{"id":19842,"date":"2025-05-09T15:40:32","date_gmt":"2025-05-09T19:40:32","guid":{"rendered":"https:\/\/www.assur360.ca\/business-insurance-3-minute-quote\/roofing-company-insurance-compare-offers-in-a-few-minutes\/"},"modified":"2026-05-07T16:01:00","modified_gmt":"2026-05-07T20:01:00","slug":"roofing-company-insurance-compare-offers-in-a-few-minutes","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/roofing-company-insurance-compare-offers-in-a-few-minutes\/","title":{"rendered":"Roofing company 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 entreprise de toiture\", \"description\": \"Assurance pour entreprise de toiture au Qu\u00e9bec : RC 2M$, travaux \u00e0 chaud, \u00e9quipements, membrane. Conforme RBQ. Soumission gratuite en 2 minutes.\", \"url\": \"https:\/\/www.assur360.ca\/assurance-entreprise-de-toiture\/\", \"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;\">ROOFING COMPANY<\/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-roofing-companies-in-Quebec\"><\/span>Insurance for roofing 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;\">Shingles, metal, EPDM\/TPO membranes, hot bituminous roofs: each type of roof has its risks. Protect your business with a <strong>suitable and RBQ-compliant font<\/strong>. <\/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 $2,200<\/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 $5M<\/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;\">Hot<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Covered<\/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>Roofing companies are among the most affected and difficult construction trades <strong>to insure<\/strong>. A worker&#8217;s fall, a fire caused by a blowtorch, water damage during a repair, a poorly installed membrane that leaks after 2 years: the slightest incident can cost tens of thousands of dollars. The RBQ requires $2 million in RCA, but large commercial donors often ask for $5 million with RC work completed \u2014 impossible to obtain without a broker who knows the sector.  <\/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-entreprise-toiture.jpg\" alt=\"Roofing company \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=\"Insurance-for-roofing-companies\"><\/span>Insurance for roofing companies<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\">Roofing companies (residential, commercial, industrial) accumulate the risks of height, bad weather and installation defects. Documented CNESST prevention program required. <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Installation warranty:<\/strong> post-delivery installation defects (infiltrations) must be covered by a <em>workmanship \/ completed operations<\/em> warranty of at least 12-24 months.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Essential-Roofing-Company-Protections\"><\/span>Essential Roofing Company Protections<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;\">Operating liability<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Injury to others and property damage during the work. Limits $2 million to $5 million. <\/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;\">Hot work<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Explicit coverage for bituminous torch roofing \u2014 excluded by default in many policies.<\/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;\">Leaks, infiltration, defects in workmanship discovered after the end of the work.<\/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<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Platers, compressors, nailers, scaffolding, trailers, aerial work platforms.<\/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;\">Materials on site<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Shingles, membranes, insulation, accessories \u2014 anti-theft, fire and vandalism.<\/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;\">Errors &#038; Omissions<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Poor evaluation, inadequate product selection, load calculation error.<\/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;\"><strong>Hot work<\/strong> is the number one cause of fires in roofing companies. Always comply with the NFPA 51B protocol: hot work permit, flame screen, fire extinguisher within range, <strong>fire round of at least 60 minutes<\/strong> after the end of the work. Document each round \u2014 it&#8217;s your best protection in the event of a loss.  <\/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;\">How much does roofing company insurance cost?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">For a company of 3 to 8 roofers with a turnover of $500,000 to $1.5 million: between $2,200 and $7,500 per year for a liability of $2 million. Companies that primarily do hot or commercial roofing typically pay 25-50% more. <\/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;\">Does the RBQ require a specific liability for the roof?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">The RBQ requires general liability of $2 million for all specialized contractor licences, including the roofing subcategory. Some home insurance companies require <strong>$5 million<\/strong> for contractors to refer to their policyholders following a loss. <\/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 hot jobs covered automatically?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">No \u2014 most fonts exclude hot jobs by default. An <strong>explicit endorsement<\/strong> mentioning the bituminous roof with a blowtorch is required. Without this amendment, a fire caused by a blowtorch will be excluded.  <\/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 membrane installed 2 years ago is leaking \u2014 am I responsible?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">If the leak is due to a <strong>defect in workmanship<\/strong> (poorly welded joints, poorly fixed edges), your completed work liability can intervene for the consequential damage (ceilings, floors, property). <strong>Replacement of the membrane itself<\/strong> is usually excluded \u2014 at your expense. <\/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 my employees covered in the event of a fall?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Employee injuries are the responsibility of the <strong>CNESST<\/strong>, not your RC. Make sure you have an up-to-date CNESST file. The CNESST may contest your tariff classification if your activities do not correspond to the one declared.  <\/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;\">I outsource the shingle installation \u2014 am I responsible?