{"id":4689,"date":"2026-06-16T12:43:41","date_gmt":"2026-06-16T12:43:41","guid":{"rendered":"https:\/\/la-turquoise.dev-1.hamakmarketingnumerique.com\/?page_id=4689"},"modified":"2026-08-24T22:07:33","modified_gmt":"2026-08-24T22:07:33","slug":"cyber-insurance","status":"publish","type":"page","link":"https:\/\/www.laturquoise.ca\/en\/business\/cyber-insurance\/","title":{"rendered":"Cyber risk"},"content":{"rendered":"\n<section class=\"personal-hero reveal\">\n    <div class=\"personal-hero__wrapper container\">\n        <div class=\"personal-hero__media\" aria-hidden=\"true\">\n            <img loading=\"lazy\" decoding=\"async\" width=\"1254\" height=\"836\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1455658894.jpg\" class=\"img-cover\" alt=\"Typing on a laptop with a red visual alert, highlighting protection against cyber risks and insurance in Quebec.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1455658894.jpg 1254w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1455658894-300x200.jpg 300w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1455658894-1024x683.jpg 1024w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1455658894-768x512.jpg 768w\" sizes=\"auto, (max-width: 1254px) 100vw, 1254px\" \/>        <\/div>\n\n        <div class=\"personal-hero__content\">\n                                                <p class=\"personal-hero__subtitle anim anim-fade-right\">\n                        Cyber insurance                    <\/p>\n                \n                                    <h1 class=\"personal-hero__title anim anim-fade-right\">\n                        Cyber insurance for businesses in Quebec                    <\/h1>\n                            \n                            <div class=\"personal-hero__actions anim anim-fade-right\">\n                                            \n<div class=\"cta-dropdown\" data-cta-dropdown>\n    <button class=\"cta-dropdown__trigger btn btn--white\" type=\"button\"\n            aria-expanded=\"false\" data-cta-dropdown-trigger>\n        Request a quote        <svg class=\"cta-dropdown__trigger-icon\" aria-hidden=\"true\" width=\"11\" height=\"6\">\n            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n        <\/svg>\n    <\/button>\n\n    <div class=\"cta-dropdown__panel\" data-cta-dropdown-panel>\n                    <p class=\"cta-dropdown__text\">\n                Contact us for a quote            <\/p>\n        \n                    <div class=\"cta-dropdown__links\">\n                                    \n                    <a href=\"tel:18332313757\" class=\"cta-dropdown__link btn btn--white-outlined-green\" aria-label=\"1.833.231.3757\"><span>1.833.231.3757<\/span><\/a>                                    \n                    <a href=\"https:\/\/laturquoise.ca\/en\/contact-us\/\" class=\"cta-dropdown__link btn btn--green\" aria-label=\"Contact form\"><span>Contact form<\/span><\/a>                            <\/div>\n            <\/div>\n<\/div>                    \n                    <a href=\"https:\/\/laturquoise.ca\/en\/claims\/\" class=\"personal-hero__link btn btn--green\" aria-label=\"File a claim\"><span>File a claim<\/span><\/a>                <\/div>\n            \n                            <button class=\"personal-hero__info anim anim-fade-up\" type=\"button\" aria-haspopup=\"dialog\"\n                        aria-controls=\"personal-hero-info-modal\" data-personal-hero-info-modal-trigger>\n                    <svg class=\"personal-hero__info-icon\" aria-hidden=\"true\" width=\"22\" height=\"22\">\n                        <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#info\"\/>\n                    <\/svg>\n\n                    <span>Information to have on hand<\/span>\n                <\/button>\n                    <\/div>\n    <\/div>\n\n    \n            <div class=\"personal-hero__info-modal hero-info-modal\" id=\"personal-hero-info-modal\" role=\"dialog\" aria-modal=\"true\" aria-label=\"Information to have on hand\" hidden data-personal-hero-info-modal>\n            <div class=\"hero-info-modal__overlay\" data-personal-hero-info-modal-close><\/div>\n\n            <div class=\"hero-info-modal__dialog\">\n                <div class=\"hero-info-modal__top\">\n                    <p class=\"hero-info-modal__label\">\n                        Information to have on hand                    <\/p>\n\n                    <button class=\"hero-info-modal__close\" type=\"button\" aria-label=\"Close\" data-personal-hero-info-modal-close>\n                        <svg class=\"hero-info-modal__close-icon\" aria-hidden=\"true\" width=\"23\" height=\"23\">\n                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#burger-close\"\/>\n                        <\/svg>\n                    <\/button>\n                <\/div>\n\n                <div class=\"hero-info-modal__content wysiwyg\">\n                    <p><span style=\"font-weight: 400\">To help us review your cyber insurance request efficiently, it is useful to have a clear picture of how your business protects systems, accesses data, and manages personal or confidential information.<\/span><\/p>\n<p><b>Basic business information<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Your desired effective date<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The name of your current insurer, if your business is already insured<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Your current insurance policy, if you have one<\/span><\/li>\n<\/ul>\n<p><b>Cybersecurity and privacy information<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Whether multifactor authentication is used, and for which systems or services<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Whether remote access, VPN, or virtual login tools are used to access systems or services<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The type of personal, employee, client, or confidential business information your organization stores or processes<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Whether sensitive information includes items such as social insurance numbers, home addresses, dates of birth, payroll information, financial information, or client records<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Whether laptops, cell phones, tablets, or other portable devices can access sensitive information and could create exposure if lost or stolen<\/span><\/li>\n<\/ul>\n<p><span style=\"text-decoration: underline\"><span style=\"font-weight: 400\">The more information we know, the more our brokers can help position your request clearly with the surety market and support the quote process for your specific situation.