{"id":16124,"date":"2025-03-22T13:32:33","date_gmt":"2025-03-22T17:32:33","guid":{"rendered":"https:\/\/www.assur360.ca\/comparator-2\/construction-insurance-3\/"},"modified":"2026-05-07T16:00:20","modified_gmt":"2026-05-07T20:00:20","slug":"construction-insurance-3","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/comparator-2\/construction-insurance-3\/","title":{"rendered":"Construction insurance"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"InsuranceAgency\", \"name\": \"Assur360 \u2014 Assurance construction\", \"description\": \"Assurance construction au Qu\u00e9bec : RC entrepreneur, risques de chantier, \u00e9quipement, travaux compl\u00e9t\u00e9s. Conforme RBQ. Soumission gratuite en 2 minutes.\", \"url\": \"https:\/\/www.assur360.ca\/assurance-construction\/\", \"telephone\": \"1-866-357-4451\", \"areaServed\": {\"@type\": \"Place\", \"name\": \"Qu\u00e9bec, Canada\"}}\n<\/script>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:60px 24px;text-align:center;border-radius:0 0 16px 16px;margin-bottom:40px;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 16px;\">CONSTRUCTION<\/p>\n  <h2 style=\"color:#ffffff;font-size:32px;font-weight:800;margin:0 0 20px;line-height:1.3;\"><span class=\"ez-toc-section\" id=\"Insurance-for-construction-companies-in-Quebec\"><\/span>Insurance for construction companies in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 auto 32px;max-width:700px;line-height:1.6;\">General, specialized and residential contractors: protect your construction sites with <strong>liability + construction site risks + equipment + completed work<\/strong> coverage that complies with RBQ requirements.<\/p>\n  <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;\">Get my free<\/a>\n quote<a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;border:2px solid #ffffff;\">1-866-357-4451<\/a>    \n  <\/div>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:16px;max-width:1200px;margin:0 auto 40px;padding:0 24px;\">\n  <div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">Starting at $2,500<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Annual premium<\/div>\n  <\/div>\n<div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">$2M to $10M<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">RC Limits<\/div>\n  <\/div>\n<div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">RBQ<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Compliant<\/div>\n  <\/div>\n<div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">AMF<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Certified brokers<\/div>\n  <\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\">The construction industry in Quebec accumulates risks that evolve <strong>every day depending on the site<\/strong> : injury to a worker or passerby, collapse of a structure, theft of equipment, fire, construction defect, claim by a contractor or a buyer. The R\u00e9gie du b\u00e2timent du Qu\u00e9bec (RBQ) requires <strong>proof of civil liability insurance of at least $2 million<\/strong> for any contractor&#8217;s licence. Beyond compliance, a good policy also protects equipment, materials, work-in-progress, and contractual commitments to customers.  <\/p>\n\n<div style=\"display:flex;align-items:center;gap:40px;margin:40px 0 56px;background:linear-gradient(145deg,#f8fafc,#f0f9ff);border-radius:20px;padding:40px;border:1px solid #e2e8f0;flex-wrap:wrap;\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/assurance-construction-chantier.jpg\" alt=\"Construction site \u2014 Assur360 insurance\" style=\"width:45%;max-width:420px;border-radius:16px;flex-shrink:0;height:auto;\" loading=\"lazy\"\/>\n  <div style=\"flex:1;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">IN BRIEF<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;font-family:'Sora',sans-serif;\"><span class=\"ez-toc-section\" id=\"Construction-insurance-contractors\"><\/span>Construction insurance (contractors)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\">The construction sector (RBQ mandatory) covers <strong>residential, commercial and institutional<\/strong>. Integrated policies: RC, course of construction, equipment, vehicles, and surety bonds. <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Suretyship:<\/strong> Public contracts (government, municipalities) require a <strong>bid, performance, and pledge and materials bond<\/strong>. Linkia (Assur360) issues these guarantees. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-6-essential-protections-in-construction\"><\/span>The 6 essential protections in construction<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px;max-width:1200px;margin:24px auto;\">\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Entrepreneur liability<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Injury to others, property damage during the work. Limits of $2 million to $10 million depending on the contract. <\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Construction site risks<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Materials, building under construction, theft, vandalism, fire \u2014 all the way to final delivery.