What Does Home Business Insurance Cover?
Running a business from your Montreal home? Whether you’re freelancing in the Plateau or running an e-commerce shop from Laval, standard home insurance rarely covers your business risks. In Quebec, personal home insurance policies often include only minimal coverage for business property, usually with low sub-limits, and commonly exclude business-related liability.
As an AMF-registered insurance broker in Montreal, Qubit Insurance helps home-based entrepreneurs secure the right type of Business Insurance for their needs. Home Business Insurance fills the critical gaps left by standard home insurance by protecting business property, liability, and income.
Business Property Coverage
We cover your full inventory, electronics, and tools against theft, fire, or water damage—whether they are stored in your home office, a detached garage, or temporarily off-site at a client meeting.
Civil Liability Coverage (CGL)
Our Business Liability coverage protects you against third-party bodily injury and property damage lawsuits. This is often required by landlords and corporate contracts in Quebec.
Business Interruption Coverage
Business Interruption Coverage helps replace lost business income and cover necessary extra expenses if a covered loss makes your home temporarily unusable and prevents you from operating during repairs.
Professional & Specialized Coverage
Depending on the nature of your business, additional coverage such as Professional Liability (Errors & Omissions), Product Liability, Cyber Liability, or Equipment Breakdown may be added to address risks associated with the services you provide, the products you sell, or the technology you rely on.
Why Do Businesses Choose Qubit Insurance?
Businesses choose Qubit Insurance because they need coverage that reflects how they actually operate, not generic policies that leave gaps. We help business owners understand where standard coverage falls short and structure Business Insurance that aligns with their real risks, whether they operate from home or beyond.
Specialized Expertise in Commercial Risk
We specialize in Business Insurance and understand the differences between personal coverage and commercial risk, including how home-based business activities change insurance requirements.
Customized for Your Specific Business
Instead of one-size-fits-all solutions, coverage is structured based on your business activities, equipment, revenue exposure, and whether clients, deliveries, or third parties are involved.
Independent Advice and Options
As an independent brokerage, we work with multiple insurers, allowing us to compare policy options and recommend coverage based on suitability, not a single provider’s offering.
Clear Guidance Without Complexity
We make insurance decisions straightforward. We explain what is covered, what is excluded, and where additional protection may be needed so you can make confident decisions.
Support as Your Business Evolves
As your business grows or changes, your insurance needs can change as well. We help review and adjust coverage to ensure it continues to match your operations over time.
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Who Needs Home Business Insurance?
Home Business Insurance is designed for businesses that operate from a residential address and face risks not covered by standard home insurance. If your business involves equipment, income generation, or interaction with clients or third parties, this coverage is likely necessary.
Consultants and Professional Services
Consultants, designers, accountants, marketers, translators, and other service-based professionals often rely on business equipment and provide advice or services that create professional and liability exposure.
Online and E-Commerce Businesses
Businesses that sell products online or store inventory at home may require coverage for business property, inventory, and liability related to products sold or shipped.
Service Providers Working From Home
Tutors, coaches, IT professionals, and similar service providers may face liability risks when providing services, even if clients do not regularly visit their home.
Trades and Skilled Professionals
Contractors and skilled workers who store tools or equipment at home or manage jobs from a home office often need coverage beyond what personal home insurance allows.
Creative and Home-Based Producers
Artists, bakers, makers, and other creative businesses operating from home may need coverage for equipment, materials, inventory, and liability related to their products or work.
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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