<\/span><\/span><\/p>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/section>\n\n\n<section class=\"program-coverage program-coverage--accordeons container reveal\">\n    <div class=\"program-coverage__container anim anim-fade-up\">\n        <div class=\"program-coverage__media anim anim-fade-left\">\n            <img loading=\"lazy\" decoding=\"async\" width=\"836\" height=\"1254\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2262098438.jpg\" class=\"program-coverage__image\" alt=\"Interaction with a digital platform on a laptop featuring a global network symbol, highlighting digital risks and insurance protection in Quebec.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2262098438.jpg 836w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2262098438-200x300.jpg 200w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2262098438-683x1024.jpg 683w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2262098438-768x1152.jpg 768w\" sizes=\"auto, (max-width: 836px) 100vw, 836px\" title=\"Interaction with a digital platform on a laptop featuring a global network symbol, highlighting digital risks and insurance protection in Quebec.\" \/>        <\/div>\n\n        <div class=\"program-coverage__content anim anim-fade-right\">\n                            <div class=\"program-coverage__text wysiwyg\">\n                    <h2>What is cyber insurance for businesses in Quebec?<\/h2>\n<p>Cyber insurance is designed to help businesses address certain financial, operational, legal, and reputational consequences of a cyber incident or cyberattack. However, the policy\u2019s terms, conditions, limits, exclusions, and deductibles apply.<\/p>\n<p>Cyber threats are also becoming more frequent and more convincing. Businesses now face attacks that can involve ransomware, compromised passwords, fraudulent emails, AI-generated messages, voice impersonation, supplier impersonation, unauthorized access to systems or data, and interruptions to the digital tools or connected equipment they rely on to operate. Situations that may create cybersecurity, AI-enabled fraud, and business interruption risks.<\/p>\n<p>To learn more about cyber insurance for your business in Quebec, contact a La Turquoise broker by phone or email.<\/p>\n                <\/div>\n            \n                            <div class=\"program-coverage__faq faq__list\">\n                    \n                                            \n                        \n                        <div class=\"faq__item faq-item\" data-faq-item>\n                                                            <h4 class=\"faq-item__question title-s\">\n                                    <button class=\"faq-item__trigger\" type=\"button\" id=\"prog-coverage-acc-faq-trigger-0\"\n                                            aria-expanded=\"false\" aria-controls=\"prog-coverage-acc-faq-panel-0\">\n                                        <span>A business may face a variety of situations, including:<\/span>\n\n                                        <svg class=\"faq-item__icon\" aria-hidden=\"true\" width=\"15\" height=\"8\">\n                                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                        <\/svg>\n                                    <\/button>\n                                <\/h4>\n                            \n                                                            <div class=\"faq-item__answer-wrap\" id=\"prog-coverage-acc-faq-panel-0\" role=\"region\"\n                                                                                    aria-labelledby=\"prog-coverage-acc-faq-trigger-0\"\n                                        >\n                                    <div class=\"faq-item__answer wysiwyg\">\n                                                                                    <ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A cyberattack that allows unauthorized access to systems, accounts, or data.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">An email, text, or AI-generated message designed to obtain confidential information, credentials, or payment instructions.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Fraudulent instructions that impersonate a manager, employee, supplier, client, or trusted business contact.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Voice, video, or written impersonation that uses AI to make a fraudulent request appear more credible.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Malware that blocks access to internet-connected tools, equipment, or systems that rely on over-the-air updates and are essential to business operations.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">An intrusion into computer systems that affects the organization&#8217;s activities.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A data breach or theft involving confidential business, employee, or client information.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A business interruption caused by a cyber incident affecting computer systems, digital infrastructure, connected equipment, or access to essential business tools.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A cyber-attack or privacy breach situation that may have an impact on the business&#8217;s reputation.<\/span><\/li>\n<\/ul>\n                                        \n                                        \n                                                                            <\/div>\n                                <\/div>\n                                                    <\/div>\n                                            \n                        \n                        <div class=\"faq__item faq-item\" data-faq-item>\n                                                            <h4 class=\"faq-item__question title-s\">\n                                    <button class=\"faq-item__trigger\" type=\"button\" id=\"prog-coverage-acc-faq-trigger-1\"\n                                            aria-expanded=\"false\" aria-controls=\"prog-coverage-acc-faq-panel-1\">\n                                        <span>A reality that affects businesses of all sizes<\/span>\n\n                                        <svg class=\"faq-item__icon\" aria-hidden=\"true\" width=\"15\" height=\"8\">\n                                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                        <\/svg>\n                                    <\/button>\n                                <\/h4>\n                            \n                                                            <div class=\"faq-item__answer-wrap\" id=\"prog-coverage-acc-faq-panel-1\" role=\"region\"\n                                                                                    aria-labelledby=\"prog-coverage-acc-faq-trigger-1\"\n                                        >\n                                    <div class=\"faq-item__answer wysiwyg\">\n                                                                                    <p><span style=\"font-weight: 400\">These risks are not limited to large organizations. Automated attacks, AI-assisted phishing, password compromises, and supplier impersonation can affect any business. These attacks can affect businesses that use email, cloud services, online banking, connected equipment, or client data.