Protection Générale

General Insurance

Protect Your Future: The Essential Role of Financial Protection

In a world where the unexpected is part of life, general insurance (damage insurance) is not just a contract: it is the pillar of your financial protection. It plays an absolutely vital role in offering the safety net needed to face daily claims and risks.

Auto and Home Insurance to secure your personal assets.
Commercial Insurance to protect your assets and operations.
Professional Liability Insurance to defend your reputation.

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Auto Insurance

Civil Liability and All Perils Protection

Civil Liability (Mandatory)

This is the essential and mandatory element in Quebec. It ensures your financial protection in case of damage caused to others. Although the legal minimum is $50,000, it is strongly recommended to opt for $1 or $2 million for adequate coverage.

Importance of "All Perils"

To secure your own investment (your vehicle), "All Perils" coverage is necessary. It covers collisions, vandalism, fire, and weather damage.

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Home Insurance

Your Essential Shield Against the Unexpected

In Quebec, it is a fundamental investment to protect your wealth, whether you are an owner or a tenant.

What it covers:

Common claims: Fire, theft, vandalism.
Water damage: Pipe bursts and overflows.
Civil Liability: If you cause damage to others (e.g., your bathtub overflows into the neighbor's unit).

Tenants

Strongly recommended to protect your belongings and especially your liability towards the landlord.

Homeowners

Generally mandatory if you have a mortgage to secure the bank's investment.

Protection des Entreprises

Commercial Insurance

The Pillar of Your Business Prosperity

Whether you are self-employed, a retailer, or a manufacturer, commercial insurance is the all-in-one solution to secure your investment and ensure business continuity.

Why is it indispensable?

Financial Security: Avoids exorbitant costs related to lawsuits or damages.
Business Continuity: Covers fixed costs and salaries in case of stoppage (fire, etc.).
Asset Protection: Buildings, equipment, inventory, and data.

Professional Liability (E&O)

The Essential Protection of Your Expertise

Also known as "Errors and Omissions," it is the financial shield for any professional offering advice or intellectual services.

Consultants Ingénieurs Comptables

What it specifically covers:

Errors, omissions, or negligence in your work.
Legal defense costs (lawyers), often very expensive.
Settlement amount if you are found liable.

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Advice Zone

Our articles to better protect your assets.