Qubit Insurance is an independent, AMF-licensed brokerage based in Montreal. We compare quotes from more than 20 Quebec insurers, including Intact, Desjardins, Promutuel, Economical, Wawanesa, L’Unique, Lloyd’s, and specialty markets. We work for you, not for any insurer.
You own a duplex, triplex, or multi-unit residential building. Your tenants are residential. The risks that matter most to you are water damage, tenant-caused fire, slip-and-fall liability, and lost rental income during repairs. We build landlord policies that protect the building, your income, and your personal assets — not generic homeowner’s policies stretched to cover rentals.
You own an office building, retail plaza, mixed-use property, or industrial space. Your tenants include businesses. Restaurant tenants, commercial cooking equipment, customer foot traffic, and ground-floor retail change your risk profile completely. We structure commercial property policies with the right CGL limits, equipment breakdown coverage, and rental income protection for buildings of this scale.
You manage the master insurance policy for a condo building. Master policy deductibles directly affect what unit owners pay if a claim hits a common area. The trade-off between premium and deductible is not abstract — it is a board-level decision with real consequences for residents.
You manage buildings for landlords or syndicates. Your client’s policy does not cover you if a tenant sues over a maintenance issue you handled. You need your own coverage — professional liability, general liability for managed properties, and cyber coverage for the tenant data on your systems.
You own multiple properties across Montreal, the South Shore, Laval, or Greater Quebec. Most brokers price each building separately, which costs you money and creates inconsistent coverage gaps across your portfolio. We structure blanket or coordinated policies that protect every property under one broker relationship and one annual review.
You are a real estate agent, broker, home inspector, or appraiser. You need professional liability (Errors & Omissions) to protect yourself if a client claims your advice, inspection, or valuation caused them financial loss.
Residential rentals, commercial buildings, syndicat policies, professional liability — one broker, one relationship, one annual review. No more juggling brokers across properties.
We compare quotes from Intact, Desjardins, Promutuel, Economical, Wawanesa, L’Unique, Lloyd’s, and specialty markets that generalist brokers often do not access. The same building can be quoted very differently across this group, which is why comparison matters.
Exclusions, sub-limits, vacancy clauses, water damage definitions, and equipment breakdown terms. Policies are reviewed before you sign, explained in plain language, and confirmed against your actual property and tenant mix.
When a claim happens, we contact the insurer, clarify policy language, and advocate for fair settlement. Bilingual claims support — English and French — throughout the process.
Licensed by the Autorité des marchés financiers. Our legal duty under Quebec’s Distribution Act is to recommend coverage that fits your needs, disclose conflicts of interest, and explain exclusions before you sign. Independent of all insurers.
Properties change. You renovate, acquire, sell, add commercial tenants, or switch to short-term rentals. We contact you before every renewal, benchmark your rates against the current market, and adjust coverage across the entire portfolio.
Quote comparison, policy binding, claims support — all over text, WhatsApp, email, or phone. No call centre, no hold times, no office visit required.

These are the five coverages that matter most for Montreal real estate. The rest is details we customize to your property.
1
This covers the physical structure of your building and permanently attached fixtures. Replacement cost coverage ensures you can rebuild at today’s construction prices — critical for older Montreal buildings where rebuild cost almost always exceeds market value.
2
If a covered event makes your building uninhabitable, this replaces the rent you lose during repairs. The coverage period needs to match the realistic repair timeline for your building. We structure it so it does.
3
Covers bodily injury and property damage claims from tenants, visitors, and third parties. This includes slip-and-fall accidents, balcony failures, and parking lot incidents.
4
These are the three claims that matter most in Montreal. Sewer backup and overland flood are not included in standard policies — they are riders we add. Equipment breakdown covers boiler, HVAC, and elevator failures that property insurance excludes.
5
For property managers and real estate professionals. Protects against claims of negligence, errors, or data breaches. Quebec’s Law 25 makes cyber coverage increasingly essential for anyone managing tenant or client information electronically.
Because we've been insurance customers too, we understand the pain points and focus on what truly matters most.
Got questions about coverage, payments, or claims? Find clear answers here, or reach out to us directly.
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Montreal Areas We Serve
Real estate insurance pricing varies by postal code, building age, and neighbourhood claims history. We place coverage across Greater Montreal.
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438 Rue Isabey Suite 210, Saint-Laurent, Quebec H4T 1V3 1155 Rue Metcalfe Suite 1500, Montreal, Quebec H3B 2V6
438 Rue Isabey Suite 210, Saint-Laurent, Quebec H4T 1V3 1155 Rue Metcalfe Suite 1500, Montreal, Quebec H3B 2V6
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