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Evaluating these risks can help businesses understand how a cyber incident or impersonation attempt could affect operations, privacy obligations, payments, reputation, business continuity, and insurance needs.<\/span><\/p>\n                                        \n                                        \n                                                                            <\/div>\n                                <\/div>\n                                                    <\/div>\n                                    <\/div>\n            \n                            <div class=\"program-coverage__actions\">\n                                            \n<div class=\"cta-dropdown\" data-cta-dropdown>\n    <button class=\"cta-dropdown__trigger btn btn--turquoise\" type=\"button\"\n            aria-expanded=\"false\" data-cta-dropdown-trigger>\n        Contact a broker        <svg class=\"cta-dropdown__trigger-icon\" aria-hidden=\"true\" width=\"11\" height=\"6\">\n            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n        <\/svg>\n    <\/button>\n\n    <div class=\"cta-dropdown__panel\" data-cta-dropdown-panel>\n        \n                    <div class=\"cta-dropdown__links\">\n                                    \n                    <a href=\"tel:18332313757\" class=\"cta-dropdown__link btn btn--white\" aria-label=\"1.833.231.3757\"><span>1.833.231.3757<\/span><\/a>                                    \n                    <a href=\"https:\/\/laturquoise.ca\/en\/contact-us\/\" class=\"cta-dropdown__link btn btn--green-outlined-white\" aria-label=\"Contact form\"><span>Contact form<\/span><\/a>                            <\/div>\n            <\/div>\n<\/div>                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n\n\n<section class=\"claims-steps container reveal\">\n            <div class=\"claims-steps__header wysiwyg anim anim-fade-up\">\n            <h2>\u00a0What coverages are generally associated with cyber insurance for businesses?<\/h2>\n        <\/div>\n    \n            <div class=\"claims-steps__list\">\n                            \n                \n                \n                <div class=\"claims-steps__item anim anim-fade-up\">\n                    <div class=\"claims-step\" data-claims-step>\n                        <button class=\"claims-step__summary\" type=\"button\" id=\"claims-step-trigger-0\"\n                                aria-expanded=\"false\" aria-controls=\"claims-step-panel-0\">\n                            \n                                                            <span class=\"claims-step__title title-m\">\n                                Security and privacy liability                                <svg class=\"claims-step__icon\" aria-hidden=\"true\" width=\"15\" height=\"8\">\n                                    <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                <\/svg>\n                            <\/span>\n                                                    <\/button>\n\n                                                    <div class=\"claims-step__answer-wrap\" id=\"claims-step-panel-0\" role=\"region\"\n                                 aria-labelledby=\"claims-step-trigger-0\">\n                                <div class=\"claims-step__answer wysiwyg\">\n                                                                            <p><span style=\"font-weight: 400\">This coverage may respond when a claim alleges that a data breach, privacy incident, or security failure caused harm involving personal or confidential information.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><b>Unauthorized disclosure of data:<\/b><span style=\"font-weight: 400\"> exposes information held by your clients or partners.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Unauthorized access to systems:<\/b><span style=\"font-weight: 400\"> raises issues related to the management of personal information.<\/span><\/li>\n<\/ul>\n                                    \n                                    \n                                                                    <\/div>\n                            <\/div>\n                                            <\/div>\n                <\/div>\n                            \n                \n                \n                <div class=\"claims-steps__item anim anim-fade-up\">\n                    <div class=\"claims-step\" data-claims-step>\n                        <button class=\"claims-step__summary\" type=\"button\" id=\"claims-step-trigger-1\"\n                                aria-expanded=\"false\" aria-controls=\"claims-step-panel-1\">\n                            \n                                                            <span class=\"claims-step__title title-m\">\n                                Cyber incident response and recovery costs                                <svg class=\"claims-step__icon\" aria-hidden=\"true\" width=\"15\" height=\"8\">\n                                    <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                <\/svg>\n                            <\/span>\n                                                    <\/button>\n\n                                                    <div class=\"claims-step__answer-wrap\" id=\"claims-step-panel-1\" role=\"region\"\n                                 aria-labelledby=\"claims-step-trigger-1\">\n                                <div class=\"claims-step__answer wysiwyg\">\n                                                                            <p><span style=\"font-weight: 400\">This coverage may help with certain direct costs following an incident affecting data, networks, or computer systems, such as response coordination, investigation, remediation, notification, and recovery expenses, depending on the policy wording.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><b>Incident management:<\/b><span style=\"font-weight: 400\"> mobilizes specialized resources after a breach.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Internal corrective actions:<\/b><span style=\"font-weight: 400\"> allow you to restore your technology environment.