{"id":68160,"date":"2026-05-22T01:04:38","date_gmt":"2026-05-22T05:04:38","guid":{"rendered":"https:\/\/www.assur360.ca\/business-insurance-3-minute-quote\/commercial-general-liability-in-quebec-2026-guide\/"},"modified":"2026-06-26T00:19:55","modified_gmt":"2026-06-26T04:19:55","slug":"commercial-general-liability-in-quebec-2026-guide","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/commercial-general-liability-in-quebec-2026-guide\/","title":{"rendered":"Commercial General Liability in Quebec \u2014 2026 Guide"},"content":{"rendered":"<style>#ez-toc-container{display:none!important}<\/style><div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);padding:60px 30px;border-radius:14px;margin:0 0 40px;text-align:center;color:#fff;\">\n<span style=\"display:inline-block;background:rgba(16,196,199,0.18);color:#10c4c7;padding:6px 18px;border-radius:20px;font-size:13px;font-weight:600;letter-spacing:1px;margin-bottom:18px;\">RC BUSINESS<\/span>\n<h1 style=\"color:#fff;font-size:clamp(28px,4vw,42px);font-weight:800;line-height:1.15;margin:0 0 18px;\"><span class=\"ez-toc-section\" id=\"Civil-Liability-for-Businesses-in-Quebec\"><\/span>Civil Liability for Businesses in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p style=\"color:#94a3b8;font-size:18px;max-width:720px;margin:0 auto 28px;line-height:1.55;\">Protect your SME against third-party claims: injuries, property damage, professional errors, defective products. Compare 9+ insurers through certified AMF partner firms in 3 minutes.<\/p>\n<a href=\"https:\/\/www.assur360.ca\/soumission-assurance-entreprise-en-ligne\/\" style=\"display:inline-block;background:#10c4c7;color:#fff;padding:14px 32px;border-radius:30px;font-weight:700;text-decoration:none;font-size:16px;\">Compare 3 Liability Quotes<\/a>\n<\/div><div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:24px;padding:32px;background:#f8fafc;border-radius:12px;margin:0 0 40px;\"><div style=\"text-align:center;\"><div style=\"font-size:32px;font-weight:800;color:#10c4c7;line-height:1;\">$1-2M<\/div><div style=\"font-size:13px;color:#475569;text-transform:uppercase;letter-spacing:1px;margin-top:6px;\">Standard Coverage<\/div><\/div><div style=\"text-align:center;\"><div style=\"font-size:32px;font-weight:800;color:#10c4c7;line-height:1;\">3 min<\/div><div style=\"font-size:13px;color:#475569;text-transform:uppercase;letter-spacing:1px;margin-top:6px;\">Quote<\/div><\/div><div style=\"text-align:center;\"><div style=\"font-size:32px;font-weight:800;color:#10c4c7;line-height:1;\">9+<\/div><div style=\"font-size:13px;color:#475569;text-transform:uppercase;letter-spacing:1px;margin-top:6px;\">Insurers<\/div><\/div><div style=\"text-align:center;\"><div style=\"font-size:32px;font-weight:800;color:#10c4c7;line-height:1;\">AMF<\/div><div style=\"font-size:13px;color:#475569;text-transform:uppercase;letter-spacing:1px;margin-top:6px;\">Partner Firms<\/div><\/div><\/div><h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:28px;font-weight:800;margin:40px 0 16px;\"><span class=\"ez-toc-section\" id=\"What-is-commercial-civil-liability\"><\/span>What is commercial civil liability?<span class=\"ez-toc-section-end\"><\/span><\/h2><p class=\"wp-block-paragraph\" style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 16px;\">Commercial civil liability (RC) protects your SME against <strong>financial claims from third parties<\/strong> (customers, suppliers, passers-by, employees) following bodily injury or material damage caused by your activity. In Quebec, this coverage is essential for any business \u2014 without it, you pay for judgments and legal fees out of your own pocket. <\/p><p class=\"wp-block-paragraph\" style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 16px;\">Unlike property insurance (which covers YOUR property), civil liability covers <strong>the consequences of your actions on others<\/strong>.