Construction and contractors
General contractors, specialized contractors, excavation, electrical, plumbing, roofing, excavation and renovation.
Business.
Up to 20% in savings on your commercial insurance when you work with an independent broker.
- Free quote
- No obligation
- Multiple insurers compared
Industries we serve
- Retail
- Restaurants
- Agriculture and producers
- Construction
- Light manufacturing
- Professional services
- Health and wellness
- Rental real estate
- Technology
Program · 12 Insurance coverage areas
A business insurance program tailored to your needs
Every business presents different risks. An effective commercial insurance program combines multiple protections to secure your assets, revenue, employees and liability.
- Part 01
Commercial civil liability
- +Bodily damage
- +Property damage
- +Products and completed work
- +Legal defense
- Part 02
Buildings, equipment and inventory
- +Commercial building
- +Equipment and tools
- +Inventory and merchandise
- +Furniture and IT equipment
- Part 03
Loss of income and business interruption
- +Revenue maintenance
- +Fixed costs
- +Temporary relocation
- +Continuity of operations
- Part 04
Cyber risks and data protection
- +Ransomware
- +Data theft
- +Recovery costs
- +Bill 25 compliance
- Part 05
Professional liability (Errors and omissions)
- +Professional advice
- +Legal defense
- +Client claims
- +Professional fees
- Part 06
Commercial vehicles and fleets
- +Trucks and vans
- +Service vehicles
- +Vehicle fleets
- +Employee vehicles
- Part 07
Contractors and construction insurance
- +Construction sites
- +Contractor liability
- +Site equipment
- +Subcontractor insurance
- Part 08
Rental property insurance
- +Duplexes and triplexes
- +Revenue properties
- +Loss of rent
- +Landlord liability
- Part 09
Agricultural insurance
- +Farms and agricultural operations
- +Agricultural buildings
- +Machinery and equipment
- +Agricultural civil liability
- Part 10
Directors and Officers (D&O)
- +Claims against officers
- +Legal fees
- +Personal asset protection
- +Corporate governance
- Part 11
Commercial bonds
- +RBQ license
- +Public contracts
- +Bids
- +Contract performance
- Part 12
Pollution and environmental risk insurance
- +Soil contamination
- +Accidental spills
- +Decontamination costs
- +Environmental liability
↳Business risks are not limited to a single insurance contract. A well-designed commercial program combines multiple protections to secure your operations, revenue, assets and liability.
Approach
Each industry presents its own challenges
Each sector of activity has its own challenges. Our role is to understand your operations, identify your risks and build an insurance program that evolves with your business.
Industries we serve
Retail
Boutiques, neighborhood stores, specialized retailers and franchises.
Restaurants and food
Restaurants, cafes, bakeries, catering and food sector businesses.
Rental real estate
Owners of duplexes, triplexes, revenue properties and commercial buildings.
Agriculture and agribusiness
Agricultural producers, farms, sugar bushes, livestock and processing businesses.
Professional services
Consultants, self-employed professionals, agencies, accountants, technologists and service businesses.
Manufacturing and industrial
Manufacturing, processing and distribution businesses.
Technology and digital businesses
Software development, IT services, e-commerce and technology companies.
More than just an insurance policy
Risk analysis
We take the time to understand your operations, contracts, equipment and obligations to identify risks that could affect your business.
Multiple insurer comparison
As an independent firm, we compare multiple markets to find the coverage best suited to your reality.
Claims support
When a loss occurs, you have access to a team that guides you through the entire process with your insurer.
Continuous review
Your business is constantly evolving. We regularly review your coverage to ensure it keeps pace with your growth and new projects.
Solutions for today's challenges
Business growth
New employees, new equipment, new contracts or expansion of activities.
Contractual requirements
Civil liability, bonds, insurance certificates and obligations imposed by general contractors.
Cyber risks and data protection
Coverage tailored to digital realities and obligations related to Bill 25.
Business continuity
Preserve business revenue and limit the financial impact of a major loss.
Protection of managers
Solutions tailored to directors, shareholders and business managers.
Commercial vehicle management
Protection for vehicles used in business operations, whether a single vehicle or a complete fleet.
We support businesses across Quebec in the construction, retail, restaurant, agriculture, real estate, professional services, manufacturing and technology sectors.
Approach · From the first meeting to renewal, a structured annual cycle.
- Step 01
Pre-meeting
A risk questionnaire sent ahead. You gather your leases, your main contracts, your latest financials. We arrive prepared.
↦Before the meeting - Step 02
Audit
Visit of the premises, review of current coverage, identification of blind spots. One hour on site, two to three depending on size.
↦1 to 3 hours - Step 03
Program
A clear matrix of the six parts, with two to three insurers in parallel. We give you a reasoned recommendation, not a copy-paste.
↦5 to 10 days - Step 04
Annual follow-up
Year-end review: changes in revenue, headcount, premises, contracts. We adjust the limits — not just the premium.
↦Renewal
FAQ
Frequently asked questions
A twenty-minute exploratory call, no commitment. We look at your current coverage together and identify the blind spots — often enough to decide whether the next step is worth the trip.
Phone
450 755 3022Email
info@hgassurances.caThe cost of commercial insurance depends notably on the sector of activity, revenue, number of employees, property to insure and coverage chosen. A small service business may sometimes be insured for a few hundred dollars per year, while a construction business or manufacturer typically requires more substantial protection.
Yes. Even small businesses and self-employed workers are exposed to risks that can result in significant financial losses: client claims, property damage, cyberattacks, professional errors or business interruption.
Civil liability covers bodily or material damage caused to third parties. Errors and omissions insurance protects businesses that provide advice or professional services when an error, omission or negligence is claimed.
Most businesses today use computer systems, email or client data. Cyber insurance can help cover costs related to a cyberattack, ransomware, data breach or certain obligations arising from Bill 25.
Yes. Equipment, tools, machinery and commercial property can generally be insured against various risks such as theft, fire or certain accidental damage depending on the coverage chosen.
In many cases, yes. Standard home insurance does not always adequately cover business activities, professional equipment or business-related liability. An analysis of your situation will determine the necessary protection.
Vehicles used in the course of business activities generally require commercial auto insurance adapted to their use and associated risks.
This protection helps compensate for certain financial losses when a covered loss temporarily prevents the business from continuing normal operations.
This protection is strongly recommended for many companies as it aims to protect directors, officers and shareholders against certain claims related to their management decisions.
A broker compares multiple insurers to identify coverage best suited to your business. You benefit from independent advice, greater choice of solutions and personalized support when subscribing and handling claims.