Property and liability insurance for businesses
Coverage that’s tailored to your sector.
We’ve got your business covered. We provide all-risk protection adapted to your industry, as well as coverage for accidental bodily injury and property damage to a third party.
Basic coverage
Our all-risk business insurance includes the following coverages:
Commercial property
All-risk protection for your property (buildings, furniture, merchandise and equipment), that covers fire, theft and vandalism.
Equipment breakdown
Accidental breakdown coverage for electrical, electronic, computer, telephone, mechanical and refrigeration equipment.
Loss of business income
Coverage against financial difficulties that may follow an insured loss. Various coverages are offered.
Dishonesty, disappearance and destruction
Protection against fraudulent activities from third parties as well as internal theft or embezzlement.
Commercial liability
Protection for your business in case of injury or property damage caused to a third party.
Optional coverage
Additional business insurance coverages that may interest you:
Earthquake
Coverage for damage to your building and contents caused by an earthquake.
Flood
Coverage for damage to your building and contents caused by a flood.
Sewer backup
Coverage for damage to your building and contents caused by sewer backup.
Public utility interruption (water, electricity, gas)
Coverage for loss of income and property damage caused by an insured loss, following an off-premises service interruption.
Cyber risk
Coverage for your business and your clients against damage caused by cyberattacks.
Take advantage of these savings in addition to our special group rates
LEED certified building discount
Save 10% on your commercial building coverage if your building is LEED certified (Leadership in Energy and Environmental Design).
Centrally monitored alarm system discount
Install a centrally monitored fire and theft alarm system, and save even more!
Business assistance services
Insure your business with The Personal and get free access to assistance services.
Legal assistance
Talk to a lawyer or notary over the phone to help you avoid or settle legal issues with employees, suppliers or clients.
Business concierge
Use our concierge services for your business events and get help booking hotels, meeting rooms, restaurants and more!
The information on this page is provided for informational purposes only. The terms and conditions of the coverages described are set out in the insurance policy, which always prevails. Certain conditions, exclusions and limitations may apply.