Self-employed worker

Separate insurance

You cause damage to a third party. Your home insurance policy doesn’t provide coverage in this case. However, when you buy self-employment insurance, you add civil liability coverage.

Most common exclusions

  • Production or processing of dangerous materials.
  • Businesses with several employees.
  • Damages for which you are liable under a contract made with your client.
  • Damages related to your professional responsibility.

And what if you unintentionally cause damage not directly related to your professional activities? Then civil liability coverage kicks in. Watch out for exclusions! A self-employment policy, like any insurance policy, also contains exclusions.

Water damage: covered or not?

Water damage: covered or not?

Most water damage is insurable. The proof: water damage is the leading cause of home insurance claims in Quebec. Learn More

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