Commercial insurance for the businesses that keep Quebec running.
Running a business means taking on risk every single day, risk to your property, your people, your reputation, and your revenue. From restaurants and cafés to dépanneurs, offices, condo buildings, and triplexes, we protect your business against the risks that come with it. We compare insurers, handle the paperwork, and stay with you through every renewal and claim.
Property, liability, vehicles, bonds: one broker, one relationship.
Commercial insurance can mean endless forms, shifting requirements, and constant updates. With RK Assurance, every modification, renewal, and claim is handled for you. As your business grows, your coverage grows with it, from a first storefront to a multi-location operation.
Commercial policies are not self-serve. Each one is built around your operation, your exposure, and your industry, so every line on this page starts with a conversation, not a price slider. It is part of the full range of brokerage services we provide.
Mandatory, standard, optional: what fits your operation.
Standard coverage across our partner carriers. Coverage names vary slightly between Intact, Aviva, Promutuel, and others. We will match you to the carrier with the wording that fits your operation best.
The minimum every business should carry
Commercial general liability is the foundation of every commercial policy, and often the first thing a client will ask to see before signing with you.
- Required by most contracts, clients, and regulators
- Covers bodily injury or property damage your business causes to third parties
What most operations carry
Commercial property protects your physical assets, your building, equipment, inventory, and furniture, against fire, theft, vandalism, and other named perils.
- Building, equipment, inventory, and furniture
- Business interruption
Industry-specific add-ons
Every industry carries unique risks, from E&O for professionals to cargo coverage for transporters, or even cyber risk.
- Professional liability (errors and omissions)
- Cargo and goods in transit
- Cyber liability
- Product liability
Coverage for every part of your business.
Twelve lines, one broker. Pick the coverage that matches your operation and a licensed Quebec broker takes it from there.
Commercial Property
Your building, your equipment, your inventory, all protected. We ensure your coverage reflects true replacement value so a fire or major loss doesn’t mean starting from zero.
Commercial Auto
Vehicles used for business purposes need business-grade coverage. Personal auto policies won’t protect you on the job. We cover company cars, work vans, and any vehicle tied to your operations.
Truck & Fleet
From single trucks to full fleets, we find coverage that handles your vehicles, drivers, and the liability that comes with operating commercial transport in Quebec and beyond.
Cargo & Goods in Transit
Whether you’re shipping products across the province or receiving goods from suppliers, cargo insurance protects your inventory while it’s on the move, not just when it’s sitting in your warehouse.
Apartment Buildings (Triplex and Multi-Unit)
Own a triplex, a multi-unit building, or other rental real estate? We protect the structure, your rental income in the event of a covered loss, and your liability as a property owner, all under one policy.
Home / Triplex
Owner-occupied triplexes and small mixed-use buildings sit between residential and commercial. We place coverage that handles the part you live in, the unit you rent out, and the liability for both, in a single policy.
Civil Liability
Commercial general liability (CGL) is the foundation of any business insurance policy. It covers third-party bodily injury, property damage, and personal injury claims that arise from your business operations.
Professional Liability (E&O)
For professionals and service providers, a single oversight can lead to a costly claim. E&O insurance protects you against allegations of negligence, errors, or failure to deliver on professional services, even when you did everything right.
Surety Bonds
Contractors, subcontractors, and businesses working on public or regulated projects often need surety bonds to bid on work. We handle the paperwork and get your bond in place, fast.
Event Insurance
Organizing a corporate event, graduation ceremony, conference, or public gathering? Event insurance protects you against cancellations, accidents, and liability claims that can arise when you bring people together.
Farm Insurance
A farm is both a home and a business, and it needs coverage that reflects both realities. Farm insurance protects your land, your buildings, your equipment, your livestock, and your liability as an agricultural operation. Whether you run a small family operation or a large-scale production, we build a policy that covers what’s at stake.
And More
Cyber liability, directors & officers, product liability, equipment breakdown: if your business has a specific risk exposure, there’s likely a policy for it. Talk to us and we’ll find it.
We work for you, not for the insurer.
Commercial insurance is complex. Most businesses need multiple coverage lines, and managing them across different insurers is a headache you don’t need. We bring it all under one roof.
Pick the coverage that matches your operation and a licensed Quebec broker takes it from there. Not sure what you need? Contact us.
Frequently asked questions.
Short answers to what Quebec business owners ask us most. Still unsure? A licensed broker replies the same business day.
What’s the difference between civil liability and E&O?
How much does commercial insurance cost in Quebec?
My client is asking for a certificate of insurance. What is that?
I just started my business. When should I get commercial insurance?
Insurance, made easy to understand.
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