<\/span><\/li>\n<\/ul>\n                                    \n                                    \n                                                                    <\/div>\n                            <\/div>\n                                            <\/div>\n                <\/div>\n                            \n                \n                \n                <div class=\"claims-steps__item anim anim-fade-up\">\n                    <div class=\"claims-step\" data-claims-step>\n                        <button class=\"claims-step__summary\" type=\"button\" id=\"claims-step-trigger-2\"\n                                aria-expanded=\"false\" aria-controls=\"claims-step-panel-2\">\n                            \n                                                            <span class=\"claims-step__title title-m\">\n                                Events that began before the current policy                                <svg class=\"claims-step__icon\" aria-hidden=\"true\" width=\"15\" height=\"8\">\n                                    <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                <\/svg>\n                            <\/span>\n                                                    <\/button>\n\n                                                    <div class=\"claims-step__answer-wrap\" id=\"claims-step-panel-2\" role=\"region\"\n                                 aria-labelledby=\"claims-step-trigger-2\">\n                                <div class=\"claims-step__answer wysiwyg\">\n                                                                            <p><span style=\"font-weight: 400\">Some cyber policies may address claims, incidents, or circumstances linked to activity that began before the current policy period, provided the policy\u2019s retroactive date, prior-knowledge rules, exclusions, and reporting conditions are satisfied.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A cyber incident, unauthorized access, vulnerability, or data exposure may have started before the current policy took effect.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">You change insurers without creating a gap in cyber coverage, subject to the new policy\u2019s retroactive date and continuity requirements.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Without proper continuity, a prior or ongoing cyber event discovered later could fall outside the current policy.<\/span><\/li>\n<\/ul>\n                                    \n                                    \n                                                                    <\/div>\n                            <\/div>\n                                            <\/div>\n                <\/div>\n                            \n                \n                \n                <div class=\"claims-steps__item anim anim-fade-up\">\n                    <div class=\"claims-step\" data-claims-step>\n                        <button class=\"claims-step__summary\" type=\"button\" id=\"claims-step-trigger-3\"\n                                aria-expanded=\"false\" aria-controls=\"claims-step-panel-3\">\n                            \n                                                            <span class=\"claims-step__title title-m\">\n                                Network business interruption and recovery                                <svg class=\"claims-step__icon\" aria-hidden=\"true\" width=\"15\" height=\"8\">\n                                    <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                <\/svg>\n                            <\/span>\n                                                    <\/button>\n\n                                                    <div class=\"claims-step__answer-wrap\" id=\"claims-step-panel-3\" role=\"region\"\n                                 aria-labelledby=\"claims-step-trigger-3\">\n                                <div class=\"claims-step__answer wysiwyg\">\n                                                                            <p><span style=\"font-weight: 400\">This coverage may apply when a covered cyber incident temporarily prevents your business from using its computer systems, subject to the waiting period, limits, indemnity period, and policy wording.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><b>System access interruption:<\/b><span style=\"font-weight: 400\"> slows down or interrupts day-to-day operations.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Forced shutdown of activities:<\/b><span style=\"font-weight: 400\"> complicates business continuity.<\/span><\/li>\n<\/ul>\n                                    \n                                    \n                                                                    <\/div>\n                            <\/div>\n                                            <\/div>\n                <\/div>\n                            \n                \n                \n                <div class=\"claims-steps__item anim anim-fade-up\">\n                    <div class=\"claims-step\" data-claims-step>\n                        <button class=\"claims-step__summary\" type=\"button\" id=\"claims-step-trigger-4\"\n                                aria-expanded=\"false\" aria-controls=\"claims-step-panel-4\">\n                            \n                                                            <span class=\"claims-step__title title-m\">\n                                Limits and exclusions under cyber insurance                                <svg class=\"claims-step__icon\" aria-hidden=\"true\" width=\"15\" height=\"8\">\n                                    <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                <\/svg>\n                            <\/span>\n                                                    <\/button>\n\n                                                    <div class=\"claims-step__answer-wrap\" id=\"claims-step-panel-4\" role=\"region\"\n                                 aria-labelledby=\"claims-step-trigger-4\">\n                                <div class=\"claims-step__answer wysiwyg\">\n                                                                            <p><span style=\"font-weight: 400\">Cyber insurance has limits and exclusions. Coverage can vary by insurer and may not apply to deliberate acts, certain fines or penalties, known circumstances, uninsured service failures, or events outside the scope of the policy.<\/span><\/p>\n<ul>\n<li style=\"list-style-type: none\">\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A deliberate act does not qualify for coverage.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Privacy or regulatory follow-up may still be required after a breach.