Tailored Insurance Solutions for Diverse Montreal Businesses
Qubit Insurance is an independent, AMF-licensed commercial insurance brokerage serving Montreal businesses of all sizes. We compare quotes from more than 20 leading Quebec insurers and specialty markets to find the right protection at competitive rates. Unlike agents tied to one company, our responsibility is to protect your business.<br/>Each coverage listed below is designed to meet Quebec regulations while protecting Montreal businesses from real operational risks, covering everything from General Liability to specialized Cyber protection.
Commercial General Liability Insurance (CGL)
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.
Commercial Property Insurance
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.
Professional Liability Insurance
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.
Cyber Liability Insurance
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.
Business Interruption Insurance
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.<br/>
Commercial Auto Insurance
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.
Directors and Officers Insurance (D&O)
Protects business owners, directors, and executives from personal liability arising from management decisions, regulatory actions, or alleged breaches of fiduciary duty.
Product Liability Insurance
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.
Advantages of Choosing Our Business Insurance Services in Montreal
Choosing business insurance is not just about price. It’s about working with a broker who understands Quebec regulations, local risks, and how coverage performs when claims occur.
Independent Broker Advantage
Quotes are compared across 20+ leading Quebec insurers, including Intact and Lloyd’s, as well as specialty markets. Coverage is selected based on suitability and protection, not tied to a single insurer.
AMF Licensed and Regulated
Fully licensed by Quebec’s financial regulatory authority, the Autorité des marchés financiers. Provincial oversight ensures strict professional standards, continuing education, and consumer protection.
Local Montreal Expertise
Montreal businesses face unique challenges such as harsh winters, older buildings, bilingual operations, neighbourhood-specific risks, and Quebec regulatory requirements. Local expertise allows coverage to be structured correctly from the start.
Fast, Bilingual Claims Support
Dedicated claims assistance when incidents occur, with support available in both English and French throughout the claims process and active advocacy to ensure fair and timely settlements.
Transparent Pricing and Clear Advice
Clear quotes with no hidden fees. Coverage terms, limits, and exclusions are explained in plain language so you understand exactly what you are paying for.
Ongoing Coverage Review
As your business evolves, coverage is reviewed and adjusted for new equipment, additional employees, expanded locations, or changes in operations.
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How Qubit Insurance Structures Coverage for Montreal Businesses
Insurance policies often look similar on paper but perform very differently when claims are filed. Differences in contract wording, exclusions, and claims handling practices usually become apparent only after a loss.
Insurers are evaluated based on claims settlement history, contract clarity, financial strength, and industry specialization. Coverage is structured to comply with Quebec’s Civil Code, AMF regulations, Law 25 privacy requirements, and French language obligations, ensuring your insurance works within Quebec’s legal framework.
Industries We Commonly Serve in Montreal
- Restaurants and food service
- Retail stores and boutiques
- Construction and contracting
- Professional services
- Technology companies and startups
- Healthcare and wellness practices
- Transportation and logistics companies
- Real estate and property management firms
Each industry faces distinct liability, regulatory, and operational risks that require tailored coverage rather than generic insurance policies.
Why Choose Qubit Insurance?
Because we've been insurance customers too, we understand the pain points and focus on what truly matters most.
Exceptional Service
Claims Support
Availability to Help
Competitive Prices
Unbiased Advice
100% Reliable
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Frequently Asked Questions
Got questions about coverage, payments, or claims? Find clear answers here, or reach out to us directly.
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