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Equipment and tools<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Cranes, excavators, scaffolding, commercial vehicles, portable tools, trailers.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Completed work<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Claims that arise after the end of the work: defects in workmanship, apparent defects.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Deposit and bonds<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Performance bond, pledge and materials bond, bid \u2014 required by several public donors.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Employer liability<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">CNESST supplemental coverage for out-of-scope claims.<\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);border:2px solid #10c4c7;border-radius:12px;padding:32px;margin:40px auto;max-width:1200px;color:#ffffff;\">\n  <h3 style=\"color:#10c4c7;font-size:1.3rem;margin:0 0 16px;\">\ud83d\udca1 Broker&#8217;s advice<\/h3>\n  <p style=\"color:#e2e8f0;font-size:1rem;line-height:1.7;margin:0;\">In construction, <strong>accurate reporting of your activities<\/strong> is critical. A renovation contractor who occasionally takes on a demolition or work at height contract without declaring it may have his claim denied. Declare all sub-activities, even marginal ones, at the time of subscription. Revise your policy for each new important policy type.   <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\" id=\"faq\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"max-width:1200px;margin:0 auto 40px;\">\n  <details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Does the RBQ require insurance for all contractors?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes. To obtain and maintain a general or specialized contractor&#8217;s licence, the <strong>RBQ requires a minimum RC of $2 million<\/strong>. Several commercial, municipal or institutional clients are asking for $5 million to $10 million. Your broker issues the required certificate within 24-48 hours.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">How much does construction insurance cost in Quebec?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">For a contractor with 5 to 15 employees and a turnover of $1 to $3 million: between $2,500 and $12,000 per year for a RC of $2 million. Contractors in steel structures, deep excavation or work at heights pay more ($10,000 to $40,000) because of the increased risk. <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Are construction defects covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\"><strong>Physical damage resulting from a defect<\/strong> (leak that damages a floor, short circuit that causes a fire) is generally covered by the RC for completed work. The <strong>defects themselves<\/strong> (improper installation of a shingle, improper welding) are not covered \u2014 this is a standard exclusion. An E&#038;O policy completes the coverage.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Can I combine the liability and equipment in one policy?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes. Most insurers offer an <strong>integrated commercial construction policy<\/strong> that combines liability, property, equipment, construction risks, commercial vehicles and surety bonds. Overall premium 15-25% cheaper than a separate policy package. <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Do my subcontractors need to have their own insurance?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes \u2014 and you must require <strong>proof of insurance before each policy begins<\/strong>. Your own policy must include the &#8220;Subcontractors&#8217; Subsidiary Liability&#8221;. Uninsured subcontractors are your financial responsibility.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">A construction site is vandalized during the night \u2014 what do the police cover?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\"><strong>Construction site risks<\/strong> (also known as &#8220;builder&#8217;s risk&#8221; or &#8220;installation floater&#8221;) cover vandalism, theft of materials, breakage and fire. Active coverage from the start of the work until the <strong>final delivery to the customer<\/strong>. Common exclusions: earthquake (rider), flood designated area.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Are work at height or in confined spaces covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, if your policy explicitly states this. <strong>Work at a height of more than 15 m, in enclosed spaces or underground,<\/strong> often requires amendments and an increase in premium. Declare these activities at the time of subscription to avoid surprise exclusions.