<\/span><\/li>\n<\/ul>\n<\/li>\n<li><span style=\"font-weight: 400\">An incident outside the scope of cyber insurance may fall under different coverage.<\/span><\/li>\n<\/ul>\n                                    \n                                    \n                                                                    <\/div>\n                            <\/div>\n                                            <\/div>\n                <\/div>\n                    <\/div>\n    <\/section>\n\n\n<section class=\"claims-cta container reveal\">\n            <div class=\"claims-cta__content anim anim-fade-left\">\n                            <div class=\"claims-cta__text wysiwyg\">\n                    <h2>Why work with a broker for your cyber insurance?<\/h2>\n<p><span style=\"font-weight: 400\">Cyber insurance requires a clear understanding of how your business uses technology, manages information, controls access, and responds to incidents.<\/span><\/p>\n<p><span style=\"font-weight: 400\">A broker can review your operations, digital tools, data practices, and insurer requirements to help identify where a cyber incident could disrupt your activities or expose confidential information.<\/span><\/p>\n<p><span style=\"font-weight: 400\">A broker can also help you compare cyber insurance options, prepare the information insurers need, and adjust your coverage as your tools, controls, and business activities evolve.<\/span><\/p>\n                <\/div>\n            \n                            <div class=\"claims-cta__actions\">\n                                            \n<div class=\"cta-dropdown\" data-cta-dropdown>\n    <button class=\"cta-dropdown__trigger btn btn--green\" type=\"button\"\n            aria-expanded=\"false\" data-cta-dropdown-trigger>\n        Request a quote        <svg class=\"cta-dropdown__trigger-icon\" aria-hidden=\"true\" width=\"11\" height=\"6\">\n            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n        <\/svg>\n    <\/button>\n\n    <div class=\"cta-dropdown__panel\" data-cta-dropdown-panel>\n                    <p class=\"cta-dropdown__text\">\n                Contact us for a quote            <\/p>\n        \n                    <div class=\"cta-dropdown__links\">\n                                    \n                    <a href=\"tel:18332313757\" class=\"cta-dropdown__link btn btn--white-outlined-green\" aria-label=\"1.833.231.3757\"><span>1.833.231.3757<\/span><\/a>                                    \n                    <a href=\"https:\/\/laturquoise.ca\/en\/contact-us\/\" class=\"cta-dropdown__link btn btn--green\" aria-label=\"Contact form\"><span>Contact form<\/span><\/a>                            <\/div>\n            <\/div>\n<\/div>                                    <\/div>\n                    <\/div>\n    \n    <div class=\"claims-cta__media anim anim-fade-right\">\n        <img loading=\"lazy\" decoding=\"async\" width=\"836\" height=\"1254\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2249404471.jpg\" class=\"attachment-full size-full\" alt=\"Person in a hood and black jacket typing on a computer with another screen in the background, illustrating cyberattacks and cyber risk insurance in Quebec.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2249404471.jpg 836w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2249404471-200x300.jpg 200w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2249404471-683x1024.jpg 683w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2249404471-768x1152.jpg 768w\" sizes=\"auto, (max-width: 836px) 100vw, 836px\" title=\"Person in a hood and black jacket typing on a computer with another screen in the background, illustrating cyberattacks and cyber risk insurance in Quebec.\" \/>    <\/div>\n<\/section>\n\n\n\n<section class=\"faq container reveal\">\n            <div class=\"faq__content wysiwyg anim anim-fade-left\">\n            <h2>Frequently asked questions about cyber insurance for businesses<\/h2>\n<p><span style=\"font-weight: 400\">Cyber insurance addresses certain consequences of an incident affecting your computer systems, networks, connected equipment, or data. It is part of a broader cyber risk management approach and can complement existing coverage when your business relies on digital tools or systems to operate.<\/span><\/p>\n        <\/div>\n    \n            <div class=\"faq__list\">\n            \n                            \n                \n                <div class=\"faq__item faq-item anim anim-fade-up\" data-faq-item>\n                                            <h4 class=\"faq-item__question title-s\">\n                            <button class=\"faq-item__trigger\" type=\"button\" id=\"faq-trigger-0\"\n                                    aria-expanded=\"false\" aria-controls=\"faq-panel-0\">\n                                <span>What is cyber insurance for a business in Quebec?<\/span>\n\n                                <svg class=\"faq-item__icon\" aria-hidden=\"true\" width=\"15\" height=\"8\">\n                                    <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                <\/svg>\n                            <\/button>\n                        <\/h4>\n                    \n                                            <div class=\"faq-item__answer-wrap\" id=\"faq-panel-0\" role=\"region\"\n                                                                    aria-labelledby=\"faq-trigger-0\"\n                                >\n                            <div class=\"faq-item__answer wysiwyg\">\n                                                                    <p><span style=\"font-weight: 400\">Cyber insurance for businesses in Quebec can help address certain consequences of a cyber incident or event involving computer systems, networks, connected equipment, digital data, or operational downtime.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><b>Ransomware:<\/b><span style=\"font-weight: 400\"> blocks access to your files and prevents the use of your software.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Malicious software:<\/b><span style=\"font-weight: 400\"> stops or slows down your systems and disrupts your operations.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Loss of access to data:<\/b><span style=\"font-weight: 400\"> complicates the day-to-day management of your business.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">It can be part of a broader cyber risk management approach for businesses in Quebec, alongside preventive controls, incident response planning, and sound data management practices.