{"id":4834,"date":"2026-06-08T07:47:04","date_gmt":"2026-06-08T07:47:04","guid":{"rendered":"https:\/\/la-turquoise.dev-1.hamakmarketingnumerique.com\/?post_type=program&#038;p=4834"},"modified":"2026-08-19T19:48:03","modified_gmt":"2026-08-19T19:48:03","slug":"retail-and-store-insurance","status":"publish","type":"program","link":"https:\/\/www.laturquoise.ca\/en\/programs\/retail-and-store-insurance\/","title":{"rendered":"Retail and commercial"},"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-1369508999.jpg\" class=\"img-cover\" alt=\"Clothing retailer reviewing inventory on a tablet in a fashion boutique. Context of commercial activities requiring insurance for merchants in Quebec.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1369508999.jpg 1254w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1369508999-300x200.jpg 300w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1369508999-1024x683.jpg 1024w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1369508999-768x512.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                        Retailers and stores                    <\/p>\n                \n                                    <h1 class=\"personal-hero__title anim anim-fade-right\">\n                        Insurance for retailers and stores 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 retail or store insurance quote efficiently, here is the information that is useful to have ready. The exact details needed may vary depending on your products, premises, inventory, sales channels, security measures, 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 you are 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<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The type of store and the main products you sell<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Your approximate annual revenue and any seasonal inventory peaks<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The approximate value of your inventory, stock, furnishings, and equipment<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The address, size, and use of your premises, and whether you are a tenant or owner<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The presence of a theft alarm, fire alarm, cameras, sprinklers, safe, or other security measures<\/span><\/li>\n<\/ul>\n<p><b>If applicable<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Online sales, shipping, delivery, or export of goods outside Canada<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Products sold under your own brand, imported products, or products you modify before resale<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The presence of an ATM, safe, cash handling, or large cash deposits on the premises<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Restricted or higher-risk products sold, such as alcohol, tobacco, fireworks, e-cigarettes, fuel, or other regulated goods<\/span><\/li>\n<\/ul>\n<p><b>The more information we know, the more our brokers can help position your retail insurance file clearly with insurers and review options based on your business reality in Quebec.<\/b><\/p>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/section>\n\n\n<section class=\"personal-products container reveal pb-0\">\n            <h2 class=\"personal-products__title title-l anim anim-fade-up\">\n            Our retail and store insurance solutions        <\/h2>\n    \n            <ul class=\"personal-products__list\">\n                            \n                <li class=\"personal-products__item anim anim-fade-up\">\n                    <a class=\"personal-products__item-link\" href=\"https:\/\/www.laturquoise.ca\/en\/programs\/retail-and-store-insurance\/harnois-network-service-station\/\">\n                        \n                                                    <div class=\"personal-products__item-content wysiwyg\">\n                                <h3>Harnois \u00e9nergie (fuel), retailer and fuel dealer<\/h3>\n<p><span style=\"font-weight: 400\">Are you part of the Harnois network? Explore insurance options for service stations, convenience stores, fuel retailers, and related retail operations, subject to program eligibility and insurer requirements.<\/span><\/p>\n                            <\/div>\n                        \n                        <svg class=\"personal-products__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    <\/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-649301366.jpg\" class=\"program-coverage__image\" alt=\"Fruit and vegetable retailer holding a crate of fresh produce behind the counter of a shop. Context of commercial activities requiring insurance for merchants in Quebec.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-649301366.jpg 836w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-649301366-200x300.jpg 200w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-649301366-683x1024.jpg 683w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-649301366-768x1152.jpg 768w\" sizes=\"auto, (max-width: 836px) 100vw, 836px\" title=\"Fruit and vegetable retailer holding a crate of fresh produce behind the counter of a shop. Context of commercial activities requiring insurance for merchants in Quebec.\" \/>        <\/div>\n\n        <div class=\"program-coverage__content anim anim-fade-right\">\n                            <div class=\"program-coverage__text wysiwyg\">\n                    <h2>Retail and store insurance, based on your business reality<\/h2>\n<p><span style=\"font-weight: 400\">Retail businesses in Quebec can take many forms, from convenience stores and boutiques to food stores, hardware stores, service stations, specialty retailers, and high-traffic locations. Each store has its own products, premises, customers, equipment, inventory levels, sales channels, and liability exposures.<\/span><\/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>Types of Stores Covered<\/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\">Convenience stores and service stations<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Clothing boutiques, thrift stores, and second-hand shops<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Electronics and appliance stores<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Hardware stores and building supply retailers<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Vape shops and e-cigarette retailers<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Food stores and specialty grocery stores<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Big-box stores and high-traffic retailers<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Household goods and general consumer product retailers\u00a0<\/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>Common Realities in This Sector<\/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\">Retail businesses share several characteristics that directly influence their insurance needs:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Merchandise inventory to protect, often varying by season<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Premises open to the public, with significant daily foot traffic<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Equipment essential to operations (cash registers, payment systems, refrigeration units)<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Theft and vandalism risk present throughout the sector<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Activities that may be regulated (alcohol, tobacco, fireworks, e-cigarettes)<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">A La Turquoise broker can review your situation, identify important exposures, and help you compare retail and store insurance options suited to your activities, subject to insurer terms, conditions, exclusions, limits, deductibles, and eligibility.<\/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                    <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=\"product-protections container reveal pt-0\">\n            <div class=\"product-protections__content wysiwyg anim anim-fade-up\">\n            <h2>Insurance coverages for retailers and stores in Quebec<\/h2>\n<p><span style=\"font-weight: 400\">A retail store means premises open to the public, inventory to protect, equipment essential to daily operations, and liability exposure linked to customers, suppliers, employees, products, deliveries, and online sales. These coverage categories can help address common risks for retailers and stores in Quebec, depending on the policy wording, limits, deductibles, exclusions, and insurer eligibility.<\/span><\/p>\n        <\/div>\n    \n            <div class=\"product-protections__columns product-protections__columns--split\">\n                            \n                <div class=\"product-protections__column\">\n                                            \n                        <div class=\"product-protections__card product-protection-card anim anim-fade-up\"\n                             id=\"protection-1\">\n                            <div class=\"product-protection-card__examples\" data-protection-item>\n                                                                    <button class=\"product-protection-card__examples-trigger\" type=\"button\"\n                                            id=\"protection-trigger-1\"\n                                            aria-expanded=\"false\"\n                                            aria-controls=\"protection-panel-1\">\n                                        <span class=\"screen-reader-response\">\n                                            Examples                                        <\/span>\n                                    <\/button>\n                                \n                                <div class=\"product-protection-card__examples-header\">\n                                                                            <h3>The building and premises<\/h3>\n<p><span style=\"font-weight: 400\">Property coverage may apply when your commercial premises are damaged by a covered loss, such as fire, vandalism, water damage, or another insured peril, depending on the coverage form selected and the policy wording. If you own the building, insured value and reconstruction cost should be reviewed carefully. If you are a tenant, leasehold improvements and tenant obligations may need specific attention.