{"id":4693,"date":"2026-06-11T18:18:09","date_gmt":"2026-06-11T18:18:09","guid":{"rendered":"https:\/\/la-turquoise.dev-1.hamakmarketingnumerique.com\/?page_id=4693"},"modified":"2026-08-20T11:46:56","modified_gmt":"2026-08-20T11:46:56","slug":"professional-liability","status":"publish","type":"page","link":"https:\/\/www.laturquoise.ca\/en\/business\/professional-liability\/","title":{"rendered":"Professional liability"},"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=\"1300\" height=\"807\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1398986772-e1783698196711.jpg\" class=\"img-cover\" alt=\"Professional team in formal attire in an office, illustrating professional liability and business insurance in Quebec.\" \/>        <\/div>\n\n        <div class=\"personal-hero__content\">\n                                                <p class=\"personal-hero__subtitle anim anim-fade-right\">\n                        Professional liability                    <\/p>\n                \n                                    <h1 class=\"personal-hero__title anim anim-fade-right\">\n                        Professional liability insurance 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        Get 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 prepare your professional liability insurance quote efficiently, here is the information that is useful to have ready. The exact details needed may vary depending on your profession, services, clients, contracts, territories, claims history, and insurer underwriting requirements.<\/span><\/p>\n<p><b>For all types of insurance<\/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<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Your banking information, if you opt for pre-authorized payments<\/span><\/li>\n<\/ul>\n<p><b>Your business and professional services<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A clear description of the professional services, advice, consulting, technical work, or specialized expertise your business provides<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The types of clients you serve, such as individuals, businesses, public bodies, associations, or professional firms<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The territories where you deliver services, sign contracts, or serve clients, including Quebec, the rest of Canada, the United States, or other markets<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Your approximate annual revenue, broken down by service type or client category if available<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The number of owners, employees, subcontractors, consultants, or professionals who deliver services on behalf of the business<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Any client contracts, professional standards, mandates, tenders, or certificate requests that require a specific professional liability limit, additional wording, or proof of insurance<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Your current professional liability policy, retroactive date, continuity requirements, and any prior claims, complaints, disputed mandates, known incidents, or circumstances that could lead to a claim<\/span><\/li>\n<\/ul>\n<p><span style=\"text-decoration: underline\"><b>The more information we know, the more our brokers can prepare the file clearly, identify underwriting questions early, and review available professional liability insurance options. These options are based on your services, contracts, client profile, prior work, territories, desired limits, continuity needs, and insurer requirements.<\/b><\/span><\/p>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/section>\n\n\n<section class=\"program-coverage 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-2200158922.jpg\" class=\"program-coverage__image\" alt=\"Two professionals finalizing an agreement over a desk with documents, related to financial risk management and insurance for investors in Quebec.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2200158922.jpg 836w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2200158922-200x300.jpg 200w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2200158922-683x1024.jpg 683w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2200158922-768x1152.jpg 768w\" sizes=\"auto, (max-width: 836px) 100vw, 836px\" title=\"Two professionals finalizing an agreement over a desk with documents, related to financial risk management and insurance for investors 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 professional liability insurance?<\/h2>\n<p><span style=\"font-weight: 400\">Professional liability insurance, also known as errors and omissions (E&amp;O) insurance, may respond when a client or another party alleges financial loss caused by your advice, error, omission, negligence, or professional service. The policy wording, limits, deductibles, exclusions, retroactive date, and reporting conditions will apply.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Even with experience and proven methods, professional service work carries risk. Advice, analysis, recommendations, and decisions can be challenged if a client believes they caused a financial loss.<\/span><\/p>\n<p><span style=\"font-weight: 400\">For example, a claim may arise when:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A recommendation is alleged to have led to a business decision that caused a client\u2019s financial loss.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">An error in a service requires the client to correct, redo, or delay part of their operations.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Key information is omitted and a client alleges they made a decision on incomplete grounds.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">These risks can affect service businesses, professionals, and consulting firms. They are different from a physical accident because the issue is tied to the quality of the advice, analysis, or service delivered.<\/span><\/p>\n<p><span style=\"font-weight: 400\">A La Turquoise broker can review your services, contracts, client profile, and insurer requirements. This helps you compare professional liability insurance options for your business in Quebec.<\/span><\/p>\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                    <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\" 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>Professional liability (Errors and omissions)<\/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                                Professional liability (Errors and omissions)                                <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\">Professional liability may respond when a claim alleges that your advice, error, omission, negligence, or professional service caused a financial loss to a client or another party. It focuses on the quality of the service delivered rather than a physical accident, subject to the policy wording.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">You provide advice that does not match the client\u2019s actual situation.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">You deliver a service that contains an error and must be corrected.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">You omit important information that influences a business decision.<\/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                                Claims related to past services                                <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\">Professional liability claims are often made after the service was delivered. Coverage for past services depends on the policy\u2019s retroactive date, prior-knowledge rules, continuity conditions, reporting requirements, and exclusions.