{"id":20193,"date":"2018-06-29T12:25:15","date_gmt":"2018-06-29T16:25:15","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/home-insurance-in-quebec-2\/cyber-risk-insurance\/"},"modified":"2026-05-22T00:42:19","modified_gmt":"2026-05-22T04:42:19","slug":"cyber-risk-insurance","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/insurance\/cyber-risk-insurance\/","title":{"rendered":"Cyber Risk Insurance in Quebec: Complete Guide for Businesses (2026)"},"content":{"rendered":"\n<script type=\"application\/ld+json\">\n{\"@context\": \"https:\/\/schema.org\", \"@type\": \"Article\", \"@id\": \"https:\/\/www.assur360.ca\/blog\/assurance\/cyber-risque\/#article\", \"headline\": \"Assurance cyber-risque au Qu\u00e9bec : guide complet pour les entreprises (2026)\", \"url\": \"https:\/\/www.assur360.ca\/blog\/assurance\/cyber-risque\/\", \"datePublished\": \"2018-06-29T12:25:15\", \"dateModified\": \"2026-04-10T14:00:00\", \"author\": {\"@type\": \"Person\", \"name\": \"Jean Boissonneault\", \"url\": \"https:\/\/www.assur360.ca\/blog\/author\/admin\/\", \"description\": \"Jean Boissonneault, courtier d'assurance certifi\u00e9 AMF (n\u00ba 2000037336), propri\u00e9taire d'Assur360.\", \"hasCredential\": {\"@type\": \"EducationalOccupationalCredential\", \"credentialCategory\": \"Permis de cabinet en assurance de dommages (n\u00ba 2000037336)\", \"recognizedBy\": {\"@type\": \"Organization\", \"name\": \"Autorit\u00e9 des march\u00e9s financiers\", \"url\": \"https:\/\/lautorite.qc.ca\"}}}, \"publisher\": {\"@type\": \"Organization\", \"name\": \"Assur360\", \"url\": \"https:\/\/www.assur360.ca\", \"logo\": {\"@type\": \"ImageObject\", \"url\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/01\/assur360-logo.png\"}}, \"inLanguage\": \"fr-CA\", \"description\": \"Guide complet de l'assurance cyber-risque au Qu\u00e9bec en 2026 : couvertures, prix, statistiques de cyberattaques, 10 FAQ et soumission gratuite pour PME.\"}\n<\/script>\n<script type=\"application\/ld+json\">\n{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Qu'est-ce que l'assurance cyber-risque ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"L'assurance cyber-risque (aussi appel\u00e9e assurance cybers\u00e9curit\u00e9 ou cyberassurance) est une couverture qui prot\u00e8ge votre entreprise contre les <strong>pertes financi\u00e8res li\u00e9es aux cyberattaques. Elle couvre les frais de restauration des donn\u00e9es, les pertes de revenus, les frais juridiques, les amendes r\u00e9glementaires et les co\u00fbts de notification aux clients en cas de fuite de donn\u00e9es.\"}}, {\"@type\": \"Question\", \"name\": \"Combien co\u00fbte une assurance cyber-risque au Qu\u00e9bec en 2026 ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Le prix varie selon la taille de l'entreprise et le niveau de risque. En moyenne : <\/strong><strong>500 $ \u00e0 1 500 $\/an pour une PME de moins de 50 employ\u00e9s, <\/strong><strong>1 500 $ \u00e0 5 000 $\/an pour une entreprise de 50 \u00e0 250 employ\u00e9s, et <\/strong><strong>5 000 $ \u00e0 25 000 $+\/an pour les grandes entreprises. Le secteur d'activit\u00e9, le volume de donn\u00e9es personnelles et les mesures de s\u00e9curit\u00e9 en place influencent le prix.\"}}, {\"@type\": \"Question\", \"name\": \"L'assurance cyber-risque est-elle obligatoire au Qu\u00e9bec ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Non, elle n'est pas obligatoire par la loi. Cependant, depuis l'entr\u00e9e en vigueur de la <\/strong><strong>Loi 25 (Loi sur la protection des renseignements personnels) en septembre 2023, les entreprises qu\u00e9b\u00e9coises ont des obligations strictes en mati\u00e8re de protection des donn\u00e9es. En cas de fuite, les amendes peuvent atteindre <\/strong><strong>25 millions de dollars. L'assurance cyber-risque est donc devenue quasi indispensable.\"}}, {\"@type\": \"Question\", \"name\": \"Que couvre l'assurance cyber-risque ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Les couvertures typiques incluent : <\/strong><strong>1) Frais de restauration des donn\u00e9es et syst\u00e8mes; <\/strong><strong>2) Pertes de revenus (interruption d'activit\u00e9); <\/strong><strong>3) Ran\u00e7ongiciel (paiement de ran\u00e7on et frais de n\u00e9gociation); <\/strong><strong>4) Frais de notification aux personnes affect\u00e9es; <\/strong><strong>5) Frais juridiques et amendes r\u00e9glementaires; <\/strong><strong>6) Responsabilit\u00e9 civile en cas de fuite de donn\u00e9es; <\/strong><strong>7) Frais de gestion de crise et relations publiques; <\/strong><strong>8) Fraude par ing\u00e9nierie sociale (hame\u00e7onnage).