End of the agricultural season
6 min
Professional services
Insurance for professional services businesses in Quebec
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Information to have on hand
The more complete your information is, the easier it is for a broker to understand your activities, review general liability and professional liability exposures, and guide you toward insurance options that fit your business.
For all types of insurance
- The desired effective date
- The name of your current insurer, if you are already insured
- Your current insurance policy, if you have one
- Your banking information, if you opt for automatic withdrawal
Your professional services business
- A clear description of your professional services, including the advice, work, or deliverables you provide to clients
- The number of employees, contractors, subcontractors, and external collaborators who work with your clients or handle client information
- Your recent revenue information or financial statements, if available
- A copy of your current insurance policy, if applicable
- Details on contracts, professional orders, client requirements, or association requirements that mention general liability, errors and omissions, or specific insurance limits
Your building (if you are the owner)
- The estimated reconstruction value of your building
- The zoning regulations applicable to your premises
- The presence of an intrusion alarm system and its type (partial or complete)
Your equipment and data
- The value of your contents, equipment, and leasehold improvements
- Confirmation that your data is backed up outside your place of business
- Confirmation that your servers are elevated at least 4 inches off the ground, if applicable
Insurance programs for professional services businesses
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Anges Québec (private investor network)
A member of the Anges Québec network? Review insurance options available for private investors and network members in Quebec.
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Association des éducatrices et éducateurs spécialisés du Québec (AEESQ)
A member of the AEESQ? Review insurance options designed for specialized education professionals, including coverage that may respond to claims linked to your services, activities, and client interactions.
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Financial firms and services
Financial planner, advisor, or financial services firm: review insurance options that may help address professional liability, general liability, cyber, property, and regulatory requirements in Quebec.
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Mortgage brokers and brokerage firms
Mortgage broker or brokerage firm: review insurance options that reflect your professional reality, client obligations, and regulatory requirements in Quebec.
Insurance for professional services businesses that clients depend on
When clients rely on your advice, expertise, or services, a small mistake, misunderstanding, injury, property damage incident, cyber events, or contractual requirement can quickly become a serious business issue.
La Turquoise can help you review insurance options for professional services businesses in Quebec, including general liability, errors and omissions, commercial property, cyber insurance, business interruption, equipment breakdown, and other coverages depending on your activities.
- A client slips during a visit to your office. A contractor damages a client’s equipment while performing work.
- A client alleges that an error in your advice caused financial loss. Sensitive client information is exposed after a cyber incident.
Each situation may involve different coverage, exclusions, limits, deductibles, and insurer requirements, which is why it helps to speak with a broker before assuming one policy does it all.
Contact us for a quote
Coverage options to consider for professional services
Professional services businesses often need more than one type of insurance. General liability may respond to certain claims involving bodily injury, property damage, or personal and advertising injury connected to your premises or operations.
Important distinctions
- Errors and omissions coverage, also called professional liability, may respond when a client alleges that your professional advice, service, error, omission, or negligence caused a financial loss.
- General liability and professional liability do not solve the same problem. General liability is usually tied to injury or property damage claims.
- Professional liability is usually tied to allegations about your professional work, advice, or service. Many professional businesses need both subjects to insurer eligibility, terms, conditions, exclusions, limits, deductibles, and policy wording.
Other coverage may be needed for property, equipment, business interruption, cyber risk, commercial auto, goods in transit, or contractual obligations.
Partner associations and programs
La Turquoise works with several associations, professional groups, and organizations to make insurance options easier to access for their members. Browse the list to see whether a program is available for your profession, industry, or association.
Affinity programs and discounts
- Anges Québec (réseau d’investisseurs privés)
- Arboriculteurs (Société internationale d’arboriculture Québec – SIAQ)
- Association of Canadian Travel Agencies (ACTA)
- Association des éducatrices et éducateurs spécialisés du Québec (AEESQ)
- Association des hôteliers du Québec
- Association des propriétaires de salons de quilles du Québec (APSQQ)
- Quebec Professional Home Builders Association (APCHQ)
- Association pour entrepreneurs en construction au Québec (ACQ)
- Association professionnelle des ergonomes du Québec (APEQ)
- Cabinets et services financiers
- Corporation des zoothérapeutes du Québec (CZQ)
- Courtiers et cabinets en courtage hypothécaire
- Fédération des producteurs forestiers du Québec
- NAPA Autopro
- Harnois (essence), Détaillant carburant
- Mécanique Services Web (MSW), cybersécurité
- Médecines alternatives
- Professionnels de l’esthétique et soins de beauté (APESEQ)
- Regroupement québécois des résidences pour aînés (RQRA)
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Your questions about insurance for professional services businesses in Quebec
Professional services businesses can face risks that are not always covered by a standard policy. These questions address common situations and can help you prepare before speaking with a broker.
General liability insurance may respond to certain third-party claims. These may involve bodily injury, property damage, or personal and advertising injury connected to your premises, operations, or business activities. For example, it may be relevant if a client is injured at your office or if your business damages someone else’s property.
It is different from errors and omissions insurance, which is usually tied to allegations about your professional advice, service, error, omission, or negligence.
Many do because the two coverages respond to different kinds of risk.
- General liability is usually relevant to injury or property damage claims.
- Errors and omissions insurance, also called professional liability, is usually relevant when a client alleges that your professional work, advice, error, omission, or negligence caused financial loss. Your contracts, professional obligations, services, revenues, and insurer requirements can all affect what coverage is appropriate.
Examples of potential insurance claims include visitor injuries, client property damage, financial loss due to advice, privacy breaches, and contract-specific insurance requirements. Coverage varies based on policy details, facts, exclusions, limits, and insurer review.
Prepare to explain your business’s activities, target audience, operating location, revenues, workforce (employees or contractors), contracts, insurance, client, association, professional order, or lender requirements. If you handle sensitive data, visit client sites, own equipment, rent or own premises, or use vehicles for business, include that information.
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More insurance solutions for your professional and business needs
Because your insurance needs can extend beyond professional liability, La Turquoise can also help you explore coverage options for your premises, equipment, cyber risks, business vehicles, and other commercial exposures.