<\/p><h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:28px;font-weight:800;margin:40px 0 16px;\"><span class=\"ez-toc-section\" id=\"The-4-essential-types-of-liability-insurance-for-an-SME\"><\/span>The 4 essential types of liability insurance for an SME<span class=\"ez-toc-section-end\"><\/span><\/h2><div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px;margin:24px 0;\"><div style=\"background:#fff;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;box-shadow:0 1px 3px rgba(0,0,0,.06);\"><h3 style=\"font-size:17px;color:#0d1f2d;margin:0 0 10px;font-weight:700;\">General Liability (CGL)<\/h3><p style=\"color:#475569;font-size:14px;margin:0;line-height:1.6;\">Injury to a visitor on your premises, water damage to a customer, theft committed by an employee. Standard coverage $1 to $5 million. <\/p><\/div><div style=\"background:#fff;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;box-shadow:0 1px 3px rgba(0,0,0,.06);\"><h3 style=\"font-size:17px;color:#0d1f2d;margin:0 0 10px;font-weight:700;\">Professional Liability (E&#038;O)<\/h3><p style=\"color:#475569;font-size:14px;margin:0;line-height:1.6;\">Errors and omissions in your services. Essential for consultants, engineers, accountants, agencies. Coverage $1 to $5 million.  <\/p><\/div><div style=\"background:#fff;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;box-shadow:0 1px 3px rgba(0,0,0,.06);\"><h3 style=\"font-size:17px;color:#0d1f2d;margin:0 0 10px;font-weight:700;\">Product Liability<\/h3><p style=\"color:#475569;font-size:14px;margin:0;line-height:1.6;\">Damage caused by a defective product that you manufacture or sell. Usually included in CGL. <\/p><\/div><div style=\"background:#fff;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;box-shadow:0 1px 3px rgba(0,0,0,.06);\"><h3 style=\"font-size:17px;color:#0d1f2d;margin:0 0 10px;font-weight:700;\">Employer Liability<\/h3><p style=\"color:#475569;font-size:14px;margin:0;line-height:1.6;\">If an employee is injured outside the CNESST or sued for harassment. Often an option to add. <\/p><\/div><div style=\"background:#fff;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;box-shadow:0 1px 3px rgba(0,0,0,.06);\"><h3 style=\"font-size:17px;color:#0d1f2d;margin:0 0 10px;font-weight:700;\">Cyber Liability<\/h3><p style=\"color:#475569;font-size:14px;margin:0;line-height:1.6;\">Data breach, personal information leak. Bill 25 mandatory in QC since 2024. <\/p><\/div><div style=\"background:#fff;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;box-shadow:0 1px 3px rgba(0,0,0,.06);\"><h3 style=\"font-size:17px;color:#0d1f2d;margin:0 0 10px;font-weight:700;\">Directors&#8217; Liability (D&#038;O)<\/h3><p style=\"color:#475569;font-size:14px;margin:0;line-height:1.6;\">Directors&#8217; decisions sued by shareholders\/employees. For incorporated. <\/p><\/div><\/div><h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:28px;font-weight:800;margin:40px 0 16px;\"><span class=\"ez-toc-section\" id=\"2026-Quebec-Business-Liability-Award\"><\/span>2026 Quebec Business Liability Award<span class=\"ez-toc-section-end\"><\/span><\/h2><p class=\"wp-block-paragraph\" style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 16px;\">Here are the typical ranges observed in 2026 depending on the industry:<\/p><div style=\"overflow-x:auto;margin:24px 0;\"><table style=\"width:100%;border-collapse:collapse;border-radius:8px;overflow:hidden;font-size:14.5px;\"><thead><tr><th style=\"padding:12px 14px;text-align:left;background:#0d1f2d;color:#fff;font-weight:600;\">SME Sector<\/th><th style=\"padding:12px 14px;text-align:left;background:#0d1f2d;color:#fff;font-weight:600;\">Turnover<\/th><th style=\"padding:12px 14px;text-align:left;background:#0d1f2d;color:#fff;font-weight:600;\">Annual liability premium ($1 