Commercial insurance and professional liability
General liability, errors and omissions, business property, business interruption, cyber risk, commercial vehicles, surety bonds: describe your needs once and receive a complete analysis.
Businesses, self-employed and professionals
Whether you are a contractor, retailer, professional or self-employed, describe your business in 5 steps: your complete file is forwarded to Lussier, a property and casualty insurance firm that compares more than 70 insurers. Free, no commitment.
Start my commercial quote →Select one or more cards: they will be added to your request. Not sure? The broker will advise you.
Each industry has its own risks: choose yours for a better targeted quote.
Your complete file has been sent. Lussier will contact you with your quote. You can download a PDF copy of your request.
Jean Carrière is a personal insurance representative registered with the AMF; he does not sell property and casualty insurance. He refers you to Lussier, a property and casualty insurance firm, which prepares your quote.
Commercial general liability covers bodily injury and property damage caused to others by your operations, premises or products. Professional liability, also called errors and omissions insurance, covers a client’s financial loss caused by an error, omission or poor advice in your services. Many service businesses need both.
It is not mandatory in general, but several professional orders require professional liability insurance, and many clients or contracts ask for proof of liability insurance before awarding a mandate.
Often only partly or not at all. Business activities carried on at home must be declared; depending on the case, an endorsement to the home policy or a separate business policy is required.
A surety bond is a guarantee from a surety (an insurer) that undertakes to fulfil a contractor’s obligations if it defaults: bid, performance, or labour and material payment bonds. The Régie du bâtiment du Québec also requires a licence bond from contractors.
It compensates lost income and extra expenses when your operations are interrupted by a covered loss, such as a fire on your premises.
A cyber attack or data leak leads to investigation, restoration and notification costs. In Québec, Law 25 notably requires reporting a confidentiality incident that presents a risk of serious injury to the Commission d’accès à l’information and notifying the people affected.
The premium depends on your industry, operations, revenue, claims history and the coverage chosen. That is why comparing several insurers is useful.
Jean Carrière forwards your file to Lussier, a property and casualty insurance firm that compares more than 70 insurers and contacts you with the quote. The request is free and without commitment.
Business insurance or surety bond? See business insurance or call 438 889-6474. For auto only, you can also get a direct online quote from Lussier (French).
Jean Carrière is an independent representative in insurance of persons and group insurance of persons (AMF certificate 259457). Property and casualty insurance — auto, home, condo, recreational vehicles, and so on — as well as surety (performance bonds, bid, licence or permit bonds) are disciplines distinct from insurance of persons under the applicable regulation, and Jean does not hold a licence in them.
For these needs, Jean works with Lussier, the largest independent property and casualty insurance brokerage firm in Quebec, which also runs a team dedicated to surety for contractors and for public, institutional or private projects. The form below sends your request so that a Lussier broker, licensed for the discipline concerned, can contact you and prepare a real quote.
Jean is not licensed in property and casualty insurance or in surety — requests submitted on this page are forwarded to Lussier, a firm licensed for those disciplines.
The property inventory tool above simply adds up the amounts entered by the user; it is not a professional appraisal. The insured value of a property must be set according to the cost of rebuilding, ideally with the help of a certified professional appraiser.
Our other coverage
Coverage for 10, 20 or 30 years, at the lowest cost per dollar of coverage, for the years your family depends on you: mortgage, children, debts. It can usually be converted later to permanent insurance without new proof of health.
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Group insurance (life, disability, health and dental) and group retirement savings (group RRSP, VRSP, DPSP). A well-designed plan helps attract and keep employees, and employer contributions are generally deductible.
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Whole life insurance protects your family for life and builds a guaranteed cash surrender value. Participating policies may also pay annual dividends, which are not guaranteed.
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Universal life separates the cost of coverage from the savings component, which grows tax-sheltered within permitted limits. You adjust deposits to your budget and choose your investment options.
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Individual mortgage insurance belongs to you: the benefit is paid to your beneficiaries, who decide how to use it, and the coverage follows you if you change lenders. Compare it with the bank's offer before you sign.
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I propose a plan to your employer without ever revealing your name. You benefit like all your colleagues.
Want to attract and keep a great team?
Group insurance, VRSP or group RRSP built around your budget, with insurers compared for you.
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Your income, retirement and family rest on you: build your own plan, at your own pace.
Your request is sent to a duly registered property and casualty insurance firm.