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Ceramic installation company insurance in Quebec

Do you run a ceramic installation company in Quebec? The installation of ceramic tiles often involves waterproofing bathrooms and showers: a lack of waterproofing can cause major water damage to the building. Assur360 is an independent comparison platform that puts you in touch with AMF-certified partner firms. The brokers of our partner firms compare more than 9 insurers specializing in commercial insurance to find the right coverage for your business, at the best price and at no cost.

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Ceramic installation company insurance

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Essential Covers for Your Ceramic Laying Business

Waterproofing and water damage

Covers water damage resulting from a waterproofing or installation defect found after the work.

Fragile materials on site

Tiles, slabs and fragile materials covered against breakage and theft before installation.

General liability $2 million to $5 million

Covers bodily injury or property damage that your business may cause to a customer or third party during the work. This is the basic protection required by most clients.

Tools and Equipment

Theft, breakage or loss of your tools and equipment, on the jobsite, in the shop or in the vehicle.

Property and materials on site

Materials supplied and work being installed before final acceptance by the customer.

Vehicles and commercial fleet

Company trucks, vans and trailers, with coverage of the equipment being transported.

Risks specific to the profession of ceramic installer

Risk profile of the profession

The installation of ceramic tiles often involves waterproofing bathrooms and showers: a lack of waterproofing can cause major water damage to the building.

Compliance and licensing

Most construction work in Quebec requires a license from the Régie du bâtiment (RBQ). The licence attests to your competence; Insurance protects your finances in the event of damage. Your customers will demand proof of both.

One comprehensive policy

Most businesses like yours bundle liability, tools, equipment, vehicles and property into a single comprehensive commercial policy — often better and simpler than separate policies.

Frequently asked questions

Am I responsible for water infiltration behind a shower that I have tiled?
If the infiltration is the result of a leak in your installation, the completed work warranty covers damage to the building.
Is breaking expensive tiles during installation covered?
Materials being installed may be covered by the “property on site” guarantee. Check the limit with your insurance broker.
How much does insurance cost for a ceramic installation company in Quebec?
The premium varies depending on your sales, the number of employees, your specific activities, your claims history and the limits chosen. As an indication, the civil liability of a small contractor is often between $500 and $1,800 per year, but the exact premium is established after analyzing your file. Comparing several insurers remains the best way to get a fair price.
What insurance is required for a ceramic installer in Quebec?
The law does not impose civil liability on all companies, but your clients and the Régie du bâtiment almost always require it. If you have employees, registration with the CNESST is mandatory.
Does my home insurance cover my business if I’m self-employed?
No. A home insurance policy excludes commercial activities. You need separate business insurance to cover your liability, tools, and professional equipment.
Am I covered if one of my employees is injured on a construction site?
Employees’ occupational injuries are covered by the CNESST’s public plan, to which you must contribute. Instead, your business insurance covers your liability to third parties as well as your property.
Are my tools covered if they are stolen from my truck?
Yes, with the Tools and Equipment endorsement, your tools are covered against theft and breakage, including off-site and in your vehicle. Check the applicable limit and deductible.

Why choose Assur360

  • ✓ Independent comparator : we compare more than 9 insurance companies for you
  • ✓ AMF-certified partner firms and members of the Chamber of Insurance
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