{"id":21202,"date":"2025-08-23T15:21:58","date_gmt":"2025-08-23T19:21:58","guid":{"rendered":"https:\/\/www.assur360.ca\/?page_id=21202"},"modified":"2026-04-20T15:22:55","modified_gmt":"2026-04-20T19:22:55","slug":"artificial-intelligence-civil-liability-insurance-comparator","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/artificial-intelligence-civil-liability-insurance-comparator\/","title":{"rendered":"Artificial intelligence 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 intelligence artificielle\", \"description\": \"Assurance RC pour entreprises en intelligence artificielle : E&O mod\u00e8le, biais, hallucination, donn\u00e9es. D\u00e8s 3 000 $\/an. 1-866-357-4451.\", \"url\": \"https:\/\/www.assur360.ca\/assurance-responsabilite-civile-intelligence-artificielle\/\", \"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;\">ARTIFICIAL INTELLIGENCE<\/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=\"Artificial-intelligence-business-liability-insurance\"><\/span>Artificial intelligence business liability 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;\">Model development, LLM, ML, generative AI, sectoral AI solutions: a new field, specific risks. Protect yourself with <strong>E&#038;O adapted to AI risks<\/strong> : hallucinations, bias, training data, automated decisions. <\/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 $3,000<\/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;\">Bill 25 &#038; AI<\/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>Companies that develop or integrate <strong>artificial intelligence<\/strong> in Quebec face an emerging category of risks: <strong>hallucinations<\/strong> of models generating false information, <strong>discriminatory biases<\/strong> in automated decisions, copyright violations via training data, privacy-related incidents (Bill 25 + future Canadian AI framework), damage caused by decisions made by a model without human supervision.  Traditional E&amp;O fonts are often unsuitable and explicitly exclude AI. A specialized AI policy explicitly mentions: LLMs, predictive ML, vision, generative AI, and covers third-party lawsuits related to model outputs.  <\/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-intelligence-artificielle.jpg\" alt=\"AI Team Development \u2014 Assur360 AI Business 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-artificial-intelligence-companies\"><\/span>Professional liability for artificial intelligence companies<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\">Companies developing <strong>AI, machine learning or generative model<\/strong> solutions are faced with new risks: algorithmic bias, hallucinations, intellectual property infringement, and erroneous automated decisions.<\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>A special feature is that<\/strong> few traditional insurers accept AI risks. An independent broker like Assur360 has access to specialized markets (Lloyd&#8217;s, Beazley, Coalition) that specifically cover risks related to artificial intelligence. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-6-essential-protections-for-an-AI-company\"><\/span>The 6 essential protections for an AI company<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 model and AI outputs<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Hallucinations, misinformation, contested automated decisions, discriminatory biases.<\/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;\">Copyright infringements by training data, use of code\/images under restrictive license.<\/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;\">Data and Law 25<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Processing of personal information, anonymization, compliance with Bill 25 and future AI executives.<\/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 Infrastructure<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Targeted attacks on models (adversarial), model exfiltration, API compromise.<\/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;\">RC AI products<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Damage caused by an embedded AI product (robotics, autonomous vehicle, medical diagnosis).<\/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;\">D&#038;O Leaders<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Personal lawsuits following contested AI ethics or governance decisions.<\/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;\">Generic E&#038;O policies increasingly include <strong>&#8220;AI&#8221; or &#8220;machine learning&#8221; exclusions<\/strong>. A consultant who has switched from classic dev to AI solutions without updating his policy may find himself without coverage. Require a font that <strong>explicitly mentions<\/strong> your AI use cases (LLM, classification, prediction, content generation, detection). Without it, your coverage is illusory the day a customer disputes a model exit.   <\/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 for an AI company cost in Quebec?