Insurance
Talk to one of our agents at
1 800 644-0607 or write to us
Whether you own a grocery store, electronics boutique or pet shop, it’s important to properly insure your building and its contents, and don’t forget civil liability coverage.
We’ve got insurance that fits your needs with solid coverage, a slew of options and plenty of added perks. Because we’re an insurance company that cares about retail.
Competitive pricing
Coverage you need at the right price
Always lots of surprises when running a business. Let us lighten your load with insurance that covers all your bases.
Sweet Deals
Direct debit payments
Your insurance payments are withdrawn directly from your bank account each month. There’s one less thing to think about!
Flexible payment options
Split your premium into 26 payments—no interest, no service fees!
Do business with a Quebec business
Supporting local business is always a winning move. You contribute directly to the economy and job creation in your community.
The basics
Run your business with solid coverage...
Your commercial property, such as your building, merchandise and equipment, is covered in the event of damage caused by fire, theft or vandalism.
Your building and business-related equipment is covered for full replacement value.
You’re covered for injuries to third parties, like a customer taking a fall on your icy driveway or wet floor. You’re also covered if you damage someone else’s property.
Your valuable papers and records are covered against direct damage from an insured peril. This means if important documents, such as account statements or contracts, were damaged in a fire, your coverage would help you replace them.
Embezzlement resulting directly from any dishonest act committed by an employee is covered.
If a loss forces you to close up shop or relocate during repairs, your loss of income and additional expenses are covered.
We offer specific insurance for retailers to cover your losses and protect your merchandise against certain risks related to your line of business.
This includes coverage for product recalls or loss of perishables due to a prolonged power outage following a loss caused by an insured risk.
Your options
...and a choice of add-ons for extra peace of mind
Legal Access insurance for businesses
We give you the tools to defend your rights and be accompanied by a professional if you have a legal problem. Like taking legal action against a supplier who’s not respecting the terms of a contract, or a client complaint about a good or service rendered.
Privacy breach
Covers, among other things, the costs of cyber investigation, prosecution and contacting your customers following the theft of paper and computer documents containing sensitive information.
Flood coverage
You're covered for water damage to your building, property and equipment following a flood, including above-ground water.
Earthquake coverage
You're covered for damage to your building, equipment or merchandise caused by an earthquake.
Environmental Impairment Liability
For instance, if a tank of oil or gasoline spills and damages the neighbouring property, we cover the cost of decontamination under civil liability.
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Beneva
La Capitale and SSQ Insurance become Beneva
That means a whole lot more good people have you covered!