million)<\/th><\/tr><\/thead><tbody><tr style=\"background:#fff;\"><td style=\"padding:11px 14px;color:#475569;border-bottom:1px solid #e2e8f0;\">Consultant \/ Agency (E&#038;O included)<\/td><td style=\"padding:11px 14px;color:#475569;border-bottom:1px solid #e2e8f0;\">$100,000 &#8211; $500,800<\/td> <td style=\"padding:11px 14px;color:#475569;border-bottom:1px solid #e2e8f0;\">&#8211; $2,500<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:11px 14px;color:#475569;border-bottom:1px solid #e2e8f0;\">Professional Office (Lawyers, Accountants)<\/td><td style=\"padding:11px 14px;color:#475569;border-bottom:1px solid #e2e8f0;\">$200,000 &#8211; $1M<\/td><td style=\"padding:11px 14px;color:#475569;border-bottom:1px solid #e2e8f0;\">$1,200 &#8211; $3,500<\/td><\/tr><tr style=\"background:#fff;\"><td style=\"padding:11px 14px;color:#475569;border-bottom:1px solid #e2e8f0;\">Retail<\/td><td style=\"padding:11px 14px;color:#475569;border-bottom:1px solid #e2e8f0;\">$500,000 &#8211; $2M<\/td><td style=\"padding:11px 14px;color:#475569;border-bottom:1px solid #e2e8f0;\">$900 &#8211; $2,800<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:11px 14px;color:#475569;border-bottom:1px solid #e2e8f0;\">Restaurant\/Cafe<\/td><td style=\"padding:11px 14px;color:#475569;border-bottom:1px solid #e2e8f0;\">$300,000 &#8211; $1M<\/td><td style=\"padding:11px 14px;color:#475569;border-bottom:1px solid #e2e8f0;\">$1,500 &#8211; $4,000<\/td><\/tr><tr style=\"background:#fff;\"><td style=\"padding:11px 14px;color:#475569;border-bottom:1px solid #e2e8f0;\">Construction Contractor (RBQ)<\/td><td style=\"padding:11px 14px;color:#475569;border-bottom:1px solid #e2e8f0;\">$500,000 &#8211; $5M<\/td><td style=\"padding:11px 14px;color:#475569;border-bottom:1px solid #e2e8f0;\">$2,500 &#8211; $8,000<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:11px 14px;color:#475569;border-bottom:1px solid #e2e8f0;\">Manufacturer \/ Industrial<\/td><td style=\"padding:11px 14px;color:#475569;border-bottom:1px solid #e2e8f0;\">$1M &#8211; $10M<\/td><td style=\"padding:11px 14px;color:#475569;border-bottom:1px solid #e2e8f0;\">$3,500 &#8211; $15,000<\/td><\/tr><tr style=\"background:#fff;\"><td style=\"padding:11px 14px;color:#475569;border-bottom:1px solid #e2e8f0;\">Daycare \/ Clinic<\/td><td style=\"padding:11px 14px;color:#475569;border-bottom:1px solid #e2e8f0;\">$500,000 &#8211; $2M<\/td><td style=\"padding:11px 14px;color:#475569;border-bottom:1px solid #e2e8f0;\">$2,200 &#8211; $6,000<\/td><\/tr><\/tbody><\/table><\/div><p class=\"wp-block-paragraph\" style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 16px;\"><strong>Factors that affect the price:<\/strong> sector of activity (risk), claims history, turnover, number of employees, coverage limit chosen, deductible.<\/p><h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:28px;font-weight:800;margin:40px 0 16px;\"><span class=\"ez-toc-section\" id=\"Is-civil-liability-mandatory-in-Quebec\"><\/span>Is civil liability mandatory in Quebec?<span class=\"ez-toc-section-end\"><\/span><\/h2><p class=\"wp-block-paragraph\" style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 16px;\">Not mandatory by general law, but <strong>imposed in several cases<\/strong> :<\/p><div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px;margin:24px 0;\"><div style=\"background:#fff;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;box-shadow:0 1px 3px rgba(0,0,0,.06);\"><h3 style=\"font-size:17px;color:#0d1f2d;margin:0 0 10px;font-weight:700;\">RBQ License<\/h3><p style=\"color:#475569;font-size:14px;margin:0;line-height:1.6;\">All construction contractors must prove a $1 to $5 million liability coverage to obtain their license.