{"id":4973,"date":"2026-06-08T11:55:15","date_gmt":"2026-06-08T11:55:15","guid":{"rendered":"https:\/\/la-turquoise.dev-1.hamakmarketingnumerique.com\/?post_type=program&#038;p=4973"},"modified":"2026-08-24T21:18:51","modified_gmt":"2026-08-24T21:18:51","slug":"self-employed-worker","status":"publish","type":"program","link":"https:\/\/www.laturquoise.ca\/en\/programs\/self-employed-worker\/","title":{"rendered":"Self-employed"},"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=\"1411\" height=\"744\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2265572105.jpg\" class=\"img-cover\" alt=\"Self-employed entrepreneur working at a desk surrounded by boxes and professional equipment. Illustration of the need for civil liability insurance for self-employed workers in Qu\u00e9bec.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2265572105.jpg 1411w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2265572105-300x158.jpg 300w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2265572105-1024x540.jpg 1024w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2265572105-768x405.jpg 768w\" sizes=\"auto, (max-width: 1411px) 100vw, 1411px\" \/>        <\/div>\n\n        <div class=\"personal-hero__content\">\n                                                <p class=\"personal-hero__subtitle anim anim-fade-right\">\n                        Self-employed workers                    <\/p>\n                \n                                    <h1 class=\"personal-hero__title anim anim-fade-right\">\n                        Insurance for self-employed workers 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=\"mailto:cde@laturquoise.ca\" class=\"cta-dropdown__link btn btn--green\" aria-label=\"cde@laturquoise.ca\"><span>cde@laturquoise.ca<\/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 a broker prepare your quote efficiently, it is useful to have the following information ready. The exact details needed may vary depending on your work, clients, contracts, equipment, and insurer requirements.<\/span><\/p>\n<p><b>For all insurance types<\/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\">Any certificate of insurance or contract requirements requested by a client, landlord, association, or platform<\/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>For your professional activity<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A clear description of the services, advice, work, or deliverables you provide<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The type of clients you serve, such as individuals, businesses, associations, public bodies, or a mix of clients<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Where you carry out your activities, such as from home, at client sites, online, in a rented space, or on the road<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Whether clients visit you or whether you visit client locations<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A list of your professional equipment and its approximate value<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Your gross annual revenue<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Your start date of operations (to establish the retroactive date for your errors and omissions policy)<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Any written contracts, platform requirements, association requirements, or client requests mentioning general liability, errors and omissions, professional liability, insurance limits, or proof of insurance<\/span><\/li>\n<\/ul>\n<p><b>For your place of business (if applicable)<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Whether you own or rent the space<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The square footage and address of the space<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The estimated reconstruction value, if you are the owner\u00a0<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Your lease if you rent your workspace<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Whether an intrusion alarm system is in place and its type (partial or complete).<\/span><\/li>\n<\/ul>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/section>\n\n\n<section class=\"program-coverage program-coverage--accordeons container reveal\">\n    <div class=\"program-coverage__container anim anim-fade-up\">\n        <div class=\"program-coverage__media anim anim-fade-left\">\n            <img loading=\"lazy\" decoding=\"async\" width=\"836\" height=\"1254\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1344060154.jpg\" class=\"program-coverage__image\" alt=\"Self\u2011employed entrepreneur handling a package while using management tools in the business. Common context requiring professional insurance for self\u2011employed workers in Qu\u00e9bec.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1344060154.jpg 836w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1344060154-200x300.jpg 200w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1344060154-683x1024.jpg 683w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1344060154-768x1152.jpg 768w\" sizes=\"auto, (max-width: 836px) 100vw, 836px\" title=\"Self\u2011employed entrepreneur handling a package while using management tools in the business. Common context requiring professional insurance for self\u2011employed workers in Qu\u00e9bec.\" \/>        <\/div>\n\n        <div class=\"program-coverage__content anim anim-fade-right\">\n                            <div class=\"program-coverage__text wysiwyg\">\n                    <h2>Insurance for self-employed workers in Quebec<\/h2>\n<p><span style=\"font-weight: 400\">Working for yourself gives you freedom, but it also means the risk sits directly with you. A client can question your advice, a visitor can be injured during a meeting, equipment can be stolen, or a cyber incident can interrupt your work. For a self-employed person, even a small issue can quickly become a financial and operational problem.<\/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>The types of businesses 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\">Graphic designers, illustrators, photographers, and videographers<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Writers, translators, editors, and community managers<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Independent trainers and management or human resources consultants<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Virtual assistants, project coordinators, and independent administrative agents<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Artisans, product designers, and digital content creators<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Private tutors, professional organizers, and other independent service providers\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>The realities common to 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                                                                                    <ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Your professional liability can continue after a mandate is completed if a client later alleges an error, omission, or negligent act<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Your work equipment is often kept at home, but personal home insurance may not cover property used for business<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A client may require proof of insurance before awarding you a contract<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">You do not have access to the group coverages offered by an employer<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A cyberattack or data loss can interrupt your activities overnight<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">A La Turquoise broker can review your activities, contracts, equipment, client requirements, and risk profile to help you compare insurance options for your self-employed work in Quebec.