{"id":19867,"date":"2025-05-10T12:14:47","date_gmt":"2025-05-10T16:14:47","guid":{"rendered":"https:\/\/www.assur360.ca\/business-insurance-3-minute-quote\/mine-and-quarry-insurance-get-a-quick-quote\/"},"modified":"2026-06-26T02:35:12","modified_gmt":"2026-06-26T06:35:12","slug":"mine-and-quarry-insurance-get-a-quick-quote","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/mine-and-quarry-insurance-get-a-quick-quote\/","title":{"rendered":"Quebec Mine and Quarry Insurance 2026 \u2014 AMF Submission"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Mining and quarrying are among the riskiest industrial sectors in Quebec. Explosives, collapses, heavy equipment (excavator, crusher, drill), groundwater pollution and high CNESST contributions require customized business insurance. At <strong>Assur360<\/strong>, our <strong>AMF-certified brokers<\/strong> compare more than 9 insurers specializing in protecting your mining or quarrying operation \u2014 in <strong>Abitibi-T\u00e9miscamingue<\/strong>, <strong>C\u00f4te-Nord<\/strong>, <strong>Saguenay-Lac-Saint-Jean<\/strong> and throughout Quebec.  <\/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-mine-carriere.jpg\" alt=\"Mining and quarrying \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=\"Mine-and-quarry-insurance\"><\/span>Mine and quarry insurance<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 mining industry (gold, iron, copper, aggregates) accumulates risks: <strong>heavy equipment, explosives, environmental liability, mining accidents, transport of materials<\/strong>. Specialized coverages required through Lloyd&#8217;s Markets. <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Compliance:<\/strong> Strict CNESST (ATEX equipment, mine plans, continuing education), MELCC for discharges, and bonded closure\/restoration plan. Any non-compliance exposes you to refusal of coverage. <\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">MINING BUSINESS INSURANCE<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Complete-coverage-for-mines-and-quarries-in-Quebec\"><\/span>Complete coverage for mines and quarries in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Civil liability pollution, heavy equipment, machinery breakdown, environment. Free quote in minutes with a specialized mining broker. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Get My Quote<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">1-866-357-4451<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\">\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">9+<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Insurers Compared<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">$5M+<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Available RC Limits<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">< 24 hours<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Submission received<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">100 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">AMF and independent<\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-a-specific-insurance-for-mines-and-quarries\"><\/span>Why a specific insurance for mines and quarries?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Generic commercial insurance <strong>excludes<\/strong> most of the risks associated with extraction. Explosives, underground operations, mineral dust, acid mine drainage: without dedicated policing, you&#8217;re exposed to catastrophic uncovered losses. <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\u26cf\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Unique extraction risks<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Collapses, landslides, underground mine top-downs, instability of walls in quarries: high-severity losses that a standard commercial policy does not cover.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udca5<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Handling explosives<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">The storage and use of dynamite, ANFO or emulsions require a specific liability insurance with <strong>an endorsement for explosives and blasting<\/strong> \u2014 almost always excluded from general policies.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udf0a<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Environmental responsibility<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Acid mine drainage, groundwater contamination, dust: a <strong>pollution liability (<\/strong> CGL Pollution) is essential to comply with <em>the Environment Quality Act<\/em>.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfd7\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Valuable Heavy Equipment<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Excavators, crushers, haul trucks, drills, conveyors: each piece is often worth more than $500,000. Machinery and mobile equipment breakdown insurance is essential. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\u2695\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">CNESST High Rate<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">The mining sector has some of the highest CNESST rates in Quebec. <strong>Supplementary occupational accident<\/strong> insurance and employer liability insurance protect your company from lawsuits. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcc9<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Business interruption<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">A production stoppage (crusher breakdown, shop fire, suspension permitted) can cost tens of thousands per day. <strong>Business interruption insurance<\/strong> maintains your income. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Essential-Coverage-for-Mines-and-Quarries\"><\/span>Essential Coverage for Mines and Quarries<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udee1\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">General Liability<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Injury to third parties, property damage caused by your operations \u2014 recommended minimum <strong>$5 million<\/strong>, often $10 million for operators.