<\/p><\/div><div style=\"background:#fff;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;box-shadow:0 1px 3px rgba(0,0,0,.06);\"><h3 style=\"font-size:17px;color:#0d1f2d;margin:0 0 10px;font-weight:700;\">Professional Order<\/h3><p style=\"color:#475569;font-size:14px;margin:0;line-height:1.6;\">Lawyers (Bar), engineers (OIQ), accountants (CPA), notaries \u2014 professional liability is mandatory.<\/p><\/div><div style=\"background:#fff;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;box-shadow:0 1px 3px rgba(0,0,0,.06);\"><h3 style=\"font-size:17px;color:#0d1f2d;margin:0 0 10px;font-weight:700;\">Commercial lease<\/h3><p style=\"color:#475569;font-size:14px;margin:0;line-height:1.6;\">The majority of leases require liability coverage of $1-2 million + building insurance for the premises.<\/p><\/div><div style=\"background:#fff;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;box-shadow:0 1px 3px rgba(0,0,0,.06);\"><h3 style=\"font-size:17px;color:#0d1f2d;margin:0 0 10px;font-weight:700;\">B2B Customer Agreements<\/h3><p style=\"color:#475569;font-size:14px;margin:0;line-height:1.6;\">Some contracts (government, large corporations) require proof of liability between $2-5 million.<\/p><\/div><div style=\"background:#fff;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;box-shadow:0 1px 3px rgba(0,0,0,.06);\"><h3 style=\"font-size:17px;color:#0d1f2d;margin:0 0 10px;font-weight:700;\">Municipal Permits<\/h3><p style=\"color:#475569;font-size:14px;margin:0;line-height:1.6;\">Some activities (catering, events, transport) require civil liability for the licence.<\/p><\/div><div style=\"background:#fff;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;box-shadow:0 1px 3px rgba(0,0,0,.06);\"><h3 style=\"font-size:17px;color:#0d1f2d;margin:0 0 10px;font-weight:700;\">Cyber (Bill 25)<\/h3><p style=\"color:#475569;font-size:14px;margin:0;line-height:1.6;\">Since 2024, any company managing personal data should have cyber liability.<\/p><\/div><\/div><h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:28px;font-weight:800;margin:40px 0 16px;\"><span class=\"ez-toc-section\" id=\"How-to-choose-the-right-amount-of-coverage\"><\/span>How to choose the right amount of coverage<span class=\"ez-toc-section-end\"><\/span><\/h2><p class=\"wp-block-paragraph\" style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 16px;\">The amount of liability coverage depends on your exposure to the risk:<\/p><div style=\"overflow-x:auto;margin:24px 0;\"><table style=\"width:100%;border-collapse:collapse;border-radius:8px;overflow:hidden;font-size:14.5px;\"><thead><tr><th style=\"padding:12px 14px;text-align:left;background:#0d1f2d;color:#fff;font-weight:600;\">SME Profile<\/th><th style=\"padding:12px 14px;text-align:left;background:#0d1f2d;color:#fff;font-weight:600;\">Recommended Limit<\/th><th style=\"padding:12px 14px;text-align:left;background:#0d1f2d;color:#fff;font-weight:600;\">Why<\/th><\/tr><\/thead><tbody><tr style=\"background:#fff;\"><td style=\"padding:11px 14px;color:#475569;border-bottom:1px solid #e2e8f0;\">Self-Employed \/ Freelancer<\/td><td style=\"padding:11px 14px;color:#475569;border-bottom:1px solid #e2e8f0;\">$<\/td><td style=\"padding:11px 14px;color:#475569;border-bottom:1px solid #e2e8f0;\">1M Limited Risk, Retail Clients<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:11px 14px;color:#475569;border-bottom:1px solid #e2e8f0;\">Small SME (1-10 employees)<\/td><td style=\"padding:11px 14px;color:#475569;border-bottom:1px solid #e2e8f0;\">$1 to $2 million Moderate<\/td> <td style=\"padding:11px 14px;color:#475569;border-bottom:1px solid #e2e8f0;\">risk, most contracts accepted<\/td><\/tr><tr style=\"background:#fff;\"><td style=\"padding:11px 14px;color:#475569;border-bottom:1px solid #e2e8f0;\">Medium SME (10-50 employees)<\/td><td style=\"padding:11px 14px;color:#475569;border-bottom:1px solid #e2e8f0;\">$2 to $5 million Demanding<\/td> <td style=\"padding:11px 14px;color:#475569;border-bottom:1px