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Sewer and drainage services business insurance in Quebec

Do you run a sewer and drainage service company in Quebec? Excavation and work on sewer systems exposes people to broken pipes, backups and contamination, as well as the risk to underground infrastructure. 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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Sewer and drainage business insurance

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Essential Coverages for Your Sewer and Drainage Business

Pipe damage and backflow

Covers damage to existing networks and backflow resulting from your work.

Environmental responsibility

Protects against accidental contamination of a site during wastewater 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 sewer and drainage contractor trade

Risk profile of the profession

Excavation and work on sewer systems exposes people to broken pipes, backups and contamination, as well as the risk to underground infrastructure.

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 covered if I cause a sewer backup at a customer’s home?
If the backflow is the result of your work or an error in execution, civil liability covers the resulting damage. Contamination may require a pollution component.
Is an underground pipe break covered?
Yes, by civil liability. The prior location of infrastructure (Info-Excavation) remains mandatory to limit this risk.
How much does insurance cost for a sewer and drainage service 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 sewer and drainage 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
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