<\/span><\/p>\n                                \n                                \n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                            \n                \n                <div class=\"faq__item faq-item anim anim-fade-up\" data-faq-item>\n                                            <h4 class=\"faq-item__question title-s\">\n                            <button class=\"faq-item__trigger\" type=\"button\" id=\"faq-trigger-1\"\n                                    aria-expanded=\"false\" aria-controls=\"faq-panel-1\">\n                                <span>Is a small business really at risk of a cyberattack?<\/span>\n\n                                <svg class=\"faq-item__icon\" aria-hidden=\"true\" width=\"15\" height=\"8\">\n                                    <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                <\/svg>\n                            <\/button>\n                        <\/h4>\n                    \n                                            <div class=\"faq-item__answer-wrap\" id=\"faq-panel-1\" role=\"region\"\n                                                                    aria-labelledby=\"faq-trigger-1\"\n                                >\n                            <div class=\"faq-item__answer wysiwyg\">\n                                                                    <p><span style=\"font-weight: 400\">A small or medium-sized business in Quebec can be exposed to cyberattacks as soon as it uses email, software, online accounts, connected tools like laptops or phones, or client data.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><b>A phishing or AI-generated message<\/b><span style=\"font-weight: 400\"> imitates a supplier, client, manager, or employee and may lead to unauthorized access or fraudulent instructions.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>A compromised password:<\/b><span style=\"font-weight: 400\"> gives access to your computer systems.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Human error:<\/b><span style=\"font-weight: 400\"> leads to opening a fraudulent link or sending information or money to the wrong recipient.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">These attacks are often automated, increasingly convincing, and not limited to businesses that believe they are obvious cyber targets.<\/span><\/p>\n                                \n                                \n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                            \n                \n                <div class=\"faq__item faq-item anim anim-fade-up\" data-faq-item>\n                                            <h4 class=\"faq-item__question title-s\">\n                            <button class=\"faq-item__trigger\" type=\"button\" id=\"faq-trigger-2\"\n                                    aria-expanded=\"false\" aria-controls=\"faq-panel-2\">\n                                <span>Does general liability insurance cover cyber risks and client data?<\/span>\n\n                                <svg class=\"faq-item__icon\" aria-hidden=\"true\" width=\"15\" height=\"8\">\n                                    <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                <\/svg>\n                            <\/button>\n                        <\/h4>\n                    \n                                            <div class=\"faq-item__answer-wrap\" id=\"faq-panel-2\" role=\"region\"\n                                                                    aria-labelledby=\"faq-trigger-2\"\n                                >\n                            <div class=\"faq-item__answer wysiwyg\">\n                                                                    <p><span style=\"font-weight: 400\">General liability insurance for businesses does not always cover cyber risks related to computer systems or client data.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><b>A loss of client or employee data:<\/b><span style=\"font-weight: 400\"> can trigger privacy obligations and may not be addressed by standard liability coverage.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>A leak of confidential information:<\/b><span style=\"font-weight: 400\"> can create response, notification, reputational, or legal consequences beyond traditional coverage.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>A cyberattack with no physical damage:<\/b><span style=\"font-weight: 400\"> may still interrupt operations or create costs that traditional insurance may limit or exclude.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">Cyber insurance can complement existing protections by addressing exposures that traditional general liability or property insurance may limit or exclude.<\/span><\/p>\n                                \n                                \n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                            \n                \n                <div class=\"faq__item faq-item anim anim-fade-up\" data-faq-item>\n                                            <h4 class=\"faq-item__question title-s\">\n                            <button class=\"faq-item__trigger\" type=\"button\" id=\"faq-trigger-3\"\n                                    aria-expanded=\"false\" aria-controls=\"faq-panel-3\">\n                                <span>What happens in the event of a cyberattack or data loss in my business?<\/span>\n\n                                <svg class=\"faq-item__icon\" aria-hidden=\"true\" width=\"15\" height=\"8\">\n                                    <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                <\/svg>\n                            <\/button>\n                        <\/h4>\n                    \n                                            <div class=\"faq-item__answer-wrap\" id=\"faq-panel-3\" role=\"region\"\n                                                                    aria-labelledby=\"faq-trigger-3\"\n                                >\n                            <div class=\"faq-item__answer wysiwyg\">\n                                                                    <p><span style=\"font-weight: 400\">A cyberattack can disrupt your operations and require quick action to assess the situation.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><b>Unauthorized access to systems:<\/b><span style=\"font-weight: 400\"> can disrupt operations, expose sensitive information, or block access to the tools your team needs to work.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>A loss of client or employee data:<\/b><span style=\"font-weight: 400\"> can trigger privacy obligations, damage trust, and complicate business relationships.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>An interruption of computer systems:<\/b><span style=\"font-weight: 400\"> can stop orders, billing, service delivery, production, or other essential business activities.