solid #e2e8f0;\">B2B contracts, increased risk<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:11px 14px;color:#475569;border-bottom:1px solid #e2e8f0;\">Large SME (50+) or high risk<\/td><td style=\"padding:11px 14px;color:#475569;border-bottom:1px solid #e2e8f0;\">$5 to $10 million+<\/td><td style=\"padding:11px 14px;color:#475569;border-bottom:1px solid #e2e8f0;\">Manufacturing, construction, medical<\/td><\/tr><\/tbody><\/table><\/div><p class=\"wp-block-paragraph\" style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 16px;\"><strong>Tip:<\/strong> The premium difference between $1 million and $2 million is often small (10-15%), but doubles your coverage. Talk to a partner brokerage to assess your actual exposure. <\/p><h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:28px;font-weight:800;margin:40px 0 16px;\"><span class=\"ez-toc-section\" id=\"What-to-do-in-the-event-of-a-civil-liability-claim\"><\/span>What to do in the event of a civil liability claim?<span class=\"ez-toc-section-end\"><\/span><\/h2><div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px;margin:24px 0;\"><div style=\"background:#fff;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;box-shadow:0 1px 3px rgba(0,0,0,.06);\"><h3 style=\"font-size:17px;color:#0d1f2d;margin:0 0 10px;font-weight:700;\">1. Document immediately<\/h3><p style=\"color:#475569;font-size:14px;margin:0;line-height:1.6;\">Photos, testimonies, reports. Don&#8217;t admit responsibility \u2014 let the insurer investigate. <\/p><\/div><div style=\"background:#fff;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;box-shadow:0 1px 3px rgba(0,0,0,.06);\"><h3 style=\"font-size:17px;color:#0d1f2d;margin:0 0 10px;font-weight:700;\">2. Notify your broker<\/h3><p style=\"color:#475569;font-size:14px;margin:0;line-height:1.6;\">Within 24-48 hours. The shorter the deadline, the better the complaint is handled. <\/p><\/div><div style=\"background:#fff;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;box-shadow:0 1px 3px rgba(0,0,0,.06);\"><h3 style=\"font-size:17px;color:#0d1f2d;margin:0 0 10px;font-weight:700;\">3. Cooperate with the expert<\/h3><p style=\"color:#475569;font-size:14px;margin:0;line-height:1.6;\">The insurer mandates a claims specialist (AMF legal title). Provide access to documents. <\/p><\/div><div style=\"background:#fff;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;box-shadow:0 1px 3px rgba(0,0,0,.06);\"><h3 style=\"font-size:17px;color:#0d1f2d;margin:0 0 10px;font-weight:700;\">4. Legal Fees Covered<\/h3><p style=\"color:#475569;font-size:14px;margin:0;line-height:1.6;\">Civil liability usually includes legal defense, even if you are cleared.<\/p><\/div><div style=\"background:#fff;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;box-shadow:0 1px 3px rgba(0,0,0,.06);\"><h3 style=\"font-size:17px;color:#0d1f2d;margin:0 0 10px;font-weight:700;\">5. Compensation follow-up<\/h3><p style=\"color:#475569;font-size:14px;margin:0;line-height:1.6;\">4 to 12 weeks for simple cases, 6-24 months for complex disputes.<\/p><\/div><div style=\"background:#fff;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;box-shadow:0 1px 3px rgba(0,0,0,.06);\"><h3 style=\"font-size:17px;color:#0d1f2d;margin:0 0 10px;font-weight:700;\">6. Increase the deductible<\/h3><p style=\"color:#475569;font-size:14px;margin:0;line-height:1.6;\">After a claim, negotiate a higher deductible to reduce the future premium.<\/p><\/div><\/div><div style=\"background:#f0fdfa;border-left:4px solid #10c4c7;border-radius:6px;padding:24px;margin:32px 0;\">\n<h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;font-weight:700;\">Why trust Assur360?