &#038; inventory<\/h4>\n<p style=\"color:#475569;margin:0;font-size:0.95em;line-height:1.5\">Specific endorsement \u2014 covers cash, lottery, prepaid cards, cigarettes.<\/p>\n<\/div><div style=\"background:#f8fafc;padding:20px;border-radius:8px;border-left:4px solid #10c4c7\">\n<h4 style=\"color:#0d1f2d;margin:0 0 8px;font-size:1.05em\">Loss of perishable goods<\/h4>\n<p style=\"color:#475569;margin:0;font-size:0.95em;line-height:1.5\">Essential for meat\/milk fridge, freezers, fresh produce areas.<\/p>\n<\/div><div style=\"background:#f8fafc;padding:20px;border-radius:8px;border-left:4px solid #10c4c7\">\n<h4 style=\"color:#0d1f2d;margin:0 0 8px;font-size:1.05em\">Public RCA $5 million<\/h4>\n<p style=\"color:#475569;margin:0;font-size:0.95em;line-height:1.5\">Fall, poisoning, broken shelf leg. Reasonable minimum. <\/p>\n<\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border:2px solid #10c4c7;padding:32px 24px;border-radius:12px;text-align:center;color:#fff;margin:36px 0\">\n<h3 style=\"color:#fff;margin:0 0 12px;font-size:1.4em\">Get your personalized grocery quote<\/h3>\n<p style=\"color:#cbd5e1;margin:0 0 20px\">Compare up to 3 specialist insurers \u2013 free and without obligation<\/p>\n<a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#fff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:600\">Start my quote<\/a>\n<div style=\"margin-top:12px\"><a href=\"tel:+18663574451\" style=\"color:#fff\">\u260e 1-866-357-4451<\/a><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Premium-2026-%E2%80%94-indicative-table\"><\/span>Premium 2026 \u2014 indicative table<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:20px 0\">\n<table style=\"width:100%;border-collapse:collapse;background:#fff;border-radius:8px;overflow:hidden;box-shadow:0 2px 8px rgba(0,0,0,0.05)\">\n<thead style=\"background:#0d1f2d;color:#fff\"><tr><th style=\"padding:14px;text-align:left\">Profile<\/th><th style=\"padding:14px;text-align:left\">Volume \/ Detail<\/th><th style=\"padding:14px;text-align:left\">Annual Bonus<\/th><\/tr><\/thead>\n<tbody><tr><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">Convenience store &lt;1 000 pi\u00b2{{{wpml_tag_16}}}{{{wpml_tag_17}}}Inventaire 15-30 k${{{wpml_tag_18}}}{{{wpml_tag_19}}}2 600 $ \u2013 3 400 ${{{wpml_tag_20}}}{{{wpml_tag_21}}}{{{wpml_tag_22}}}{{{wpml_tag_23}}}\u00c9picerie de quartier 1 500-3 000 pi\u00b2{{{wpml_tag_24}}}{{{wpml_tag_25}}}Inventaire 40-80 k${{{wpml_tag_26}}}{{{wpml_tag_27}}}3 400 $ \u2013 4 800 ${{{wpml_tag_28}}}{{{wpml_tag_29}}}{{{wpml_tag_30}}}{{{wpml_tag_31}}}March\u00e9 sp\u00e9cialis\u00e9 \/ bio \/ ethnique{{{wpml_tag_32}}}{{{wpml_tag_33}}}Inventaire 60-120 k${{{wpml_tag_34}}}{{{wpml_tag_35}}}4 400 $ \u2013 5 800 ${{{wpml_tag_36}}}{{{wpml_tag_37}}}{{{wpml_tag_38}}}{{{wpml_tag_39}}}Grande \u00e9picerie >5,000 sq. ftInventory<\/td> <td style=\"padding:12px;border-bottom:1px solid #e2e8f0;color:#64748b\">$150k+<\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#10c4c7\">$5,400 \u2013 $6,200<\/td><\/tr><\/tbody>\n<\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\"><em>The amounts are indicative. Your actual premium depends on your claims history, location, security systems, and coverage chosen. <\/em><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tips-for-lowering-your-premium\"><\/span>Tips for lowering your premium<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<ul style=\"background:#f0fdfa;padding:24px 28px 24px 44px;border-radius:12px;color:#0d1f2d;margin:20px 0 36px\">\n<li style=\"margin-bottom:10px;line-height:1.6\"><strong>24\/7 cloud IP cameras<\/strong> + monitoring alarm: 10-15% discount + proof in case of theft.