{"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":"2026-09-02T12:38:55","modified_gmt":"2026-09-02T16:38:55","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 class=\"wp-block-paragraph\">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>. The brokers of our partner firms 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=\"https:\/\/www.assur360.ca\/en\/construction-insurance-3\/\" 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;\">Insurance Chamber<\/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;\">The brokers of our AMF-certified partner firms 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<\/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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