<\/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\">\n            <div class=\"product-protections__content wysiwyg anim anim-fade-up\">\n            <h2>Coverage options for self-employed workers in Quebec<\/h2>\n<p><span style=\"font-weight: 400\">Self-employed insurance is usually not one single coverage. Several risks often need to be reviewed together. These include bodily injury, property damage, alleged errors in your work, stolen equipment, compromised data, and covered losses that stop your activity. The right mix depends on what you do, where you work, who you serve, and what your contracts require.<\/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>When a client alleges an error in your work<\/h3>\n<p><span style=\"font-weight: 400\">Errors and omissions insurance, also called professional liability, may respond when a client alleges that your advice, service, error, omission, negligence, or professional work caused them a financial loss. This is subject to the policy wording. This is different from a physical accident. It is usually about the quality, accuracy, or impact of the work you delivered.\u00a0<\/span><span style=\"font-weight: 400\">Claims can also arise months after a mandate is completed, so the retroactive date should be reviewed carefully, especially if you have been working for yourself for some time.<\/span><\/p>\n                                    \n                                                                            <a class=\"product-protection-card__examples-link\"\n                                           href=\"https:\/\/www.laturquoise.ca\/en\/business\/professional-liability\/\">\n                                            Learn more about professional liability                                        <\/a>\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 management consultant is held liable for advice that resulted in a financial loss for their client.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A writer delivers a text containing a factual error that requires their client to publish a correction.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">An independent trainer is sued over content deemed inadequate that caused harm to a participant.\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>Your work tools, wherever you are<\/h3>\n<p><span style=\"font-weight: 400\">Your computer, camera, tablet, tools, presentation equipment, or studio gear may represent a significant investment. Business property coverage may help protect professional equipment against covered loss or damage, depending on the coverage selected and the policy wording. Personal home insurance may not respond, or may respond only in a limited way, when property is used for business.<\/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\">A freelance graphic designer\u2019s laptop is stolen during a visit to a client\u2019s location.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A content creator\u2019s video equipment is damaged during an outdoor shoot.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A water leak at a translator\u2019s home destroys their primary workstation.\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>Protecting your revenue when your activities stop<\/h3>\n<p><span style=\"font-weight: 400\">If your work stops unexpectedly, revenue can stop while expenses continue. Business interruption coverage may help with certain lost income or continuing expenses following a covered loss. The coverage depends on the cause of loss, waiting period, indemnity period, limits, deductibles, and policy wording. It does not cover every slowdown, cancelled mandate, or market situation, but it can be important when a covered property loss prevents you from working.<\/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 fire at an independent trainer\u2019s home prevents them from working for several weeks.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A water leak destroys an illustrator\u2019s workspace and delays the delivery of ongoing mandates.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A major equipment failure forces a writer to suspend their activities during repairs.\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>General liability if someone is injured or property is damaged<\/h3>\n<p><span style=\"font-weight: 400\">General liability may respond when a third party alleges bodily injury or property damage connected to your business activities, premises, or operations, subject to the policy wording.\u00a0 <\/span><span style=\"font-weight: 400\">For a self-employed worker, this can matter even if you do not have a storefront. A meeting at your home, a visit to a client site, a photo shoot, a training session, or an in-home service can all create 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><span style=\"font-weight: 400\">A client visiting your home for a work meeting is injured upon entering.<\/span><\/li>\n<li><span style=\"font-weight: 400\">A photographer accidentally knocks over equipment belonging to their client during a shoot.<\/span><\/li>\n<li><span style=\"font-weight: 400\">A professional organizer causes damage to a client\u2019s belongings during an in-home intervention.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\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>Your clients\u2019 data is also your responsibility<\/h3>\n<p><span style=\"font-weight: 400\">Cyber insurance may help with certain costs related to a cyberattack, data breach, ransomware incident, or unauthorized access to confidential information. For a self-employed worker, the risk is not limited to large companies. Client files, payment information, passwords, cloud accounts, and shared platforms can all create exposure. Storing data in the cloud does not eliminate the risk, and the platform hosting the information will not always be responsible for every consequence of a breach.<\/span><\/p>\n                                    \n                                                                            <a class=\"product-protection-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-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 virtual assistant\u2019s work files are encrypted by malware, making documents from several clients inaccessible.