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfed<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Commercial Properties<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Buildings (concentrator, workshop, garage), processing plant, fuel tanks, electrical installations \u2014 replacement cost.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\ude9c<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Mobile Equipment Fleet<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Off-road trucks, loaders, bulldozers, light vehicles, trailers: all-risk coverage with an agreed value.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udf0d<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Environmental pollution liability<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Spills, acid drainage, soil and water contamination. Mandatory in most restoration plans required by the MELCCFP. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udca3<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Explosive and Blasting Endorsement<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Specific protection for the storage, transport and use of explosives in accordance with the <em>Explosives Act<\/em>.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\u2699\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Machinery breakdown<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Crushers, shredders, engines, compressors, hydraulic systems: repair and resulting operating losses.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-get-your-quote-in-minutes\"><\/span>How to get your quote in minutes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\">\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">1<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Describe your operation<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Type of mineral (gold, iron, copper, crushed stone, sand, gravel), extraction method (open pit or underground), number of employees, location of the site.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">2<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Asset inventory<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">List heavy equipment with replacement values, buildings, off-road vehicles, explosives stock. Attach MELCCFP permits and restoration plans if applicable. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">3<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Claims history<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">The last 5 years: CNESST incidents, spills, equipment breakdowns. The cleaner your file, the better your rate will be. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">4<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Comparison 9+ insurers<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Our AMF broker trades with specialized mining risk markets (Lloyd&#8217;s, Liberty Mutual, Intact, Chubb, Travelers). You receive 3 to 5 proposals. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">5<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Election and Implementation<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Electronic signature, immediate attestation, support for environmental compliance and CNESST.<\/p><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\ud83d\udca1<\/div>\n  <div>\n    <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">Broker Advice \u2014 Restoration Program<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">If your mining lease requires a financial guarantee for reclamation (MELCCFP), ask your broker for a <strong style=\"color:#ffffff;\">surety<\/strong> bond rather than a letter of credit from the bank: you release your line of credit for operations.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Indicative-rates-2026-%E2%80%94-Mine-and-quarry-insurance\"><\/span>Indicative rates 2026 \u2014 Mine and quarry insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead><tr style=\"background:#0d1f2d;color:#ffffff;\"><th style=\"padding:14px 16px;text-align:left;border:none;\">Type of operation Indicative<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">annual premium<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">RC limit<\/th><\/tr><\/thead>\n    <tbody><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Crushed stone quarry (10 employees)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$8,000 \u2014 $18,0002<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">\u2014 $5M<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Medium sandpit\/gravel pit<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$6,000 \u2014 $14,0002<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">\u2014 $5M<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Open pit (metals)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$35,000 \u2014 $120,0005<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">\u2014 $25M<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Underground Mine (Exploration)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$25,000 \u2014 $80,0005<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">\u2014 $15M<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Producing Mine (100+ employees)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$80,000 \u2014 $350,000+<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">10 \u2014 $50M<\/td><\/tr><\/tbody>\n  <\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*Indicative rates 2026. <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\">Get your exact price in minutes<\/a>.<\/p>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\u26a0\ufe0f<\/div>\n  <div>\n    <p style=\"color:#991b1b;font-weight:700;font-size:16px;margin:0 0 8px;\">Catastrophic risks not to be underestimated<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0;line-height:1.6;\">A <strong>wall collapse<\/strong>, a <strong>treatment plant fire<\/strong>, a <strong>tailings dam failure<\/strong> or a <strong>major spill<\/strong> can easily exceed $10 million in direct and indirect damages. The Mount Polley case (B.C., 2014) cost more than $500 million. Never skimp on pollution liability limits or extended business interruption insurance.  <\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">SPECIALIZED MINING BROKERS<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Your operation deserves a real risk analysis<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Our AMF brokers are familiar with the requirements of the MELCCFP, CNESST and Lloyd&#8217;s markets. Free analysis of your current policy. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Talk to an insurance broker<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">1-866-357-4451<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Types-of-operations-we-insure\"><\/span>Types of operations we insure<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83e\udea8<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Stone quarries<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Granite, limestone, dolomite, marble. Open-pit mining with blasting and crushing. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfd6\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Sand and gravel pits<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Operation of unfurnished deposits, sieving, washing, transport.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83e\udd47<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Precious metal mines<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Gold, silver \u2014 exploration, development, production (Abitibi and Nord-du-Qu\u00e9bec).<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udd29<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Base metal mines<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Iron, copper, zinc, nickel \u2014 open or underground.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udc8e<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Diamond and lithium mining<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Northern Projects, Batteries, Critical Metals (James Bay).<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\u26cf\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Junior Mineral Exploration<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Drilling, trenches, temporary camps, mobile teams.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Coverage-throughout-Quebec\"><\/span>Coverage throughout Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:16px;line-height:1.8;color:#334155;\">Assur360 supports mining and quarrying companies in all regions of Quebec. We know the particularities of each region: <strong>Abitibi-T\u00e9miscamingue<\/strong> (Val-d&#8217;Or, Rouyn-Noranda, Malartic \u2014 gold belt), <strong>C\u00f4te-Nord<\/strong> (Sept-\u00celes, Fermont, Port-Cartier \u2014 iron and ore), <strong>Saguenay-Lac-Saint-Jean<\/strong> (Chibougamau, Chapais \u2014 base metals), <strong>Nord-du-Qu\u00e9bec<\/strong> (James Bay, Nunavik \u2014 lithium, diamond, iron), <strong>Mauricie<\/strong>, <strong>Estrie<\/strong> (granite, limestone), <strong>Outaouais<\/strong> and <strong>Capitale-Nationale<\/strong> for quarries. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-Articles-and-Products\"><\/span>Related Articles and Products<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/logging-insurance-get-a-quote\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Logging Insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Harvester, skidder, fire risk, BFEC.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-entreprise\/assurance-construction-commerciale\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Commercial Construction Insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Civil liability, surety bonds, equipment and construction sites.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Quebec Business Insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Overview of SMB and industrial coverage.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-responsabilite-civile-commerciale\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Commercial General Liability<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">RCA 2 to $10 million, specialized endorsements.<\/p>\n  <\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><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=\"margin:32px 0;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What is the mandatory insurance for a mine or quarry in Quebec?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No insurance is strictly legally mandatory, but the <em>Mining and Mining Leases Act<\/em> requires a financial guarantee for restoration. In fact, the CNESST (mandatory contribution), the pollution liability to obtain your MELCCFP permit and the general liability are essential. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Why do standard commercial policies refuse the mining sector?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The frequency and severity of mining losses, explosives handling and environmental risks are beyond the capacity of general insurers. Our brokers access specialized markets (Lloyd&#8217;s of London, Liberty Specialty Markets, Chubb Mining, Intact Enterprise). <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How much does it cost to insure a small quarry in Quebec?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">For a sand pit or crushed stone quarry with fewer than 10 employees, count between $6,000 and $18,000 per year for the basic policy (RC $2 to $5 million, property, mobile equipment). High limits and pollution liability add 30 to 50%. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Does the insurance cover MELCCFP fines?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No. Regulatory fines are never covered (principle of public order). However, pollution liability covers defence costs, environmental studies, remediation and third-party claims arising from an incident. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What is a Mine Reclamation Bond?