<\/span><\/p>\n                                    \n                                                                    <\/div>\n\n                                                                    <div class=\"product-protection-card__examples-more\" aria-hidden=\"true\">\n                                        <span>Examples<\/span>\n\n                                        <svg class=\"product-protection-card__examples-icon\" aria-hidden=\"true\"\n                                             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                                    <\/div>\n\n                                    <div class=\"product-protection-card__examples-wrap\"\n                                         id=\"protection-panel-1\"\n                                         role=\"region\"\n                                         aria-labelledby=\"protection-trigger-1\">\n                                        <div class=\"product-protection-card__examples-content wysiwyg\">\n                                            <ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A fire breaks out overnight and damages your premises<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Vandalism damages your windows and storefront<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Water damage causes damage to your installations\u00a0<\/span><\/li>\n<\/ul>\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                                            \n                        <div class=\"product-protections__card product-protection-card anim anim-fade-up\"\n                             id=\"protection-3\">\n                            <div class=\"product-protection-card__examples\" data-protection-item>\n                                                                    <button class=\"product-protection-card__examples-trigger\" type=\"button\"\n                                            id=\"protection-trigger-3\"\n                                            aria-expanded=\"false\"\n                                            aria-controls=\"protection-panel-3\">\n                                        <span class=\"screen-reader-response\">\n                                            Examples                                        <\/span>\n                                    <\/button>\n                                \n                                <div class=\"product-protection-card__examples-header\">\n                                                                            <h3>Equipment breakdown<\/h3>\n<p><span style=\"font-weight: 400\">A sudden breakdown of mechanical, electrical, or electronic equipment can slow down or interrupt your operations. Equipment breakdown coverage may help pay eligible repair or replacement costs and certain resulting losses, such as spoilage or business interruption, when included in the policy and subject to its wording, limits, deductibles, and exclusions.<\/span><\/p>\n                                    \n                                                                    <\/div>\n\n                                                                    <div class=\"product-protection-card__examples-more\" aria-hidden=\"true\">\n                                        <span>Examples<\/span>\n\n                                        <svg class=\"product-protection-card__examples-icon\" aria-hidden=\"true\"\n                                             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                                    <\/div>\n\n                                    <div class=\"product-protection-card__examples-wrap\"\n                                         id=\"protection-panel-3\"\n                                         role=\"region\"\n                                         aria-labelledby=\"protection-trigger-3\">\n                                        <div class=\"product-protection-card__examples-content wysiwyg\">\n                                            <ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Your refrigeration system fails and you lose your food inventory<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A power surge damages equipment essential to your operations<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A sudden equipment breakdown interrupts your operations and affects sales\u00a0<\/span><\/li>\n<\/ul>\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                                            \n                        <div class=\"product-protections__card product-protection-card anim anim-fade-up\"\n                             id=\"protection-5\">\n                            <div class=\"product-protection-card__examples\" data-protection-item>\n                                                                    <button class=\"product-protection-card__examples-trigger\" type=\"button\"\n                                            id=\"protection-trigger-5\"\n                                            aria-expanded=\"false\"\n                                            aria-controls=\"protection-panel-5\">\n                                        <span class=\"screen-reader-response\">\n                                            Examples                                        <\/span>\n                                    <\/button>\n                                \n                                <div class=\"product-protection-card__examples-header\">\n                                                                            <h3>General civil liability<\/h3>\n<p><span style=\"font-weight: 400\">General civil liability may respond when a claim alleges bodily injury, property damage, or certain other covered harm caused by your business operations, premises, products, or completed work, including defence costs where covered. For retailers, this can include customer injuries, accidental property damage, product-related claims, and certain delivery-related exposures, subject to policy wording.<\/span><\/p>\n                                    \n                                                                    <\/div>\n\n                                                                    <div class=\"product-protection-card__examples-more\" aria-hidden=\"true\">\n                                        <span>Examples<\/span>\n\n                                        <svg class=\"product-protection-card__examples-icon\" aria-hidden=\"true\"\n                                             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                                    <\/div>\n\n                                    <div class=\"product-protection-card__examples-wrap\"\n                                         id=\"protection-panel-5\"\n                                         role=\"region\"\n                                         aria-labelledby=\"protection-trigger-5\">\n                                        <div class=\"product-protection-card__examples-content wysiwyg\">\n                                            <ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A customer slips on a wet floor and is injured<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A product you sold causes harm to a buyer<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">An employee accidentally damages a neighbour\u2019s property during a delivery\u00a0<\/span><\/li>\n<\/ul>\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                            \n                <div class=\"product-protections__column\">\n                                            \n                        <div class=\"product-protections__card product-protection-card anim anim-fade-up\"\n                             id=\"protection-2\">\n                            <div class=\"product-protection-card__examples\" data-protection-item>\n                                                                    <button class=\"product-protection-card__examples-trigger\" type=\"button\"\n                                            id=\"protection-trigger-2\"\n                                            aria-expanded=\"false\"\n                                            aria-controls=\"protection-panel-2\">\n                                        <span class=\"screen-reader-response\">\n                                            Examples                                        <\/span>\n                                    <\/button>\n                                \n                                <div class=\"product-protection-card__examples-header\">\n                                                                            <h3>Contents and merchandise<\/h3>\n<p><span style=\"font-weight: 400\">Inventory, commercial furnishings, stock, equipment, and tenant improvements may be insured against covered losses such as theft, fire, vandalism, water damage, or other insured perils, subject to policy wording. Because retail inventory can fluctuate by season, promotion, or supplier cycle, insured values should be reviewed so the policy reflects your actual exposure.