Insurance for manufacturers, producers and wholesalers in Quebec

Not automatically. Product recall is usually a specific coverage that must be purchased or added to the policy.

A standard commercial liability policy may respond when a product cause covered bodily injury or property damage, subject to the policy wording. It does not necessarily cover the direct costs of recalling, inspecting, replacing, destroying, or communicating about the product itself.

A product recall can generate significant expenses: removing goods from the distribution network, destroying inventory, communication costs, revenue losses, and additional logistics costs.

This coverage is designed for manufacturers, food processors, and wholesale distributors whose products circulate within an extended distribution network.

A broker can help you review whether product recall coverage is relevant based on your products, quality controls, distribution network, contract requirements, and recall exposure.

This can be a significant risk for manufacturers and wholesalers that depend on a limited number of key suppliers.

If your main supplier suffers a loss and can no longer deliver, your production may stop even if your own facilities are undamaged. Your revenue decreases, but your fixed costs continue.

Contingent business interruption coverage may help replace a portion of lost income or cover certain extra expenses. This happens when a covered loss affecting a supplier, customer, or dependent location interrupts your operations. 

This coverage is subject to the policy wording, waiting period, limits, and exclusions.

This protection is particularly relevant for businesses that depend on a single supplier or whose supply chain is not diversified.

The two coverages are distinct and complementary.

• General liability may respond when a claim alleges bodily injury or property damage involving your day-to-day operations, premises, or certain business activities, subject to policy wording.
• Product liability may respond when a claim alleges that a product you manufactured, processed, imported, distributed, or sold caused bodily injury or property damage after it left your control. Subject to policy wording, though.

For a manufacturer, food processor, or wholesale distributor, both coverages are generally necessary. One protects your operations on your premises; the other follows your products all the way to the end consumer.

Not necessarily. The territorial scope of your policy depends on the terms of your contract.

Sales outside Canada, especially in the United States, can change your liability exposure, defence costs, insurer eligibility, and policy requirements. 

Some policies restrict or exclude claims brought in certain jurisdictions, including American courts.

If you export, sell online, distribute through U.S. clients, or manufacture components that enter another product sold outside Canada, tell your broker. 

Your policy should be reviewed for territory, jurisdiction, product liability, contractual obligations, prior acts, retroactive dates where applicable, and any exclusions that could affect cross-border claims.

A broker can help review whether your current policy reflects your actual sales territories and whether changes are needed before products are sold into another market.

To request a quote, contact a La Turquoise broker by phone, email, or online form. Prepare key information about your business, products, equipment, premises, inventory, revenue, suppliers, clients, territories, and current insurance.

To receive a quote quickly, you should have some basic information on hand. This includes the type of activity, a description of the products you manufacture or distribute, your annual revenue, and the value of your production equipment. Information about your main suppliers and distribution markets also helps with the assessment.

A broker reviews your file and helps compare insurance options available on the market based on your operations, insurer eligibility, coverage needs, risk profile, and budget.