{"id":19872,"date":"2025-05-10T14:41:24","date_gmt":"2025-05-10T18:41:24","guid":{"rendered":"https:\/\/www.assur360.ca\/business-insurance-3-minute-quote\/it-business-insurance-get-a-quick-quote\/"},"modified":"2026-05-07T16:14:13","modified_gmt":"2026-05-07T20:14:13","slug":"it-business-insurance-get-a-quick-quote","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/it-business-insurance-get-a-quick-quote\/","title":{"rendered":"IT Business Insurance"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"InsuranceAgency\", \"name\": \"Assur360 \u2014 Assurance entreprise informatique\", \"description\": \"Assurance entreprise informatique : RC pro, E&O, cyber, \u00e9quipement. D\u00e9veloppeurs, int\u00e9grateurs, MSP, SaaS. Soumission en 2 min. 1-866-357-4451.\", \"url\": \"https:\/\/www.assur360.ca\/assurance-entreprise-informatique\/\", \"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;\">IT COMPANY<\/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-IT-Services-Insurance\"><\/span>IT Business  IT Services Insurance<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;\">Software development, integration, cloud computing, MSP, SaaS, consulting: protect your firm against <strong>service errors, cyber incidents and contract lawsuits<\/strong> with a customized policy.<\/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;\">Starting at $1,500<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Annual premium<\/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;\">$2M to $10M<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">EO\/RC 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;\">Bill 25<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Compliant<\/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>An IT services company in Quebec faces a combination of risks: <strong>professional errors<\/strong> (critical bugs, poor architecture, loss of customer data), <strong>cyber-incidents<\/strong> (hacking, ransomware on hosted customers), <strong>contractual liability<\/strong> (missed SLAs, delays, cost overruns), and traditional business risks (equipment, commercial liability). Bill 25 adds strict obligations when you handle personal information for your clients. An integrated policy combines EO, RC, cyber and property for comprehensive coverage.  <\/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-informatique.jpg\" alt=\"IT company \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=\"IT-Business-Insurance\"><\/span>IT Business Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\">IT companies (sales, service, consulting) combine <strong>goods (equipment, inventory), EO technology, cyber, product liability<\/strong>. Embedded fonts available through tech specialty marketplaces. <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>3 pillars:<\/strong> EO Tech $1-2M + Cyber $1-2M + Commercial RC $2M. Typical total cost: <strong>$1,800 to $4,500\/year<\/strong> for an SME with 5-15 employees. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-6-Essential-Protections-for-an-IT-Business\"><\/span>The 6 Essential Protections for an IT Business<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;\">Errors and Omissions (EO)<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Critical bug, failure caused by your code, bad architecture, non-compliant deliverable. Basis of the contract. <\/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;\">Cyber business and customer<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Ransomware, data leakage \u2014 yours AND that of hosted\/processed customers.<\/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;\">Commercial liability<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Injuries during customer visits, property damage on the customer&#8217;s premises.<\/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;\">Property and equipment<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Servers, laptops, lab equipment, goods on the road at the customer&#8217;s site.<\/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;\">Business interruption<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Loss of income following a disaster (fire, theft, cyber) that interrupts your operations.<\/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;\">DO (Directors)<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Protection of executives against personal lawsuits: strategic decisions, governance.<\/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;\">In IT services, most lawsuits come from <strong>customers who feel they have not received the promised result<\/strong>, not real technical errors. Protect yourself on two levels: (1) clear agreements with SLAs, limitations of liability, precise definition of the deliverable; (2) EO policy with a limit \u2265 $2 million and no &#8220;exceeding promise&#8221; exclusion. A strong contract reduces your claims; A good police force manages those who pass by in spite of everything.  <\/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;\">What is the difference between commercial liability and EO for an IT company?