<\/li><li style=\"margin-bottom:10px;line-height:1.6\"><strong>Frequent bank deposits<\/strong> (not keeping $>1,500 in cash) \u2014 reduces uncovered losses.<\/li><li style=\"margin-bottom:10px;line-height:1.6\">5,000W <strong>portable generator<\/strong>: plugged in in 30 minutes preserves fridges for 8-12 hours.<\/li><li style=\"margin-bottom:10px;line-height:1.6\"><strong>Preventive maintenance<\/strong> of compressors every 6 months: required by many insurers.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-%E2%80%94-Grocery-Insurance\"><\/span>Frequently Asked Questions \u2014 Grocery Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">How much does grocery insurance cost in Quebec in 2026?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\">Prime moyenne : <strong>2 600 $ \u00e0 6 200 $\/an<\/strong> selon la taille, le volume de ventes, l&#8217;emplacement et votre historique de sinistres. Les tarifs 2026 refl\u00e8tent la hausse du co\u00fbt des mat\u00e9riaux et pi\u00e8ces.<\/div><\/details><details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">What protections are essential for a grocery store?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\">Minimum : <strong>RC commerciale (2-5 M$)<\/strong>, b\u00e2timent\/contenu (valeur \u00e0 neuf), \u00e9quipement, pertes d&#8217;exploitation. Les avenants sp\u00e9cifiques \u00e0 votre industrie (B\u00e2timent &amp; contenu, Vol d&#8217;argent &amp; inventaire) sont souvent cruciaux.<\/div><\/details><details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">Is the CNESST included?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\">Non. La CNESST est une <strong>cotisation obligatoire<\/strong> g\u00e9r\u00e9e s\u00e9par\u00e9ment par l&#8217;employeur. L&#8217;assurance commerciale compl\u00e8te la CNESST pour les poursuites civiles RC hors travail (clients, tiers).<\/div><\/details><details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">Do I have to declare all my income exactly?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\">Oui. Une <strong>sous-d\u00e9claration<\/strong> peut entra\u00eener une p\u00e9nalit\u00e9 proportionnelle (<em>r\u00e8gle proportionnelle<\/em>) en cas de sinistre : si vous avez d\u00e9clar\u00e9 400 k$ mais faites 800 k$ r\u00e9els, vous recevez <strong>50 % de l&#8217;indemnisation<\/strong> due.<\/div><\/details><details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">Are my subcontractors covered by my policy?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\"><strong>Non<\/strong>. Chaque sous-traitant doit avoir sa propre RC. Demandez toujours <strong>certificat d&#8217;assurance<\/strong> et ajoutez-vous comme <em>additional insured<\/em> sur leur police. Sinon, vous restez responsable des dommages qu&#8217;ils causent.<\/div><\/details><details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">What is a replacement cost vs depreciated value?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\"><strong>Valeur \u00e0 neuf<\/strong> : vous \u00eates rembours\u00e9 du prix actuel d&#8217;un \u00e9quipement neuf \u00e9quivalent. <strong>Valeur d\u00e9pr\u00e9ci\u00e9e<\/strong> : montant r\u00e9duit de l&#8217;usure (ex : frigo 10 ans = 30 % de sa valeur neuf). Valeur \u00e0 neuf est recommand\u00e9e \u2014 co\u00fbt suppl\u00e9mentaire 10-15 %.<\/div><\/details><details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">Can I insure my commercial vehicles with the same policy?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\">Souvent oui, mais parfois plus avantageux de <strong>s\u00e9parer<\/strong> : police flotte commerciale distincte. Nous comparons les deux sc\u00e9narios pour choisir le plus \u00e9conomique.