storefront Business Insurance location_on Montreal, QC gavel Regulated by AMF

Business Insurance in Montreal, QC

event_availableUpdated October 3, 2026 · Estimates reviewed October 2026

Pricing in Montreal reflects local claim patterns — spring flooding (2017, 2019) and vehicle theft linked to export through the port.

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gavelRegulator AMF

groupsPopulation ~1.8M

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storefrontBusiness Insurance estimate

Coverage amount $500,000

$100k$1M$2M

Your age

YRS

Province / territory

smoke_freeTobacco / vaping in past 12 months?

Estimated premium

$35.00 /mo

Typical range $35.00–$60.00

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Example: Consulting / IT / professional in Quebec, $150,000 revenue, 1 employees, $2M CGL · as of October 2026. Estimate, not an offer.

Local estimate · October 2026

How much does business insurance cost in Montreal?

Instasure’s pricing model estimates the following range for an example profile. Your actual premium depends on your details and the insurer.

Typical range

$35.00–$60.00/mo

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Example profile: Consulting / IT / professional in Quebec, $150,000 revenue, 1 employees, $2M CGL.

Lowest price

CGL only

$32.20/mo

Recommended

Business package

$46.00/mo

Most protection

Package + E&O + cyber

$69.00/mo

Example estimates · October 2026

Business Insurance estimates in Montreal by business type

Business Insurance example estimates in Montreal, QC, October 2026
Business type	Typical	Range
Consulting / IT / professional	$46.00/mo	$35.00–$60.00
Retail / studio / clinic	$100/mo	$75.00–$130
Skilled trade / contractor	$186/mo	$139–$241
Restaurant / food service	$229/mo	$171–$297
E-commerce / online business	$57.00/mo	$43.00–$74.00

Assumptions: $2 million CGL. These are modelled estimates for example profiles, not quotes or offers. Your price depends on your details and the insurer; a licensed advisor confirms real quotes.

thunderstorm

Local risk factors in Montreal

warningSpring flooding (2017, 2019)
warningVehicle theft linked to export through the port
warningIce storms (1998, April 2023)
warningSpring flooding along the St. Lawrence, Ottawa and Rivière des Prairies
warningIce storms

Insurers price these risks by postal code. An advisor can tell you which endorsements are available at your address.

tune

What drives your business premium

1Industry and activities
2Revenue and payroll
3Claims history
4Liability limits required by contracts
5Location and property values

Coverage options in Montreal

Commercial general liability (CGL)

Third-party bodily injury and property damage from your operations and products.

Professional liability (E&O)

Claims that your advice or service caused a financial loss.

Property & equipment

Inventory, tools, equipment and premises improvements.

Business interruption

Lost income and continuing expenses after an insured loss.

Cyber

Breach response, ransomware and liability for exposed data.

quiz Straight answers

Business Insurance in Montreal: FAQ

policyHave a complaint about an insurer?

Start with the insurer’s complaint officer. Unresolved home, auto and business disputes can go to the General Insurance OmbudService; life and health disputes to the OmbudService for Life & Health Insurance.

How much does business insurance cost in Montreal?

expand_more

For an example profile (Consulting / IT / professional in Quebec, $150,000 revenue, 1 employees, $2M CGL), Instasure’s model estimates roughly $35.00–$60.00/mo as of October 2026. Your price depends on industry and activities, revenue and payroll, claims history and the insurer — get an instant personalised estimate, then a licensed advisor confirms real insurer quotes.

Who regulates insurance in Quebec?

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Autorité des marchés financiers (AMF). Representatives and firms must be certified/registered with the AMF; online insurance offers require an AMF-registered firm with a representative available to consumers. Complaints about insurers can be escalated to the General Insurance OmbudService (home, auto, business) or the OmbudService for Life & Health Insurance.

What insurance does a small business need in Canada?

expand_more

Most businesses start with commercial general liability. Add property coverage if you own equipment or inventory, professional liability if you give advice or design, commercial auto for business vehicles, and cyber if you hold customer data.

How much does business insurance cost?

expand_more

Low-risk sole proprietors can find CGL for a few hundred dollars a year; contractors and businesses with premises, staff or higher revenue pay more. Industry and the limits your contracts require drive most of the price.

Business insurance near Montreal

Other coverage in Montreal

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Sources: saaq.gouv.qc.ca, lautorite.qc.ca. Estimates are modelled by Instasure for the example profile shown and are not quotes. Last reviewed October 2026.