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A carpenter in Quebec works on residential and commercial sites, with a high risk of damage : a pipe being cut in a wall, a plank falling on a car, a structural defect that causes partial collapse. The RBQ licence requires a minimum liability coverage of $2 million for several subcategories.

Carpenter — Assur360 insurance

IN BRIEF

Insurance for carpenters

Carpenters (RBQ 1.4 and 1.5) combine risks at height, handling of dangerous tools and presence with third parties. Minimum liability coverage of $2 million.

To be covered: tools (often $10,000-30,000), commercial vehicle, extended liability for high-risk work (roofing, elevation), and workmanship coverage.

Carpenter-joiner insurance covers: $2 million in site liability, workshop and truck tools, commercial vehicle, breakage of the client’s property, errors and omissions (for quotes/plans). Premium: $1,400 to $3,600/year depending on contract volume and RBQ subcategories.

$1,400+
premium avg.
$2M
minimum liability coverage RBQ
$10-30K
Truck Tools
RBQ
License required

Risks specific to your carpenter

Construction site liability

Unintentional damage to the customer’s premises (paint, flooring, electricity). Minimum $2M for most RBQ subcategories, recommended $5M for contracts >$100K.

Tool theft

Truck parked overnight with $15-25K worth of professional tools (Festool, Milwaukee, Makita): common target. Tool endorsement to the truck AND to the site (not just to the workshop).

Structural defect

Poorly assembled framework, undersized joist: liability coverage for product + installation. Errors and omissions insurance if you produce plans.

Construction site accidents (employees)

CNESST mandatory for employees. If self-employed: CNESST certificate for each person required by the insurer.

Essential Protections to Include

Liability coverage $2-5M

Property damage + bodily injury to third parties on construction sites.

All-risk tools

Cutlery at the truck, in the workshop and on the construction site.

Commercial Vehicle

Truck/van + tool trailer.

Errors & Omissions (if plans)

If you design frame or draw plans.

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Premium 2026 — indicative table

ProfileVolume / DetailAnnual Bonus
Self-employed (no employees)Volume <$150K$1,400 – $1,900
SME 2-5 employeesVolume 200-600K$2,200 – $2,900
Company 6-15 employeesVolume $700K – $2M$2,800 – $3,600
Carpenter + custom cabinetryWorkshop + construction site$3,400 – $4,400

The amounts are indicative. Your actual premium depends on your claims history, location, security systems, and coverage chosen.

Tips for lowering your premium

  • Written contract with each customer (quote + plans if applicable): reduction of product liability.
  • Before/after photos : evidence against false damage claims.
  • Up-to-date RBQ certificates for each sub-category (1.3, 1.4, 2.5 framing).
  • Enclosed trailer + GPS on expensive tools: 8-12% discount on tool endorsement.

Frequently Asked Questions — Carpenter Insurance

How much does carpenter-joiner insurance cost in Quebec in 2026?
Average premium: $1,400 to $4,400/year depending on size, sales volume, location, and your claims history. The 2026 rates reflect the increase in the cost of materials and parts.
What protections are essential for a carpenter-joiner?
Minimum: Commercial liability (2-5 M$), building/content (replacement cost), equipment, business interruption. Endorsements specific to your industry (Liability 2-5 M$, Tools all risks) are often crucial.
Is the CNESST included?
No. The CNESST is a mandatory contribution managed separately by the employer. Commercial insurance complements the CNESST for civil liability claims outside of work (clients, third parties).
Do I have to declare all my income exactly?
Yes. A underreporting can result in a proportional penalty (proportional rule) in the event of a claim: if you declared $400K but actually make $800K, you receive 50% of the compensation due.
Are my subcontractors covered by my policy?
No. Each subcontractor must have their own liability insurance. Always request a certificate of insurance and add yourself as an additional insured on their policy. Otherwise, you remain responsible for the damages they cause.
What is a replacement cost vs depreciated value?
Replacement cost: you are reimbursed the current price of an equivalent new piece of equipment. Depreciated value: reduced amount due to wear and tear (e.g., fridge 10 years old = 30% of its replacement cost). Replacement cost is recommended — additional cost 10-15%.
Can I insure my commercial vehicles with the same policy?
Often yes, but sometimes it’s more advantageous to separate: distinct commercial fleet policy. We compare both scenarios to choose the most economical one.
How long does it take to be compensated after a claim?
With up-to-date inventory + photos + financial documents: settlement in 4-8 weeks. Without evidence: it can drag on for 4-12 months. That’s why we recommend a digital inventory backed up off-site.
What should I do if my insurer refuses to renew it?
Common causes: repeated claims, change of activity, relocation. Assur360 has access to 15+ insurers (including 3-4 specialized in difficult risks). We usually find a solution in 90% of cases — call 1-866-357-4451.
How do I get my carpenter-joiner quote?
Fill out our 3-minute form with your annual income, area, number of employees, and current coverages. You will receive up to 3 compared quotes within 24-48 business hours. Free, no obligation. ☎ 1-866-357-4451.

Why choose Assur360

✓ AMF & Chamber of Insurance
Accredited and certified firm
✓ 15+ insurers compared
Intact, Desjardins, Beneva, Aviva, Economical, Belair…
✓ 100,000+ Quebecers served
Since 2008
✓ No cost, no obligation
Our commission is paid by the insurer

Helpful Resources

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