<\/h3>\n<ul style=\"margin:0;padding-left:20px;color:#475569;font-size:15px;line-height:1.8;\">\n<li>\u2705 Independent networking platform, partner of AMF-certified firms<\/li>\n<li>\u2705 More than 100,000 insurance quotes made in Quebec since 2001<\/li>\n<li>\u2705 Brokers of partner firms affiliated with the Chamber of Insurance<\/li>\n<li>\u2705 Free, no-obligation service \u2014 insurer pays broker<\/li>\n<\/ul>\n<\/div><h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:28px;font-weight:800;margin:40px 0 16px;\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-%E2%80%94-Commercial-General-Liability\"><\/span>Frequently Asked Questions \u2014 Commercial General Liability<span class=\"ez-toc-section-end\"><\/span><\/h2><details style=\"border:1px solid #e2e8f0;border-radius:8px;margin:0 0 10px;padding:0;\"><summary style=\"padding:14px 18px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;font-size:15.5px;list-style:none;\">Is business liability mandatory for my SME in Quebec?<\/summary><div style=\"padding:14px 18px;color:#475569;font-size:15px;line-height:1.7;\">Not by general law, but often by your sector: RBQ contractors, professions, orders, commercial leases, B2B contracts. Even when not mandatory, strongly recommended \u2014 a single claim can cost $500,000+. <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;margin:0 0 10px;padding:0;\"><summary style=\"padding:14px 18px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;font-size:15.5px;list-style:none;\">What is the difference between general liability and professional liability?<\/summary><div style=\"padding:14px 18px;color:#475569;font-size:15px;line-height:1.7;\">General liability insurance (CGL) covers physical damage to third parties and their property. Professional liability (E&#038;O) covers errors and omissions in your intellectual services. A consultant needs BOTH.  <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;margin:0 0 10px;padding:0;\"><summary style=\"padding:14px 18px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;font-size:15.5px;list-style:none;\">How much does civil liability cost for a small SME?<\/summary><div style=\"padding:14px 18px;color:#475569;font-size:15px;line-height:1.7;\">From $800 to $4,000 per year depending on your sector and your turnover. A partner brokerage compares 9+ insurers to find the best price\/coverage ratio. <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;margin:0 0 10px;padding:0;\"><summary style=\"padding:14px 18px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;font-size:15.5px;list-style:none;\">Does my home insurance cover my home-based micro-business?<\/summary><div style=\"padding:14px 18px;color:#475569;font-size:15px;line-height:1.7;\">No, or very partially (often up to $2,500). For any professional activity from home, add a company endorsement or take out a separate civil liability insurance. <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;margin:0 0 10px;padding:0;\"><summary style=\"padding:14px 18px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;font-size:15.5px;list-style:none;\">What happens if I don&#8217;t have a civil liability and I&#8217;m sued?<\/summary><div style=\"padding:14px 18px;color:#475569;font-size:15px;line-height:1.7;\">You are personally responsible for the judgment + legal fees (often $30,000 to $500,000+ for a simple case). This can lead to personal or business bankruptcy. <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;margin:0 0 10px;padding:0;\"><summary style=\"padding:14px 18px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;font-size:15.5px;list-style:none;\">Can I have a civil liability insurance without having property insurance?<\/summary><div style=\"padding:14px 18px;color:#475569;font-size:15px;line-height:1.7;\">Yes, the RC can be purchased on its own. But the combination of liability + property (multi-risk company policy) is often more economical. <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;margin:0 0 10px;padding:0;\"><summary style=\"padding:14px 18px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;font-size:15.5px;list-style:none;\">Is the RC deductible high?