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A human resources consultant experiences a breach exposing personal data belonging to employees of a client organization.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A community manager\u2019s access to client accounts is compromised through a phishing attack.\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>Management liability for certain business decisions<\/h3>\n<p><span style=\"font-weight: 400\">Some self-employed workers operate through a corporation, sit on a board, or take on obligations that go beyond day-to-day service delivery. Directors and officers\u2019 insurance may be relevant in certain situations, but it does not replace general liability or professional liability. A broker can help determine whether this type of coverage makes sense based on your legal structure, contracts, governance role, and business activities.<\/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 freelancer is sued by a supplier for failing to honour the terms of a service agreement.<\/span><\/li>\n<li><span style=\"font-weight: 400\">A freelancer is targeted by the government for non-payment of source deductions related to a misclassified contract.<\/span><\/li>\n<li><span style=\"font-weight: 400\">An independent trainer faces a claim over an unfulfilled promise made through a verbal commitment.<\/span><\/li>\n<\/ul>\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>Additional coverage to consider based on how you work<\/h2>\n<p><span style=\"font-weight: 400\">Not every self-employed worker needs the same insurance. Some coverage options matter only if you use specialized equipment, handle money, rent a workspace, store client property, or work under contracts with specific insurance requirements. A broker can help identify what is relevant and what is unnecessary for your situation.<\/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\" data-practice-item>\n                                                                    <button class=\"product-practice-card__examples-trigger\" type=\"button\"\n                                            id=\"practice-trigger-1\"\n                                            aria-expanded=\"false\"\n                                            aria-controls=\"practice-panel-1\">\n                                        <span class=\"screen-reader-response\">\n                                            Examples                                        <\/span>\n                                    <\/button>\n                                \n                                <div class=\"product-practice-card__examples-header\">\n                                                                            <h3>Accidental breakdown of your specialized equipment<\/h3>\n<p><span style=\"font-weight: 400\">If your work depends on specific equipment, a sudden mechanical, electrical, or electronic breakdown can interrupt your mandates. Equipment breakdown coverage may help with insured repair or replacement costs and, in some cases, certain related financial losses, depending on the coverage selected and policy wording.<\/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-1\"\n                                         role=\"region\"\n                                         aria-labelledby=\"practice-trigger-1\">\n                                        <div class=\"product-practice-card__examples-content wysiwyg\">\n                                            <ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A photographer\u2019s professional lighting system fails during a client shoot.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A designer\u2019s primary computer suffers a short circuit that destroys the motherboard and unsaved data.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">An illustrator\u2019s graphics tablet is accidentally damaged during travel.\u00a0<\/span><\/li>\n<\/ul>\n                                        <\/div>\n                                    <\/div>\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>Protection against theft and fraudulent acts<\/h3>\n<p><span style=\"font-weight: 400\">Some self-employed workers receive client payments, handle funds, manage purchases, or have access to accounts. Crime or fraud coverage may help address certain losses involving theft, fraudulent transfer, disappearance, or misappropriation of money or property, depending on the facts and policy wording. This exposure should be reviewed carefully if you manage payments, client property, or financial transactions for others.<\/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\">An independent event organizer receives a fraudulent cheque as payment for a mandate.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A home meal preparer notices the disappearance of supplies purchased on behalf of a client.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A virtual assistant managing a client\u2019s payments is targeted by an attempted misappropriation by email.\u00a0<\/span><\/li>\n<\/ul>\n                                        <\/div>\n                                    <\/div>\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>Your professional space, if you rent one<\/h3>\n<p><span style=\"font-weight: 400\">If you rent or share a workspace, your lease or agreement may require insurance. Coverage may need to address business property kept on site, leasehold improvements, equipment, and certain properties of others in your care, custody, or control. Equipment used away from the space should be reviewed separately so there are no gaps between your fixed location and your work on the road.<\/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-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 writer renting a coworking space experiences a theft of computer equipment over a weekend.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">An illustrator fits out her rented studio with removable partitions. A private tutor who receives students in a rented space is liable for property damaged on the premises.\u00a0<\/span><\/li>\n<\/ul>\n                                        <\/div>\n                                    <\/div>\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>Protect your self-employed business with the right insurance<\/h2>\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\u00a0Turquoise 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 insurance for self-employed workers in Quebec<\/h2>\n<p><span style=\"font-weight: 400\">Working independently raises concrete questions about liability, contracts, equipment, and what your home insurance may or may not cover. Here are straightforward answers to help you understand the basics before speaking with a broker.<\/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>Does my home insurance cover my professional activity at home?<\/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\">Your home insurance is designed mainly for your residence and personal property. It may not cover business equipment, professional liability, or a client visit connected to your work unless the right business use or commercial coverage has been added.