Business insurance

Types of insurance

Deslauriers is your trusted partner for protecting everything you have built with your business. We are a strong ally making sure that your organization enjoys financial health and stability in everything that it does.

Management liability insurance

Are you at the helm of a private company? Do you serve on the board of directors of a non-profit? Do you direct a public organization? Are you a decision maker at a venture capital firm? Then you know better than anyone that transparency and compliance are now the name of the game-and that your position could expose you to liability.

Shareholders, customers, employees, competitors, and even governments can bring legal proceedings against any organization, director, or officer. Your insurance coverage portfolio should include management liability insurance and, depending on what you do and the industry you work in, additional coverage for:

  • Pollution liability
  • Fiduciary liability
  • Professional service liability
  • Outside directorship liability for non-profit organizations
  • Employment practices liability (wrongful termination, discrimination, psychological harassment)

Contact a Deslauriers advisor

Commercial auto insurance

Whether you're insuring a personal car that you use for business, an entire vehicle fleet, or vehicles you don't own, we have the best coverage options tailored to your situation and your needs:

  • Fleet insurance (five or more vehicles)
  • Quebec automobile insurance policy form (Q.P.F.) no. 1 (personal and business use)
  • Quebec automobile insurance policy form (Q.P.F.) no. 4 (mechanics insurance)

Let's make sure you're in the driver's seat

Contact a Deslauriers advisor

Property insurance

Inventory, computers, machinery, premises, income, and more. You've built up your business's assets over time through hard work and careful investments. These assets are also the keys to future growth. An unexpected loss could jeopardize what you've taken years to build. We offer the following coverages to suit your needs:

  • Property insurance
  • Replacement cost or agreed value
  • Property being installed
  • Cargo/transportation
  • Equipment breakdown
  • Loss of income
  • Additional fees
  • Contingent business interruption

Protect your assets

Contact a Deslauriers advisor

Equipment breakdown

For industrial and manufacturing businesses, if equipment breaks down, having it repaired is only half the story-it also means a slowdown in business, stopped production, and all too often, a loss of income. When you take out equipment breakdown insurance, you're protecting your business from the repercussions of the sudden and accidental breakdown of the equipment you need to operate. Equipment breakdown insurance is an ideal complement to property insurance.

Types of equipment covered

  • Production machinery
  • Electrical and electronic equipment
  • Pressure equipment

Keep your production up to speed

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Cargo/transportation

Are you a manufacturer who ships product all over the world? Do you work in the transportation industry? Deslauriers has a full range of insurance products tailored to your organization's needs. We offer a variety of coverage options according to the size of your fleet-vehicles, planes, boats, trains, and more.-and where you operate (Canada, the US, and further afield), including:

  • Private transportation
  • For-hire transportation
  • Loading
  • Unloading

Solutions that keep you moving forward

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Construction

There's no shortage of hazardous risks at construction sites. Construction insurance is a must for your construction projects and any potential construction-related property damage. Deslauriers offers a comprehensive range of coverages for every aspect of a construction site:

  • Property under construction
  • Loss of income and additional costs
  • Transportation and property at unnamed locations
  • Contractor environmental liability
  • Construction site civil liability

Protect what you are working to build!

Contact a Deslauriers advisor

Commercial theft

No business is immune to the possibility of theft by employees or other individuals. All businesses, no matter how big they are or how they protect themselves, are at risk of internal theft, burglary, computer fraud, and other criminal acts. Deslauriers offers coverage to protect you against:

  • Burglary and theft
  • Theft of money and valuables
  • Employee fraud or dishonesty
  • Fraud, including computer fraud, and forgery
  • Customer interest

Safeguard your organization's reputation

Contact a Deslauriers advisor

Environmental liability

Consumers, business partners, shareholders, and employees are more concerned about environmental issues than ever. Do you do business in an environmentally sensitive sector? Consider taking out insurance to cover the financial and environmental impacts of your business. Deslauriers offers coverage for various environmental risks:

  • Storage tank pollution liability
  • Contractor pollution liability
  • Premises pollution liability
  • Errors and omissions

Contact a Deslauriers advisor

Professional liability - Errors and omissions

To err is human. No matter how capable or careful you are, you might make an unintentional error that affects the interests of one of your customers. Deslauriers offers dedicated errors and omissions insurance to insure against liability for committing an error or omission and cover financial losses sustained by a customer. We offer various coverage options depending on whether your customer's loss is the result of an error, omission or negligence:

  • Technology errors and omissions insurance
  • Environmental errors and omissions insurance
  • Architects and engineers errors and omissions insurance
  • Manufacturers errors and omissions insurance
  • Any other type of professional liability insurance

Do business with peace of mind

Contact a Deslauriers advisor

Product recalls

Product recalls can be devastatingly expensive and compromise your business's financial stability. Product recall insurance covers the costs when one of your products is recalled. This type of coverage can also include expenses incurred to repair your product.

Deslauriers offers protection that will help you through all of the stages of product recall:

  • Communications
  • Shipping to remove products from the market
  • Total cost of goods
  • Destruction or disposal costs
  • Analysis and investigation

Protect your business's financial stability

Contact a Deslauriers advisor

General liability

Commercial general liability insurance covers your business for personal injury or property damage caused by your employees, the use of one of your products, or work you have completed. This general coverage may be combined with one of the following:

  • Tenant's legal liability
  • Advertising injury liability
  • Non-owned auto liability
  • Product recall, etc.

Make sure you're meeting your responsibilities to customers, partners, and other stakeholders-while avoiding lawsuits

Contact a Deslauriers advisor

Fiduciary liability

Various employers provide benefits plans in order to attract and retain employees. Trustees, administrators, and the company itself could be held liable if these plans are managed in a way that loses money.

Deslauriers fiduciary liability insurance protects the organizations that have such benefits plans and the individuals who manage them.

Do you have an employee benefits plan?

Contact a Deslauriers advisor

Cybersecurity, network security, and data security

According to the Office of the Privacy Commissioner of Canada , privacy violations are now six times higher than they were in 2018. Hackers are also using increasingly sophisticated strategies. Computers have never been more omnipresent in day-to-day work in every industry. Your servers are storing a variety of private and confidential information, including customer contact information, sensitive files, personal information, and more. You can't do without insurance that provides liability coverage for the protection of confidential information in the event of an internal or external data breach.

Strengthen management of your IT security by opting for coverage that protects you against:

  • Ransomware
  • Losses related to business interruption
  • Social engineering losses
  • Data theft
  • Data loss
  • Accidental disclosure
  • Unauthorized access

Protect your business from cybercrime

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