Does my Quebec CGL insurance cover operations outside Quebec or Canada?
The geographic coverage of your general liability (GL) insurance can vary considerably depending on your policy. While many standard CGL policies in Quebec cover incidents in Canada and the U.S., consulting your insurance broker before undertaking business activities outside the country is crucial.
Here are some essential points to keep in mind :
- Mandatory validation : Before doing business abroad, contact your insurance broker to verify the exact scope of your current CGL coverage.
- Limited coverage : Your standard policy may not offer adequate protection for international operations.
- Possible extensions : You may need a specific extension to your existing CGL policy for worldwide coverage.
- Separate policies : A separate international liability policy may sometimes be required.
- Specific risks : Foreign operations may present unique risks not covered by your standard Quebec CGL policy.
Your Quebec insurance broker is best positioned to assess your specific international coverage needs and recommend any adjustments to your CGL policy. Don't hesitate to consult your broker well before any business activity outside Canada to ensure optimum protection for your Quebec business.