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">It is a <em>surety bond<\/em> issued by an insurer that guarantees the government that the restoration work on the site will be carried out. It replaces the traditional bank letter of credit, freeing up your line of credit. Assur360 negotiates these guarantees with specialized issuers.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Are explosives automatically covered?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No \u2014 almost all policies exclude the storage and use of explosives. A <strong>separately purchased Blasting and Explosives Endorsement<\/strong> with strict requirements for compliance with the <em>Explosives Act<\/em> (ERD licence, certified depots) is required. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How can I reduce my mine insurance premium?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Documented CNESST safety programs, ISO 14001 (environmental) and 45001 (OHS) certifications, geotechnical monitoring of the walls, tested emergency plans, 5-year claim-free history: these factors can reduce your premium by 15 to 30%.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Does Assur360 cover junior exploration?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes. For exploration companies, we offer modular policies covering drilling crews, temporary camps, mobile equipment and visitor\/investor liability. Typical premium of $3,000 to $15,000 depending on the field program. <\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"What is the mandatory insurance for a mine or quarry in Quebec?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"No insurance is legally mandatory in the strict sense, but the Mining Act and mining leases require financial assurance for restoration. 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Assur360 negotiates these bonds with specialized issuers.\"}}, {\"@type\": \"Question\", \"name\": \"Are explosives automatically covered?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"No \u2014 almost all policies exclude the storage and use of explosives. A separate endorsement for blasting and explosives must be purchased, with strict compliance requirements under the Explosives Act (ERD permit, certified deposits).\"}}, {\"@type\": \"Question\", \"name\": \"How can I reduce my mining insurance premium?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Documented CNESST safety programs, ISO 14001 (environment) and 45001 (OHS) certifications, geotechnical monitoring of walls, tested emergency plans, and a 5-year claims-free history: these factors can reduce your premium by 15% to 30%.\"}}, {\"@type\": \"Question\", \"name\": \"Does Assur360 cover junior exploration?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes. For exploration companies, we offer modular policies covering drilling teams, temporary camps, mobile equipment, and liability for visitors\/investors. Typical premium ranges from $3,000 to $15,000 depending on the field program.\"}}]}<\/script>\n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:12px;\">\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>AMF<\/strong> certified firm<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>Chamber of Insurance<\/strong> Member<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>100,000+<\/strong> submissions processed<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>13 partner firms<\/strong> in Quebec<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>Independent<\/strong> brokers<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">Free and <strong> non-binding quote<\/strong><\/span><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">FREE QUOTE<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Get your mine and quarry price in minutes<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Specialized brokers, 9+ insurers compared, MELCCFP and CNESST support.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Request a quote<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">1-866-357-4451<\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"InsuranceAgency\", \"name\": \"Assur360\", \"url\": \"https:\/\/www.assur360.ca\/assurance-entreprise\/assurance-mine-et-carriere\/\", \"logo\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2023\/11\/logo-assur360.png\", \"telephone\": \"+1-866-357-4451\", \"email\": \"info@assur360.ca\", \"address\": {\"@type\": \"PostalAddress\", \"streetAddress\": \"1000 rue Notre-Dame Est\", \"addressLocality\": \"Thetford Mines\", \"addressRegion\": \"QC\", \"postalCode\": \"G6G 2T1\", \"addressCountry\": \"CA\"}, \"areaServed\": \"Quebec\", \"priceRange\": \"$$\", \"serviceType\": \"Mine and quarry insurance \u2014 pollution liability, heavy equipment, machinery breakdown, restoration bond\", \"description\": \"Mine and quarry insurance in Quebec. AMF brokers, 9+ insurers compared. Pollution liability, heavy equipment, CNESST. Quote in minutes.\"}<\/script>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"BreadcrumbList\", \"itemListElement\": [{\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Home\", \"item\": \"https:\/\/www.assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Business Insurance\", \"item\": \"https:\/\/www.assur360.ca\/assurance-entreprise\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Mine and Quarry Insurance\", \"item\": \"https:\/\/www.assur360.ca\/assurance-entreprise\/assurance-mine-et-carriere\/\"}]}<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Mining and quarrying are among the riskiest industrial sectors in Quebec. Explosives, collapses, heavy equipment (excavator, crusher, drill), groundwater pollution and high [&hellip;]<\/p>\n","protected":false},"author":44,"featured_media":26931,"parent":15787,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Mine and Quarry Insurance Quebec 2026: Prices and Coverage","_seopress_titles_desc":"Mine and quarry insurance in Quebec. AMF brokers, 30+ insurers compared. Pollution liability, heavy equipment, CNESST. Quote in minutes.   ","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"Mine and Quarry Insurance: Get a Quick Quote","_seopress_social_fb_desc":"Compare mining and quarry insurance in Quebec. 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