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">The response depends on the type of incident, its impact on your activities, the information affected, and the services or coverages included in your policy.<\/span><\/p>\n                                \n                                \n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                            \n                \n                <div class=\"faq__item faq-item anim anim-fade-up\" data-faq-item>\n                                            <h4 class=\"faq-item__question title-s\">\n                            <button class=\"faq-item__trigger\" type=\"button\" id=\"faq-trigger-4\"\n                                    aria-expanded=\"false\" aria-controls=\"faq-panel-4\">\n                                <span>How do I choose cyber insurance suited to my business?<\/span>\n\n                                <svg class=\"faq-item__icon\" aria-hidden=\"true\" width=\"15\" height=\"8\">\n                                    <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                <\/svg>\n                            <\/button>\n                        <\/h4>\n                    \n                                            <div class=\"faq-item__answer-wrap\" id=\"faq-panel-4\" role=\"region\"\n                                                                    aria-labelledby=\"faq-trigger-4\"\n                                >\n                            <div class=\"faq-item__answer wysiwyg\">\n                                                                    <p><span style=\"font-weight: 400\">Choosing cyber insurance depends on your tools, your access points, and how you manage your data.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><b>Remote work:<\/b><span style=\"font-weight: 400\"> multiplies the access points to your computer systems.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>The volume of client or employee data on file: <\/b><span style=\"font-weight: 400\">increases confidentiality risks.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Daily email and online account use: <\/b><span style=\"font-weight: 400\">exposes your business to phishing, impersonation, compromised credentials, and fraudulent instructions.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">A broker can review these elements and help you compare cyber insurance options suited to your risk profile and insurer requirements.<\/span><\/p>\n                                \n                                \n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                    <\/div>\n    <\/section>\n\n\n<section class=\"personal-needs container reveal\">\n    <div class=\"personal-needs__media anim anim-fade-left\">\n        <img loading=\"lazy\" decoding=\"async\" width=\"836\" height=\"1254\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2262250163.jpg\" class=\"attachment-full size-full\" alt=\"Use of a card in front of a computer with a person on the phone in the background, related to cyber fraud risks and cyber insurance in Quebec.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2262250163.jpg 836w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2262250163-200x300.jpg 200w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2262250163-683x1024.jpg 683w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2262250163-768x1152.jpg 768w\" sizes=\"auto, (max-width: 836px) 100vw, 836px\" title=\"Use of a card in front of a computer with a person on the phone in the background, related to cyber fraud risks and cyber insurance in Quebec.\" \/>    <\/div>\n\n    <div class=\"personal-needs__content\">\n                    <h2 class=\"personal-needs__title title-l anim anim-fade-up\">\n                Our other business products            <\/h2>\n        \n                    <ul class=\"personal-needs__list\">\n                \n                                    \n                    <li class=\"personal-needs__item anim anim-fade-up\"\n                        id=\"besoin-1\">\n                        <a class=\"personal-needs__link\" href=\"https:\/\/www.laturquoise.ca\/en\/business\/business-financial-services\/\">\n                            <div class=\"personal-needs__item-content wysiwyg\">\n                                <h3>Business financial services<\/h3>\n<p><span style=\"font-weight: 400\">Explore financing and risk management solutions that can support your business plans.<\/span><\/p>\n                            <\/div>\n\n                            <svg class=\"personal-needs__item-arrow\" aria-hidden=\"true\" width=\"21\" height=\"18\">\n                                <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-more\"\/>\n                            <\/svg>\n                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"personal-needs__item anim anim-fade-up\"\n                        id=\"besoin-2\">\n                        <a class=\"personal-needs__link\" href=\"https:\/\/www.laturquoise.ca\/en\/business\/general-liability\/\">\n                            <div class=\"personal-needs__item-content wysiwyg\">\n                                <h3>General liability<\/h3>\n<p><span style=\"font-weight: 400\">Review coverage options that may respond when your business is alleged to have caused bodily injury, property damage, or other covered harm.<\/span><\/p>\n                            <\/div>\n\n                            <svg class=\"personal-needs__item-arrow\" aria-hidden=\"true\" width=\"21\" height=\"18\">\n                                <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-more\"\/>\n                            <\/svg>\n                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"personal-needs__item anim anim-fade-up\"\n                        id=\"besoin-3\">\n                        <a class=\"personal-needs__link\" href=\"https:\/\/www.laturquoise.ca\/en\/business\/commercial-vehicles\/\">\n                            <div class=\"personal-needs__item-content wysiwyg\">\n                                <h3>Commercial auto<\/h3>\n<p><span style=\"font-weight: 400\">Help insure the vehicles used in your business operations, from service vehicles to commercial fleets.<\/span><\/p>\n                            <\/div>\n\n                            <svg class=\"personal-needs__item-arrow\" aria-hidden=\"true\" width=\"21\" height=\"18\">\n                                <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-more\"\/>\n                            <\/svg>\n                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"personal-needs__item anim anim-fade-up\"\n                        id=\"besoin-4\">\n                        <a class=\"personal-needs__link\" href=\"https:\/\/www.laturquoise.ca\/en\/business\/professional-liability\/\">\n                            <div class=\"personal-needs__item-content wysiwyg\">\n                                <h3>Professional liability<\/h3>\n<p><span style=\"font-weight: 400\">Review protection for claims alleging errors, omissions, negligence, or professional advice that caused financial harm.