{"id":21167,"date":"2025-08-25T15:28:45","date_gmt":"2025-08-25T19:28:45","guid":{"rendered":"https:\/\/www.assur360.ca\/?page_id=21167"},"modified":"2026-06-26T03:41:20","modified_gmt":"2026-06-26T07:41:20","slug":"liability-insurance-it-consultation-quick-comparator","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/liability-insurance-it-consultation-quick-comparator\/","title":{"rendered":"IT Consulting Liability 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 Civil Liability Insurance for IT Consulting\", \"description\": \"Civil liability insurance for IT consultants: E&O, cyber, strategic consulting, architect. Starting at $900\/year. Quote in 2 min. 1-866-357-4451.\", \"url\": \"https:\/\/www.assur360.ca\/assurance-responsabilite-civile-consultation-en-ti\/\", \"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 CONSULTING<\/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=\"Civil-liability-insurance-for-IT-consultants-and-consulting-firms\"><\/span>Civil liability insurance for IT consultants and consulting firms<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 architect, security consultant, project manager, strategic advisor: protect your mandates against <strong>disputed recommendations and analysis errors<\/strong> with specialized E&#038;O.<\/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 $900<\/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 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;\">AMF<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Certified brokers<\/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;\">48 h<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Rapid Attestation<\/div>\n  <\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\">The IT consultant in Quebec lives on a fragile commodity: <strong>trust and the accuracy of his recommendations<\/strong>. An architect advising bad technology, a security consultant whose recommendations are circumvented by an incident, a project manager whose estimate is 200% exceeded \u2014 these situations regularly lead to lawsuits or reimbursement claims. A specialized IT consulting E&#038;O covers the financial damage caused by your advice, your analyses, your architectures, your audits. It is almost always required by <strong>institutional clients<\/strong> (government, banks, health).   <\/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\/rc-consultant-ti.jpg\" alt=\"IT Consultant in the Office \u2014 Assur360 Professional Liability\" 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=\"Professional-Liability-for-IT-Consulting\"><\/span>Professional Liability for IT Consulting<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\">Information technology consultants are prone to <strong>claims for erroneous advice, project delays, poor architecture, or failure to meet specifications<\/strong>. A single configuration error can cause considerable financial losses to the customer. <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Key Coverage:<\/strong> Professional liability (E&#038;O) with <strong>$1 to $5 million<\/strong>, plus a cyber guarantee for data leaks following a mandate. Typical cost: <strong>$900 to $3,500\/year<\/strong> depending on income and the type of mandates. <\/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-consultant\"><\/span>The 6 essential protections for an IT consultant<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;\">E&#038;O Consulting<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Contested recommendations, flawed analyses, inadequate architecture, incomplete audit.<\/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 Consultant<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Access to client systems during a mandate \u2013 in the event of an incident, you may be held liable.<\/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;\">Injury or damage during customer visits (rare but contractually required).<\/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;\">Defence costs<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Lawyers&#8217; fees, experts, mediation \u2014 even if the claim is unfounded.<\/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;\">Pre-contract protection<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Coverage of unsigned offers, verbal mandates, preliminary estimates.<\/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;\">Retroactivity<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Coverage for mandates completed prior to the policy, if no claim had been made.<\/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 consulting, your best shield isn&#8217;t your E&#038;O\u2014it&#8217;s your <strong>traceability<\/strong>. Document systematically: assumptions made, data received, limitations declared to the customer, alternatives presented, decisions approved in writing. A consultant who has documented everything wins 90% of the claims before the trial. A consultant who has not written anything may have his police refuse to defend for lack of evidence.   <\/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;\">How much does IT consultant E&#038;O insurance cost?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Between $900 and $4,500 per year for an independent consultant or small firm (1 to 5 people). For government or financial mandates with a $5 million limit: $3,500 to $8,000\/year. Cybersecurity consultants pay more (high 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;\">My customer contract requires $2M in E&#038;O \u2014 is that standard?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, this is the B2B minimum common in Quebec. Major contractors (government, financial sector, health, Hydro-Qu\u00e9bec) often demand <strong>$5 million to $10 million<\/strong>. Your broker can issue a nominative certificate in the client&#8217;s name within 48 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;\">A client disputes my recommendation 2 years after the mandate \u2014 am I covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">If your policy is still active AND if the date of the referral is <strong>later than the retroactive date<\/strong> of your policy. Keep your E&#038;O continuous even between mandates. An interruption can create a retroactive coverage gap.  <\/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 cybersecurity recommendations are not implemented and the customer is hacked \u2014 responsible?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Partially. If you have <strong>documented your recommendations and the client&#8217;s decision not to implement them<\/strong>, your liability is greatly reduced. Without documentation, the burden of proof lies with you. Your policy covers the costs of defending even if you are ultimately not at fault.   <\/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 my security audits covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes \u2014 <strong>audits and evaluations<\/strong> are at the heart of IT consulting E&#038;O. If an audit concludes that it is safe and an incident occurs, you may be held liable. Clear contractual limitations (scope, duration, scope) reduce 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;\">Are mandates abroad covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Generally yes for <strong>mandates in Canada and the United States<\/strong>. Mandates in Europe or Asia may require a geographical extension (&#8220;worldwide except US\/Canada&#8221; or &#8220;worldwide&#8221; endorsement). Declare any mandate outside Canada at the time of subscription.  <\/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 my subcontracts covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">The <strong>subcontractors<\/strong> you hire are covered if you declare them and require them to have their own E&#038;O. Always get a certificate from their insurer. Your subsidiary liability policy can intervene if their coverage is insufficient.  <\/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 verbal deliverables or informal advice covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes \u2014 your E&#038;O covers advice given in the course of your professional activity, even <strong>verbally or by informal email<\/strong>. Be careful: this justifies being careful with &#8220;free&#8221; or courtesy advice that can engage your responsibility. <\/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 do you keep an E&#038;O policy after retirement?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Ideally <strong>5 to 10 years after the end of activity<\/strong>, via an <strong>extended reporting period (ERP) \/ tail coverage<\/strong>. Claims can arise long after a mandate. A consultant who closes without an ERP may have to pay personally for any late claims.  <\/div>\n  <\/details>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"IT-consultants-throughout-Quebec\"><\/span>IT consultants 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>. Independent consultants in Montreal, consulting firms in Quebec City, cloud and security specialists in the regions: our brokers support all profiles, from solo freelancers to firms of 50 consultants. <\/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 &#038; Technology Insurance<\/div>\n  <\/a>\n<a href=\"\/assurance-entreprise-informatique\/\" 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 Business 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-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.cyber.gc.ca\/fr\" rel=\"nofollow noopener\" target=\"_blank\">Canadian Centre for Cyber Security<\/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\": \"How much does E&O insurance cost for IT consultants?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Between $900 and $4,500 per year for an independent consultant or small firm (1 to 5 people). For government or financial contracts with a $5M limit: $3,500 to $8,000\/year. Cybersecurity consultants pay more (high exposure).\"}}, {\"@type\": \"Question\", \"name\": \"My client contract requires $2M E&O \u2014 is this standard?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes, this is the common B2B minimum in Quebec. Large clients (government, financial sector, health, Hydro-Qu\u00e9bec) often require <strong>$5M to $10M. Your insurance broker can issue a named certificate for the client within 48 hours.\"}}, {\"@type\": \"Question\", \"name\": \"A client contests my recommendation 2 years after the mandate \u2014 am I covered?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"If your policy is still active AND if the date of the recommendation is <\/strong><strong>after the retroactive date of your policy. Keep your E&O continuously even between mandates. A gap can create a retroactive coverage hole.\"}}, {\"@type\": \"Question\", \"name\": \"My cybersecurity recommendations are not implemented and the client gets hacked \u2014 am I liable?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Partially. If you have <\/strong><strong>documented your recommendations and the client's decision not to implement them, your liability is significantly reduced. Without documentation, the burden of proof is on you. Your policy covers defense costs even if you are ultimately not liable.\"}}, {\"@type\": \"Question\", \"name\": \"Are my security audits covered?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes \u2014 audits and assessments are at the core of E&O IT consulting. If an audit concludes security and an incident occurs, your liability may be questioned. Clear contractual limitations (scope, duration, perimeter) reduce your exposure.\"}}, {\"@type\": \"Question\", \"name\": \"Are foreign mandates covered?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Generally yes for mandates in <\/strong><strong>Canada and the United States. Mandates in Europe or Asia may require a geographical extension (endorsement \u2018worldwide except US\/Canada\u2019 or \u2018worldwide\u2019). Declare any mandate outside Canada to underwriting.\"}}, {\"@type\": \"Question\", \"name\": \"Are my subcontracting contracts covered?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"The <\/strong><strong>subcontractors you hire are covered if you declare them and require them to have their own E&O. Always obtain a certificate from their insurer. Your excess liability policy may apply if their coverage is insufficient.\"}}, {\"@type\": \"Question\", \"name\": \"Are verbal deliverables or informal advice covered?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes \u2014 your E&O covers advice given in the course of your professional activity, even <\/strong><strong>verbally or via informal email. Caution: this justifies being careful with \u2018free\u2019 or courtesy advice that may expose you to liability.\"}}, {\"@type\": \"Question\", \"name\": \"How long should I keep an E&O policy after retirement?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Ideally <\/strong><strong>5 to 10 years after ceasing activity, via an <\/strong><strong>extended reporting period (ERP) \/ tail coverage. Claims can arise long after a mandate. A consultant who closes without ERP risks having to pay personally for any late claims.\"}}]}\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 Consulting Liability Insurance\", \"item\": \"https:\/\/www.assur360.ca\/assurance-responsabilite-civile-consultation-en-ti\/\"}]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>IT CONSULTING Civil liability insurance for IT consultants and consulting firms Software architect, security consultant, project manager, strategic advisor: protect your mandates [&hellip;]<\/p>\n","protected":false},"author":44,"featured_media":45214,"parent":15787,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"IT Consultant Liability Insurance Quebec 2026 | E&O IT Consulting","_seopress_titles_desc":"Civil liability insurance for IT consultants: E&O, cyber, strategic consulting, architect. 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