Property and liability insurance for businesses

Protect your business with The Personal’s property insurance and liability insurance coverages.

Coverage that’s tailored to your sector.

Get a quote that’s tailored to your business!

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 property 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.

Coverage for building by-laws

Coverage for increased costs and loss of income arising from the enforcement of by-laws regulating zoning or building reconstruction following an insured loss.

Take advantage of these savings in addition to our special group rates

Vous possédez un bâtiment certifié leed

LEED certified building discount

Save 10% on your commercial building coverage if your building is LEED certified (Leadership in Energy and Environmental Design).

Vous possédez un système d'alarme.

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 24/7 access to assistance services.

Legal assistance Legal assistance

Legal assistance

Talk to a lawyer over the phone to help you avoid or settle legal issues with employees, suppliers or clients.

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Professional expertise assistance Professional expertise assitance

Professional expertise assistance

Get the help you need with access to a network of recognized, experienced professionals like general contractors, accountants, plumbers and IT experts.

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  • 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.

Get a business insurance quote that’s tailored to your needs!

Talk to a property and casualty insurance agent

Monday to Friday, from 8 a.m. to 8 p.m.; Saturday, from 8 a.m. to 4 p.m.