Business property and liability insurance

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Business Insurance

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Basic coverage

Benefit from complete coverage with business liability insurance tailored to your needs and activity sector.

Get comprehensive coverage

  • All risks: fire, theft, vandalism (including signs, shrubs, etc.)
  • Replacement cost coverage
  • Full compensation following a covered loss – no co-insurance clause, which makes claim settlement easier and you don't get penalized in the event of a partial loss

Get peace of mind

  • Automatically included in our policies, unlike some insurers
  • Accidental breakdown coverage for electrical, electronic, computer, telephone, mechanical and refrigeration equipment

Limit your losses

  • Coverage for the actual loss sustained after a covered loss and extra expenses if the business is closed temporarily
  • Compensation to maintain your income and continue normal business operations during repairs

Limit your losses

  • Protection against theft of securities or money by employees, loss of money or securities on or off the premises (for example, armed robbery) and counterfeit money orders or bank notes

Get peace of mind

  • Liability insurance for your premises, operations, work and products
  • Coverage for claims made against you arising from property damage or bodily injury to a third party
  • Ex.: A client gets injured while he’s in your warehouse. Thanks to your business liability insurance coverage, you will be covered in case you are prosecuted.

Optional coverage

Add optional coverage to your business liability insurance so that it matches your business needs.

Get professional help

  • Get professional support and advice if your data gets lost, stolen or accidentally disclosed
  • Covers various costs

Anyone can be the victim of a cyber attack

  • Provides professional support and advice to help you get your business back to normal following an attack blocking access to or damaging your data, operating systems or software
  • Reduces your financial losses

Get peace of mind

  • Covers damages related to this type of disaster

Get peace of mind

  • This risk can be covered
  • Covers damages related to this type of disaster

Get peace of mind

  • Covers damages related to this type of disaster

Limit your losses

  • Coverage for loss of income and property damage following an off-premises service interruption caused by a covered loss.
  • For example, a windstorm damages the power lines, causing a 3-day power outage. You suffer property damage, and the business has to be closed for 3 days.

Get full compensation

  • Coverage for specific art work, such as paintings, sculptures or antique furniture

Any questions?

Contact our business insurance agents to get advice on the business liability insurance coverage best suited for your business.


Save more on your business insurance premium

  • Install a centrally monitored fire and theft alarm system
  • Save 10% on the Building portion of your premium if your building is LEED certified


The advantages of Desjardins Business Insurance:

  • Receive full compensation following a covered loss. With no co-insurance clause, claim settlement is easier, and you're not penalized in the event of a partial loss.
  • Pay no deductible in the event of a fire that sets off your alarm.
  • Pay only one deductible for a single loss on the same location that affects both:
    • personal and commercial property and vehicle(s) insured with us.
  • Enjoy flexible payment options. Up to 12 monthly instalments, with no fees or interest.
  • Use Desjardins BONUSDOLLARS to pay part or all of your business liability insurance premium.

Available only in Quebec.

The clauses and terms of the described coverage are set out in the insurance policy. Some conditions and exclusions apply.