\"}}, {\"@type\": \"Question\", \"name\": \"Quels types d'entreprises ont besoin d'une assurance cyber-risque ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Toute entreprise qui utilise la technologie \u2014 ce qui inclut pratiquement toutes les PME en 2026. Les secteurs les plus expos\u00e9s sont : <\/strong><strong>commerce en ligne, <\/strong><strong>services financiers, <\/strong><strong>sant\u00e9, <\/strong><strong>services professionnels (comptables, avocats), <\/strong><strong>manufacturiers et toute entreprise qui stocke des donn\u00e9es personnelles de clients ou d'employ\u00e9s.\"}}, {\"@type\": \"Question\", \"name\": \"Qu'est-ce qu'un ran\u00e7ongiciel (ransomware) et suis-je couvert ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Un ran\u00e7ongiciel est un logiciel malveillant qui chiffre vos donn\u00e9es et exige une ran\u00e7on pour les d\u00e9bloquer. En 2025, le co\u00fbt moyen d'une attaque par ran\u00e7ongiciel au Canada \u00e9tait de <\/strong><strong>1,2 million de dollars. La plupart des polices d'assurance cyber-risque couvrent : le paiement de la ran\u00e7on (si n\u00e9cessaire), les frais de n\u00e9gociation avec les attaquants, la restauration des syst\u00e8mes et les pertes de revenus pendant l'interruption.\"}}, {\"@type\": \"Question\", \"name\": \"L'assurance responsabilit\u00e9 civile g\u00e9n\u00e9rale couvre-t-elle les cyberattaques ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Non. L'assurance RC g\u00e9n\u00e9rale exclut g\u00e9n\u00e9ralement les <\/strong><strong>incidents li\u00e9s aux donn\u00e9es num\u00e9riques. Les polices traditionnelles couvrent les dommages corporels et mat\u00e9riels, pas les fuites de donn\u00e9es ou les interruptions informatiques. Vous avez besoin d'une police d'assurance cyber-risque distincte pour cette couverture.\"}}, {\"@type\": \"Question\", \"name\": \"Comment la Loi 25 du Qu\u00e9bec affecte-t-elle mon entreprise ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"La <\/strong><strong>Loi 25 impose aux entreprises qu\u00e9b\u00e9coises de : prot\u00e9ger ad\u00e9quatement les renseignements personnels, signaler toute fuite \u00e0 la Commission d'acc\u00e8s \u00e0 l'information dans les <\/strong><strong>72 heures, aviser les personnes affect\u00e9es, tenir un registre des incidents et nommer un responsable de la protection des renseignements. Les amendes vont de <\/strong><strong>15 000 $ \u00e0 25 millions de dollars. L'assurance cyber-risque couvre les frais li\u00e9s \u00e0 ces obligations.\"}}, {\"@type\": \"Question\", \"name\": \"Quelles mesures de pr\u00e9vention peuvent r\u00e9duire ma prime ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Les assureurs offrent de meilleurs tarifs si vous d\u00e9montrez de bonnes pratiques : <\/strong><strong>1) Authentification multifactorielle (MFA); <\/strong><strong>2) Sauvegardes r\u00e9guli\u00e8res et test\u00e9es; <\/strong><strong>3) Formation des employ\u00e9s \u00e0 la cybers\u00e9curit\u00e9; <\/strong><strong>4) Pare-feu et antivirus \u00e0 jour; <\/strong><strong>5) Plan de r\u00e9ponse aux incidents document\u00e9; <\/strong><strong>6) Chiffrement des donn\u00e9es sensibles; <\/strong><strong>7) Tests de p\u00e9n\u00e9tration annuels. Ces mesures peuvent r\u00e9duire votre prime de <\/strong><strong>10 \u00e0 25 %.\"}}, {\"@type\": \"Question\", \"name\": \"Combien de temps prend une soumission d'assurance cyber-risque ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Avec Assur360, vous pouvez obtenir une <a href=\"https:\/\/www.assur360.ca\/en\/online-boat-quote\/\">soumission gratuite en quelques minutes. Un courtier certifi\u00e9 AMF analysera votre profil de risque et comparera les offres de plusieurs assureurs pour trouver la meilleure couverture au meilleur prix. Le service est gratuit et sans obligation.\"}}]}\n<\/a><\/strong><\/script> \n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px 36px;margin:32px auto;box-shadow:0 10px 30px rgba(13,31,45,0.18);max-width:100%;\">\n  <div style=\"display:flex;gap:32px;align-items:center;justify-content:center;flex-wrap:wrap;\">\n    <div style=\"flex:1 1 380px;min-width:280px;text-align:left;\">\n      <p style=\"color:#10c4c7;font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:3px;margin:0 0 10px;\">COMPANY<\/p>\n      <p style=\"color:#ffffff;font-size:28px;font-weight:800;margin:0 0 12px;line-height:1.25;font-family:inherit;\">Tailor-made business insurance<\/p>\n      <p style=\"color:#94a3b8;font-size:16px;line-height:1.6;margin:0 0 22px;\">Liability, property, business interruption: comprehensive protection for SMEs.