<\/span><\/p>\n                                    \n                                                                    <\/div>\n\n                                                                    <div class=\"product-protection-card__examples-more\" aria-hidden=\"true\">\n                                        <span>Examples<\/span>\n\n                                        <svg class=\"product-protection-card__examples-icon\" aria-hidden=\"true\"\n                                             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                                    <\/div>\n\n                                    <div class=\"product-protection-card__examples-wrap\"\n                                         id=\"protection-panel-2\"\n                                         role=\"region\"\n                                         aria-labelledby=\"protection-trigger-2\">\n                                        <div class=\"product-protection-card__examples-content wysiwyg\">\n                                            <ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A break-in empties your merchandise storage area<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A fire destroys your warehouse inventory<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Your seasonal stock is damaged before the holidays\u00a0<\/span><\/li>\n<\/ul>\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                                            \n                        <div class=\"product-protections__card product-protection-card anim anim-fade-up\"\n                             id=\"protection-4\">\n                            <div class=\"product-protection-card__examples\" data-protection-item>\n                                                                    <button class=\"product-protection-card__examples-trigger\" type=\"button\"\n                                            id=\"protection-trigger-4\"\n                                            aria-expanded=\"false\"\n                                            aria-controls=\"protection-panel-4\">\n                                        <span class=\"screen-reader-response\">\n                                            Examples                                        <\/span>\n                                    <\/button>\n                                \n                                <div class=\"product-protection-card__examples-header\">\n                                                                            <h3>Business interruption<\/h3>\n<p><span style=\"font-weight: 400\">Business interruption insurance may help replace a portion of lost income and cover certain extra expenses when your store is forced to slow down or close because of a covered loss, subject to the waiting period, limits, indemnity period, coverage form, and policy wording. The right structure matters: a broker can help you review how long income support may be needed, whether extra expense coverage is appropriate, and whether supplier, access, utility, or other contingent business interruption exposures should be considered.<\/span><\/p>\n                                    \n                                                                    <\/div>\n\n                                                                    <div class=\"product-protection-card__examples-more\" aria-hidden=\"true\">\n                                        <span>Examples<\/span>\n\n                                        <svg class=\"product-protection-card__examples-icon\" aria-hidden=\"true\"\n                                             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                                    <\/div>\n\n                                    <div class=\"product-protection-card__examples-wrap\"\n                                         id=\"protection-panel-4\"\n                                         role=\"region\"\n                                         aria-labelledby=\"protection-trigger-4\">\n                                        <div class=\"product-protection-card__examples-content wysiwyg\">\n                                            <ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A fire forces your store to close for three weeks<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Major repair work blocks access to your premises<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A key supplier, nearby loss, or access issue affects your ability to operate, depending on the coverage purchased\u00a0<\/span><\/li>\n<\/ul>\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                                            \n                        <div class=\"product-protections__card product-protection-card anim anim-fade-up\"\n                             id=\"protection-6\">\n                            <div class=\"product-protection-card__examples\" data-protection-item>\n                                                                    <button class=\"product-protection-card__examples-trigger\" type=\"button\"\n                                            id=\"protection-trigger-6\"\n                                            aria-expanded=\"false\"\n                                            aria-controls=\"protection-panel-6\">\n                                        <span class=\"screen-reader-response\">\n                                            Examples                                        <\/span>\n                                    <\/button>\n                                \n                                <div class=\"product-protection-card__examples-header\">\n                                                                            <h3>Crime and theft<\/h3>\n<p><span style=\"font-weight: 400\">Theft, break-ins, vandalism, robbery, employee dishonesty, and other crime-related losses can affect retailers directly. Crime and theft coverage may help respond to covered financial losses involving money, stock, merchandise, or employee dishonesty, depending on the coverage selected, security measures, exclusions, limits, and policy wording.<\/span><\/p>\n                                    \n                                                                    <\/div>\n\n                                                                    <div class=\"product-protection-card__examples-more\" aria-hidden=\"true\">\n                                        <span>Examples<\/span>\n\n                                        <svg class=\"product-protection-card__examples-icon\" aria-hidden=\"true\"\n                                             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                                    <\/div>\n\n                                    <div class=\"product-protection-card__examples-wrap\"\n                                         id=\"protection-panel-6\"\n                                         role=\"region\"\n                                         aria-labelledby=\"protection-trigger-6\">\n                                        <div class=\"product-protection-card__examples-content wysiwyg\">\n                                            <ul>\n<li><span style=\"font-weight: 400\">A break-in occurs outside business hours<\/span><\/li>\n<li><span style=\"font-weight: 400\">An armed robbery targets the cash register<\/span><\/li>\n<li><span style=\"font-weight: 400\">Employees steal merchandise over an extended period.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                    <\/div>\n    <\/section>\n\n\n\n<section class=\"product-practices container reveal\" data-practice-block>\n            <div class=\"product-practices__content wysiwyg anim anim-fade-up\">\n            <h2>Optional coverages for your retail business<\/h2>\n<p><span style=\"font-weight: 400\">Some coverages can be added to your basic policy based on your business activities. Here are relevant options for retailers and stores.<\/span><\/p>\n        <\/div>\n    \n            <div class=\"product-practices__columns\" data-practice-columns>\n                            \n                <div class=\"product-practices__column\">\n                                            \n                        <div class=\"product-practices__card product-practice-card anim anim-fade-up\"\n                             data-practice-card\n                             data-practice-row=\"0\">\n                            <div class=\"product-practice-card__examples\">\n                                \n                                <div class=\"product-practice-card__examples-header\">\n                                                                            <h3>Flood insurance<\/h3>\n<p><span style=\"font-weight: 400\">This coverage may apply to damage caused by rising water or the overflow of a body of water. Depending on the insurer, it may also include damage caused by surface water, such as heavy rain or snowmelt.<\/span><\/p>\n                                    \n                                                                    <\/div>\n\n                                                            <\/div>\n                        <\/div>\n                                            \n                        <div class=\"product-practices__card product-practice-card anim anim-fade-up\"\n                             data-practice-card\n                             data-practice-row=\"1\">\n                            <div class=\"product-practice-card__examples\">\n                                \n                                <div class=\"product-practice-card__examples-header\">\n                                                                            <h3>Goods in transit insurance<\/h3>\n<p><span style=\"font-weight: 400\">If you deliver merchandise or receive supplier orders, this coverage may apply to goods in transit. It can apply during transportation, on the loading dock, and while awaiting delivery.