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Between $3,000 and $15,000 per year for an SME with 3 to 25 employees. Companies that deploy AI in healthcare, finance, or HR pay more (risks of contested automated decisions). AI startups often start at $2,500\/year for a $1M 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;\">A hallucination of our LLM causes a financial loss to a client \u2014 covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, if your font <strong>explicitly includes the outputs of AI models<\/strong>. Generic fonts often exclude &#8220;auto-generated content.&#8221; Require a specific &#8220;AI outputs and hallucinations&#8221; clause. Usual limit $2 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;\">Our model unintentionally discriminates against protected groups \u2014 exposure?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes \u2014 <strong>algorithmic biases<\/strong> are generating increasing lawsuits (employment, credit, insurance, health). Your E&#038;O can cover the damage if you had documented testing and auditing procedures. The lack of bias audits is an aggravating factor.  <\/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;\">The training data in our model includes protected content \u2014 covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\"><strong>AI specialized intellectual property liability<\/strong> covers unintentional infringements. Policies increasingly require a <strong>documented data sourcing policy<\/strong> (licenses, opt-outs, consents). Unlicensed scraped data is a growing risk.  <\/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 automated decisions?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes \u2014 Bill 25 <strong>imposes an obligation of transparency<\/strong> on decisions made by automated systems with legal effect. The customer must be able to request a human review. Your policy must explicitly include Bill 25 and anticipate the federal <strong>Artificial Intelligence and Data Act (AIDA).<\/strong>  <\/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 medical diagnostic model is wrong \u2014 responsible?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, partially. <strong>Healthy RNs<\/strong> are classified as medical devices by Health Canada. Your E&#038;O must be <strong>explicitly specialized in health<\/strong>, with a minimum limit of $5 million. Mandatory human supervision greatly reduces 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;\">A competitor is stealing our model via a public API \u2014 covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\"><strong>Model stealing<\/strong>, adversarial distillation can be covered by a specialized AI cyber specialist. Recommended measures: rate limiting, watermarking of exits, detection of abuse. Document these measures \u2014 they reduce premiums and increase recourse.  <\/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 chatbots generate advice that users follow \u2014 responsible?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Potentially. <strong>Consumer chatbots<\/strong> must clearly display their limitations (&#8220;does not replace a professional&#8221;). Without a clear disclaimer, your exposure increases. Your E&#038;O policy should include &#8220;end-user interactions,&#8221; not just B2B interactions.   <\/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;\">Investors and advisors demand AI insurance \u2014 mandatory?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">More and more. <strong>Investors (VC, CPQ, IQ)<\/strong> and boards of directors are demanding E&#038;O AI from Series A. Common levels: $2 million start-up, $5 million growth, $10 million enterprise-wide. Factor the cost into your financial projections.  <\/div>\n  <\/details>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"AI-companies-across-Quebec\"><\/span>AI companies across 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>. Montreal&#8217;s AI ecosystem (Mila, IVADO, Plateau\/Mile-Ex startups), AI firms in Quebec City, university spin-offs in Sherbrooke, regional AI consultants: our brokers know the specific challenges of this fast-growing ecosystem. <\/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-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:\/\/conseilinnovation.quebec\/\" rel=\"nofollow noopener\" target=\"_blank\">Conseil de l&#8217;innovation du Qu\u00e9bec \u2014 IA<\/a><\/li>\n<li><a href=\"https:\/\/www.cai.gouv.qc.ca\/loi-25\/\" rel=\"nofollow noopener\" target=\"_blank\">Bill 25 &amp; Automated Decisions<\/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 entreprise en IA au Qu\u00e9bec ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Entre 3 000 $ et 15 000 $ par ann\u00e9e pour une PME de 3 \u00e0 25 personnes. Les entreprises qui d\u00e9ploient de l'IA en sant\u00e9, en finance ou en RH paient davantage (risques de d\u00e9cisions automatis\u00e9es contest\u00e9es). Les startups IA d\u00e9marrent souvent \u00e0 2 500 $\/an pour 1 M$ de limite.\"}}, {\"@type\": \"Question\", \"name\": \"Une hallucination de notre LLM cause une perte financi\u00e8re chez un client \u2014 couvert ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, si votre police <strong>inclut explicitement les sorties de mod\u00e8les IA. Les polices g\u00e9n\u00e9riques excluent souvent les \u00ab contenus g\u00e9n\u00e9r\u00e9s automatiquement \u00bb. Exigez une clause sp\u00e9cifique \u00ab AI outputs and hallucinations \u00bb. Limite usuelle 2 M$ \u00e0 5 M$.