{"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":"2026-06-26T03:11:15","modified_gmt":"2026-06-26T07:11:15","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 IT Business Insurance\", \"description\": \"IT Business Insurance: Professional liability, E&O, cyber, equipment. Developers, integrators, MSP, SaaS. Quote in 2 min. 1-866-357-4451.\", \"url\": \"https:\/\/www.assur360.ca\/assurance-entreprise-informatique\/\", \"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;\">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;\">E&#038;O\/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 class=\"wp-block-paragraph\">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 E&#038;O, 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), E&#038;O 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> E&#038;O 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 (E&#038;O)<\/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-entreprise\/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;\">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\": \"What is the difference between commercial liability and E&O for an IT business?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Commercial liability covers physical and material damages (a cable causing a fall, equipment damaging a wall). E&O (errors and omissions) covers financial damages caused by a service error (bug, misconfiguration, data loss). Both are necessary, often combined in a single policy.\"}}, {\"@type\": \"Question\", \"name\": \"How much does insurance for IT businesses cost in Quebec?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"For an SME with 3 to 20 employees and revenue of $500,000 to $5M: between $1,500 and $8,000 per year. Integrators, MSPs, and SaaS firms pay more due to access to client systems. Solo freelancers start at $600\/year.\"}}, {\"@type\": \"Question\", \"name\": \"A bug in my software causes a financial loss for the client \u2014 is it covered?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes, through your E&O. Typical limit is $1M to $5M. Covers demonstrable financial damages (loss of revenue, repair costs, compensation for end clients). Liability limitation clauses in your contracts also limit your exposure.\"}}, {\"@type\": \"Question\", \"name\": \"If a client gets hacked and sues us \u2014 are we covered?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes \u2014 cyber third-party coverage covers lawsuits from clients whose data has been compromised by an incident in your infrastructure. Essential for MSPs, integrators, and hosts. Usual limit is $1M to $5M.\"}}, {\"@type\": \"Question\", \"name\": \"Does Law 25 apply to us as IT providers?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes \u2014 if you handle personal information for your clients, you are co-responsible for processing. Obligations: designate a Chief Compliance Officer, maintain an incident register, notify in case of a breach. Your policy must include explicit coverage for 'Law 25 \/ Quebec regime'.\"}}, {\"@type\": \"Question\", \"name\": \"Our B2B contracts sometimes require $5M or $10M in coverage \u2014 is that possible?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes. Limits of $5M to $10M in E&O and cyber are common to meet B2B contractual requirements. Your insurance broker can issue a quick certificate (24-48 hours) upon client request. Additional cost per $1M: $200 to $600.\"}}, {\"@type\": \"Question\", \"name\": \"Our employees are working remotely \u2014 are we covered?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes. Most E&O policies cover remote work without additional premium. Equipment provided to employees (laptops) is covered through the 'off-premises equipment' endorsement of your property policy. Declare remote work at underwriting.\"}}, {\"@type\": \"Question\", \"name\": \"Can I limit my liability contractually to reduce my premium?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes. Insurers reward solid contracts with liability limitations (cap at 1-3x the annual value of the contract), exclusion clauses for indirect damages, arbitration clauses. Have your standard contracts validated by an IT lawyer.\"}}, {\"@type\": \"Question\", \"name\": \"Are SLA penalties covered?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Partially. Predefined contractual penalties (SLA) are generally excluded or sub-limited. Actual damages suffered by the client (proven loss of revenue) are covered through E&O. Read exclusions carefully with your broker.\"}}]}\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\": \"Home\", \"item\": \"https:\/\/assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Business Insurance\", \"item\": \"https:\/\/assur360.ca\/assurance-entreprise\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"IT Business Insurance\", \"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_titles_title":"Business Insurance Quebec 2026 | IT & Services","_seopress_titles_desc":"IT business insurance: professional liability, E&O, cyber, equipment. Developers, integrators, MSPs, SaaS. Submission in 2 min.   1-866-357-4451.","_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":"IT Business Insurance: Get a Quick Quote","_seopress_social_fb_desc":"Get an IT business insurance quote in 3 minutes. Compare several offers online now. ","_seopress_social_fb_img":"https:\/\/www.assur360.ca\/wp-content\/uploads\/2025\/05\/Assurance-Entreprise-informatique.png","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"IT Business Insurance: Get a Quick Quote","_seopress_social_twitter_desc":"Tailor-made insurance for IT companies: cyber risks, professional liability, equipment. Fast and free quote. ","_seopress_social_twitter_img":"https:\/\/www.assur360.ca\/wp-content\/uploads\/2025\/05\/Assurance-Entreprise-informatique-1-1.png","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"both","_seopress_redirections_param":"","_seopress_redirections_type":301,"_seopress_analysis_target_kw":"","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","yasr_pro_reviews_in_comment_enabled":0,"footnotes":""},"class_list":["post-19872","page","type-page","status-publish","has-post-thumbnail","hentry"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"_links":{"self":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/19872","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/users\/44"}],"replies":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/comments?post=19872"}],"version-history":[{"count":28,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/19872\/revisions"}],"predecessor-version":[{"id":57839,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/19872\/revisions\/57839"}],"up":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15787"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media\/26931"}],"wp:attachment":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media?parent=19872"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}