{"id":21193,"date":"2025-08-21T15:03:02","date_gmt":"2025-08-21T19:03:02","guid":{"rendered":"https:\/\/www.assur360.ca\/?page_id=21193"},"modified":"2026-04-20T15:22:54","modified_gmt":"2026-04-20T19:22:54","slug":"website-builder-liability-insurance-compare","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/website-builder-liability-insurance-compare\/","title":{"rendered":"Liability insurance for website creation"},"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 cr\u00e9ation de sites web\", \"description\": \"Assurance RC agence web et d\u00e9veloppeur : E&O, cyber, design, h\u00e9bergement. D\u00e8s 750 $\/an. Soumission en 2 min. 1-866-357-4451.\", \"url\": \"https:\/\/www.assur360.ca\/assurance-responsabilite-civile-creation-de-sites-web\/\", \"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;\">WEBSITE CREATION<\/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-web-agencies-designers-and-developers\"><\/span>Civil liability insurance for web agencies, designers and developers<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;\">Design, development, integration, hosting, SEO: a web agency is exposed to <strong>customer recourse for bugs, plagiarism, delays and security<\/strong>. Protect yourself with the right 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;\">From $750<\/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;\">$1M to $5M<\/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\">Web agencies and independent developers in Quebec experience <strong>specific risks<\/strong> : a site delivered with bugs that cause lost sales, a design that accidentally infringes a copyright, hosting that falls during a campaign, a security flaw exploited on a client site. Most B2B contracts today require $1 million to $2 million in E&amp;O. The right policy covers professional errors, accidental intellectual property infringement, customer lawsuits, defense costs, and cyber claims if your sites are compromised.  <\/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-creation-sites-web.jpg\" alt=\"Website creation studio \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-RC-for-website-builders\"><\/span>Professional RC for website builders<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\">Web design agencies and freelancers face <strong>claims for bugs, exposed vulnerabilities, delivery delays, plagiarized content or design deemed not to be delivered in accordance with<\/strong> the specifications.<\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Recommended coverage:<\/strong> E&#038;O $1 million, general liability $2 million and <em>media liability<\/em> coverage for content (text, images, videos). Average premium: <strong>$700 to $2,000\/year<\/strong> for a studio for 1 to 5 people. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-6-essential-protections-for-a-web-agency\"><\/span>The 6 essential protections for a web agency<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;\">Web E&#038;O and design<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Bugs, missing features, off-spec deliverables, contract delays.<\/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 and site security<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Security flaw (SQL injection, XSS) exploited on a delivered site. Customer data leak. <\/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;\">Intellectual property<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Accidental copyright infringement (image, font, code). RC including intellectual property. <\/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;\">Contractual liability<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Contractual breaches: deadlines, hosting SLAs, SEO commitments, performance guarantees.<\/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 included in the limit \u2014 essential for small agencies.<\/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-delivered protection<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Retroactive for projects completed before the policy (if non-claim at the time of underwriting).<\/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;\">The first cause of disputes in web agencies is not a bug \u2014 it&#8217;s <strong>the vagueness of the scope<\/strong>. A client thinks he has ordered 5 pages, the agency has delivered 5 pages, but the client was expecting features that were not explained. Document each deliverable with: signed mock-ups, functional spec validated in writing, separately encrypted change requests. A clear contract reduces the risk of a claim by 80% \u2014 your E&#038;O takes care of the rest.   <\/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 an E&#038;O cost for a web agency or independent developer?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Between $750 and $3,500 per year for a freelancer or small agency (1 to 10 people). The price depends on the turnover, the type of mandates (riskier e-commerce) and the limit chosen ($1 million to $5 million). Agencies with government mandates pay more.  <\/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 site delivered has a critical bug that causes the customer to lose sales \u2014 covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, through your <strong>E&#038;O<\/strong>. Covers demonstrable financial damage (loss of revenue during the incident, correction costs, end-customer compensation). A <strong>limitation of liability<\/strong> clause in your contract also limits the maximum amount.  <\/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;\">I used an image without a license \u2014 the owner is suing me, covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, via <strong>the intellectual property liability<\/strong> (included in most E&#038;O web agencies). Covers accidental infringements: Getty image used without license, Adobe font not purchased, GPL code embedded without respecting license. Document your sources to speed up processing.  <\/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;\">An e-commerce site I delivered is hacked \u2014 am I responsible?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Potentially, if the exploited flaw was detectable (SQL injection, classic XSS). Your <strong>cyber third party<\/strong> covers the lawsuits of the customer and its own end customers whose data has been exposed. Highly recommended for e-commerce and SaaS.  <\/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 B2B contracts require $2M in E&#038;O \u2014 possible for a small agency?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, very common. Limit $2 million for an agency of 2 to 5 people: $900 to $2,200\/year. The nominative certificate in the name of the customer is issued within 48 hours. Major contractors are increasingly demanding this limit.   <\/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;\">I outsource to independent developers \u2014 covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">The <strong>subcontractors<\/strong> you hire are usually covered if you declare them and require their own E&#038;O. Get a certificate from their insurer and specify in your contract that they are responsible for their deliverable. Your policy covers subsidiary liability.  <\/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 SEO mandates with guaranteed results covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Caution. <strong>Result guarantees<\/strong> (&#8220;top 3 Google in 6 months&#8221;) are often seen as contractual commitments rather than professional advice. Your E&#038;O may deny the claim. Formulate rather in &#8220;effort and methodology&#8221; rather than in a guarantee of ranking.   <\/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 international customers (US, Europe) covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Generally yes for <strong>Canada\/U.S. mandates<\/strong>. European mandates may require a &#8220;worldwide&#8221; extension ($100 to $500\/year). Watch out for <strong>GDPR<\/strong> for sites serving European users \u2014 your cyber must explicitly mention this.  <\/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;\">After my branch closes, do I have to maintain my E&#038;O?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Ideally <strong>5 to 10 years<\/strong> via an <strong>extended reporting period<\/strong>. Claims can arise long after a project has been made. A freelancer who ceases his activity without an ERP is personally exposed to late prosecution.  <\/div>\n  <\/details>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Web-agencies-and-developers-throughout-Quebec\"><\/span>Web agencies and developers 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>. Web agency boutiques in Montreal, creative studios in Quebec City, freelancers in the regions, specialized e-commerce agencies in Sherbrooke, Laval, Gatineau: our brokers support all profiles of web creators. <\/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=\"\/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\/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=\"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=\"\/entreprise-graphisme\/\" 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;\">Graphic Design Business 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 \u2014 IT Sector<\/a><\/li>\n<li><a href=\"https:\/\/www.ic.gc.ca\/eic\/site\/cipointernet-internetopic.nsf\/fra\/accueil\" rel=\"nofollow noopener\" target=\"_blank\">Canadian Intellectual Property Office<\/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 E&O pour agence web ou d\u00e9veloppeur ind\u00e9pendant ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Entre 750 $ et 3 500 $ par ann\u00e9e pour un freelance ou petite agence (1 \u00e0 10 personnes). Le prix d\u00e9pend du chiffre d'affaires, du type de mandats (e-commerce plus risqu\u00e9) et de la limite choisie (1 M$ \u00e0 5 M$). Les agences avec mandats gouvernementaux paient davantage.\"}}, {\"@type\": \"Question\", \"name\": \"Un site livr\u00e9 a un bug critique qui fait perdre des ventes au client \u2014 couvert ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, via votre <strong>E&O. Couvre les dommages financiers d\u00e9montrables (perte de revenus pendant l'incident, frais de correction, compensations clients finaux). Une clause de <\/strong><strong>limitation de responsabilit\u00e9 dans votre contrat limite aussi le montant maximal.\"}}, {\"@type\": \"Question\", \"name\": \"J'ai utilis\u00e9 une image sans licence \u2014 le propri\u00e9taire me poursuit, couvert ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, via la <\/strong><strong>RC propri\u00e9t\u00e9 intellectuelle (incluse dans la plupart des E&O agences web). Couvre les violations accidentelles : image Getty utilis\u00e9e sans licence, police Adobe non achet\u00e9e, code GPL int\u00e9gr\u00e9 sans respecter la licence. Documentez vos sources pour acc\u00e9l\u00e9rer le traitement.\"}}, {\"@type\": \"Question\", \"name\": \"Un site e-commerce que j'ai livr\u00e9 est pirat\u00e9 \u2014 suis-je responsable ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Potentiellement, si la faille exploit\u00e9e \u00e9tait d\u00e9tectable (injection SQL, XSS classique). Votre <\/strong><strong>cyber tiers partie couvre les poursuites du client et de ses propres clients finaux dont les donn\u00e9es ont \u00e9t\u00e9 expos\u00e9es. Fortement recommand\u00e9e pour e-commerce et SaaS.\"}}, {\"@type\": \"Question\", \"name\": \"Mes contrats B2B exigent 2 M$ d'E&O \u2014 possible pour une petite agence ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, tr\u00e8s courant. Limite 2 M$ pour une agence de 2 \u00e0 5 personnes : 900 $ \u00e0 2 200 $\/an. L'attestation nominative au nom du client est \u00e9mise en 48 h. Les grands donneurs d'ordres exigent de plus en plus cette limite.\"}}, {\"@type\": \"Question\", \"name\": \"Je sous-traite \u00e0 des d\u00e9veloppeurs ind\u00e9pendants \u2014 couverts ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Les <\/strong><strong>sous-traitants que vous engagez sont g\u00e9n\u00e9ralement couverts si vous les d\u00e9clarez et exigez leur propre E&O. Obtenez une attestation de leur assureur et pr\u00e9cisez dans votre contrat qu'ils assument leur responsabilit\u00e9 pour leur livrable. Votre police intervient en RC subsidiaire.\"}}, {\"@type\": \"Question\", \"name\": \"Les mandats SEO avec garantie de r\u00e9sultat sont-ils couverts ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Prudence. Les <\/strong><strong>garanties de r\u00e9sultat (\u00ab top 3 Google en 6 mois \u00bb) sont souvent consid\u00e9r\u00e9es comme des engagements contractuels plut\u00f4t que des conseils professionnels. Votre E&O peut refuser la r\u00e9clamation. Formulez plut\u00f4t en \u00ab effort et m\u00e9thodologie \u00bb plut\u00f4t qu'en garantie de classement.\"}}, {\"@type\": \"Question\", \"name\": \"Mes clients internationaux (US, Europe) sont-ils couverts ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"G\u00e9n\u00e9ralement oui pour les mandats <\/strong><strong>Canada\/\u00c9tats-Unis. Les mandats europ\u00e9ens peuvent n\u00e9cessiter une extension \u00ab worldwide \u00bb (100 $ \u00e0 500 $\/an). Attention au <\/strong><strong>RGPD pour les sites servant des utilisateurs europ\u00e9ens \u2014 votre cyber doit explicitement le mentionner.\"}}, {\"@type\": \"Question\", \"name\": \"Apr\u00e8s la fermeture de mon agence, dois-je maintenir mon E&O ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Id\u00e9alement <\/strong><strong>5 \u00e0 10 ans via un <\/strong><strong>extended reporting period. Les r\u00e9clamations peuvent survenir longtemps apr\u00e8s un projet. 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