<\/span><\/p>\n                            <\/div>\n\n                            <svg class=\"personal-needs__item-arrow\" aria-hidden=\"true\" width=\"21\" height=\"18\">\n                                <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-more\"\/>\n                            <\/svg>\n                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"personal-needs__item anim anim-fade-up\"\n                        id=\"besoin-5\">\n                        <a class=\"personal-needs__link\" href=\"https:\/\/www.laturquoise.ca\/en\/business\/business-surety-bonds\/\">\n                            <div class=\"personal-needs__item-content wysiwyg\">\n                                <h3>Surety bond<\/h3>\n<p><span style=\"font-weight: 400\">Explore surety bond options that can help support contractual obligations and reassure project owners or clients.<\/span><\/p>\n                            <\/div>\n\n                            <svg class=\"personal-needs__item-arrow\" aria-hidden=\"true\" width=\"21\" height=\"18\">\n                                <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-more\"\/>\n                            <\/svg>\n                        <\/a>\n                    <\/li>\n                            <\/ul>\n            <\/div>\n<\/section>\n\n\n<section class=\"cta-banner container reveal\">\n            <div class=\"cta-banner__content wysiwyg anim anim-fade-up\">\n            <h2>Find cyber insurance that fits your business<\/h2>\n<p><span style=\"font-weight: 400\">Contact a La Turquoise broker to request a cyber insurance quote and review options that reflect your digital risks, insurer requirements, and business reality in Quebec.<\/span><\/p>\n        <\/div>\n    \n            <div class=\"cta-banner__actions anim anim-fade-up\">\n                            <div class=\"cta-banner__action\">\n                                            \n<div class=\"cta-dropdown\" data-cta-dropdown>\n    <button class=\"cta-dropdown__trigger btn btn--white-outlined-blue\" type=\"button\"\n            aria-expanded=\"false\" data-cta-dropdown-trigger>\n        Request a quote        <svg class=\"cta-dropdown__trigger-icon\" aria-hidden=\"true\" width=\"11\" height=\"6\">\n            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n        <\/svg>\n    <\/button>\n\n    <div class=\"cta-dropdown__panel\" data-cta-dropdown-panel>\n                    <p class=\"cta-dropdown__text\">\n                Contact us for a quote            <\/p>\n        \n                    <div class=\"cta-dropdown__links\">\n                                    \n                    <a href=\"tel:18332313757\" class=\"cta-dropdown__link btn btn--white-outlined-blue\" aria-label=\"1.833.231.3757\"><span>1.833.231.3757<\/span><\/a>                                    \n                    <a href=\"mailto:cde@laturquoise.ca\" class=\"cta-dropdown__link btn btn--blue-dark\" aria-label=\"cde@laturquoise.ca\"><span>cde@laturquoise.ca<\/span><\/a>                            <\/div>\n            <\/div>\n<\/div>                                    <\/div>\n            \n                            <div class=\"cta-banner__action\">\n                                            <a href=\"https:\/\/laturquoise.ca\/en\/contact-us\/\" class=\"cta-banner__link btn btn--blue-dark\" aria-label=\"Send us a message\"><span>Send us a message<\/span><\/a>                                    <\/div>\n                    <\/div>\n    <\/section>\n\n\n\n<section class=\"needs-cards container reveal\">\n            <div class=\"needs-cards__content wysiwyg anim anim-fade-up\">\n            <h2>Insurance solutions for your business and everyday needs<\/h2>\n<p><span style=\"font-weight: 400\">Because every situation is different, La Turquoise offers insurance solutions adapted to your reality, whether it involves your property, vehicles, operations, contracts, or business activities.<\/span><\/p>\n        <\/div>\n    \n            <ul class=\"needs-cards__list\">\n                            \n                <li class=\"needs-cards__item anim anim-fade-up\">\n                    <a class=\"need-card\" href=\"https:\/\/www.laturquoise.ca\/en\/business\/\"\n                            >\n                                                    <div class=\"need-card__icon\" aria-hidden=\"true\">\n                                <img decoding=\"async\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/05\/needs-cards-icon-4.svg\" class=\"attachment-full size-full\" alt=\"needs-cards-icon-4\" \/>                            <\/div>\n                        \n                        <h3 class=\"need-card__title title-m\">\n                            Business insurance                        <\/h3>\n                    <\/a>\n                <\/li>\n                            \n                <li class=\"needs-cards__item anim anim-fade-up\">\n                    <a class=\"need-card\" href=\"https:\/\/www.laturquoise.ca\/en\/personal\/\"\n                            >\n                                                    <div class=\"need-card__icon\" aria-hidden=\"true\">\n                                <img decoding=\"async\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/05\/personal-discounts-icon-2.svg\" class=\"attachment-full size-full\" alt=\"personal-discounts-icon-2\" \/>                            <\/div>\n                        \n                        <h3 class=\"need-card__title title-m\">\n                            Personal insurance          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<a class=\"need-card\" href=\"https:\/\/www.laturquoise.ca\/en\/claims\/\"\n                            >\n                                                    <div class=\"need-card__icon\" aria-hidden=\"true\">\n                                <img decoding=\"async\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/07\/icone20_recadree.svg\" class=\"attachment-full size-full\" alt=\"R\u00e9clamations\" \/>                            <\/div>\n                        \n                        <h3 class=\"need-card__title title-m\">\n                            File a claim                        <\/h3>\n                    <\/a>\n                <\/li>\n                    <\/ul>\n    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