Nous utilisons des cookies pour mesurer l’audience et améliorer votre expérience. Vous pouvez accepter ou refuser. Consultez notre https://www.assur360.ca/en/privacy-policy-and-personal-information/.

Patio and Deck Construction Company Insurance in Quebec

Do you run a patio and terrace construction company in Quebec? Raised terraces are load-bearing structures: their collapse can seriously injure occupants. Responsibility for the completed work is decisive here. 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.

FREE QUOTE 2026

Patio and deck construction company insurance

Compare 9+ commercial insurers in less than 3 minutes

Get my free quote→
9+
Insurers Compared
3 min
Online Quote
$2M+
Civil liability
100 %
Free, no obligation

Essential Covers for Your Patio and Deck Construction Business

Responsibility for structures (terraces)

If a deck or patio collapses after delivery and causes injury, this coverage covers the damage — a major risk for elevated structures.

Materials in the field

Theft or breakage of treated wood, composite, slabs and hardware stored on the customer’s property prior to 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 trade of patio contractor

Risk profile of the profession

Raised terraces are load-bearing structures: their collapse can seriously injure occupants. Responsibility for the completed work is decisive here.

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 if a patio I built collapses years later?
Yes, you can be held liable for a construction defect even after the end of the contract. Liability coverage for completed work is specifically aimed at these late claims.
Do I need an RBQ license to build patios?
Depending on the size and attachment to the building, an RBQ license may be required. Your customers will require proof of liability insurance before the work begins anyway.
How much does insurance cost for a patio and terrace construction 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 a patio construction 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
  • ✓ Free service, no hidden costs, no commitment
  • ✓ Quote in 3 minutes, online or by phone
Scroll to Top