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Civil engineering and infrastructure business insurance in Quebec

Do you run a civil engineering and infrastructure company in Quebec? Infrastructure work (roads, bridges, aqueducts, public works) involves heavy machinery, high-value public contracts and high exposure to third parties and the public. Assur360 is an independent comparator 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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Essential Coverages for Your Civil Engineering and Infrastructure Business

High Limit Third Party Liability

Covers bodily injury and property damage to the public on large-scale construction sites, where limits of $5 million or more are often required.

Heavy Machinery and Equipment

Shovels, graders, compactors and heavy equipment covered against breakage and theft.

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 civil infrastructure contractor

Risk profile of the profession

Infrastructure work (roads, bridges, aqueducts, public works) involves heavy machinery, high-value public contracts and high exposure to third parties and the public.

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

What limits of liability are required for public contracts?
Public clients (municipalities, MTQs) generally require high civil liability limits ($5 million or more) and proof of insurance before the contract is awarded.
Is surety bond the same as insurance?
No. The surety guarantees the performance of the contract to the client, while the insurance covers your liability in the event of damage. Infrastructure contracts often require both.
How much does insurance cost for a civil engineering and infrastructure 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 civil infrastructure contractor in Quebec?
The law does not impose civil liability on all companies, but your clients, 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 Chambre de l’assurance
  • ✓ 100,000+ Quebecers have already trusted our network
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