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Exterior Siding Business Insurance in Quebec

Do you run an exterior siding company in Quebec? The installation of exterior cladding is done at height and the waterproofing of the building depends on it: a defect in installation can cause costly water infiltration. 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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Exterior Siding Business Insurance

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Civil liability
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Essential Covers for Your Siding Business

Waterproofing and infiltration

Covers water damage resulting from a failure to install siding or weatherproof.

Working at heights and scaffolding

Covers bodily injury or property damage related to working at heights and falling tools or materials.

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 exterior siding installer trade

Risk profile of the profession

The installation of exterior cladding is done at height and the waterproofing of the building depends on it: a defect in installation can cause costly water infiltration.

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 coating I have installed?
If the infiltration is the result of an installation defect, the Completed Work Warranty covers the resulting damage.
Does working at height increase my insurance premium?
Yes, it is a risk factor assessed by insurers. Comparing insurers specializing in construction allows you to obtain an adapted price.
How much does insurance cost for an exterior siding 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 needed for an exterior siding installer 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 Chamber of Insurance
  • ✓ 100,000+ Quebecers have already trusted our network
  • ✓ Free service, no hidden costs, no commitment
  • ✓ Quote in 3 minutes, online or by phone
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