<\/span><\/p>\n                                    \n                                                                    <\/div>\n\n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                            \n                <div class=\"product-practices__column\">\n                                            \n                        <div class=\"product-practices__card product-practice-card anim anim-fade-up\"\n                             data-practice-card\n                             data-practice-row=\"0\">\n                            <div class=\"product-practice-card__examples\" data-practice-item>\n                                                                    <button class=\"product-practice-card__examples-trigger\" type=\"button\"\n                                            id=\"practice-trigger-2\"\n                                            aria-expanded=\"false\"\n                                            aria-controls=\"practice-panel-2\">\n                                        <span class=\"screen-reader-response\">\n                                            Examples                                        <\/span>\n                                    <\/button>\n                                \n                                <div class=\"product-practice-card__examples-header\">\n                                                                            <h3>Sewer backup insurance<\/h3>\n<p><span style=\"font-weight: 400\">A sewer backup can cause significant damage to your premises and inventory. This coverage may apply to damage caused by sanitary sewers, storm sewers, and sump systems.<\/span><\/p>\n                                    \n                                                                    <\/div>\n\n                                                                    <div class=\"product-practice-card__examples-more\" aria-hidden=\"true\">\n                                        <span>Examples<\/span>\n\n                                        <svg class=\"product-practice-card__examples-icon\" aria-hidden=\"true\"\n                                             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                                    <\/div>\n\n                                    <div class=\"product-practice-card__examples-wrap\"\n                                         id=\"practice-panel-2\"\n                                         role=\"region\"\n                                         aria-labelledby=\"practice-trigger-2\">\n                                        <div class=\"product-practice-card__examples-content wysiwyg\">\n                                            <ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A sewer backup damages your flooring and stock in storage<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Heavy rain overloads the sewer system and floods your basement\u00a0<\/span><\/li>\n<\/ul>\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                                            \n                        <div class=\"product-practices__card product-practice-card anim anim-fade-up\"\n                             data-practice-card\n                             data-practice-row=\"1\">\n                            <div class=\"product-practice-card__examples\">\n                                \n                                <div class=\"product-practice-card__examples-header\">\n                                                                            <h3>Directors and officers liability<\/h3>\n<p><span style=\"font-weight: 400\">Directors\u2019 and officers\u2019 liability, or D&amp;O, may cover the financial consequences of a decision made in the course of your duties. A retail business owner may be held personally responsible for a business decision, a disputed termination, or an unfulfilled promise to an employee.<\/span><\/p>\n                                    \n                                                                    <\/div>\n\n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                            \n                <div class=\"product-practices__column\">\n                                            \n                        <div class=\"product-practices__card product-practice-card anim anim-fade-up\"\n                             data-practice-card\n                             data-practice-row=\"0\">\n                            <div class=\"product-practice-card__examples\" data-practice-item>\n                                                                    <button class=\"product-practice-card__examples-trigger\" type=\"button\"\n                                            id=\"practice-trigger-3\"\n                                            aria-expanded=\"false\"\n                                            aria-controls=\"practice-panel-3\">\n                                        <span class=\"screen-reader-response\">\n                                            Examples                                        <\/span>\n                                    <\/button>\n                                \n                                <div class=\"product-practice-card__examples-header\">\n                                                                            <h3>Cyber risk insurance<\/h3>\n<p><span style=\"font-weight: 400\">A retail business that accepts electronic payments or stores customer data can be exposed to cyberattacks. This coverage may help cover costs related to a cyberattack, system restoration, and customer notification.<\/span><\/p>\n                                    \n                                                                            <a class=\"product-practice-card__examples-link\"\n                                           href=\"https:\/\/www.laturquoise.ca\/en\/business\/cyber-insurance\/\">\n                                            Learn more about cyber insurance                                        <\/a>\n                                                                    <\/div>\n\n                                                                    <div class=\"product-practice-card__examples-more\" aria-hidden=\"true\">\n                                        <span>Examples<\/span>\n\n                                        <svg class=\"product-practice-card__examples-icon\" aria-hidden=\"true\"\n                                             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                                    <\/div>\n\n                                    <div class=\"product-practice-card__examples-wrap\"\n                                         id=\"practice-panel-3\"\n                                         role=\"region\"\n                                         aria-labelledby=\"practice-trigger-3\">\n                                        <div class=\"product-practice-card__examples-content wysiwyg\">\n                                            <ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A hacker locks your point-of-sale systems and demands a ransom<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Customer credit card data is stolen\u00a0<\/span><\/li>\n<\/ul>\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                                            \n                        <div class=\"product-practices__card product-practice-card anim anim-fade-up\"\n                             data-practice-card\n                             data-practice-row=\"1\">\n                            <div class=\"product-practice-card__examples\">\n                                \n                                <div class=\"product-practice-card__examples-header\">\n                                                                            <h3>Sales in the United States<\/h3>\n<p><span style=\"font-weight: 400\">Selling products to customers in the United States can expose your business to the U.S. legal system. Civil liability claims may be much higher than in Canada. This coverage adapts your policy to the requirements of that market.<\/span><\/p>\n                                    \n                                                                    <\/div>\n\n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\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 retail and store insurance for your business in Quebec<\/h2>\n<p><span style=\"font-weight: 400\">Speak with a La Turquoise broker to review insurance options for your retail store, commercial premises, inventory, equipment, liability exposures, and business interruption needs.