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes \u2014 to your customer, you remain responsible for the work of your subcontractors. Require proof <strong>of $2 million liability insurance with you as an additional insured<\/strong> before each contract. Your policy must include the subcontractors&#8217; subsidiary liability.  <\/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 aerial work platforms and scaffolding covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, via equipment insurance. <strong>Motorized boom lifts<\/strong> (Genie, Skyjack) require separate commercial vehicle coverage when driving on public roads. Fixed scaffolding is covered as business equipment.  <\/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 customer refuses to pay and claims me for non-compliant work \u2014 what should I do?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">A <strong>contractual dispute<\/strong> is not covered by your RC. Corporate legal protection (cost $400 to $800\/year) covers attorneys&#8217; fees for this type of dispute. Your broker can add it to your policy.  <\/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 work on commercial roofs over 15m?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, if your policy mentions <strong>work at a height of more than 15 m<\/strong>. This addition increases the premium from 10% to 20%. Without this mention, a loss on a building of 5 storeys or more could be excluded.  <\/div>\n  <\/details>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Roofing-companies-throughout-Quebec\"><\/span>Roofing companies 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>. Our brokers serve residential and commercial roofers of all sizes in Quebec. We know the requirements of builders, home insurers who refer to contractors, and institutional 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=\"\/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-construction\/\" 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 insurance<\/div>\n  <\/a>\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<\/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\">RBQ \u2014 roofing subclass<\/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\": \"Combien co\u00fbte une assurance pour entreprise de toiture ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Pour une entreprise de 3 \u00e0 8 couvreurs avec un CA de 500 000 $ \u00e0 1,5 M$ : entre 2 200 $ et 7 500 $ par ann\u00e9e pour une RC de 2 M$. Les entreprises qui font principalement de la toiture \u00e0 chaud ou commerciale paient g\u00e9n\u00e9ralement 25 \u00e0 50 % de plus.\"}}, {\"@type\": \"Question\", \"name\": \"La RBQ exige-t-elle une RC sp\u00e9cifique pour la toiture ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"La RBQ exige la RC g\u00e9n\u00e9rale de 2 M$ pour toute licence d'entrepreneur sp\u00e9cialis\u00e9, dont la sous-cat\u00e9gorie couvreur. Certaines compagnies d'assurance habitation exigent <strong>5 M$ pour les entrepreneurs qu'elles r\u00e9f\u00e9rent \u00e0 leurs assur\u00e9s suite \u00e0 un sinistre.\"}}, {\"@type\": \"Question\", \"name\": \"Les travaux \u00e0 chaud sont-ils couverts automatiquement ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Non \u2014 la plupart des polices excluent les travaux \u00e0 chaud par d\u00e9faut. Il faut un <\/strong><strong>avenant explicite mentionnant la toiture bitumineuse au chalumeau. Sans cet avenant, un incendie caus\u00e9 par un chalumeau sera exclu.\"}}, {\"@type\": \"Question\", \"name\": \"Une membrane install\u00e9e il y a 2 ans fuit \u2014 je suis responsable ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Si la fuite est due \u00e0 un <\/strong><strong>d\u00e9faut d'ex\u00e9cution (joints mal soud\u00e9s, bordures mal fix\u00e9es), votre RC travaux compl\u00e9t\u00e9s peut intervenir pour les dommages cons\u00e9cutifs (plafonds, planchers, biens). Le <\/strong><strong>remplacement de la membrane elle-m\u00eame est g\u00e9n\u00e9ralement exclu \u2014 \u00e0 votre charge.\"}}, {\"@type\": \"Question\", \"name\": \"Mes employ\u00e9s sont-ils couverts en cas de chute ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Les blessures aux employ\u00e9s rel\u00e8vent de la <\/strong><strong>CNESST, pas de votre RC. Assurez-vous d'avoir un dossier CNESST \u00e0 jour. La CNESST peut contester votre classification tarifaire si vos activit\u00e9s ne correspondent pas \u00e0 celle d\u00e9clar\u00e9e.\"}}, {\"@type\": \"Question\", \"name\": \"Je sous-traite la pose des bardeaux \u2014 suis-je responsable ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui \u2014 envers votre client, vous restez responsable du travail de vos sous-traitants. Exigez une <\/strong><strong>preuve d'assurance RC 2 M$ avec vous comme additional insured avant chaque contrat. Votre police doit inclure la RC subsidiaire des sous-traitants.\"}}, {\"@type\": \"Question\", \"name\": \"Les nacelles \u00e9l\u00e9vatrices et \u00e9chafaudages sont-ils couverts ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, via l'assurance \u00e9quipement. Les <\/strong><strong>nacelles motoris\u00e9es (Genie, Skyjack) n\u00e9cessitent une couverture v\u00e9hicule commercial distincte lorsqu'elles circulent sur la voie publique. Les \u00e9chafaudages fixes sont couverts comme \u00e9quipement d'entreprise.\"}}, {\"@type\": \"Question\", \"name\": \"Un client refuse de payer et me r\u00e9clame pour travaux non conformes \u2014 que faire ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Un <\/strong><strong>litige contractuel n'est pas couvert par votre RC. Une protection juridique d'entreprise (co\u00fbt 400 $ \u00e0 800 $\/an) couvre les frais d'avocats pour ce type de diff\u00e9rend. Votre courtier peut l'ajouter \u00e0 votre police.\"}}, {\"@type\": \"Question\", \"name\": \"Puis-je travailler sur des toitures commerciales de plus de 15 m ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, si votre police mentionne les <\/strong><strong>travaux \u00e0 plus de 15 m de hauteur. Cet ajout augmente la prime de 10 \u00e0 20 %. Sans cette mention, un sinistre sur un \u00e9difice de 5 \u00e9tages ou plus pourrait \u00eatre exclu.\"}}]}\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 entreprise de toiture\", \"item\": \"https:\/\/www.assur360.ca\/assurance-entreprise-de-toiture\/\"}]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>ROOFING COMPANY Insurance for roofing companies in Quebec Shingles, metal, EPDM\/TPO membranes, hot bituminous roofs: each type of roof has its risks. 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