<\/summary><div style=\"padding:14px 18px;color:#475569;font-size:15px;line-height:1.7;\">Standard: $500 to $2,500 per claim. Increasing to $5,000 reduces the premium by 15-25%. Evaluate according to your ability to absorb a minor loss.  <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;margin:0 0 10px;padding:0;\"><summary style=\"padding:14px 18px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;font-size:15.5px;list-style:none;\">My employee is injured \u2014 does the liability cover?<\/summary><div style=\"padding:14px 18px;color:#475569;font-size:15px;line-height:1.7;\">If an accident at work: it&#8217;s the CNESST. If you are suing outside the CNESST (harassment, discrimination), it is the employer&#8217;s liability \u2014 check if included in your policy. <\/div><\/details><div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);padding:48px 30px;border-radius:14px;margin:40px 0 20px;text-align:center;color:#fff;\">\n<h2 style=\"color:#fff;font-size:26px;font-weight:800;margin:0 0 12px;\"><span class=\"ez-toc-section\" id=\"Ready-to-protect-your-business\"><\/span>Ready to protect your business?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"color:#94a3b8;font-size:16px;margin:0 0 24px;\">Compare 3 business liability quotes through certified AMF partner firms \u2014 free, 3 minutes, no obligation.<\/p>\n<a href=\"https:\/\/www.assur360.ca\/soumission-assurance-entreprise-en-ligne\/\" style=\"display:inline-block;background:#10c4c7;color:#fff;padding:14px 36px;border-radius:30px;font-weight:700;text-decoration:none;font-size:16px;\">Get my 3 quotes<\/a>\n<\/div><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"InsuranceAgency\", \"name\": \"Assur360\", \"alternateName\": \"Assur360 \u2014 Business Liability\", \"url\": \"https:\/\/www.assur360.ca\", \"description\": \"Independent platform connecting with certified AMF partner firms. Quebec\", \"telephone\": \"1-866-357-4451\", \"address\": {\"@type\": \"PostalAddress\", \"addressRegion\": \"QC\", \"addressCountry\": \"CA\"}, \"areaServed\": {\"@type\": \"State\", \"name\": \"Quebec\"}}<\/script><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Is business liability insurance mandatory for my SME in Quebec?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Not by general law, but often by your sector: RBQ contractors, professional orders, commercial leases, B2B contracts. Even when not mandatory, it is strongly recommended \u2014 a single claim can cost $500,000+.\"}}, {\"@type\": \"Question\", \"name\": \"What is the difference between general liability and professional liability?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"General liability (CGL) covers physical damage to third parties and their property. 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If sued outside of CNESST (harassment, discrimination), it's employer liability \u2014 check if included in your policy.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"BreadcrumbList\", \"itemListElement\": [{\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Home\", \"item\": \"https:\/\/www.assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Business Insurance\", \"item\": \"https:\/\/www.assur360.ca\/assurance-entreprise\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Business Liability Insurance\", \"item\": \"https:\/\/www.assur360.ca\/responsabilite-civile-entreprise\/\"}]}<\/script>","protected":false},"excerpt":{"rendered":"<p>RC BUSINESS Civil Liability for Businesses in Quebec Protect your SME against third-party claims: injuries, property damage, professional errors, defective products. 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