<\/p>\n      <div style=\"display:flex;gap:10px;flex-wrap:wrap;\">\n        <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:14px 26px;border-radius:8px;font-weight:700;text-decoration:none;font-size:15px;display:inline-block;\">Company<\/a>\n Quote<a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:14px 26px;border-radius:8px;font-weight:700;text-decoration:none;font-size:15px;display:inline-block;border:2px solid #ffffff;\">\ud83d\udcde 1-866-357-4451<\/a>        \n      <\/div>\n    <\/div>\n    <div style=\"flex:0 0 240px;text-align:center;\"><img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2025\/05\/orso-meilleur-courtier-dassurance-entreprise-a-montreal.png\" alt=\"Orso, business insurance broker in Montreal\" style=\"max-width:240px;width:100%;height:auto;display:block;margin:0 auto;filter:drop-shadow(0 6px 16px rgba(16,196,199,0.3));\" loading=\"lazy\"\/><\/div>\n  <\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\">Cyberattacks against Quebec companies have exploded in recent years. In 2025, <strong>43% of Canadian SMEs<\/strong> were victims of at least one cybersecurity incident. The average cost of a data breach in Canada is <strong>$5.6 million<\/strong>. Cyber risk insurance has become an essential financial shield for any company that uses technology \u2014 that is, all companies.   <\/p>\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-d6b9e94e wp-block-group-is-layout-constrained\" style=\"border-radius:16px;padding-top:40px;padding-right:40px;padding-bottom:40px;padding-left:40px;background:linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%)\">\n\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#ffffff;font-size:24px;font-style:normal;font-weight:700\">Protect your business from cyberattacks<\/p>\n\n\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#94a3b8\">Free quote in minutes. AMF certified broker. No obligation.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3e41869c wp-block-buttons-is-layout-flex\">\n\n<div class=\"wp-block-button has-custom-font-size\" style=\"font-size:18px;font-style:normal;font-weight:700\"><a class=\"wp-block-button__link has-white-color has-text-color wp-element-button\" href=\"https:\/\/www.assur360.ca\/en\/online-boat-quote\/\" style=\"border-radius:30px;background-color:#10c4c7;padding-top:16px;padding-right:48px;padding-bottom:16px;padding-left:48px\">Get my cyber quote<\/a><\/div>\n\n<\/div>\n\n\n<\/div>\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">sommaire interactif<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #5b5b5b;color:#5b5b5b\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #5b5b5b;color:#5b5b5b\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/cyber-risk-insurance\/#What-is-cyber-risk-insurance\" >What is cyber risk insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/cyber-risk-insurance\/#Why-Your-Business-Needs-Cyber-Risk-Insurance-in-2026\" >Why Your Business Needs Cyber Risk Insurance in 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/cyber-risk-insurance\/#What-Cyber-Risk-Insurance-Covers\" >What Cyber Risk Insurance Covers<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/cyber-risk-insurance\/#How-much-does-cyber-risk-insurance-cost-in-Quebec\" >How much does cyber risk insurance cost in Quebec?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/cyber-risk-insurance\/#Which-companies-are-most-exposed-to-cyber-risks\" >Which companies are most exposed to cyber risks?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/cyber-risk-insurance\/#The-main-cyber-threats-for-Quebec-SMEs\" >The main cyber threats for Quebec SMEs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/cyber-risk-insurance\/#7-Preventive-Measures-to-Reduce-Your-Cyber-Premium\" >7 Preventive Measures to Reduce Your Cyber Premium<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/cyber-risk-insurance\/#What-to-do-in-the-event-of-a-cyberattack\" >What to do in the event of a cyberattack?