<\/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        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=\"https:\/\/laturquoise.ca\/en\/contact-us\/\" class=\"cta-dropdown__link btn btn--blue-dark\" aria-label=\"Contact form\"><span>Contact form<\/span><\/a>                            <\/div>\n            <\/div>\n<\/div>                                    <\/div>\n            \n                    <\/div>\n    <\/section>\n\n\n\n<section class=\"personal-partners container reveal\">\n    <div class=\"personal-partners__media\" aria-hidden=\"true\">\n        <img src=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/decor\/dist\/personal-partners-bg.jpg\" width=\"4320\" height=\"1806\" alt=\"\" class=\"img-cover\" loading=\"lazy\" decoding=\"async\">    <\/div>\n\n    <div class=\"personal-partners-search anim anim-fade-up\" data-insurance-search>\n                    <div class=\"personal-partners-search__content wysiwyg\">\n                <h3>Partner associations and programs<\/h3>\n<p><span style=\"font-weight: 400\">La Turquoise works with several associations, professional groups, and organizations to offer benefits to their members. Browse the list to see the associations and programs currently available.<\/span><\/p>\n            <\/div>\n        \n        \n        <div class=\"personal-partners-search__box\">\n            <button class=\"personal-partners-search__button\" id=\"personal-partners-search-trigger\" type=\"button\"\n                    aria-expanded=\"false\" aria-controls=\"personal-partners-search-panel\" data-insurance-search-trigger>\n                <span class=\"personal-partners-search__button-text\">\n                    Search                <\/span>\n\n                <svg class=\"personal-partners-search__button-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\n                            <div class=\"personal-partners-search__dropdown\" id=\"personal-partners-search-panel\"\n                     data-insurance-search-panel>\n                    <div class=\"personal-partners-search__search\">\n                        <label class=\"personal-partners-search__input-label screen-reader-response\"\n                               for=\"personal-partners-search-input\">\n                            Search                        <\/label>\n\n                        <div class=\"personal-partners-search__search-field\">\n                            <svg class=\"personal-partners-search__search-icon\" aria-hidden=\"true\" width=\"20\"\n                                 height=\"20\">\n                                <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#search\"\/>\n                            <\/svg>\n\n                            <input class=\"personal-partners-search__search-input\" id=\"personal-partners-search-input\"\n                                   type=\"search\" placeholder=\"Search\"\n                                   data-insurance-search-input>\n                        <\/div>\n                    <\/div>\n\n                    <div class=\"personal-partners-search__groups\" data-insurance-search-groups>\n                                                    \n                            <details class=\"personal-partners-search__group\" data-insurance-search-group>\n                                                                    <summary class=\"personal-partners-search__group-title\">\n                                        Affinity programs and discounts                                        <svg class=\"personal-partners-search__group-icon\" aria-hidden=\"true\"\n                                             width=\"6\" height=\"11\">\n                                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron-prev\"\/>\n                                        <\/svg>\n                                    <\/summary>\n                                \n                                                                    <ul class=\"personal-partners-search__list\" id=\"personal-partners-search-panel-group-0\">\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/en\/programs\/professional-services\/angel-investors\/\"\n                                                   data-insurance-search-link>\n                                                    Anges Qu\u00e9bec (r\u00e9seau d&#8217;investisseurs priv\u00e9s)                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/en\/programs\/farm-and-forest-business-insurance\/professional-insurance-for-siaq-arborists\/\"\n                                                   data-insurance-search-link>\n                                                    Arboriculteurs (Soci\u00e9t\u00e9 internationale d\u2019arboriculture Qu\u00e9bec &#8211; SIAQ)                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/en\/programs\/tourism-hospitality-and-travel\/acta-travel-professionals\/\"\n                                                   data-insurance-search-link>\n                                                    Association of Canadian Travel Agencies (ACTA)                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/en\/programs\/professional-services\/specialized-educator-insurance-aeesq\/\"\n                                                   data-insurance-search-link>\n                                                    Association des \u00e9ducatrices et \u00e9ducateurs sp\u00e9cialis\u00e9s du Qu\u00e9bec (AEESQ)                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/en\/programs\/tourism-hospitality-and-travel\/hospitality-association-hotellerie-quebec\/\"\n                                                   data-insurance-search-link>\n                                                    Association des h\u00f4teliers du Qu\u00e9bec                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/en\/programs\/services-leisure\/bowling-alley-insurance-apsqq-program\/\"\n                                                   data-insurance-search-link>\n                                                    Association des propri\u00e9taires de salons de quilles du Qu\u00e9bec (APSQQ)                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/en\/programs\/construction-and-building\/apchq-construction-members\/\"\n                                                   data-insurance-search-link>\n                                                    Quebec Professional Home Builders Association (APCHQ)                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/en\/programs\/construction-and-building\/construction-insurance-for-acq-members\/\"\n                                                   data-insurance-search-link>\n                                                    Association pour entrepreneurs en construction au Qu\u00e9bec (ACQ)                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/en\/programs\/alternative-and-wellness-practitioners\/apeq-insurance-program\/\"\n                                                   data-insurance-search-link>\n                                                    Association professionnelle des ergonomes du Qu\u00e9bec (APEQ)                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/en\/programs\/professional-services\/financial-services-insurance\/\"\n                                                   data-insurance-search-link>\n                                                    Cabinets et services financiers                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/en\/programs\/alternative-and-wellness-practitioners\/animal-assisted-practitioners\/\"\n                                                   data-insurance-search-link>\n                                                    Corporation des zooth\u00e9rapeutes du Qu\u00e9bec (CZQ)                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/en\/programs\/professional-services\/insurance-for-mortgage-brokers-and-firms\/\"\n                                                   data-insurance-search-link>\n                                                    Courtiers et cabinets en courtage hypoth\u00e9caire                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/en\/programs\/farm-and-forest-business-insurance\/forest-property-owners\/\"\n                                                   data-insurance-search-link>\n                                                    F\u00e9d\u00e9ration des producteurs forestiers du Qu\u00e9bec                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/en\/programs\/insurance-for-garages-and-auto-repair-shops\/napa-autopro-garage\/\"\n                                                   data-insurance-search-link>\n                                                    NAPA Autopro                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/en\/programs\/retail-and-store-insurance\/harnois-network-service-station\/\"\n                                                   data-insurance-search-link>\n                                                    Harnois (essence), D\u00e9taillant carburant                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/en\/programs\/insurance-for-garages-and-auto-repair-shops\/msw-cyber-insurance\/\"\n                                                   data-insurance-search-link>\n                                                    M\u00e9canique Services Web (MSW), cybers\u00e9curit\u00e9                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/en\/programs\/alternative-and-wellness-practitioners\/alternative-medicine-and-wellness\/\"\n                                                   data-insurance-search-link>\n                                                    M\u00e9decines alternatives                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/en\/programs\/estheticians-and-beauty-care-professionals\/insurance-for-aestheticians-and-beauty-care-professionals-apeseq\/\"\n                                                   data-insurance-search-link>\n                                                    Professionnels de l&#8217;esth\u00e9tique et soins de beaut\u00e9 (APESEQ)                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/en\/programs\/senior-care-facilities\/rqra-seniors-residence-insurance\/\"\n                                                   data-insurance-search-link>\n                                                    Regroupement qu\u00e9b\u00e9cois des r\u00e9sidences pour a\u00een\u00e9s (RQRA)                                                <\/a>\n                                            <\/li>\n                                                                            <\/ul>\n                                                            <\/details>\n                        \n                        <p class=\"personal-partners-search__empty\" hidden data-insurance-search-empty>\n                            No results found.                        <\/p>\n                    <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n\n<section class=\"faq container reveal\">\n            <div class=\"faq__content wysiwyg anim anim-fade-left\">\n            <h2>Your questions about retail and store insurance in Quebec<\/h2>\n<p><span style=\"font-weight: 400\">Retail insurance often raises questions about property, inventory, theft, civil liability, online sales, business interruption, and when a store should speak with a broker. These general answers can help business owners in Quebec better understand common coverage issues and prepare for a quote discussion.<\/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 civil liability cover if a customer injures themselves in my store?<\/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\">General civil liability may respond when a claim alleges bodily injury or property damage involving your store, premises, operations, products, or certain business activities, including defence costs where covered. A customer injured inside your store, in your parking lot, or at your entrance can result in a claim, even before liability is determined.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Product-related claims may also need to be reviewed, especially if you sell, import, distribute, modify, or private-label goods. A broker can help you review appropriate liability limits and coverage options based on your products and business activities. The policy wording and insurer eligibility apply.<\/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 my inventory covered in the event of theft or vandalism?<\/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\">Inventory, stock, commercial furnishings, and equipment may be covered for theft, break-ins, vandalism, and other insured losses. This depends on the policy wording, limits, exclusions, deductibles, valuation basis, and security requirements. Merchandise is often valued differently from its retail selling price, so the insured amount should reflect how the policy values your stock.<\/span><\/p>\n<p><span style=\"font-weight: 400\">The type of product you sell, the presence of an alarm system, safe, cameras, access controls, and the location of the property can all influence underwriting. Stores selling high-value, restricted, or attractive goods may be subject to specific insurer requirements. Make sure your insured amount reflects the actual value and seasonal fluctuation of your inventory.<\/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 does business interruption coverage mean, and when can it apply 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-2\" role=\"region\"\n                                                                    aria-labelledby=\"faq-trigger-2\"\n                                >\n                            <div class=\"faq-item__answer wysiwyg\">\n                                                                    <p><span style=\"font-weight: 400\">Business interruption insurance may help replace a portion of lost income and cover certain extra expenses. A covered loss may force your store to close or reduce operations temporarily. Rent, wages, loan payments, and other fixed costs may continue even when sales are interrupted. Therefore, the coverage limit, waiting period, indemnity period, and coverage type should be reviewed carefully.<\/span><\/p>\n<p><span style=\"font-weight: 400\">This coverage generally depends on a covered property loss, the waiting period, limits, indemnity period, and policy wording. Some options may also address extra expenses, gross earnings, profits, or contingent business interruption exposures. These include a covered loss affecting a key supplier, access to your premises, utilities, or another location your business depends on. A broker can help you talk through these options before a loss occurs.<\/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>Do I need different insurance if I sell products online or to customers in the United States?<\/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\">Not always, but online sales, delivery, importing, exporting, and sales outside Canada can change your liability exposure and insurer requirements. Selling physical products is different than selling digital ones. The same is true of selling to customers in the United States or other countries. Your business may face different legal environments, higher defence costs, and coverage restrictions, depending on the product, territory, and policy wording.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Tell your broker if you sell online, ship products, import goods, sell under your own brand, or have customers outside Quebec or Canada. Undisclosed activities can create coverage issues. A broker can help you review whether your current policy reflects your actual sales channels and territories.<\/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>Why work with a broker for my store 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-4\" role=\"region\"\n                                                                    aria-labelledby=\"faq-trigger-4\"\n                                >\n                            <div class=\"faq-item__answer wysiwyg\">\n                                                                    <p><span style=\"font-weight: 400\">A broker is not tied to a single insurer. They can compare insurance options available on the market and help you review coverage suited to your type of store, inventory, sales channels, premises, security measures, and activities. In retail, insurance needs can vary significantly from one business to another.<\/span><\/p>\n<p><span style=\"font-weight: 400\">A broker familiar with commercial insurance can help identify important exposures, review possible coverage gaps, and support you through the claims process when a covered loss occurs. At La\u00a0Turquoise, our commercial lines brokers can help you understand your options and request a retail insurance quote based on your business reality in Quebec.<\/span><\/p>\n                                \n                                \n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                    <\/div>\n    <\/section>\n\n    <section class=\"personal-articles container reveal\">\n        <div class=\"personal-articles__header anim anim-fade-left\">\n            <div class=\"personal-articles__content\">\n                                    <h2 class=\"personal-articles__title title-l\">\n                        Practical tips for retailers, businesses, and everyday protection                    <\/h2>\n                \n                \n                <a href=\"https:\/\/laturquoise.ca\/en\/blog\/\" class=\"personal-articles__link btn btn--white-outlined-green\" aria-label=\"View all our tips\"><span>View all our tips<\/span><\/a>            <\/div>\n\n            <div class=\"personal-articles__nav\" aria-label=\"Navigation du carrousel d\u2019articles\">\n                <button class=\"personal-articles__arrow personal-articles__arrow--prev swiper-button-prev\"\n                        type=\"button\" aria-label=\"Article pr\u00e9c\u00e9dent\">\n                    <svg class=\"personal-articles__arrow-icon\" aria-hidden=\"true\" width=\"25\" height=\"22\">\n                        <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-left\"\/>\n                    <\/svg>\n                <\/button>\n\n                <button class=\"personal-articles__arrow personal-articles__arrow--next swiper-button-next\"\n                        type=\"button\" aria-label=\"Article suivant\">\n                    <svg class=\"personal-articles__arrow-icon\" aria-hidden=\"true\" width=\"25\" height=\"22\">\n                        <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-right\"\/>\n                    <\/svg>\n                <\/button>\n            <\/div>\n        <\/div>\n\n        <div class=\"personal-articles__slider anim anim-fade-up\">\n            <div class=\"swiper personal-articles-slider-js\">\n                <ul class=\"personal-articles__wrapper swiper-wrapper\">\n                                            \n                        <li class=\"personal-articles__slide swiper-slide\">\n                            \n<article class=\"post-card\">\n    <a class=\"post-card__overlay-link\"\n       href=\"https:\/\/www.laturquoise.ca\/en\/end-of-the-agricultural-season\/\"\n       aria-label=\"Read article: End of the agricultural season\"><\/a>\n\n    <div class=\"post-card__media\">\n        \n        <img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"301\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2194911890-e1787579690233-1024x301.jpg\" class=\"img-cover\" alt=\"Farmer reviewing crop fields at the end of the season to assess the year and plan future operations.