\"}}, {\"@type\": \"Question\", \"name\": \"Notre mod\u00e8le discrimine involontairement des groupes prot\u00e9g\u00e9s \u2014 exposition ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui \u2014 les <\/strong><strong>biais algorithmiques g\u00e9n\u00e8rent des poursuites croissantes (emploi, cr\u00e9dit, assurance, sant\u00e9). Votre E&O peut couvrir les dommages si vous aviez des proc\u00e9dures de test et d'audit document\u00e9es. L'absence d'audit des biais est un facteur aggravant.\"}}, {\"@type\": \"Question\", \"name\": \"Les donn\u00e9es d'entra\u00eenement de notre mod\u00e8le incluent du contenu prot\u00e9g\u00e9 \u2014 couvert ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"La <\/strong><strong>RC propri\u00e9t\u00e9 intellectuelle sp\u00e9cialis\u00e9e IA couvre les violations involontaires. Les polices exigent de plus en plus une <\/strong><strong>politique document\u00e9e de sourcing des donn\u00e9es (licences, opt-out, consentements). Les donn\u00e9es scrapp\u00e9es sans licence sont un risque croissant.\"}}, {\"@type\": \"Question\", \"name\": \"La Loi 25 s'applique-t-elle aux d\u00e9cisions automatis\u00e9es ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui \u2014 la Loi 25 impose une <\/strong><strong>obligation de transparence sur les d\u00e9cisions prises par des syst\u00e8mes automatis\u00e9s avec effet juridique. Le client doit pouvoir demander une r\u00e9vision humaine. Votre police doit explicitement inclure la Loi 25 et anticiper la <\/strong><strong>Loi sur l'intelligence artificielle et les donn\u00e9es (LIAD) f\u00e9d\u00e9rale.\"}}, {\"@type\": \"Question\", \"name\": \"Notre mod\u00e8le diagnostique m\u00e9dical se trompe \u2014 responsable ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, partiellement. Les <\/strong><strong>IA en sant\u00e9 sont class\u00e9es comme dispositifs m\u00e9dicaux par Sant\u00e9 Canada. Votre E&O doit \u00eatre <\/strong><strong>explicitement sp\u00e9cialis\u00e9e sant\u00e9, avec limite minimale 5 M$. Une supervision humaine obligatoire r\u00e9duit fortement votre exposition.\"}}, {\"@type\": \"Question\", \"name\": \"Un concurrent vole notre mod\u00e8le via une API publique \u2014 couvert ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"L'<\/strong><strong>exfiltration de mod\u00e8le (model stealing, distillation adversarial) peut \u00eatre couverte par une cyber sp\u00e9cialis\u00e9e IA. Les mesures recommand\u00e9es : rate limiting, watermarking des sorties, d\u00e9tection d'abus. Documentez ces mesures \u2014 elles r\u00e9duisent la prime et renforcent les recours.\"}}, {\"@type\": \"Question\", \"name\": \"Nos chatbots g\u00e9n\u00e8rent des conseils que des utilisateurs suivent \u2014 responsable ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Potentiellement. Les <\/strong><strong>chatbots grand public doivent afficher clairement leurs limites (\u00ab ne remplace pas un professionnel \u00bb). Sans disclaimer clair, votre exposition augmente. Votre police E&O doit inclure les \u00ab interactions utilisateur final \u00bb, pas seulement les interactions B2B.\"}}, {\"@type\": \"Question\", \"name\": \"Les investisseurs et conseils exigent une assurance IA \u2014 obligatoire ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"De plus en plus. Les <\/strong><strong>investisseurs (VC, CPQ, IQ) et conseils d'administration exigent une E&O IA \u00e0 partir de la s\u00e9rie A. Niveaux courants : 2 M$ au d\u00e9marrage, 5 M$ en croissance, 10 M$ \u00e0 l'\u00e9chelle enterprise. Pr\u00e9voyez le co\u00fbt dans vos projections financi\u00e8res.\"}}]}\n<!-- wpml:html_fragment <\/strong><\/script>  -->\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"BreadcrumbList\", \"itemListElement\": [{\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Accueil\", \"item\": \"https:\/\/assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Assurance entreprise\", \"item\": \"https:\/\/assur360.ca\/assurance-entreprise\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Assurance RC intelligence artificielle\", \"item\": \"https:\/\/www.assur360.ca\/assurance-responsabilite-civile-intelligence-artificielle\/\"}]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>ARTIFICIAL INTELLIGENCE Artificial intelligence business liability insurance Model development, LLM, ML, generative AI, sectoral AI solutions: a new field, specific risks. Protect [&hellip;]<\/p>\n","protected":false},"author":44,"featured_media":45224,"parent":15787,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"Artificial Intelligence Civil Liability Insurance Quebec 2026 | AI & ML","_seopress_titles_desc":"Civil liability insurance for companies in artificial intelligence: E&O model, bias, hallucination, data. From $3,000\/year.  1-866-357-4451.","_seopress_robots_index":"","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-21202","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\/21202","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=21202"}],"version-history":[{"count":24,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/21202\/revisions"}],"predecessor-version":[{"id":57960,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/21202\/revisions\/57960"}],"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\/45224"}],"wp:attachment":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media?parent=21202"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}