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/cyber-risk-insurance\/#Frequently-Asked-Questions-%E2%80%94-Cyber-Risk-Insurance-in-Quebec\" >Frequently Asked Questions \u2014 Cyber Risk Insurance in Quebec<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/cyber-risk-insurance\/#To-be-read\" >To be read<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-is-cyber-risk-insurance\"><\/span>What is cyber risk insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\"><strong>Cyber risk insurance<\/strong> (also known as cyber security insurance, cyber insurance or cyber insurance) is coverage that protects your business against financial losses caused by computer incidents: hacking, ransomware, data leaks, online fraud and service interruption.<\/p>\n\n<p class=\"wp-block-paragraph\">Unlike <a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\">traditional business insurance<\/a> (general liability, property), cyber insurance specifically covers <strong>digital and informational damage<\/strong> that is excluded from conventional policies.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-Your-Business-Needs-Cyber-Risk-Insurance-in-2026\"><\/span>Why Your Business Needs Cyber Risk Insurance in 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Three realities make this insurance essential for Quebec SMEs:<\/p>\n\n<h3 class=\"wp-block-heading\">1. The explosion of cyberattacks in Canada<\/h3>\n\n<ul class=\"wp-block-list\">\n\n<li><strong>43% of Canadian SMEs<\/strong> were victims of an incident in 2025<\/li>\n\n\n<li>The average cost of a data breach in Canada: <strong>$5.6 million<\/strong><\/li>\n\n\n<li>Ransomware attacks have increased by <strong>150%<\/strong> since 2022<\/li>\n\n\n<li><strong>60% of SMBs<\/strong> that are victims of a major cyberattack close within 6 months<\/li>\n\n<\/ul>\n\n<h3 class=\"wp-block-heading\">2. Quebec&#8217;s Bill 25 \u2014 Strict Obligations<\/h3>\n\n<p class=\"wp-block-paragraph\">Since September 2023, <strong>Bill 25<\/strong> (Act respecting the protection of personal information in the private sector) requires Quebec companies:<\/p>\n\n<ul class=\"wp-block-list\">\n\n<li>Report any data leak to the Commission d&#8217;acc\u00e8s \u00e0 l&#8217;information <strong>within 72 hours<\/strong><\/li>\n\n\n<li>Notify all affected individuals individually<\/li>\n\n\n<li>Keeping a record of confidentiality incidents<\/li>\n\n\n<li>Appointing an Information Protection Officer<\/li>\n\n\n<li>Fines: <strong>$15,000 to $25 million<\/strong> for non-compliance<\/li>\n\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Cyber risk insurance covers the costs of these obligations: notice, investigation, fines, and legal fees.<\/p>\n\n<h3 class=\"wp-block-heading\">3. Your general liability insurance does NOT cover cyberattacks<\/h3>\n\n<p class=\"wp-block-paragraph\">Many contractors believe they are protected by their general liability insurance.  <strong>This is false.<\/strong>  RC policies explicitly exclude incidents related to digital data. If a hacker steals your customers&#8217; data or ransomware cripples your operations, your standard business insurance won&#8217;t pay anything.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-Cyber-Risk-Insurance-Covers\"><\/span>What Cyber Risk Insurance Covers<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<table class=\"assur360-table\" style=\"width:100%;border-collapse:collapse;font-size:14px;margin:24px 0;\">\n<thead>\n<tr style=\"background:#0d1f2d;color:white;\">\n<th style=\"padding:12px;text-align:left;border:1px solid #1e3a4f;\">Coverage<\/th>\n<th style=\"padding:12px;text-align:left;border:1px solid #1e3a4f;\">What it protects<\/th>\n<th style=\"padding:12px;text-align:left;border:1px solid #1e3a4f;\">Concrete example<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"border-bottom:1px solid #e2e8f0;\">\n<td style=\"padding:10px;font-weight:600;\">Data<\/td>\n RestorationFees \n <td style=\"padding:10px;\">to recover or recreate lost data<\/td><td style=\"padding:10px;\">Ransomware encrypts your customer files<\/td>\n<\/tr>\n<tr style=\"border-bottom:1px solid #e2e8f0;background:#f8fafc;\">\n<td style=\"padding:10px;font-weight:600;\">Business<\/td>\n interruption<td style=\"padding:10px;\">Revenue lost during the service<\/td>\n disruption<td style=\"padding:10px;\">Your e-commerce site is offline for 48 hours<\/td>\n<\/tr>\n<tr style=\"border-bottom:1px solid #e2e8f0;\">\n<td style=\"padding:10px;font-weight:600;\">Ransomware<\/td>\n<td style=\"padding:10px;\">Ransom payment, negotiation, decryption<\/td>\n<td style=\"padding:10px;\">You&#8217;re being asked for $50,000 to unlock your systems<\/td>\n<\/tr>\n<tr style=\"border-bottom:1px solid #e2e8f0;background:#f8fafc;\">\n<td style=\"padding:10px;font-weight:600;\">Notification and Compliance<\/td>\n<td style=\"padding:10px;\">Fees