Commercial insurance

Civil liability

This coverage is essential to all insurance policies. See the sections that apply to your situation:


Whatever your insurance needs, we can meet them. Or better yet, we will help identify and fulfill your needs with the flexibility required by today’s ever-changing world and increasingly complex products.
Remember, when it comes to insurance, a broker is your best advisor!

General civil liability

Did you know that the average lawsuit lasts 6 years?

Civil liability insurance covers two types of damages, bodily injury and material damages. This coverage comes into play in the event that you are sued for either of these types of damages.
This insurance covers the risk of injury to your clients and visitors while in the workplace or off-site while performing work-related activities for the company.

The purpose of civil liability insurance is to protect your assets. The amount of insurance you purchase should correspond to the level of risk to which you are exposed. Your broker will assess your situation and let you know how much insurance you need.

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Click here for some examples

Following a covered accident, whether or not you are at fault, this coverage includes legal costs.

Umbrella liability can also be added to your general civil liability. It increases the amount of your basic insurance policy.

Professional liability/Errors and omissions insurance


Professional liability insurance and errors and omissions insurance are essential to any company that provides professional services or designs and/or installs products, and that wants to protect itself against potential lawsuits.

It is intended for people who are likely to cause their clients to lose time and money as a result of defects in their products, erroneous advice or omitted instructions.

There are several recognized professions that are eligible for these policies. Visit the website to find out if you qualify. Some professional orders require you to have this type of coverage. Note that it does not replace general civil liability.

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Umbrella/excess liability


Do your insurance policies provide only basic coverage and therefore fail to meet your business needs?

Umbrella/excess liability coverage provides you with anywhere from $1 million to $5 million in additional civil liability coverage.

Some fields are exposed to risks that make them more susceptible to lawsuits. Ask your broker if yours is one of them.

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Directors' and Officers' liability

Since the amendment of the Civil Code of Québec in 1986, the directors of an association or non-profit organization can be sued and held personally liable for acts committed during the performance of their duties. The professional responsibilities of directors and officers include the following three duties:

  • Duty of diligence (duty of care): Act reasonably, in good faith, in the organization’s best interest.
  • Duty of loyalty: Place the interest of the organization before their own.
  • Duty of obedience: Act within the scope of the organization, within applicable rules and laws.

If your reputation is important to you, don't risk it. If you sit on a board of directors, purchasing a Directors' and Officers' Liability policy is strongly recommended.

Examples of lawsuits:

  • Wrongful dismissal
  • Income tax evasion

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Pollution

Depending on your activity sector, you may need Pollution insurance.

The risk of pollution covers soil remediation on third-party property. We also offer coverage of environmental cleanup of property you own or lease.

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