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\"><strong>Commercial liability<\/strong> insurance covers physical and material damage (a cable that causes a fall, equipment that damages a wall). <strong>EO (errors and omissions)<\/strong> covers financial damage caused by a service error (bug, misconfiguration, loss of data). Both are necessary, often combined in an integrated font.  <\/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 business insurance cost in Quebec?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">For an SME with 3 to 20 employees and a turnover of $500,000 to $5 million: between $1,500 and $8,000 per year. Integrators, MSPs, and SaaS firms pay more for access to client systems. Solo freelancers start as early as $600\/year.  <\/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;\">A bug in my software causes a financial loss for the customer \u2014 covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, through your <strong>EO<\/strong>. Typical limit $1 million to $5 million. Covers demonstrable financial damage (loss of income, repair costs, compensation to end customers). <strong>Limitation of liability<\/strong> clauses in your contracts also limit your exposure.   <\/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;\">If a customer gets hacked and sues us \u2014 are we covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes \u2014 <strong>third-party cyber<\/strong> covers lawsuits against customers whose data has been compromised by an incident in your infrastructure. Essential for MSPs, integrators and hosting providers. Usual limit $1 million to $5 million.  <\/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 apply to us as IT providers?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes \u2014 if you process <strong>personal information<\/strong> for your customers, you are a joint controller. Obligations: designate a RPRP, keep a record of incidents, notify in the event of a breach. Your policy must include explicit &#8220;Bill 25 \/ Quebec Plan&#8221; coverage.  <\/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;\">Our B2B contracts sometimes require $5 million or $10 million in coverage \u2014 is that possible?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes. Limits of $5 million to $10 million in EO and cyber are common to meet <strong>B2B contractual requirements<\/strong>. Your broker can issue a quick certificate (24-48 hours) at the request of a client. Additional cost per $1 million: $200 to $600.  <\/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;\">Our employees are working remotely \u2014 are we covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes. Most EO policies cover <strong>telecommuting<\/strong> at no extra premium. Equipment provided to employees (laptops) is covered through the &#8220;off-premises equipment&#8221; endorsement of your property policy. Declare teleworking when you take out.  <\/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 limit my liability contractually to reduce my premium?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes. Insurers reward solid contracts with <strong>limitations of liability<\/strong> (cap at 1-3x the annual value of the contract), exclusion clauses for consequential damages, arbitration clauses. Have your standard contracts validated by an IT lawyer. <\/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;\">Are SLA penalties covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Partially. <strong>Predefined contractual penalties<\/strong> (SLAs) are usually excluded or sub-limited. <strong>Actual damage<\/strong> suffered by the client (proven loss of income) is covered via EO. Read the exclusions carefully with your broker.   <\/div>\n  <\/details>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"IT-companies-throughout-Quebec\"><\/span>IT companies throughout 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 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>. Startups in Montreal, SaaS firms in Quebec City, MSPs in the regions, integrators in Sherbrooke, Laval, Gatineau: our brokers know the risks specific to technology companies and the contractual requirements of the sector. <\/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\/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  Technology Insurance<\/div>\n  <\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/cyber-insurance-for-businesses-in-quebec-protect-your-data-2026\/\" 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;\">Cyber Business 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 Insurance<\/div>\n  <\/a>\n<a href=\"\/assurance-cybersecurite\/\" 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;\">Cybersecurity firm 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.technocompetences.qc.ca\/\" rel=\"nofollow noopener\" target=\"_blank\">TechSkills<\/a><\/li>\n<li><a href=\"https:\/\/www.cai.gouv.qc.ca\/loi-25\/\" rel=\"nofollow noopener\" target=\"_blank\">Bill 25 \u2014 Commission d&#8217;acc\u00e8s \u00e0 l&#8217;information<\/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><\/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\/\" 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\": \"Quelle diff\u00e9rence entre RC commerciale et E&O pour une entreprise TI ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"La <strong>RC commerciale couvre les dommages physiques et mat\u00e9riels (un c\u00e2ble qui cause une chute, un \u00e9quipement qui ab\u00eeme un mur). L'<\/strong><strong>E&O (erreurs et omissions) couvre les dommages financiers caus\u00e9s par une erreur de service (bug, mauvaise configuration, perte de donn\u00e9es). Les deux sont n\u00e9cessaires, souvent combin\u00e9es dans une police int\u00e9gr\u00e9e.