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">A buyer sues me for hidden defects 3 years after the end of the work \u2014 am I covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Possibly \u2014 if your policy included <strong>work completed<\/strong> coverage at the time of the work AND is still active at the time of the claim. The limitation period in Quebec can be up to 10 years for major defects. Maintain your policy without interruption.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Is my rented equipment covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, via the equipment endorsement <strong>rented in your name<\/strong>. Typical limit: $100,000 to $500,000 per event. Essential if you regularly rent cranes, excavators or aerial work platforms.  <\/div>\n  <\/details>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Construction-contractors-throughout-Quebec\"><\/span>Construction contractors throughout Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"background:#f8fafc;border-radius:12px;padding:28px;margin:24px auto 40px;max-width:1200px;\">\n  <p style=\"color:#334155;font-size:1rem;line-height:1.7;margin:0 0 12px;\">Assur360 supports businesses throughout Quebec: <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Longueuil<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong> and <strong>Saguenay<\/strong>. From residential renovation in Laval to major commercial projects in Montreal, from municipal projects in the Outaouais to industrial construction in the Mauricie region: our brokers are familiar with the requirements of the RBQ, municipalities and major contractors. <\/p>\n  <p style=\"color:#334155;font-size:1rem;line-height:1.7;margin:0;\">100% online quote, free of charge, with comparison of several Canadian insurers.<\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Additional-Coverage-to-Consider\"><\/span>Additional Coverage to Consider<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:16px;max-width:1200px;margin:24px auto;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/insurance-for-construction-contractors\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Construction Contractors Insurance<\/div>\n  <\/a>\n<a href=\"\/responsabilite-civile-entrepreneur-general\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">General contractor liability<\/div>\n  <\/a>\n<a href=\"\/assurance-responsabilite-civile-couvreur\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Roofer liability insurance<\/div>\n  <\/a>\n<a href=\"\/assurance-entreprise-de-toiture\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Roofing company insurance<\/div>\n  <\/a>\n<\/div>\n\n<h3 class=\"wp-block-heading\">Official references<\/h3>\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.rbq.gouv.qc.ca\" rel=\"nofollow noopener\" target=\"_blank\">R\u00e9gie du b\u00e2timent du Qu\u00e9bec<\/a><\/li>\n<li><a href=\"https:\/\/www.cnesst.gouv.qc.ca\/fr\/prevention-securite\/identifier-corriger-risques\/listes-informations-secteur\/construction\" rel=\"nofollow noopener\" target=\"_blank\">CNESST \u2014 Construction<\/a><\/li>\n<li><a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assurances\/\" rel=\"nofollow noopener\" target=\"_blank\">Autorit\u00e9 des march\u00e9s financiers<\/a><\/li><\/ul>\n\n<div style=\"background:#f0fdfa;border:2px solid #10c4c7;border-radius:12px;padding:30px;margin:40px auto;max-width:1200px;\">\n  <h3 style=\"color:#0d1f2d;font-size:1.15rem;margin:0 0 16px;\">\ud83d\udee1 Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:16px;\">\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">AMF<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Certified brokers<\/div>\n    <\/div>\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">ChAD<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Insurance Chamber<\/div>\n    <\/div>\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">100K+<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Submissions processed<\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:48px 24px;text-align:center;max-width:1200px;margin:0 auto 40px;border-radius:16px;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 12px;\">COMPARE AND SAVE<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;font-weight:800;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Get-your-free-quote\"><\/span>Get your free quote<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 0 28px;\">Our AMF-certified brokers compare several insurers to find you the best coverage.<\/p>\n  <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;\">Get my free<\/a>\n quote<a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;border:2px solid #ffffff;\">1-866-357-4451<\/a>    \n  <\/div>\n<\/div>\n\n<script type=\"application\/ld+json\">\n{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"La RBQ exige-t-elle une assurance pour tous les entrepreneurs ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui. Pour obtenir et maintenir une licence d'entrepreneur g\u00e9n\u00e9ral ou sp\u00e9cialis\u00e9, la <strong>RBQ exige une RC de 2 M$ minimum. Plusieurs donneurs d'ordres commerciaux, municipaux ou institutionnels demandent 5 M$ \u00e0 10 M$. Votre courtier \u00e9met l'attestation requise en 24-48 h.