{"id":1602,"date":"2026-06-25T18:33:54","date_gmt":"2026-06-25T18:33:54","guid":{"rendered":"https:\/\/www.univesta.com\/insurance\/entreprises\/"},"modified":"2026-07-10T15:35:42","modified_gmt":"2026-07-10T15:35:42","slug":"business","status":"publish","type":"insurance","link":"https:\/\/www.univesta.com\/en\/insurance\/business\/","title":{"rendered":"Business insurance"},"content":{"rendered":"\n
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Why<\/span> work with a business insurance broker<\/h2>\n
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An independent broker works for you, not an insurer. They compare your options, give you straight advice, and stand up for your interests at every turn.<\/p>\n<\/div> <\/div>\n <\/div>\n

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Access to multiple insurers<\/h3>\n
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Your broker shops a range of insurers and brings you the best options \u2014 coverage that genuinely fits your business.<\/p>\n<\/div><\/div>\n

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Advice built around you<\/h3>\n
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No one-size-fits-all here. Our experts get to know your situation, the risks in your industry and your real needs, then recommend the right amount of coverage \u2014 not too much, not too little.<\/p>\n<\/div><\/div>\n

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An ally at claims time<\/h3>\n
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When something happens, your broker is right there in your corner \u2014 guiding you through the claim, standing up for you with the insurer, and making sure your business gets everything it\u2019s owed.<\/p>\n<\/div><\/div> <\/div>\n <\/div>\n <\/div>\n <\/section>\n\n\n\n\n

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Industries<\/span><\/h2>\n <\/div>\n\n
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Whatever your field, we understand its realities. Here are the main industries we build custom protection for.<\/p>\n<\/div> <\/div>\n <\/div>\n\n

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Agriculture<\/h3>\n \n
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From the land to your equipment, your operation faces realities all its own. Our specialists assess your risks and shop the best insurers for the right coverage, so you can cultivate the future with confidence.<\/p>\n<\/div>\n

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Equestrian<\/h3>\n \n
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Between the passion and the day-to-day, your equestrian farms and stables need close, steady attention. Our professionals understand your world and protect your facilities and your animals, so what you love stays safe.<\/p>\n<\/div>\n

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Real estate<\/h3>\n \n
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Rental portfolios, condos or commercial buildings \u2014 whatever you manage, your assets deserve rock-solid protection. We shield your real estate holdings against the unexpected, so your investments last.<\/p>\n<\/div>\n

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Manufacturers, distributors and wholesalers<\/h3>\n \n
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From the production line to final delivery, keeping your operations flowing and uninterrupted is your top priority. Our teams fine-tune the coverage for your inventory in transit and limit your financial losses if you ever have to stop, so business stays worry-free.<\/p>\n<\/div>\n

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Beauty salons<\/h3>\n \n
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Your clients’ well-being and satisfaction rest on precise care \u2014 and your protection should be just as precise. Our advisors build an insurance plan around your techniques, so you can give the care you offer your full attention.<\/p>\n<\/div>\n

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Technology<\/h3>\n \n
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In a digital world moving at full speed, cyber risk and intellectual property are your biggest challenges. Our professionals stay a step ahead of online threats, so your innovations move forward safely.<\/p>\n<\/div>\n

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Transportation<\/h3>\n \n
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Whether your loads cross borders or travel Quebec’s highways, your trucks and drivers face whatever the road brings. Our specialized team looks after your fleets and your legal obligations, so you can keep your course.<\/p>\n<\/div>\n

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Intermediate housing resources<\/h3>\n \n
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Caring for vulnerable people takes immense dedication and impeccable safety, every single day. We support you with real sensitivity to put the right protection in place for your building and your residents.<\/p>\n<\/div>\n

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Insurance<\/em> products<\/span><\/h2>\n
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Protect what you’ve worked so hard to build. Whether it’s your property, your liabilities or your income, explore our insurance products to find the mix that fits the size and the challenges of your business.<\/p>\n<\/div> <\/div>\n <\/div>\n

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Property insurance<\/h3>\n
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Protect what you’ve worked so hard to build. Whether it’s your property, your liabilities or your income, explore our insurance products to find the mix that fits the size and the challenges of your business.<\/p>\n

Learn more<\/a><\/p>\n<\/div><\/div>\n

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Commercial vehicle insurance<\/h3>\n
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Commercial vehicle insurance is important \u2014 and required \u2014 coverage for the vehicles and trailers a business uses in its operations. In Quebec, a minimum of civil liability coverage is mandatory.<\/p>\n

Learn more<\/a><\/p>\n<\/div><\/div>\n

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Equipment breakdown insurance<\/h3>\n
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This coverage, also called “machinery breakdown,” covers sudden, accidental damage to mechanical, electrical or electronic equipment.<\/p>\n

Learn more<\/a><\/p>\n<\/div><\/div>\n

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Cyber risk<\/h3>\n
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A single security breach can bring your operations to a standstill and run up major costs. We help you anticipate technological risks and put robust coverage in place, so you can come through an IT incident without it derailing your business.<\/p>\n

Learn more<\/a><\/p>\n<\/div><\/div>\n

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Business interruption<\/h3>\n
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What it is: insurance that makes up for financial losses when a business has to stop or slow its operations after a covered loss (fire, water damage, a major breakdown, and so on).<\/p>\n

Learn more<\/a><\/p>\n<\/div><\/div>\n

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Civil liability<\/h3>\n
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Protects a business against the financial fallout of damage it may cause to others in the course of its activities.<\/p>\n

Learn more<\/a><\/p>\n<\/div><\/div>\n

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Professional liability (E&O)<\/h3>\n
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Protects a business against advice, professional fault, and errors and omissions that could cost a client business, revenue or property. It also protects a business sued by a client over a defective or non-compliant product it made, and covers medical fault in the healthcare field.<\/p>\n

Learn more<\/a><\/p>\n<\/div><\/div>\n

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Directors’ and officers’ liability (D&O)<\/h3>\n
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In Quebec, certain laws can hold directors personally liable \u2014 notably for:<\/p>\n