The survey covers 891 respondents and shows that 73 % express a rather strong concern relating to insurable risks. In terms of actual insurance coverage, our results show that SMEs use a relatively high number of contracts among those that are widely available on the market. The results also show that the vast majority of respondents buy their insurance coveragc through a broker rather than with a direct writer. The two most common factors restraining the use of insurance by SMEs are the high coverage costs relative to benefîts and the restrictions associated with the severe exclusions imposed by insurers. Overall, our results give a rather positive outlook of the depth and breadth of the small business insurance market in Québec.