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Protect your business with the right insurance — AccesDirect compares for you
Whether you’re a freelancer, retail shop owner, or SME director, your business faces daily risks that your personal insurance doesn’t cover. A single uncovered liability claim can jeopardize years of work. That’s why a well-structured business insurance is essential.
At AccesDirect, our AMF-certified brokers have the expertise to analyze your commercial risks and compare offers from multiple insurers specializing in business coverage. The form below lets you get a personalized quote in less than 2 minutes, whether you’re a startup, hair salon, consulting firm, or general contractor.
Main types of business insurance
- General liability (GL) — covers bodily injury and property damage to third parties in the course of your activities
- Commercial property — equipment, inventory, office furniture, tools in case of fire, theft, or damage
- Business interruption — compensates lost revenue if your business is interrupted due to a covered claim
- Professional liability (E&O) — protects against errors, omissions, or failures in your professional services
- Cyber insurance — covers losses from cyberattacks, ransomware, and data breaches
- Employers liability — supplementary coverage to CNESST for employment law disputes
Also check out our specialized pages: construction contractor insurance, cyber insurance, and our business insurance tips.
Fill out the form below to get your free quote in 2 minutes.
Frequently asked questions — Business insurance
Does my home insurance liability cover my home office?
No. Home insurance liability generally excludes commercial activities conducted from your home. If you receive clients, deliveries, or operate a freelance profession from home, you need a commercial endorsement or a separate business insurance policy to be properly covered.
Do I need to insure my employees with business insurance?
Work accidents are covered by CNESST, which you contribute to through employer contributions. However, CNESST doesn’t cover all risks. Group health insurance (benefits) for your employees’ health, medications, and disability coverage is separate and voluntary. Your broker can guide you toward the right protections for your situation.
What is employers liability insurance?
Employers liability covers employee claims against your company for situations not covered by CNESST, such as employment law disputes or lawsuits for psychological harassment. It’s important supplementary protection, especially for businesses with multiple employees.
How much does business insurance cost for a small business in Quebec?
Premiums vary significantly based on industry, revenue, premises size, number of employees, and coverage choices. Basic general liability for a freelancer can start around $500/year; comprehensive coverage for an SME can represent thousands annually. An AccesDirect broker can prepare a personalized quote for you.
Do I need professional liability insurance (E&O)?
If you provide professional services (consulting, design, accounting, IT, architecture, etc.) and an error or omission can cause financial harm to a client, professional liability is highly recommended. Some clients (governments, large companies) may even require it in their contracts.
Is business interruption insurance really useful for an SME?
Yes. If a fire or major claim forces you to cease operations for weeks or months, business interruption insurance provides replacement income based on your usual net profit. Without it, you must continue paying fixed costs (rent, salaries, loans) without revenue — which can lead to bankruptcy.
Does my business insurance cover my commercial vehicles?
No. Vehicles used for commercial purposes (deliveries, client visits, equipment transport) require separate commercial auto insurance. Your personal auto insurance generally excludes business use. Check our page on auto insurance for more information.
What is cyber insurance for businesses?
Cyber insurance covers financial losses from cyberattacks, ransomware, personal data breaches, and IT system downtime. It can include customer notification costs, legal fees, and business interruption losses. It’s increasingly essential for any business handling customer data.
Do I need to declare my subcontractors to my insurer?
Yes. If you use subcontractors, your insurer must be informed as this can affect your liability coverage. Ideally, require your subcontractors to have their own liability insurance and provide a certificate naming you as an additional insured.
How does the business insurance quote process work?
Fill out our online form with basic information about your business (industry, revenue, number of employees, premises). One of our AMF-certified brokers will contact you quickly to validate your needs, explain available coverage, and present the best market offers. The service is free and without obligation.