{"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":"2026-04-20T15:22:56","modified_gmt":"2026-04-20T19:22:56","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 Assurance RC consultation en TI\", \"description\": \"Assurance RC pour consultant TI : E&O, cyber, conseil strat\u00e9gique, architecte. D\u00e8s 900 $\/an. Soumission en 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\": \"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 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>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&amp;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;\">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\": \"Combien co\u00fbte une assurance E&O pour consultant TI ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Entre 900 $ et 4 500 $ par ann\u00e9e pour un consultant ind\u00e9pendant ou petite firme (1 \u00e0 5 personnes). Pour des mandats gouvernementaux ou financiers \u00e0 5 M$ de limite : 3 500 $ \u00e0 8 000 $\/an. Les consultants en cybers\u00e9curit\u00e9 paient davantage (exposition \u00e9lev\u00e9e).\"}}, {\"@type\": \"Question\", \"name\": \"Mon contrat client exige 2 M$ d'E&O \u2014 est-ce standard ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, c'est le minimum B2B courant au Qu\u00e9bec. Les grands donneurs d'ordres (gouvernement, secteur financier, sant\u00e9, Hydro-Qu\u00e9bec) exigent souvent <strong>5 M$ \u00e0 10 M$. Votre courtier peut \u00e9mettre une attestation nominative au nom du client en 48 h.\"}}, {\"@type\": \"Question\", \"name\": \"Un client conteste ma recommandation 2 ans apr\u00e8s le mandat \u2014 suis-je couvert ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Si votre police est toujours active ET si la date de la recommandation est <\/strong><strong>post\u00e9rieure \u00e0 la date de r\u00e9troactivit\u00e9 de votre police. Conservez votre E&O en continu m\u00eame entre mandats. Une interruption peut cr\u00e9er un trou de couverture r\u00e9troactive.\"}}, {\"@type\": \"Question\", \"name\": \"Mes recommandations en cybers\u00e9curit\u00e9 ne sont pas appliqu\u00e9es et le client se fait pirater \u2014 responsable ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Partiellement. Si vous avez <\/strong><strong>document\u00e9 vos recommandations et la d\u00e9cision du client de ne pas les appliquer, votre responsabilit\u00e9 est fortement r\u00e9duite. Sans documentation, la charge de la preuve vous incombe. Votre police couvre les frais de d\u00e9fense m\u00eame si vous \u00eates ultimement non responsable.\"}}, {\"@type\": \"Question\", \"name\": \"Mes audits de s\u00e9curit\u00e9 sont-ils couverts ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui \u2014 les <\/strong><strong>audits et \u00e9valuations sont au c\u0153ur de l'E&O consultation TI. Si un audit conclut \u00e0 la s\u00e9curit\u00e9 et qu'un incident survient, votre responsabilit\u00e9 peut \u00eatre mise en cause. Limitations contractuelles claires (scope, dur\u00e9e, p\u00e9rim\u00e8tre) r\u00e9duisent votre exposition.\"}}, {\"@type\": \"Question\", \"name\": \"Les mandats \u00e0 l'\u00e9tranger sont-ils couverts ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"G\u00e9n\u00e9ralement oui pour les mandats au <\/strong><strong>Canada et aux \u00c9tats-Unis. Les mandats en Europe ou en Asie peuvent n\u00e9cessiter une extension g\u00e9ographique (avenant \u00ab worldwide except US\/Canada \u00bb ou \u00ab worldwide \u00bb). D\u00e9clarez tout mandat hors Canada \u00e0 la souscription.\"}}, {\"@type\": \"Question\", \"name\": \"Mes contrats de sous-traitance sont-ils couverts ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Les <\/strong><strong>sous-traitants que vous engagez sont couverts si vous les d\u00e9clarez et si vous exigez qu'ils aient leur propre E&O. Obtenez syst\u00e9matiquement une attestation de leur assureur. Votre police RC subsidiaire peut intervenir si leur couverture est insuffisante.\"}}, {\"@type\": \"Question\", \"name\": \"Les livrables verbaux ou les conseils informels sont-ils couverts ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui \u2014 votre E&O couvre les conseils donn\u00e9s dans le cadre de votre activit\u00e9 professionnelle, m\u00eame <\/strong><strong>verbalement ou par courriel informel. Attention : cela justifie d'\u00eatre prudent avec les conseils \u00ab gratuits \u00bb ou de courtoisie qui peuvent engager votre responsabilit\u00e9.\"}}, {\"@type\": \"Question\", \"name\": \"Combien de temps garder une police E&O apr\u00e8s la retraite ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Id\u00e9alement <\/strong><strong>5 \u00e0 10 ans apr\u00e8s la fin d'activit\u00e9, via une <\/strong><strong>extended reporting period (ERP) \/ tail coverage. Les r\u00e9clamations peuvent survenir longtemps apr\u00e8s un mandat. 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