\"}}, {\"@type\": \"Question\", \"name\": \"Combien co\u00fbte une assurance pour entreprise TI au Qu\u00e9bec ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Pour une PME de 3 \u00e0 20 employ\u00e9s avec un CA de 500 000 $ \u00e0 5 M$ : entre 1 500 $ et 8 000 $ par ann\u00e9e. Les int\u00e9grateurs, MSP et firmes SaaS paient davantage en raison de l'acc\u00e8s aux syst\u00e8mes clients. Les freelances solos commencent d\u00e8s 600 $\/an.\"}}, {\"@type\": \"Question\", \"name\": \"Un bug dans mon logiciel cause une perte financi\u00e8re chez le client \u2014 couvert ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, via votre <\/strong><strong>E&O. Limite typique 1 M$ \u00e0 5 M$. Couvre les dommages financiers d\u00e9montrables (perte de revenus, frais de r\u00e9paration, compensations clients finaux). Les clauses <\/strong><strong>limitation de responsabilit\u00e9 dans vos contrats limitent aussi votre exposition.\"}}, {\"@type\": \"Question\", \"name\": \"Si un client se fait pirater et nous poursuit \u2014 sommes-nous couverts ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui \u2014 la <\/strong><strong>cyber tiers partie couvre les poursuites de clients dont les donn\u00e9es ont \u00e9t\u00e9 compromises par un incident dans votre infrastructure. Essentiel pour les MSP, int\u00e9grateurs et h\u00e9bergeurs. Limite usuelle 1 M$ \u00e0 5 M$.\"}}, {\"@type\": \"Question\", \"name\": \"La Loi 25 s'applique-t-elle \u00e0 nous comme fournisseurs TI ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui \u2014 si vous traitez des <\/strong><strong>renseignements personnels pour vos clients, vous \u00eates co-responsable du traitement. Obligations : d\u00e9signer un RPRP, tenir un registre des incidents, notifier en cas de br\u00e8che. Votre police doit inclure une couverture explicite \u00ab Loi 25 \/ R\u00e9gime qu\u00e9b\u00e9cois \u00bb.\"}}, {\"@type\": \"Question\", \"name\": \"Nos contrats B2B exigent parfois 5 M$ ou 10 M$ de couverture \u2014 est-ce possible ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui. Les limites de 5 M$ \u00e0 10 M$ en E&O et cyber sont courantes pour r\u00e9pondre aux <\/strong><strong>exigences contractuelles B2B. Votre courtier peut \u00e9mettre une attestation rapide (24-48 h) sur demande d'un client. Co\u00fbt additionnel par tranche de 1 M$ : 200 $ \u00e0 600 $.\"}}, {\"@type\": \"Question\", \"name\": \"Nos employ\u00e9s t\u00e9l\u00e9travaillent \u2014 sommes-nous couverts ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui. La plupart des polices E&O couvrent le <\/strong><strong>t\u00e9l\u00e9travail sans surprime. L'\u00e9quipement fourni aux employ\u00e9s (laptops) est couvert via l'avenant \u00ab off-premises equipment \u00bb de votre police biens. D\u00e9clarez le t\u00e9l\u00e9travail \u00e0 la souscription.\"}}, {\"@type\": \"Question\", \"name\": \"Puis-je limiter ma responsabilit\u00e9 contractuellement pour r\u00e9duire ma prime ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui. Les assureurs r\u00e9compensent les contrats solides avec <\/strong><strong>limitations de responsabilit\u00e9 (cap \u00e0 1-3x la valeur annuelle du contrat), clauses d'exclusion de dommages indirects, clauses d'arbitrage. Faites valider vos contrats types par un avocat TI.\"}}, {\"@type\": \"Question\", \"name\": \"Les p\u00e9nalit\u00e9s SLA sont-elles couvertes ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Partiellement. Les <\/strong><strong>p\u00e9nalit\u00e9s contractuelles pr\u00e9d\u00e9finies (SLA) sont g\u00e9n\u00e9ralement exclues ou sous-limit\u00e9es. Les <\/strong><strong>dommages r\u00e9els subis par le client (perte de revenus prouv\u00e9e) sont couverts via l'E&O. Lisez attentivement les exclusions avec votre courtier.\"}}]}\n<!-- wpml:html_fragment <\/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 informatique\", \"item\": \"https:\/\/www.assur360.ca\/assurance-entreprise-informatique\/\"}]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>IT COMPANY IT Business IT Services Insurance Software development, integration, cloud computing, MSP, SaaS, consulting: protect your firm against service errors, cyber [&hellip;]<\/p>\n","protected":false},"author":44,"featured_media":26931,"parent":15787,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"Business Insurance Quebec 2026 | IT & Services","_seopress_titles_desc":"IT business insurance: professional liability, E&O, cyber, equipment. 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