<\/span><\/p>\n<p><span style=\"font-weight: 400\">If your work computer is stolen, if a client sues you for poor advice, or if a visitor is injured at your home during a professional meeting, your home policy does not apply.<\/span><\/p>\n<p><span style=\"font-weight: 400\">If you work from home, even part-time, your home policy should be reviewed. Depending on your activity, equipment, client visits, and insurer rules, you may need separate business coverage or an added endorsement.<\/span><\/p>\n                                \n                                \n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                            \n                \n                <div class=\"faq__item faq-item anim anim-fade-up\" data-faq-item>\n                                            <h4 class=\"faq-item__question title-s\">\n                            <button class=\"faq-item__trigger\" type=\"button\" id=\"faq-trigger-1\"\n                                    aria-expanded=\"false\" aria-controls=\"faq-panel-1\">\n                                <span>What is the difference between general liability and errors and omissions insurance?<\/span>\n\n                                <svg class=\"faq-item__icon\" aria-hidden=\"true\" width=\"15\" height=\"8\">\n                                    <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                <\/svg>\n                            <\/button>\n                        <\/h4>\n                    \n                                            <div class=\"faq-item__answer-wrap\" id=\"faq-panel-1\" role=\"region\"\n                                                                    aria-labelledby=\"faq-trigger-1\"\n                                >\n                            <div class=\"faq-item__answer wysiwyg\">\n                                                                    <p><span style=\"font-weight: 400\">Consider two situations.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">In the first, a client is injured while visiting your home for a work meeting.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">In the second, that same client holds you responsible for an error in your deliverable and takes legal action against you.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The first situation usually falls under general liability.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The second usually falls under errors and omissions insurance, also called professional liability.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">The two coverages address different risks. General liability deals mainly with bodily injury or property damage alleged by a third party. E&amp;O insurance deals with claims related to your professional work, advice, service, error, or omission. Many self-employed workers need both, especially when clients ask for proof of insurance before awarding a contract.<\/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>My client requires proof of insurance. What do I need to provide?<\/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\">Your client needs a document confirming that you are insured. This document is called a certificate of insurance.<\/span><\/p>\n<p><span style=\"font-weight: 400\">It indicates the coverages you hold and the amounts covered. Some clients specify minimum amount required in the contract. It is best to verify these requirements before finalizing your coverage.<\/span><\/p>\n<p><span style=\"font-weight: 400\">The coverages most commonly requested are general liability and errors and omissions insurance. A broker can prepare the certificate once the required coverage is in effect.<\/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>How do I protect my professional equipment if I work from home?<\/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\">Your work equipment may not be covered by your home insurance, or it may be covered only up to a limited amount. This can include a computer, camera, tools, studio equipment, or other property used for business.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Self-employed insurance can include specific coverage for these items. It applies at your home, at clients\u2019 locations, and while travelling.<\/span><\/p>\n<p><span style=\"font-weight: 400\">If your work relies on high-value equipment, additional coverage for accidental breakdowns may also be worth considering. A broker can help you assess the value of your property and choose coverage that fits your situation.<\/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>Can you get business insurance without a commercial space?<\/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\">Yes. Working from home or directly at clients\u2019 locations does not prevent you from arranging business insurance. In fact, it often makes the conversation more important because the line between personal and professional use can be easy to overlook.<\/span><\/p>\n<p><span style=\"font-weight: 400\">The coverage you need as a self-employed worker is tied to your activities, not only to a physical location. It may include general liability, errors and omissions insurance, and coverage for your equipment, depending on where and how you work.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Your home or primary place of work simply serves as a reference point for establishing your file.<\/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 everyday life                    <\/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 risks<\/h2>\n<p><span style=\"font-weight: 400\">Because every situation is different, we offer insurance options that reflect your property, your activities, your clients, and the way your business operates.<\/span><\/p>\n        <\/div>\n    \n            <ul class=\"needs-cards__list\">\n                            \n                <li class=\"needs-cards__item anim anim-fade-up\">\n                    <a class=\"need-card\" href=\"https:\/\/www.laturquoise.ca\/en\/business\/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\/business\/professional-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-3.svg\" class=\"attachment-full size-full\" alt=\"business-needs-icon-3\" \/>                            <\/div>\n                        \n                        <h3 class=\"need-card__title title-m\">\n                            Professional 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                            Commercial 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-4973","program","type-program","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is 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Review general liability, E&amp;O, equipment, cyber, and other insurance options with a La Turquoise broker.\" \/>\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\/self-employed-worker\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Self-employed worker insurance in Quebec | La Turquoise\" \/>\n<meta property=\"og:description\" content=\"Self-employed or freelance in Quebec? 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