for notifying affected persons (Bill 25)<\/td>\n<td style=\"padding:10px;\">Leak of 10,000 customer files to be notified individually<\/td>\n<\/tr>\n<tr style=\"border-bottom:1px solid #e2e8f0;\">\n<td style=\"padding:10px;font-weight:600;\">Cyber<\/td>\n liability<td style=\"padding:10px;\">Third-party lawsuits for leak-related<\/td>\n damages<td style=\"padding:10px;\">A customer sues you for identity theft<\/td>\n<\/tr>\n<tr style=\"border-bottom:1px solid #e2e8f0;background:#f8fafc;\">\n<td style=\"padding:10px;font-weight:600;\">Crisis<\/td>\n management<td style=\"padding:10px;\">Public relations, communications, experts<\/td>\n<td style=\"padding:10px;\">Managing your reputation after a high-profile hack<\/td>\n<\/tr>\n<tr style=\"border-bottom:1px solid #e2e8f0;\">\n<td style=\"padding:10px;font-weight:600;\">Social<\/td>\n engineering fraud<td style=\"padding:10px;\">Losses due to phishing or CEO<\/td>\n fraud<td style=\"padding:10px;\">Employee transfers $30,000 to fake supplier<\/td>\n<\/tr>\n<tr style=\"border-bottom:1px solid #e2e8f0;background:#f8fafc;\">\n<td style=\"padding:10px;font-weight:600;\">Regulatory<\/td>\n Fines<td style=\"padding:10px;\">Penalties imposed by the authorities<\/td>\n<td style=\"padding:10px;\">Fine from the Commission d&#8217;acc\u00e8s \u00e0 l&#8217;information<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-much-does-cyber-risk-insurance-cost-in-Quebec\"><\/span>How much does cyber risk insurance cost in Quebec?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<table class=\"assur360-table\" style=\"width:100%;border-collapse:collapse;font-size:14px;margin:24px 0;\">\n<thead>\n<tr style=\"background:#0d1f2d;color:white;\">\n<th style=\"padding:12px;text-align:left;border:1px solid #1e3a4f;\">Company<\/th>\n size<th style=\"padding:12px;text-align:center;border:1px solid #1e3a4f;\">Annual<\/th>\n premium<th style=\"padding:12px;text-align:center;border:1px solid #1e3a4f;\">Typical Limit<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"border-bottom:1px solid #e2e8f0;\">\n<td style=\"padding:10px;font-weight:600;\">Self-employed \/ micro-enterprise<\/td>\n<td style=\"padding:10px;text-align:center;\">$300 \u2014 $<\/td>\n800<td style=\"padding:10px;text-align:center;\">$250,000 \u2014 $500,000<\/td>\n<\/tr>\n<tr style=\"border-bottom:1px solid #e2e8f0;background:#f8fafc;\">\n<td style=\"padding:10px;font-weight:600;\">SME (1-50 employees)<\/td>\n<td style=\"padding:10px;text-align:center;\">$500 \u2014 $<\/td>\n1,500<td style=\"padding:10px;text-align:center;\">$500,000 \u2014 $2M<\/td>\n<\/tr>\n<tr style=\"border-bottom:1px solid #e2e8f0;\">\n<td style=\"padding:10px;font-weight:600;\">Medium business (50-250 employees)<\/td>\n<td style=\"padding:10px;text-align:center;\">$1,500 \u2014 $<\/td>\n5,000<td style=\"padding:10px;text-align:center;\">$2M \u2014 $5M<\/td>\n<\/tr>\n<tr style=\"border-bottom:1px solid #e2e8f0;background:#f8fafc;\">\n<td style=\"padding:10px;font-weight:600;\">Large company (250+ employees)<\/td>\n<td style=\"padding:10px;text-align:center;\">$5,000 \u2014 $25,000+<\/td>\n<td style=\"padding:10px;text-align:center;\">$5M \u2014 $20M+<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#64748b;font-size:13px\">Indicative prices for Quebec in 2026. The cost varies depending on the industry, the volume of data, the revenue and the security measures in place.   <a href=\"https:\/\/www.assur360.ca\/en\/online-boat-quote\/\">Get your exact price here.<\/a><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Which-companies-are-most-exposed-to-cyber-risks\"><\/span>Which companies are most exposed to cyber risks?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Any business that uses a computer, email or payment system is at risk. But certain sectors are particularly targeted:<\/p>\n\n<ul class=\"wp-block-list\">\n\n<li><strong>E-commerce \u2014<\/strong> Credit card data, large customer databases<\/li>\n\n\n<li><strong>Professional services<\/strong> \u2014 Accountants, lawyers, notaries: confidential client data<\/li>\n\n\n<li><strong>Health and Clinics<\/strong> \u2014 Medical Records, Sensitive Data Protected by Bill 25<\/li>\n\n\n<li><strong>Manufacturers<\/strong> \u2014 Connected Industrial Systems, Intellectual Property<\/li>\n\n\n<li><strong>Financial Services<\/strong> \u2014 Banking Data Is a Target for Hackers<\/li>\n\n\n<li><strong>Restaurants and retail \u2013 Payment terminals<\/strong> , customer lists<\/li>\n\n\n<li><strong>Non-Profit Organizations<\/strong> \u2014 Often Less Protected, Donor Data<\/li>\n\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-main-cyber-threats-for-Quebec-SMEs\"><\/span>The main cyber threats for Quebec SMEs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<h3 class=\"wp-block-heading\">Ransomware<\/h3>\n\n<p class=\"wp-block-paragraph\">Ransomware encrypts all your files and demands a ransom (often in cryptocurrency) to unlock them. The average cost of an attack in Canada in 2025: <strong>$1.2 million<\/strong> (including ransom, production shutdown, and restoration). SMBs are prime targets because they often have weaker defenses than large companies.  <\/p>\n\n<h3 class=\"wp-block-heading\">Phishing<\/h3>\n\n<p class=\"wp-block-paragraph\">Fraudulent emails imitate your suppliers, bank, or colleagues to steal your credentials or get you to transfer money. <strong>91% of cyberattacks start with an email<\/strong>. CEO fraud (a hacker impersonating the executive and requesting an urgent transfer) is particularly common. <\/p>\n\n<h3 class=\"wp-block-heading\">Data Leakage<\/h3>\n\n<p class=\"wp-block-paragraph\">Unauthorized access exposes the personal data of your customers or employees. With Bill 25, you are <strong>legally obliged<\/strong> to notify each affected person and the Commission d&#8217;acc\u00e8s \u00e0 l&#8217;information within 72 hours. Without cyber insurance, you are responsible for the costs of notification, investigation and legal defense.  <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"7-Preventive-Measures-to-Reduce-Your-Cyber-Premium\"><\/span>7 Preventive Measures to Reduce Your Cyber Premium<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Insurers evaluate your security practices before setting your premium. The stronger your defenses, the less you pay. Here are the measures that have the most impact:<\/p>\n\n<ol class=\"wp-block-list\">\n\n<li><strong>Multi-Factor Authentication (MFA)<\/strong> \u2014 Mandatory on all critical access (email, VPN, business applications). This is the #1 criterion for insurers. <\/li>\n\n\n<li><strong>Regular backups<\/strong> \u2014 Daily automatic backups, stored offline or on a secure cloud. Test your restorations regularly. <\/li>\n\n\n<li><strong>Employee training<\/strong> \u2014 Phishing simulations and annual training. Employees are the weakest link in the security chain. <\/li>\n\n\n<li><strong>Updates and patches<\/strong> \u2014 Keep all your software, operating systems, and firewalls up to date. Unpatched flaws are the #1 gateway. <\/li>\n\n\n<li><strong>Incident Response Plan<\/strong> \u2014 Document who does what in the event of an attack: who to call, how to isolate systems, how to communicate.<\/li>\n\n\n<li><strong>Encryption of sensitive data<\/strong> \u2014 Encrypt personal data at rest and in transit, especially financial and medical information.<\/li>\n\n\n<li><strong>Annual penetration testing<\/strong> \u2014 Have your defenses tested by experts to identify vulnerabilities before hackers do.<\/li>\n\n<\/ol>\n\n<p class=\"wp-block-paragraph\">These measures can reduce your premium by <strong>10 to 25%<\/strong> while significantly reducing your risk of an incident.<\/p>\n\n<div class=\"wp-block-group has-border-color is-layout-constrained wp-container-core-group-is-layout-67483c6b wp-block-group-is-layout-constrained\" style=\"border-color:#10c4c7;border-width:2px;border-radius:16px;background-color:#f0fdfa;padding-top:32px;padding-right:32px;padding-bottom:32px;padding-left:32px\">\n\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#0d1f2d;font-size:22px;font-style:normal;font-weight:700\">Is your company protected against cyberattacks?<\/p>\n\n\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#334155\">Get a cyber risk insurance quote tailored to your business. Free, no obligation.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3e41869c wp-block-buttons-is-layout-flex\">\n\n<div class=\"wp-block-button has-custom-font-size\" style=\"font-size:16px;font-style:normal;font-weight:700\"><a class=\"wp-block-button__link has-white-color has-text-color wp-element-button\" href=\"https:\/\/www.assur360.ca\/en\/online-boat-quote\/\" style=\"border-radius:30px;background-color:#10c4c7;padding-top:14px;padding-right:40px;padding-bottom:14px;padding-left:40px\">Free Cyber Quote<\/a><\/div>\n\n<\/div>\n\n\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-to-do-in-the-event-of-a-cyberattack\"><\/span>What to do in the event of a cyberattack?