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A client identified an error several months after the service was delivered.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Work completed in the past is called into question at a later date.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A complaint is filed long after the fact.<\/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                                Claims-made coverage and gaps in coverage                                <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\">Professional liability insurance often works differently from many other business insurance policies. What matters is not only when the work was done, but also when the claim is made. If a client complains today about work you completed in the past, your current policy may need to respond. That is why it is important to avoid gaps in coverage and to review the retroactive date, reporting rules, known circumstances, and insurer change requirements before making coverage changes.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A claim is made today for work completed before the current policy period.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">You change insurers and need to preserve continuity for prior services.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A gap in coverage, late notice, or known circumstances could affect how a claim is handled.<\/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                                Protection after a change in activity                                <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\">Changes such as closing a business, selling a firm, acquiring another firm, retiring, changing professional activities, or merging operations can create exposure from past services. Extended reporting periods or run-off coverage may be relevant depending on the situation, insurer rules, and policy wording.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">You close the business and a complaint arises at a later date.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">You change your role or the type of services offered.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A past situation resurfaces after a major change.<\/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 specific to professional 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-4\" role=\"region\"\n                                 aria-labelledby=\"claims-step-trigger-4\">\n                                <div class=\"claims-step__answer wysiwyg\">\n                                                                            <p><span style=\"font-weight: 400\">Professional liability insurance has limits and exclusions. It may not apply to intentional acts, criminal conduct, certain fines or penalties, known circumstances, bodily injury or property damage. Better addressed by other coverage, contractual guarantees, or services outside the scope declared to the insurer.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Intentional acts are not covered.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A fine or penalty remains the responsibility of the business.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">An event unrelated to your services falls 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 professional liability insurance?<\/h2>\n<p><span style=\"font-weight: 400\">Professional liability insurance requires a clear understanding of your services, contracts, client expectations, prior work, and professional obligations. A broker can review your activities, claims history, continuity needs, and insurer requirements to help identify risk areas that should be addressed in your file.<\/span><\/p>\n<p><span style=\"font-weight: 400\">A broker can also help you compare professional liability insurance options, prepare the information insurers need, and adjust your coverage as your services, contracts, team, or territories 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        Get 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=\"1411\" height=\"744\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/07\/iStock-1384411573.jpg\" class=\"attachment-full size-full\" alt=\"R\u00e9union d&#039;affaires autour de documents financiers et graphiques sur un bureau. Accompagnement personnalis\u00e9 pour la protection en responsabilit\u00e9 professionnelle.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/07\/iStock-1384411573.jpg 1411w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/07\/iStock-1384411573-300x158.jpg 300w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/07\/iStock-1384411573-1024x540.jpg 1024w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/07\/iStock-1384411573-768x405.jpg 768w\" sizes=\"auto, (max-width: 1411px) 100vw, 1411px\" title=\"R\u00e9union d&#039;affaires autour de documents financiers et graphiques sur un bureau. Accompagnement personnalis\u00e9 pour la protection en responsabilit\u00e9 professionnelle.\" \/>    <\/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 professional liability insurance<\/h2>\n<p><span style=\"font-weight: 400\">Professional liability insurance raises many questions among business owners and managers in Quebec. Here are straightforward answers to help you assess this coverage based on your situation.<\/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 does claims-made professional liability insurance mean?<\/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\">Many professional liability policies focus on when the claim is made, not only when the work was done. For example, a client could complain today about advice or services you provided months or years ago. If your coverage was interrupted, changed without proper continuity, or if a known issue was not reported correctly, there may be a gap. That is why it is important to review your current policy, past policy dates, retroactive date, and reporting obligations before changing or cancelling coverage.<\/span><\/p>\n<p><span style=\"font-weight: 400\">A broker can help you review your retroactive date, prior coverage, current policy, known circumstances, and reporting obligations before you change insurers or make changes to your professional liability coverage.<\/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>What is professional liability (Errors and omissions) insurance?<\/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\">Professional liability insurance, also called errors and omissions or E&amp;O insurance, may respond when a client or another party alleges that your advice, professional service, error, omission, or negligence caused them a financial loss. This is subject to the policy wording.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">You provide advice that leads to an unfavourable business decision.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">You deliver a service that contains an error and must be corrected.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">You omit important information that influences a strategic choice.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">This coverage addresses situations related to the quality of the work delivered, not physical accidents.<\/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>What is the difference between general liability and professional liability?<\/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\">These two coverages address different risks. General liability usually relates to bodily injury, property damage, or certain covered harm involving your premises, operations, products, or employees. Professional liability focuses on financial loss allegedly caused by advice, errors, omissions, negligence, or professional services.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><b>General liability <\/b>may respond when a person is injured on your premises or when property is damaged during your activities. The policy wording applies.