<\/div><\/details><details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">How long does it take to be compensated after a claim?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\">Avec <strong>inventaire \u00e0 jour + photos + documents financiers<\/strong> : r\u00e8glement en 4-8 semaines. Sans preuves : peut tra\u00eener 4-12 mois. C&#8217;est pourquoi nous recommandons un inventaire num\u00e9rique sauvegard\u00e9 hors site.<\/div><\/details><details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">What should I do if my insurer refuses to renew it?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\">Causes courantes : sinistres \u00e0 r\u00e9p\u00e9tition, changement d&#8217;activit\u00e9, d\u00e9m\u00e9nagement. Assur360 a acc\u00e8s \u00e0 15+ assureurs (dont 3-4 sp\u00e9cialis\u00e9s en risques difficiles). Nous trouvons g\u00e9n\u00e9ralement une solution dans 90 % des cas \u2014 appelez le 1-866-357-4451.<\/div><\/details><details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">How do I get my grocery quote?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\">Remplissez notre <a href=\"\/soumission-assurance-entreprise-en-ligne\/\" style=\"color:#10c4c7;font-weight:600\">formulaire 3 minutes<\/a> avec vos revenus annuels, superficie, nombre d&#8217;employ\u00e9s, et couvertures actuelles. Vous recevez jusqu&#8217;\u00e0 3 soumissions compar\u00e9es sous 24-48 h ouvrables. Gratuit, sans engagement. \u260e 1-866-357-4451.<\/div><\/details>\n<div style=\"background:#f0fdfa;padding:32px 24px;border-radius:12px;margin:40px 0\">\n<h3 style=\"color:#0d1f2d;margin:0 0 16px\">Why choose Assur360<\/h3>\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px\">\n<div><strong style=\"color:#10c4c7\">\u2713 AMF &#038; Chambre de l&#8217;assurance<\/strong><br \/><span style=\"color:#475569;font-size:0.95em\">Accredited and certified firm<\/span><\/div>\n<div><strong style=\"color:#10c4c7\">\u2713 15+ insurers compared<\/strong><br \/><span style=\"color:#475569;font-size:0.95em\">Intact, Desjardins, Beneva, Aviva, Economical, Belair&#8230;<\/span><\/div>\n<div><strong style=\"color:#10c4c7\">\u2713 100,000+ Quebecers served<\/strong><br \/><span style=\"color:#475569;font-size:0.95em\">Since 2008<\/span><\/div>\n<div><strong style=\"color:#10c4c7\">\u2713 No cost, no obligation<\/strong><br \/><span style=\"color:#475569;font-size:0.95em\">Our commission is paid by the insurer<\/span><\/div>\n<\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Helpful-Resources\"><\/span>Helpful Resources<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:12px;margin:20px 0\">\n<a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\" style=\"display:block;padding:16px;background:#f8fafc;border-radius:8px;text-decoration:none;color:#0d1f2d;border:1px solid #e2e8f0\">\u2192 Business Insurance Overview<\/a>\n<a href=\"\/assurance-responsabilite-civile-entreprise\/\" style=\"display:block;padding:16px;background:#f8fafc;border-radius:8px;text-decoration:none;color:#0d1f2d;border:1px solid #e2e8f0\">\u2192 Commercial General Liability $<\/a>\n2-5M<a href=\"\/assurance-biens-commerciaux\/\" style=\"display:block;padding:16px;background:#f8fafc;border-radius:8px;text-decoration:none;color:#0d1f2d;border:1px solid #e2e8f0\">\u2192 Commercial Properties (Building + Content)<\/a>\n<a href=\"\/assurance-cyber-risques\/\" style=\"display:block;padding:16px;background:#f8fafc;border-radius:8px;text-decoration:none;color:#0d1f2d;border:1px solid #e2e8f0\">\u2192 Cyber Risks &#038; Wire Fraud<\/a>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);padding:40px 24px;border-radius:12px;text-align:center;color:#fff;margin:40px 0 24px\">\n<h2 style=\"color:#fff;margin:0 0 12px\"><span class=\"ez-toc-section\" id=\"Ready-to-protect-your-grocery-store\"><\/span>Ready to protect your grocery store?