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<ol class=\"wp-block-list\">\n\n<li><strong>Isolate affected systems<\/strong> \u2014 Immediately disconnect compromised machines from the network to limit spread.<\/li>\n\n\n<li><strong>Contact your insurer<\/strong> \u2014 Your cyber policy often includes 24\/7 access to an incident response team.<\/li>\n\n\n<li><strong>Don&#8217;t pay the ransom immediately<\/strong> \u2014 Consult the experts provided by your insurer first. In some cases, the data can be recovered without payment. <\/li>\n\n\n<li><strong>Document everything<\/strong> \u2014 Screenshots, login logs, suspicious emails. This documentation is essential for the claim and investigation. <\/li>\n\n\n<li><strong>Report to the authorities<\/strong> \u2014 Bill 25: notification to the Commission d&#8217;acc\u00e8s \u00e0 l&#8217;information within 72 hours if personal data is at stake.<\/li>\n\n\n<li><strong>Communicate<\/strong> \u2014 Notify your affected customers and partners. Transparency protects your reputation in the long run. <\/li>\n\n<\/ol>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-%E2%80%94-Cyber-Risk-Insurance-in-Quebec\"><\/span>Frequently Asked Questions \u2014 Cyber Risk Insurance in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>What is cyber risk insurance?<\/summary>\n<p class=\"wp-block-paragraph\">Cyber risk insurance (also known as cybersecurity insurance or cyber insurance) is coverage that protects your business against <strong>financial losses related to cyberattacks<\/strong>. It covers data restoration costs, lost revenue, legal fees, regulatory fines, and the costs of notifying customers in the event of a data breach. <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>How much does cyber risk insurance cost in Quebec in 2026?<\/summary>\n<p class=\"wp-block-paragraph\">The price varies depending on the size of the company and the level of risk. On average: <strong>$500 to $1,500\/year<\/strong> for an SME with fewer than 50 employees, <strong>$1,500 to $5,000\/year<\/strong> for a company with 50 to 250 employees, and <strong>$5,000 to $25,000+\/year<\/strong> for large companies. The industry, the volume of personal data and the security measures in place influence the price.  <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Is cyber risk insurance mandatory in Quebec?<\/summary>\n<p class=\"wp-block-paragraph\">No, it is not mandatory by law. However, since the coming into force of <strong>Bill 25<\/strong> (Act respecting the protection of personal information) in September 2023, Quebec companies have strict data protection obligations. In the event of a leak, fines can reach <strong>$25 million<\/strong>. Cyber risk insurance has therefore become almost indispensable.   <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>What does cyber risk insurance cover?<\/summary>\n<p class=\"wp-block-paragraph\">Typical coverages include: <strong>1)<\/strong> Data and system recovery costs; <strong>2)<\/strong> Loss of income (business interruption); <strong>3)<\/strong> Ransomware (ransom payment and trading fees); <strong>(4)<\/strong> Costs of notification to affected persons; <strong>5)<\/strong> Legal fees and regulatory fines; <strong>6)<\/strong> Civil liability in the event of a data leak; <strong>7)<\/strong> Crisis management and public relations costs; <strong>8)<\/strong> Social engineering fraud (phishing).<\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>What types of businesses need cyber risk insurance?<\/summary>\n<p class=\"wp-block-paragraph\">Any business that uses technology \u2014 which includes virtually all SMBs in 2026. The most exposed sectors are: <strong>e-commerce<\/strong>, <strong>financial services<\/strong>, <strong>health<\/strong>, <strong>professional services<\/strong> ( <strong>accountants, lawyers), manufacturers<\/strong> and any company that stores personal data of customers or employees. <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>What is ransomware and am I covered?<\/summary>\n<p class=\"wp-block-paragraph\">Ransomware is malicious software that encrypts your data and demands a ransom to unlock it. In 2025, the average cost of a ransomware attack in Canada was <strong>$1.2 million<\/strong>. Most cyber risk insurance policies cover: ransom payment (if necessary), negotiation fees with attackers, system restoration, and loss of revenue during the outage.  <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Does general liability insurance cover cyberattacks?