<\/li>\n<li style=\"font-weight: 400\"><b>Professional liability<\/b><span style=\"font-weight: 400\"> may respond when a client alleges financial loss tied to your services, advice, error, omission, or expertise, subject to the policy wording.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">A service business may be exposed to both types of situations, depending on the nature of its activities.<\/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>Is professional liability insurance mandatory 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-3\" role=\"region\"\n                                                                    aria-labelledby=\"faq-trigger-3\"\n                                >\n                            <div class=\"faq-item__answer wysiwyg\">\n                                                                    <p><span style=\"font-weight: 400\">Professional liability insurance is not mandatory for every business in Quebec. However, a professional order, client contract, public tender, lender, partner, or industry standard may require it.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A client, a partner, or a contracting authority may require proof of insurance before signing a contract.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Certain activities or professions are governed by specific rules.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">Without professional liability insurance, your business bears the full financial consequences of a claim related to its services.<\/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>What should you do if a client disputes a service long after a mandate ends?<\/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\">If a client disputes a service month or years after a mandate ends, contact your broker promptly. Avoid making admissions or commitments before the situation is reviewed. Professional liability policies often depend on when the claim is made, when the service was performed, the policy\u2019s retroactive date, and reporting conditions.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A client identifies an error several months or years later.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A business decision is disputed after the fact.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A complaint is filed long after the engagement ended.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">Understanding how your coverage accounts for services rendered in the past is important, especially as your activities evolve.<\/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-5\"\n                                    aria-expanded=\"false\" aria-controls=\"faq-panel-5\">\n                                <span>How do you get a quote for professional liability insurance for your 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-5\" role=\"region\"\n                                                                    aria-labelledby=\"faq-trigger-5\"\n                                >\n                            <div class=\"faq-item__answer wysiwyg\">\n                                                                    <p><span style=\"font-weight: 400\">To request a professional liability insurance quote, contact a La Turquoise broker. Prepare information about your services, clients, contracts, revenue, territories, team, current policy, retroactive date, and any prior claims, complaints, disputed mandates, or known circumstances.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">You describe your activities and the services you offer.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">You share your claim history and your current situation.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A broker reviews these elements to guide you through the process.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">This approach ensures your professional liability insurance assessment reflects the reality of your business.<\/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-2203018573.jpg\" class=\"attachment-full size-full\" alt=\"Professional in special education working with clients within a professional services setting. Context related to professional liability insurance in Qu\u00e9bec.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2203018573.jpg 836w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2203018573-200x300.jpg 200w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2203018573-683x1024.jpg 683w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2203018573-768x1152.jpg 768w\" sizes=\"auto, (max-width: 836px) 100vw, 836px\" title=\"Professional in special education working with clients within a professional services setting. Context related to professional liability insurance in Qu\u00e9bec.\" \/>    <\/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\/commercial-vehicles\/\">\n                            <div class=\"personal-needs__item-content wysiwyg\">\n                                <h3>Commercial auto<\/h3>\n<p>Review insurance options for vehicles used in your business activities.<\/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\/cyber-insurance\/\">\n                            <div class=\"personal-needs__item-content wysiwyg\">\n                                <h3>Cyber risk<\/h3>\n<p><span style=\"font-weight: 400\">Review insurance options for cyber incidents such as data breaches, ransomware, system interruption, and certain technology-related losses.<\/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\/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-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 professional liability insurance that fits your business<\/h2>\n<p>Contact a La Turquoise broker to request a professional liability insurance quote and review options that reflect your services, contracts, prior work, and business reality in Quebec.<\/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        Get 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 designed for your everyday needs<\/h2>\n<p><span style=\"font-weight: 400\">Because every situation is different, we can help you explore insurance coverage options for your property, vehicles, activities, and business operations.<\/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                            Commercial lines                        <\/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                            Individual lines                        <\/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\/blog\/\"\n                            >\n                                                    <div class=\"need-card__icon\" aria-hidden=\"true\">\n                                <img decoding=\"async\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/05\/values-cards-icon-1.svg\" class=\"attachment-full size-full\" alt=\"values-cards-icon-1\" \/>                            <\/div>\n                        \n                        <h3 class=\"need-card__title title-m\">\n                            La Turquoise blog                        <\/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\/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    <\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":0,"parent":733,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-4693","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Professional Liability Insurance for Businesses in Quebec | La Turquoise<\/title>\n<meta name=\"description\" content=\"Professional liability insurance, also known as errors and omissions insurance, can help businesses in Quebec respond to claims alleging financial loss caused by advice, errors, omissions, or professional services. 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