Foire aux questions

Your liability insurance should cover this, but check your policy details.

Always inform your broker/insurer of any property occupancy change.

Yes, but make sure your policy includes explicitly this coverage.

Install security systems, conduct regular inspections and choose a higher deductible.

Yes, but check the policy details, as some types of water damage may be excluded.

Yes, specific policies exist for unoccupied properties undergoing renovation.

Generally, special insurance is required after 30 to 60 days of vacancy.

Vacant homes present unique risks (vandalism, undetected damage) that are not covered by standard policies.

In case of an incident in Quebec, inform your insurance broker immediately. Document all details of the incident and do not admit liability. Your insurance company will handle the investigation, negotiation and, if necessary, legal defence. In Quebec, the limitation period for civil liability claims is 3 years. Carefully follow your insurer's and broker's instructions for handling claims.

General liability (GL) insurance in Quebec and Canada generally includes product liability coverage, but it's important to understand its scope and limitations :

1. Standard CGL coverage : Your CGL insurance typically covers claims for bodily injury or property damage caused by your products to third parties.
2. Scope of protection : This coverage applies to cases where defective products, inadequate labelling, or insufficient operating instructions have caused damage.
3. Important distinction : Liability insurance generally does not cover the costs associated with product recalls. Product recall insurance is a separate policy.
4. Product recall insurance : This separate coverage pays for the costs of withdrawing defective or dangerous products from the market.
5. Limits and exclusions : Check the specific limits of your product liability policy and discuss potential exclusions with your insurance broker.
6. Risk management : Implement rigorous quality control and documentation procedures to strengthen your position in the event of a product-related claim.

It's essential to consult your insurance broker to assess your specific product liability needs as part of your CGL coverage. In addition, discuss the suitability of separate product recall insurance for your Canadian business based on your activities and the risks associated with your products.

In Canada, general liability insurance covers general risks related to your operations, while professional liability (or E&O) insurance covers errors or omissions in providing your professional services. Many Canadian businesses require both types of insurance coverage for complete protection.

To reduce your CGL insurance premiums in Quebec, implement a risk management program, opt for a higher deductible, consolidate your commercial insurance policies, and invest in safety training and risk prevention. Consult your insurance broker for personalized advice.