{"id":19815,"date":"2025-05-07T19:20:04","date_gmt":"2025-05-07T23:20:04","guid":{"rendered":"https:\/\/www.assur360.ca\/business-insurance-by-activity\/"},"modified":"2026-04-20T15:24:58","modified_gmt":"2026-04-20T19:24:58","slug":"business-insurance-by-activity","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/business-insurance-by-activity\/","title":{"rendered":"Business Insurance by Activity"},"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 entreprise par activit\u00e9\", \"description\": \"Assurance entreprise sur mesure par secteur d'activit\u00e9 au Qu\u00e9bec : TI, construction, commerce, sant\u00e9, transport, professionnels. Soumission gratuite 2 min.\", \"url\": \"https:\/\/www.assur360.ca\/assurance-entreprise-par-activite\/\", \"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;\">BY ACTIVITY<\/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=\"Customized-business-insurance-%E2%80%94-by-industry\"><\/span>Customized business insurance \u2014 by industry<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;\">Each sector has its <strong>own risks and special requirements<\/strong>. Find the right insurance for your business: construction, IT, commercial, professional, transportation, health, agricultural, manufacturing. <\/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;\">40+ Sectors<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Cutlery<\/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;\">Tailor-made<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">By Activity<\/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<p>Generic business insurance doesn&#8217;t always reflect the <strong>real risks of your business<\/strong>. A law firm needs E&amp;O, a machinery roofing manufacturer, a high-limit cyber policy MSSP, a food freeze restaurant. Choosing an <strong>activity-based policy<\/strong> allows you to pay the right price and avoid <strong>surprise exclusions<\/strong> in the event of a claim.  <\/p>\n\n<div style=\"display:flex;align-items:center;gap:40px;margin:40px 0 56px;background:linear-gradient(145deg,#f8fafc,#f0f9ff);border-radius:20px;padding:40px;border:1px solid #e2e8f0;flex-wrap:wrap;\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/assurance-entreprise-par-activite.jpg\" alt=\"Quebec business by activity \u2014 Assur360 insurance\" style=\"width:45%;max-width:420px;border-radius:16px;flex-shrink:0;height:auto;\" loading=\"lazy\"\/>\n  <div style=\"flex:1;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">IN BRIEF<\/p>\n    <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=\"Business-Insurance-by-Industry\"><\/span>Business Insurance by Industry<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\">Each sector has its own risks: <strong>trade, catering, health, education, technology, manufacturing, construction, hospitality, agriculture<\/strong>. A font that is tailored to your exact business is essential. <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Our approach:<\/strong> Assur360 has developed specialized programs for <strong>30+ sectors of activity<\/strong>. Free audit of your current program to identify any possible gaps or discounts. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Sectors-covered-by-Assur360\"><\/span>Sectors covered by Assur360<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px;max-width:1200px;margin:24px auto;\">\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Construction &#038; Building<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">General contractors, roofers, electricians, plumbers, carpenters, excavators \u2014 RBQ compliant.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">IT, SaaS &#038; Cybersecurity<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Developers, MSSPs, consultants, software vendors, integrators, hosting providers \u2014 with E&#038;O and cyber.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Retail<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Boutiques, convenience stores, jewellery stores, franchises \u2014 inventory, theft, commercial liability.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Professional Services<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Lawyers, accountants, engineers, architects, designers, consultants \u2014 high-limit E&#038;O.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Health &#038; Wellness<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Clinics, occupational therapists, nutritionists, massage therapists, training centres \u2014 professional liability<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Transport &#038; logistics<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Trucking, moving, storage, delivery \u2014 fleet + carrier liability.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Catering &#038; Food<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Restaurants, caterers, bakeries, producers \u2014 product liability + food freeze.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Manufacturing &#038; Industrial<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Manufacturing, shop, welding, biotechnology \u2014 RC products + equipment breakdown.<\/p>\n  <\/div>\n<\/div>\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;\">If your business has <strong>several distinct activities<\/strong> (e.g., IT consulting + pentest, or construction + rental property), inform your broker. A single &#8220;business&#8221; policy with unreported activities can be <strong>invalid in a claim<\/strong>. It is sometimes necessary to have two separate policies or one policy with specific endorsements per activity.  <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\" id=\"faq\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions\"><\/span>Frequently Asked Questions<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;\">Why choose activity-based insurance over a generic policy?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Each profession has its <strong>major risks<\/strong> and its usual exclusions. A generic policy often applies overly broad exclusions (&#8220;any professional activity&#8221;) or insufficient limits. An activity-based policy targets precisely what you&#8217;re doing \u2014 and what can go wrong in your specific business.  <\/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 has several activities \u2014 what should I do?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Declare <strong>all activities<\/strong>, even marginal ones (more than 5% of turnover). For example, a plumber who also does pool repair must mention both. The broker can either find an insurer that covers both or structure two policies with coordinated endorsements.  <\/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 industry is not on your list \u2014 can you assure me?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes \u2014 we cover 40+ documented sectors plus <strong>many others not listed<\/strong>. Contact us with your NAICS code or a description of your activities. In 95% of cases, we find suitable coverage within 72 hours.  <\/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 change my insurance if my activity changes?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, at any time. A major change in activity (new service, new market, geographical expansion) must be declared <strong>immediately<\/strong> to the insurer, without waiting for renewal. Unreported activity can invalidate a claim.  <\/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 long does it take to get a quote by activity?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">For <strong>standard sectors<\/strong> (retail, office, services): 2 to 10 minutes online. For <strong>specialized sectors<\/strong> (pentest, biotechnology, works of art, extreme sports): 24 to 72 hours of subscription, with additional questionnaires. <\/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 startups get business insurance?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, even without significant turnover. Many insurers offer <strong>startup<\/strong> policies with a minimum premium between $600 and $1,500\/year. For IT or SaaS startups, E&#038;O + cyber coverage is often required by investors as early as the <strong>seed funding round<\/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;\">Do non-profit organizations (NPOs) have access to this type of coverage?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, and some insurers offer preferential rates for NPOs. Specific risks include directors&#8217; <strong>liability (D&#038;O)<\/strong> \u2014 essential to protect board members who act on a pro bono basis. <\/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 do I identify the correct NAICS code for my business?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">The North American Industry Classification System (NAICS) code describes your main activity. You can look for it on the <a href=\"https:\/\/www.statcan.gc.ca\/fr\/sujets\/norme\/scian\/2022\/v1\/indice\">Statistics Canada<\/a> website. If you are unsure, your Assur360 broker will determine it with you when you quote.  <\/div>\n  <\/details>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Business-insurance-throughout-Quebec-%E2%80%94-all-sectors\"><\/span>Business insurance throughout Quebec \u2014 all sectors<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 businesses throughout 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>. From the Mile End IT startup to the general contractor in Chicoutimi, from the dental office in Laval to the manufacturer in Victoriaville: our brokers adapt to your sector and your region. <\/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.<\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Additional-Coverage-to-Consider\"><\/span>Additional Coverage to Consider<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;max-width:1200px;margin:24px auto;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Business Insurance<\/div>\n  <\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/information-technology-insurance-2\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">IT &#038; SaaS Insurance<\/div>\n  <\/a>\n<a href=\"\/assurance-construction\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Construction insurance<\/div>\n  <\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/retail-insurance-online-quote\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Retail Insurance<\/div>\n  <\/a>\n<a href=\"\/assurance-responsabilite-professionnelle\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Professional liability<\/div>\n  <\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/trucking-insurance-2\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Trucking Insurance<\/div>\n  <\/a>\n<\/div>\n\n<h3 