{"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":"2026-06-26T01:41:58","modified_gmt":"2026-06-26T05:41:58","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 Customized business insurance by industry\", \"description\": \"Customized business insurance by industry sector in Quebec: IT, construction, commerce, health, transportation, professionals. Free quote in 2 min.\", \"url\": \"https:\/\/www.assur360.ca\/assurance-entreprise-par-activite\/\", \"telephone\": \"1-866-357-4451\", \"areaServed\": {\"@type\": \"Place\", \"name\": \"Quebec, 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 class=\"wp-block-paragraph\">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;\">Chamber of Insurance<\/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\/\" 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\">\n{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Why choose insurance by activity rather than a generic policy?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Each profession has its <strong>major risks and usual exclusions. A generic policy often applies overly broad exclusions (\\\"any professional activity\\\") or insufficient limits. An activity-specific policy precisely targets what you do \u2014 and what can go wrong in your specific profession.\"}}, {\"@type\": \"Question\", \"name\": \"My business has multiple activities \u2014 what should I do?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Declare <strong>all activities, even marginal ones (more than 5% of revenue). For example, a plumber who also does pool repairs must mention both. The insurance broker can either find an insurer that covers both or structure two policies with coordinated endorsements.\"}}, {\"@type\": \"Question\", \"name\": \"My sector is not on your list \u2014 can you insure me?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes \u2014 we cover 40+ documented sectors plus <strong>many others not listed. Contact us with your NAICS code or a description of your activities. In 95% of cases, we find suitable coverage within 72 hours.\"}}, {\"@type\": \"Question\", \"name\": \"Can I change my insurance if my activity changes?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes, at any time. A major change in activity (new service, new market, geographical expansion) must be reported <strong>immediately to the insurer, without waiting for renewal. An undeclared activity can invalidate a claim.\"}}, {\"@type\": \"Question\", \"name\": \"What is the time frame to get a quote by activity?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"For <strong>standard sectors (retail, office, services): 2 to 10 minutes online. For <strong>specialized sectors (pentesting, biotechnology, artworks, extreme sports): 24 to 72 hours of underwriting, with additional questionnaires.\"}}, {\"@type\": \"Question\", \"name\": \"Can startups obtain business insurance?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes, even without significant revenue. Several insurers offer <strong>\\\"startup\\\" policies with minimum premiums between $600 and $1,500\/year. For IT or SaaS startups, E&O + cyber coverage is often required by investors as early as the <strong>seed funding round.\"}}, {\"@type\": \"Question\", \"name\": \"Do non-profit organizations (NPOs) have access to this type of coverage?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes, and some insurers offer preferential rates for NPOs. Specific risks include <strong>D&O liability \u2014 essential to protect board members who serve voluntarily.\"}}, {\"@type\": \"Question\", \"name\": \"How do I identify the right NAICS code for my activity?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"The NAICS code (North American Industry Classification System) describes your main activity. You can look it up on the <a href=\\\"https:\/\/www.statcan.gc.ca\/fr\/sujets\/norme\/scian\/2022\/v1\/indice\\\">Statistics Canada website. If you're unsure, your Assur360 broker will determine it with you during the quote process.\"}}]}\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\": \"Home\", \"item\": \"https:\/\/assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Business Insurance\", \"item\": \"https:\/\/assur360.ca\/assurance-entreprise\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Business Insurance by Activity\", \"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. Find the right insurance for [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":26931,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Business Insurance by Activity Quebec 2026 | All sectors","_seopress_titles_desc":"Customized business insurance by sector of activity in Quebec: IT, construction, commerce, health, transportation, professionals. Free quote 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":"Business Insurance by Activity","_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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