Commercial insurance is a must for any business in Quebec. Whether you are self-employed, a retail store owner, a restaurateur or a construction contractor, adequate protection shields you from lawsuits, losses and business interruptions. At AccesDirect, brokers from our partner brokerages compare offers from several insurers to get you the best coverage at the best price. SMBs, retailers and professionals across Quebec: protect yourself with specialists.
You can also compare several commercial insurers at once through the AccesDirect comparison platform, which brings together offers from partner brokerages.
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Get my free quoteEssential coverages in commercial insurance
A commercial insurance policy has several components. Here are the six most important coverages for Quebec businesses.
Commercial liability
Covers bodily injury or property damage caused to a third party in the course of your activities. Most businesses opt for a minimum of 2 000 000 $ of coverage, often required by commercial leases and contracts.
Property and equipment
Protects your building, inventory, furniture and equipment against fire, theft, vandalism and water damage. Essential for retail stores, restaurants and workshops.
Loss of income and business interruption
Compensates for lost income and fixed expenses (rent, wages, overhead) if a loss forces you to close temporarily. Typically covers 12 to 24 months of interruption.
Professional liability (errors & omissions)
Indispensable for professionals (accountants, lawyers, engineers, consultants). Covers claims tied to an error, omission or negligence in your professional services.
Cyber insurance
Protects your business against data breaches, ransomware and cyberattacks. Covers notification costs, system restoration, crisis management and privacy-related lawsuits.
Commercial auto insurance
Covers your vehicles used for commercial purposes: delivery trucks, vehicle fleets, utility vehicles. Includes commercial liability, collision and specific risks (goods in transit).
How much does commercial insurance cost in Quebec?
The cost of commercial insurance depends on your industry, revenue, number of employees and the coverages selected. Here is an overview of estimated annual premiums for the most common types of businesses in Quebec.
These amounts are estimates based on the Quebec market in 2026. Your actual premium depends on your risk profile, your claims history and the coverages selected. Request a personalized quote for an exact price.
Industries we cover
brokers from our partner brokerages work with insurers specialized in each field. Whatever your industry, we find the right protection for your business reality.
🛒 Retail store
🍴 Restaurants and food service
🏗 Construction and renovation
💼 Professional offices
🚗 Garages and mechanical shops
🏡 Real estate and property management
💻 Technology and startups
🩹 Health and private clinics
⚙️ Manufacturing and industrial
🚚 Transportation and logistics
🌾 Agriculture and agri-food
🤝 Non-profit organizations
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brokers from our partner brokerages compare the best commercial insurers in Quebec for you.
Compare my optionsWhy use a broker for your commercial insurance?
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Access to multiple insurers
A broker compares offers from dozens of commercial insurers. You get the best coverage at the best price, without shopping around yourself.
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Knowledge of your industry
brokers from our partner brokerages know the risks specific to each industry. They identify the essential coverages and eliminate those you don’t need.
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Support in the event of a loss
In the event of a claim, your broker defends your interests and supports you at every step. A major advantage over a direct insurer.
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Certified by the
All brokers from our partner brokerages are. Your protection is in the hands of regulated professionals.
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- applicable regulator
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Frequently asked questions — Commercial insurance in Quebec
Here are the answers to the most common questions about business and commercial insurance in Quebec.
Is commercial insurance mandatory in Quebec?
There is no universal legal requirement, but commercial liability is required in several sectors (construction, professional services). In addition, most commercial leases and contracts require proof of insurance of at least 2 000 000 $. Even when it isn’t mandatory, commercial insurance is essential to protect your business from lawsuits.
How much does commercial insurance cost in Quebec?
Premiums range from $500 to $8,000 per year depending on the type of business. A self-employed worker pays between $500 and $1,500, while a construction contractor may pay between $2,500 and $8,000. The price depends on the industry, revenue, number of employees and the coverages selected. Request a free quote to find out your exact price.
What is commercial liability insurance?
Commercial liability (CL) covers bodily injury or property damage caused to a third party in the course of your professional activities. It also protects against legal fees in the event of a lawsuit. The amount typically seen is at least 2 000 000 $. This is the core coverage of any commercial insurance policy.
What is business interruption insurance?
Business interruption insurance compensates your lost income and your fixed expenses (rent, wages, overhead) if a covered loss (fire, water damage) forces you to close temporarily. It typically covers 12 to 24 months of interruption. Without this coverage, many businesses do not survive a major loss.
Self-employed: which commercial insurance should I get?
As a self-employed worker, the recommended coverages are: commercial liability ($2,000,000),errors & omissions insurance (E&O) if you offer professional services, andequipment insurance if you use expensive equipment. The premium starts around $500 per year. A broker can help you identify exactly what you need.
Cyber insurance: for which type of business?
Cyber insurance is recommended for any business that collects personal data, processes online payments or relies on IT systems. The highest-risk sectors are technology, health, financial services and online retail. It covers notification costs, system restoration, crisis management and privacy-related lawsuits.
Construction: which insurance coverages are needed?
Construction contractors need: commercial liability (minimum $2,000,000, often $5,000,000),builder’s risk insurance (course of construction),equipment insurance,commercial auto insurance for vehicles anderrors & omissions insurance for professionals (engineers, architects). Premiums range from $2,500 to $8,000 depending on the size of the business.
Broker vs direct insurer: what is the difference?
A direct insurer only sells its own products. A broker, compares offers from several insurers to find the best coverage at the best price. In the event of a loss, the broker defends your interests with the insurer. A broker’s service is generally at no additional cost to the insured.
How can I lower my commercial insurance premium?
To lower your premium: bundle your coverages with a single insurer, raise your deductible, install security systems (alarm, sprinklers, cameras), maintain a good history with no claims, and work with a broker who negotiates for you. Some insurers also offer discounts for certified businesses.
What is professional liability insurance (errors & omissions)?
Professional liability insurance, also called errors & omissions (E&O), protects professionals against claims tied to an error, omission or negligence in their services. It is mandatory for several professional orders in Quebec (accountants, lawyers, engineers) and strongly recommended for consultants and service firms.