gavel Professional Liability (E&O) Insurance location_on Quebec gavel Regulated by AMF

Professional Liability (E&O) Insurance in Quebec

event_availableUpdated October 3, 2026 · Estimates reviewed October 2026

Key Quebec risks insurers price in: spring flooding along the St. Lawrence, Ottawa and Rivière des Prairies; ice storms; vehicle theft in the Montreal region.

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gavelProfessional Liability (E&O) Insurance estimate

Coverage amount $500,000

$100k$1M$2M

Your age

YRS

Province / territory

smoke_freeTobacco / vaping in past 12 months?

Estimated premium

$98.00 /mo

Typical range $98.00–$169

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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 professional liability (E&O) insurance cost in Quebec?

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

Typical range

$98.00–$169/mo

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

Lowest price

CGL only

$91.00/mo

Recommended

Business package

$130/mo

Most protection

Package + E&O + cyber

$195/mo

Example estimates · October 2026

Professional Liability (E&O) Insurance estimates in Quebec by annual revenue

Professional Liability (E&O) Insurance example estimates in Quebec, October 2026
Annual revenue	Typical	Range
$75,000	$102/mo	$77.00–$133
$150,000	$130/mo	$98.00–$169
$300,000	$166/mo	$124–$215

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 Quebec

warningSpring flooding along the St. Lawrence, Ottawa and Rivière des Prairies
warningIce storms
warningVehicle theft in the Montreal region

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

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What drives your professional liability premium

1Profession and services
2Revenue
3Claims history
4Limits and deductibles
5Contract requirements

Coverage options in Quebec

E&O

Negligence, errors or omissions in professional services.

Cyber & tech E&O

For technology and data-heavy services.

Directors & officers (D&O)

Personal liability of directors and officers.

quiz Straight answers

Professional Liability (E&O) Insurance in Quebec: 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 professional liability (e&o) insurance cost in Quebec?

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For an example profile (Consulting / IT / professional in Quebec, $150,000 revenue, 1 employees, $2M CGL), Instasure’s model estimates roughly $98.00–$169/mo as of October 2026. Your price depends on profession and services, revenue, 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 is the difference between CGL and E&O?

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CGL covers bodily injury and physical property damage to third parties. E&O covers financial loss caused by your professional advice or service. Many service businesses need both.

Other coverage in Quebec

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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.