<\/summary>\n<p class=\"wp-block-paragraph\">No. General liability insurance generally excludes <strong>incidents related to digital data<\/strong>. Traditional policies cover bodily injury and property damage, not data leaks or computer interruptions. You need a separate cyber risk insurance policy for this coverage.  <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>How does Quebec&#8217;s Bill 25 affect my business?<\/summary>\n<p class=\"wp-block-paragraph\"><strong>Bill 25<\/strong> requires Quebec companies to: adequately protect personal information, report any leak to the Commission d&#8217;acc\u00e8s \u00e0 l&#8217;information within <strong>72 hours<\/strong>, notify affected individuals, keep a record of incidents and appoint an information protection officer. Fines range from <strong>$15,000 to $25 million<\/strong>. Cyber risk insurance covers the costs associated with these obligations.  <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>What preventive measures can reduce my premium?<\/summary>\n<p class=\"wp-block-paragraph\">Insurers offer better rates if you demonstrate good practices: <strong>1)<\/strong> Multi-factor authentication (MFA); <strong>2)<\/strong> Regular and tested backups; <strong>3)<\/strong> Employee training in cybersecurity; <strong>4)<\/strong> Up-to-date firewall and antivirus; <strong>5)<\/strong> Documented incident response plan; <strong>6)<\/strong> Encryption of sensitive data; <strong>7)<\/strong> Annual penetration tests. These measures can reduce your premium by <strong>10 to 25%.<\/strong> <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>How long does a cyber risk insurance quote take?<\/summary>\n<p class=\"wp-block-paragraph\">With Assur360, you can get a <a href=\"https:\/\/www.assur360.ca\/en\/online-boat-quote\/\">free quote in minutes<\/a>. An AMF-certified broker will analyze your risk profile and compare the offers of several insurers to find the best coverage at the best price. The service is free and without obligation.  <\/p>\n<\/details>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"To-be-read\"><\/span>To be read<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<ul class=\"wp-block-list\">\n\n<li><a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\">Business Insurance in Quebec \u2014 All Our Products<\/a><\/li>\n\n\n<li><a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/cybersecurity-insurance-compare-offers\/\">Insurance for cybersecurity firms (professional liability)<\/a><\/li>\n\n\n<li><a href=\"https:\/\/www.assur360.ca\/en\/?page_id=21197\">Cybersecurity Company Liability Insurance<\/a><\/li>\n\n\n<li><a href=\"https:\/\/www.assur360.ca\/en\/equipment-breakdown-insurance-quick-quote\/\">Equipment Breakdown Insurance<\/a><\/li>\n\n\n<li><a href=\"https:\/\/www.assur360.ca\/en\/online-boat-quote\/\">Online business insurance quote<\/a><\/li>\n\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Cyberattacks against Quebec companies have exploded in recent years. In 2025, 43% of Canadian SMEs were victims of at least one cybersecurity [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":20806,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"Cyber Risk Insurance Quebec 2026 \u2014 Prices, Coverage and SME Quote","_seopress_titles_desc":"Cyber risk insurance in Quebec: prices starting at $300\/year, ransomware coverage and Bill 25, 10 FAQs. Compare via AMF partner firms. ","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"Array","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"Cyber risk insurance","_seopress_social_fb_desc":"Protect your business from cyberattacks. Cyber risk insurance in Quebec. AMF certified broker. Free quote.   ","_seopress_social_fb_img":"https:\/\/www.assur360.ca\/wp-content\/uploads\/2018\/06\/courtier-assurance-cyber-risques.png","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"Cyber risk insurance","_seopress_social_twitter_desc":"Protect your business from cyberattacks. Cyber risk insurance in Quebec. AMF certified broker. Submission...","_seopress_social_twitter_img":"https:\/\/www.assur360.ca\/wp-content\/uploads\/2018\/06\/courtier-assurance-cyber-risques.png","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"both","_seopress_redirections_param":"","_seopress_redirections_type":301,"_seopress_analysis_target_kw":"","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"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 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