class=\"wp-block-heading\">Official references<\/h3>\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.statcan.gc.ca\/fr\/sujets\/norme\/scian\/2022\/v1\/indice\" rel=\"nofollow noopener\" target=\"_blank\">Statistics Canada \u2014 NAICS codes<\/a><\/li>\n<li><a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assurances\/\" rel=\"nofollow noopener\" target=\"_blank\">Autorit\u00e9 des march\u00e9s financiers<\/a><\/li>\n<li><a href=\"https:\/\/www.ibc.ca\/fr\/assurance-des-entreprises\" rel=\"nofollow noopener\" target=\"_blank\">Insurance Bureau of Canada \u2014 business<\/a><\/li><\/ul>\n\n<div style=\"background:#f0fdfa;border:2px solid #10c4c7;border-radius:12px;padding:30px;margin:40px auto;max-width:1200px;\">\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 40px;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=\"Get-your-free-quote\"><\/span>Get your free quote<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\/\" 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Une police g\u00e9n\u00e9rique applique souvent des exclusions trop larges (\u00ab toute activit\u00e9 professionnelle \u00bb) ou des limites insuffisantes. Une police par activit\u00e9 cible pr\u00e9cis\u00e9ment ce que vous faites \u2014 et ce qui peut mal tourner dans votre m\u00e9tier sp\u00e9cifique.\"}}, {\"@type\": \"Question\", \"name\": \"Mon entreprise a plusieurs activit\u00e9s \u2014 que faire ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"D\u00e9clarez <\/strong><strong>toutes les activit\u00e9s, m\u00eame marginales (plus de 5 % du CA). Par exemple, un plombier qui fait aussi de la r\u00e9paration de piscine doit mentionner les deux. Le courtier peut soit trouver un assureur qui couvre les deux, soit structurer deux polices avec des avenants coordonn\u00e9s.\"}}, {\"@type\": \"Question\", \"name\": \"Mon secteur n'est pas dans votre liste \u2014 pouvez-vous m'assurer ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui \u2014 nous couvrons 40+ secteurs document\u00e9s plus de <\/strong><strong>nombreux autres non list\u00e9s. Contactez-nous avec votre code SCIAN ou une description de vos activit\u00e9s. Dans 95 % des cas, nous trouvons une couverture adapt\u00e9e dans les 72 h.\"}}, {\"@type\": \"Question\", \"name\": \"Puis-je changer d'assurance si mon activit\u00e9 change ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, \u00e0 tout moment. Un changement d'activit\u00e9 majeur (nouveau service, nouveau march\u00e9, expansion g\u00e9ographique) doit \u00eatre d\u00e9clar\u00e9 <\/strong><strong>imm\u00e9diatement \u00e0 l'assureur, sans attendre le renouvellement. Une activit\u00e9 non d\u00e9clar\u00e9e peut invalider une r\u00e9clamation.\"}}, {\"@type\": \"Question\", \"name\": \"Quel est le d\u00e9lai pour obtenir une soumission par activit\u00e9 ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Pour les <\/strong><strong>secteurs standards (commerce, bureau, services) : 2 \u00e0 10 minutes en ligne. Pour les <\/strong><strong>secteurs sp\u00e9cialis\u00e9s (pentest, biotechnologie, \u0153uvres d'art, sports extr\u00eames) : 24 \u00e0 72 h de souscription, avec questionnaires compl\u00e9mentaires.\"}}, {\"@type\": \"Question\", \"name\": \"Les startups peuvent-elles obtenir une assurance entreprise ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, m\u00eame sans chiffre d'affaires significatif. Plusieurs assureurs offrent des polices <\/strong><strong>\u00ab startup \u00bb avec prime minimum entre 600 $ et 1 500 $\/an. Pour les startups TI ou SaaS, la couverture E&O + cyber est souvent exig\u00e9e par les investisseurs d\u00e8s le <\/strong><strong>tour de financement de d\u00e9marrage.\"}}, {\"@type\": \"Question\", \"name\": \"Les organismes sans but lucratif (OSBL) ont-ils acc\u00e8s \u00e0 ce type de couverture ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, et certains assureurs offrent des tarifs pr\u00e9f\u00e9rentiels pour les OSBL. Les risques sp\u00e9cifiques incluent la <\/strong><strong>RC administrateurs (D&O) \u2014 essentielle pour prot\u00e9ger les membres du conseil qui agissent b\u00e9n\u00e9volement.\"}}, {\"@type\": \"Question\", \"name\": \"Comment identifier le bon code SCIAN pour mon activit\u00e9 ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Le code SCIAN (Syst\u00e8me de classification des industries de l'Am\u00e9rique du Nord) d\u00e9crit votre activit\u00e9 principale. Vous pouvez le chercher sur le site de <a href=\\\"https:\/\/www.statcan.gc.ca\/fr\/sujets\/norme\/scian\/2022\/v1\/indice\\\">Statistique Canada. Si vous h\u00e9sitez, votre courtier Assur360 le d\u00e9termine avec vous lors de la soumission.\"}}]}\n<!-- wpml:html_fragment <\/a><\/strong><\/script>  -->\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"BreadcrumbList\", \"itemListElement\": [{\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Accueil\", \"item\": \"https:\/\/assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Assurance entreprise\", \"item\": \"https:\/\/assur360.ca\/assurance-entreprise\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Assurance entreprise par activit\u00e9\", \"item\": \"https:\/\/www.assur360.ca\/assurance-entreprise-par-activite\/\"}]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>BY ACTIVITY Customized business insurance \u2014 by industry Each sector has its own risks and special requirements. 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