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"color:#cbd5e1;margin:0 0 24px\">3 minutes \u2014 up to 3 quotes compared \u2014 no commitment<\/p>\n<a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#fff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:600;margin:4px\">Start my quote<\/a>\n<a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#fff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:600;border:2px solid #fff;margin:4px\">\u260e 1-866-357-4451<\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Article\",\"headline\":\"Assurance \u00e9picerie au Qu\u00e9bec 2026 \u2014 d\u00e9panneur, march\u00e9, RC\",\"image\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/05\/Assurance-entreprise.jpg\",\"datePublished\":\"2026-04-19\",\"dateModified\":\"2026-04-19\",\"author\":{\"@type\":\"Organization\",\"name\":\"Assur360\"},\"publisher\":{\"@type\":\"Organization\",\"name\":\"Assur360\",\"logo\":{\"@type\":\"ImageObject\",\"url\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/05\/logo.png\"}}}\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 entreprise\",\"item\":\"https:\/\/www.assur360.ca\/assurance-entreprise\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"\u00c9picerie\",\"item\":\"https:\/\/www.assur360.ca\/assurance-entreprise\/epicerie\/\"}]}\n<\/script>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Combien co\u00fbte une assurance \u00e9picerie au Qu\u00e9bec en 2026 ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Prime moyenne : 2 600 $ \u00e0 6 200 $\/an selon la taille, le volume de ventes, l'emplacement et votre historique de sinistres. Les tarifs 2026 refl\u00e8tent la hausse du co\u00fbt des mat\u00e9riaux et pi\u00e8ces.\"}},{\"@type\":\"Question\",\"name\":\"Quelles protections sont essentielles pour une \u00e9picerie ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Minimum : RC commerciale (2-5 M$), b\u00e2timent\/contenu (valeur \u00e0 neuf), \u00e9quipement, pertes d'exploitation. Les avenants sp\u00e9cifiques \u00e0 votre industrie (B\u00e2timent & contenu, Vol d'argent & inventaire) sont souvent cruciaux.\"}},{\"@type\":\"Question\",\"name\":\"La CNESST est-elle incluse ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non. La CNESST est une cotisation obligatoire g\u00e9r\u00e9e s\u00e9par\u00e9ment par l'employeur. L'assurance commerciale compl\u00e8te la CNESST pour les poursuites civiles RC hors travail (clients, tiers).\"}},{\"@type\":\"Question\",\"name\":\"Dois-je d\u00e9clarer tous mes revenus exactement ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Une sous-d\u00e9claration peut entra\u00eener une p\u00e9nalit\u00e9 proportionnelle (r\u00e8gle proportionnelle) en cas de sinistre : si vous avez d\u00e9clar\u00e9 400 k$ mais faites 800 k$ r\u00e9els, vous recevez 50 % de l'indemnisation due.\"}},{\"@type\":\"Question\",\"name\":\"Mes sous-traitants sont-ils couverts par ma police ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non. Chaque sous-traitant doit avoir sa propre RC. Demandez toujours certificat d'assurance et ajoutez-vous comme additional insured sur leur police. Sinon, vous restez responsable des dommages qu'ils causent.\"}},{\"@type\":\"Question\",\"name\":\"Qu'est-ce qu'une valeur \u00e0 neuf vs valeur d\u00e9pr\u00e9ci\u00e9e ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Valeur \u00e0 neuf : vous \u00eates rembours\u00e9 du prix actuel d'un \u00e9quipement neuf \u00e9quivalent. Valeur d\u00e9pr\u00e9ci\u00e9e : montant r\u00e9duit de l'usure (ex : frigo 10 ans = 30 % de sa valeur neuf). 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