Comprehensive Business Insurance in Montreal: Protecting Your Assets

Protects your business when third parties suffer bodily injury or property damage caused by your operations, premises, products, or services. Covers legal defence costs, medical expenses, and settlements. Most Montreal landlords require a minimum of $2 million in CGL coverage. Advertising injury such as libel, slander, and copyright infringement, is also included.

Covers your building, equipment, inventory, furniture, computers, and machinery against fire, theft, vandalism, and water damage. Coverage is written on a replacement cost basis, which is critical for Montreal businesses operating in older buildings where rebuilding costs often exceed market value.

Protects service-based businesses against claims of negligence, mistakes, omissions, or failure to deliver promised services. It covers legal defence and settlements when clients claim financial loss. This coverage is mandatory for many regulated professions in Quebec.

Covers data breaches, ransomware attacks, system failures, cyber extortion, and business interruption caused by cyber incidents. Includes forensic investigations, legal fees, and mandatory breach notification costs under Quebec’s Law 25.

Replaces lost income when covered events force temporary closure. Pays ongoing expenses such as rent, salaries, loan payments, and utilities while your business recovers from a covered loss.

Transportation insurance, also known as commercial auto insurance, is required in Quebec for vehicles used for professional purposes. Covers company vehicles, delivery vans, trucks, and employee vehicles used for business operations. Personal auto policies do not provide adequate protection for commercial use.

Protects business owners, directors, and executives from personal liability arising from management decisions, regulatory actions, or alleged breaches of fiduciary duty.

Protects manufacturers, distributors, and retailers against claims arising from products that cause bodily injury or property damage. Often included within CGL policies but may require separate limits depending on product risk.