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Landscaping business insurance in Quebec

Do you run a landscaping company in Quebec? Landscaping is a combination of excavation, machinery and planting: digging near pipes, flying debris and damage to neighbouring properties are common risks. 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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Landscaping Business Insurance

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Civil liability
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Essential Covers for Your Landscaping Business

Damage to underground infrastructure

Covers pipe and cable breaks during excavation and planting.

Machinery and Equipment

Mini excavators, commercial mowers, blowers and equipment covered against theft and breakage.

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 landscaper

Risk profile of the profession

Landscaping is a combination of excavation, machinery and planting: digging near pipes, flying debris and damage to neighbouring properties are common risks.

Compliance and licensing

Even if this profession does not always require an RBQ license, proof of civil liability insurance is almost always requested by your commercial and institutional clients before the start of the work.

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 covered if a rock thrown by my mower breaks a window?
Yes, civil liability covers property damage caused unintentionally to third parties during your operations.
Does my insurance cover plantations that die after installation?
The plant take-back guarantee is not a standard insurance cover: it is a commercial guarantee that you offer. The insurance covers sudden and accidental damage, not wear and tear or natural mortality.
How much does insurance cost for a landscaping 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 landscaper 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
  • ✓ Free service, no hidden costs, no commitment
  • ✓ Quote in 3 minutes, online or by phone
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