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2194911890-e1787579690233-1024x301.jpg 1024w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2194911890-e1787579690233-300x88.jpg 300w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2194911890-e1787579690233-768x226.jpg 768w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2194911890-e1787579690233.jpg 1285w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" title=\"Farmer reviewing crop fields at the end of the season to assess the year and plan future operations.\" \/>    <\/div>\n\n    <div class=\"post-card__body\">\n                    <ul class=\"post-card__tags\" aria-label=\"Cat\u00e9gories\">\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/businesses\/\">\n                            Businesses                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/coverage-explained\/\">\n                            Coverage Explained                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/farm-businesses\/\">\n                            Farm Businesses                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/la-turquoise\/\">\n                            La Turquoise                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/practical-advice\/\">\n                            Practical Advice                        <\/a>\n                    <\/li>\n                            <\/ul>\n        \n        <h3 class=\"post-card__title title-m\">\n            End of the agricultural season        <\/h3>\n\n        <div class=\"post-card__bottom\">\n            <div class=\"post-card__meta\">\n                <time class=\"post-card__date\" datetime=\"2026-08-24\">\n                    08\/24\/2026                <\/time>\n\n                                    <span class=\"post-card__meta-sep\" aria-hidden=\"true\"><\/span>\n                    <span class=\"post-card__read-time\">\n                        6 min                    <\/span>\n                            <\/div>\n\n                            <span class=\"post-card__arrow\" aria-hidden=\"true\">\n                    <svg class=\"post-card__arrow-icon\" 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                <\/span>\n                    <\/div>\n    <\/div>\n<\/article>                        <\/li>\n                                            \n                        <li class=\"personal-articles__slide swiper-slide\">\n                            \n<article class=\"post-card\">\n    <a class=\"post-card__overlay-link\"\n       href=\"https:\/\/www.laturquoise.ca\/en\/cyberattacks-in-smes-risks-and-cyber-insurance\/\"\n       aria-label=\"Read article: Cyberattacks and SMEs: understanding cyber risks and the role of cyber insurance\"><\/a>\n\n    <div class=\"post-card__media\">\n        \n        <img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2220462827-1024x683.jpg\" class=\"img-cover\" alt=\"Employ\u00e9e analysant un \u00e9cran d\u2019ordinateur dans un contexte de cybers\u00e9curit\u00e9 en entreprise.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2220462827-1024x683.jpg 1024w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2220462827-300x200.jpg 300w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2220462827-768x513.jpg 768w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2220462827.jpg 1254w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" title=\"Employ\u00e9e analysant un \u00e9cran d\u2019ordinateur dans un contexte de cybers\u00e9curit\u00e9 en entreprise.\" \/>    <\/div>\n\n    <div class=\"post-card__body\">\n                    <ul class=\"post-card__tags\" aria-label=\"Cat\u00e9gories\">\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/businesses\/\">\n                            Businesses                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/coverage-explained\/\">\n                            Coverage Explained                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/cybersecurity\/\">\n                            Cybersecurity                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/general-advice\/\">\n                            General Advice                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/la-turquoise\/\">\n                            La Turquoise                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/practical-advice\/\">\n                            Practical Advice                        <\/a>\n                    <\/li>\n                            <\/ul>\n        \n        <h3 class=\"post-card__title title-m\">\n            Cyberattacks and SMEs: understanding cyber risks and the role of cyber insurance        <\/h3>\n\n        <div class=\"post-card__bottom\">\n            <div class=\"post-card__meta\">\n                <time class=\"post-card__date\" datetime=\"2026-08-23\">\n                    08\/23\/2026                <\/time>\n\n                                    <span class=\"post-card__meta-sep\" aria-hidden=\"true\"><\/span>\n                    <span class=\"post-card__read-time\">\n                        8 min                    <\/span>\n                            <\/div>\n\n                            <span class=\"post-card__arrow\" aria-hidden=\"true\">\n                    <svg class=\"post-card__arrow-icon\" 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                <\/span>\n                    <\/div>\n    <\/div>\n<\/article>                        <\/li>\n                                            \n                        <li class=\"personal-articles__slide swiper-slide\">\n                            \n<article class=\"post-card\">\n    <a class=\"post-card__overlay-link\"\n       href=\"https:\/\/www.laturquoise.ca\/en\/insurance-broker-in-quebec-role-and-benefits\/\"\n       aria-label=\"Read article: Role, benefits and differences from a direct insurer\"><\/a>\n\n    <div class=\"post-card__media\">\n        \n        <img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"466\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-1462696665-1-e1787589697326-1024x466.jpg\" class=\"img-cover\" alt=\"Insurance broker presenting policy documents to a client during a consultation meeting.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-1462696665-1-e1787589697326-1024x466.jpg 1024w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-1462696665-1-e1787589697326-300x137.jpg 300w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-1462696665-1-e1787589697326-768x350.jpg 768w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-1462696665-1-e1787589697326.jpg 1252w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" title=\"Insurance broker presenting policy documents to a client during a consultation meeting.\" \/>    <\/div>\n\n    <div class=\"post-card__body\">\n                    <ul class=\"post-card__tags\" aria-label=\"Cat\u00e9gories\">\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/automotive\/\">\n                            Automotive                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/businesses\/\">\n                            Businesses                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/cybersecurity\/\">\n                            Cybersecurity                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/general-advice\/\">\n                            General Advice                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/home\/\">\n                            Home                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/la-turquoise\/\">\n                            La Turquoise                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/personal\/\">\n                            Personal                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/recreational-vehicles\/\">\n                            Recreational Vehicles                        <\/a>\n                    <\/li>\n                            <\/ul>\n        \n        <h3 class=\"post-card__title title-m\">\n            Role, benefits and differences from a direct insurer        <\/h3>\n\n        <div class=\"post-card__bottom\">\n            <div class=\"post-card__meta\">\n                <time class=\"post-card__date\" datetime=\"2026-08-23\">\n                    08\/23\/2026                <\/time>\n\n                                    <span class=\"post-card__meta-sep\" aria-hidden=\"true\"><\/span>\n                    <span class=\"post-card__read-time\">\n                        4 min                    <\/span>\n                            <\/div>\n\n                            <span class=\"post-card__arrow\" aria-hidden=\"true\">\n                    <svg class=\"post-card__arrow-icon\" 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                <\/span>\n                    <\/div>\n    <\/div>\n<\/article>                        <\/li>\n                                            \n                        <li class=\"personal-articles__slide swiper-slide\">\n                            \n<article class=\"post-card\">\n    <a class=\"post-card__overlay-link\"\n       href=\"https:\/\/www.laturquoise.ca\/en\/career-opportunities-in-property-and-casualty-insurance\/\"\n       aria-label=\"Read article: Career opportunities in property and casualty insurance\"><\/a>\n\n    <div class=\"post-card__media\">\n        \n        <img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"403\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Gestionnaires_FemmeNoire_HommeCaucasien-1-scaled-e1787495210593-1024x403.jpg\" class=\"img-cover\" alt=\"Business people working on laptops during a meeting\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Gestionnaires_FemmeNoire_HommeCaucasien-1-scaled-e1787495210593-1024x403.jpg 