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General renovation business insurance in Quebec

Do you run a general renovation company in Quebec? The renovation contractor coordinates several trades in inhabited buildings: water damage, fire, property damage and workmanship defects are the main exposures. 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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General renovation business insurance

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Essential Roofs for Your General Renovation Business

Responsibility for completed work

Covers damage resulting from a defect in the renovated structure, discovered after the end of the contract.

Client property and building

Protects against damage to the client’s property and property during the work.

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 renovation contractor

Risk profile of the profession

The renovation contractor coordinates several trades in inhabited buildings: water damage, fire, property damage and workmanship defects are the main exposures.

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

Does my insurance cover the work of my subcontractors?
Not automatically. Each subcontractor should have its own insurance. Ask for proof of insurance and consider an additional insured clause.
Do I need an RBQ license to do renovation?
Most structural renovation work requires an RBQ license. Your clients will also require proof of liability insurance before the start of the project.
How much does insurance cost for a general renovation 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 necessary for a renovation 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

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  • ✓ AMF-certified partner firms and members of the Chambre de l’assurance
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