\"}}, {\"@type\": \"Question\", \"name\": \"Combien co\u00fbte une assurance construction au Qu\u00e9bec ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Pour un entrepreneur de 5 \u00e0 15 employ\u00e9s avec un CA de 1 \u00e0 3 M$ : entre 2 500 $ et 12 000 $ par ann\u00e9e pour une RC de 2 M$. Les entrepreneurs en structures d'acier, excavation profonde ou travaux en hauteur paient davantage (10 000 $ \u00e0 40 000 $) en raison du risque accru.\"}}, {\"@type\": \"Question\", \"name\": \"Les d\u00e9fauts de construction sont-ils couverts ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Les <\/strong><strong>dommages physiques cons\u00e9cutifs \u00e0 un d\u00e9faut (fuite qui endommage un plancher, court-circuit qui cause un incendie) sont g\u00e9n\u00e9ralement couverts par la RC travaux compl\u00e9t\u00e9s. Les <\/strong><strong>d\u00e9fauts eux-m\u00eames (mauvaise pose d'un bardeau, soudure non conforme) ne sont pas couverts \u2014 c'est une exclusion standard. Une police E&O compl\u00e8te la couverture.\"}}, {\"@type\": \"Question\", \"name\": \"Puis-je regrouper la RC et l'\u00e9quipement dans une seule police ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui. La plupart des assureurs offrent une <\/strong><strong>police commerciale int\u00e9gr\u00e9e construction qui combine RC, biens, \u00e9quipement, risques de chantier, v\u00e9hicules commerciaux et cautionnement. Prime globale 15 \u00e0 25 % moins ch\u00e8re qu'un assemblage de polices distinctes.\"}}, {\"@type\": \"Question\", \"name\": \"Mes sous-traitants doivent-ils avoir leur propre assurance ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui \u2014 et vous devez exiger une <\/strong><strong>preuve d'assurance avant le d\u00e9but de chaque contrat. Votre propre police doit inclure la \u00ab RC subsidiaire des sous-traitants \u00bb. Les sous-traitants non assur\u00e9s sont votre responsabilit\u00e9 financi\u00e8re.\"}}, {\"@type\": \"Question\", \"name\": \"Un chantier est vandalis\u00e9 pendant la nuit \u2014 que couvre la police ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Les <\/strong><strong>risques de chantier (aussi appel\u00e9s \u00ab builder's risk \u00bb ou \u00ab installation floater \u00bb) couvrent le vandalisme, le vol de mat\u00e9riaux, les bris, l'incendie. Couverture active du d\u00e9but des travaux jusqu'\u00e0 la <\/strong><strong>livraison finale au client. Exclusions usuelles : tremblement de terre (avenant), inondation zone d\u00e9sign\u00e9e.\"}}, {\"@type\": \"Question\", \"name\": \"Les travaux en hauteur ou en espace clos sont-ils couverts ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, si votre police le mentionne explicitement. Les <\/strong><strong>travaux \u00e0 plus de 15 m, en espace clos ou souterrains n\u00e9cessitent souvent des avenants et une augmentation de prime. D\u00e9clarez ces activit\u00e9s \u00e0 la souscription pour \u00e9viter les exclusions surprises.\"}}, {\"@type\": \"Question\", \"name\": \"Un acheteur me poursuit pour vice cach\u00e9 3 ans apr\u00e8s la fin des travaux \u2014 suis-je couvert ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Possiblement \u2014 si votre police incluait la garantie <\/strong><strong>travaux compl\u00e9t\u00e9s au moment des travaux ET qu'elle est toujours active au moment de la r\u00e9clamation. Le d\u00e9lai de prescription au Qu\u00e9bec peut atteindre 10 ans pour les vices majeurs. Maintenez votre police sans interruption.\"}}, {\"@type\": \"Question\", \"name\": \"Mon \u00e9quipement lou\u00e9 est-il couvert ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, via l'avenant <\/strong><strong>\u00e9quipement lou\u00e9 \u00e0 votre nom. Limite typique : 100 000 $ \u00e0 500 000 $ par \u00e9v\u00e9nement. Essentiel si vous louez r\u00e9guli\u00e8rement des grues, pelles m\u00e9caniques ou nacelles.\"}}]}\n<!-- wpml:html_fragment <\/strong><\/script>  -->\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"BreadcrumbList\", \"itemListElement\": [{\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Accueil\", \"item\": \"https:\/\/assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Assurance entreprise\", \"item\": \"https:\/\/assur360.ca\/assurance-entreprise\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Assurance construction\", \"item\": \"https:\/\/www.assur360.ca\/assurance-construction\/\"}]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>CONSTRUCTION Insurance for construction companies in Quebec General, specialized and residential contractors: protect your construction sites with liability + construction site risks [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":16120,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Construction Insurance Quebec 2026 | RC, construction site, RBQ","_seopress_titles_desc":"Construction insurance in Quebec: contractor's liability, site risks, equipment, completed work. 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