1024w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Gestionnaires_FemmeNoire_HommeCaucasien-1-scaled-e1787495210593-300x118.jpg 300w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Gestionnaires_FemmeNoire_HommeCaucasien-1-scaled-e1787495210593-768x303.jpg 768w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Gestionnaires_FemmeNoire_HommeCaucasien-1-scaled-e1787495210593.jpg 1198w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>    <\/div>\n\n    <div class=\"post-card__body\">\n                    <ul class=\"post-card__tags\" aria-label=\"Cat\u00e9gories\">\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/careers\/\">\n                            Careers                        <\/a>\n                    <\/li>\n                            <\/ul>\n        \n        <h3 class=\"post-card__title title-m\">\n            Career opportunities in property and casualty insurance        <\/h3>\n\n        <div class=\"post-card__bottom\">\n            <div class=\"post-card__meta\">\n                <time class=\"post-card__date\" datetime=\"2026-08-21\">\n                    08\/21\/2026                <\/time>\n\n                                    <span class=\"post-card__meta-sep\" aria-hidden=\"true\"><\/span>\n                    <span class=\"post-card__read-time\">\n                        4 min                    <\/span>\n                            <\/div>\n\n                            <span class=\"post-card__arrow\" aria-hidden=\"true\">\n                    <svg class=\"post-card__arrow-icon\" 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                <\/span>\n                    <\/div>\n    <\/div>\n<\/article>                        <\/li>\n                                            \n                        <li class=\"personal-articles__slide swiper-slide\">\n                            \n<article class=\"post-card\">\n    <a class=\"post-card__overlay-link\"\n       href=\"https:\/\/www.laturquoise.ca\/en\/building-a-meaningful-career\/\"\n       aria-label=\"Read article: Building a meaningful career through real impact\"><\/a>\n\n    <div class=\"post-card__media\">\n        \n        <img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"321\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Femme_Meeting-1-scaled-e1787328988413-1024x321.jpg\" class=\"img-cover\" alt=\"LaTurquoise_MarqueEmployeur_Femme_Meeting\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Femme_Meeting-1-scaled-e1787328988413-1024x321.jpg 1024w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Femme_Meeting-1-scaled-e1787328988413-300x94.jpg 300w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Femme_Meeting-1-scaled-e1787328988413-768x241.jpg 768w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Femme_Meeting-1-scaled-e1787328988413-1536x482.jpg 1536w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Femme_Meeting-1-scaled-e1787328988413-2048x643.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>    <\/div>\n\n    <div class=\"post-card__body\">\n                    <ul class=\"post-card__tags\" aria-label=\"Cat\u00e9gories\">\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/careers\/\">\n                            Careers                        <\/a>\n                    <\/li>\n                            <\/ul>\n        \n        <h3 class=\"post-card__title title-m\">\n            Building a meaningful career through real impact        <\/h3>\n\n        <div class=\"post-card__bottom\">\n            <div class=\"post-card__meta\">\n                <time class=\"post-card__date\" datetime=\"2026-06-25\">\n                    06\/25\/2026                <\/time>\n\n                                    <span class=\"post-card__meta-sep\" aria-hidden=\"true\"><\/span>\n                    <span class=\"post-card__read-time\">\n                        5 min                    <\/span>\n                            <\/div>\n\n                            <span class=\"post-card__arrow\" aria-hidden=\"true\">\n                    <svg class=\"post-card__arrow-icon\" 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                <\/span>\n                    <\/div>\n    <\/div>\n<\/article>                        <\/li>\n                                            \n                        <li class=\"personal-articles__slide swiper-slide\">\n                            \n<article class=\"post-card\">\n    <a class=\"post-card__overlay-link\"\n       href=\"https:\/\/www.laturquoise.ca\/en\/breaking-into-property-and-casualty-insurance-the-real-path\/\"\n       aria-label=\"Read article: Breaking into property and casualty insurance: the real path\"><\/a>\n\n    <div class=\"post-card__media\">\n        \n        <img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1588289996-1024x683.jpg\" class=\"img-cover\" alt=\"Professional exchange around documents in an office setting. Illustration related to entering a career in property and casualty insurance in Qu\u00e9bec.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1588289996-1024x683.jpg 1024w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1588289996-300x200.jpg 300w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1588289996-768x512.jpg 768w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1588289996.jpg 1254w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" title=\"Professional exchange around documents in an office setting. Illustration related to entering a career in property and casualty insurance in Qu\u00e9bec.\" \/>    <\/div>\n\n    <div class=\"post-card__body\">\n                    <ul class=\"post-card__tags\" aria-label=\"Cat\u00e9gories\">\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/careers\/\">\n                            Careers                        <\/a>\n                    <\/li>\n                            <\/ul>\n        \n        <h3 class=\"post-card__title title-m\">\n            Breaking into property and casualty insurance: the real path        <\/h3>\n\n        <div class=\"post-card__bottom\">\n            <div class=\"post-card__meta\">\n                <time class=\"post-card__date\" datetime=\"2026-06-03\">\n                    06\/03\/2026                <\/time>\n\n                                    <span class=\"post-card__meta-sep\" aria-hidden=\"true\"><\/span>\n                    <span class=\"post-card__read-time\">\n                        5 min                    <\/span>\n                            <\/div>\n\n                            <span class=\"post-card__arrow\" aria-hidden=\"true\">\n                    <svg class=\"post-card__arrow-icon\" 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                <\/span>\n                    <\/div>\n    <\/div>\n<\/article>                        <\/li>\n                                    <\/ul>\n            <\/div>\n\n            <div class=\"personal-articles__pagination swiper-pagination\"><\/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, La Turquoise offers insurance solutions adapted to your reality, whether it involves your property, vehicles, retail operations, liability exposures, 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\/programs\/retail-and-store-insurance\/harnois-network-service-station\/\"\n                            >\n                                                    <div class=\"need-card__icon\" aria-hidden=\"true\">\n                                <img decoding=\"async\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/icone15_recadree.svg\" class=\"attachment-full size-full\" alt=\"icone15_recadree\" \/>                            <\/div>\n                        \n                        <h3 class=\"need-card__title title-m\">\n                            Harnois Energies                        <\/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\/business\/general-liability\/\"\n                            >\n                                                    <div class=\"need-card__icon\" aria-hidden=\"true\">\n                                <img decoding=\"async\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/05\/business-needs-icon-2.svg\" class=\"attachment-full size-full\" alt=\"business-needs-icon-2\" \/>                            <\/div>\n                        \n                        <h3 class=\"need-card__title title-m\">\n                            General liability                        <\/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 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\/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 lines                        <\/h3>\n                    <\/a>\n                <\/li>\n                    <\/ul>\n    <\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"featured_media":0,"parent":0,"menu_order":0,"template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-4834","program","type-program","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>Retail and store insurance in Quebec | La Turquoise<\/title>\n<meta name=\"description\" content=\"Insurance for retailers and stores in Quebec, including property, inventory, civil liability, theft, equipment breakdown, and business interruption. Get a quote with La Turquoise.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.laturquoise.ca\/en\/programs\/retail-and-store-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Retail and store insurance in Quebec | La Turquoise\" \/>\n<meta property=\"og:description\" content=\"Insurance for retailers and stores in Quebec, including property, inventory, civil liability, theft, equipment breakdown, and business interruption. 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