{"id":21205,"date":"2025-08-19T14:48:51","date_gmt":"2025-08-19T18:48:51","guid":{"rendered":"https:\/\/www.assur360.ca\/?page_id=21205"},"modified":"2026-06-26T01:56:21","modified_gmt":"2026-06-26T05:56:21","slug":"general-contractors-liability-insurance-quote","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/general-contractors-liability-insurance-quote\/","title":{"rendered":"General Contractors&#8217; Liability Insurance: Quote"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Are you a general contractor in Quebec? Managing a construction or renovation project exposes you to some of the most complex risks in the business industry. Worker injuries, damage to client property, construction defects, contract disputes \u2014 each project represents a significant financial liability. Assur360&#8217;s AMF-certified brokers help you build a solid insurance program, adapted to the size and type of your worksites.   <\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">sommaire interactif<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #5b5b5b;color:#5b5b5b\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #5b5b5b;color:#5b5b5b\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/general-contractors-liability-insurance-quote\/#Insurance-for-general-contractors-in-Quebec\" >Insurance for general contractors in Quebec<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/general-contractors-liability-insurance-quote\/#Risks-specific-to-the-general-contractor\" >Risks specific to the general contractor<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/general-contractors-liability-insurance-quote\/#Essential-Coverage-for-General-Contractors\" >Essential Coverage for General Contractors<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/general-contractors-liability-insurance-quote\/#How-much-does-general-contractor-insurance-cost\" >How much does general contractor insurance cost?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/general-contractors-liability-insurance-quote\/#FAQ-%E2%80%94-General-contractor-insurance-Quebec\" >FAQ \u2014 General contractor insurance Quebec<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Insurance-for-general-contractors-in-Quebec\"><\/span>Insurance for general contractors in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2><p class=\"wp-block-paragraph\">The general contractor is at the heart of the chain of responsibility in construction: you coordinate subcontractors, manage materials, supervise the site and deliver a building that complies with plans and specifications. In the event of a claim, the customer often turns to you first, whether it&#8217;s an injury on the construction site, a construction defect or a costly delay. General contractor insurance is more complex than that of a single trade, as it must cover all the activities and stakeholders you coordinate.  <\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Risks-specific-to-the-general-contractor\"><\/span>Risks specific to the general contractor<span class=\"ez-toc-section-end\"><\/span><\/h2><p class=\"wp-block-paragraph\"><strong>Injuries on site<\/strong> are the most serious risk: your employees, subcontractors and even visitors to the site can be injured, and you can be held liable as a project manager. The <strong>CNESST<\/strong> requires that all workers be adequately covered \u2014 failure to do so can result in significant fines. <strong>Damage to the client&#8217;s property<\/strong> occurs during the work: furniture damaged during an inhabited renovation, water damage in adjacent structures, contamination of neighbouring premises. <strong>Construction defects<\/strong> (latent defects, non-compliance with the Building Code) can generate costly litigation long after the project has been delivered. <strong>Theft on construction sites<\/strong> \u2014 materials, tools, equipment \u2014 represents significant losses, particularly on large construction sites.    <\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Essential-Coverage-for-General-Contractors\"><\/span>Essential Coverage for General Contractors<span class=\"ez-toc-section-end\"><\/span><\/h2><p class=\"wp-block-paragraph\">A general contractor insurance program must be built on several pillars. <strong>Operating liability<\/strong> (minimum $5 million for commercial projects) covers bodily injury and property damage caused to third parties. Builders risk <strong>insurance<\/strong> protects work-in-progress, on-site materials and temporary structures against fire, theft, vandalism and water damage. <strong>Completed RC<\/strong> protects against claims for construction defects after delivery. <strong>Performance bonds<\/strong> are often required by public clients (municipalities, government) \u2014 Assur360 can help you obtain this protection in addition to your insurance. Finally, if you have salaried teams, <strong>employer liability insurance<\/strong> complements your CNESST coverage.     <\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-much-does-general-contractor-insurance-cost\"><\/span>How much does general contractor insurance cost?<span class=\"ez-toc-section-end\"><\/span><\/h2><p class=\"wp-block-paragraph\">General contractor insurance is among the most expensive in the construction trades, due to the complexity and breadth of risk. The annual cost generally varies between <strong>$8,000 and $35,000 per year<\/strong>, depending on your annual construction volume, the type of projects (residential, commercial, institutional), the number of direct employees and your claims history. A residential general contractor with a volume of $2 million to $3 million per year will pay between $8,000 and $15,000. An entrepreneur active in commercial and institutional with a higher volume will have to budget between $20,000 and $35,000. Working with an AMF broker specializing in construction allows you to structure the program as efficiently as possible.    <\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQ-%E2%80%94-General-contractor-insurance-Quebec\"><\/span>FAQ \u2014 General contractor insurance Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2><details class=\"is-layout-flow wp-block-details-is-layout-flow\"><summary>Is RC mandatory for general contractors?<\/summary><p>RC is not a universal legal requirement, but it is required by the R\u00e9gie du b\u00e2timent du Qu\u00e9bec (RBQ) for certain categories of work, and practically all commercial or institutional construction contracts include a minimum RC requirement. For public contracts, coverage of at least $2 million is generally required, and often more. In practice, no serious contractor can operate without RC.<\/p><\/details><details class=\"is-layout-flow wp-block-details-is-layout-flow\"><summary>What is a bond and do I need a bond?<\/summary><p>A bond (or performance bond) is a financial guarantee that you can deliver the project according to the contract. It is distinct from insurance but often required as a complement. Public clients (cities, provincial government, educational institutions, hospitals) generally require it for any contract exceeding a certain threshold. Assur360 can help you obtain both your insurance and your bond from the right partners.<\/p><\/details><details class=\"is-layout-flow wp-block-details-is-layout-flow\"><summary>What is the average cost of general contractor insurance?<\/summary><p>Expect between $8,000 and $35,000 per year depending on your construction volume and the type of projects. A residential contractor with a volume of $1 million to $2 million will generally pay between $8,000 and $12,000. For large commercial projects, the annual insurance budget often exceeds $20,000. These amounts reflect comprehensive protections including RC, all-risk construction and completed RC.<\/p><\/details><details class=\"is-layout-flow wp-block-details-is-layout-flow\"><summary>How do I get a general contractor insurance quote?<\/summary><p>With Assur360, our AMF-certified brokers specializing in construction compare several insurers for you. You describe your business and your types of projects, and you receive a personalized quote. Free and no-obligation quote in 3 minutes.<\/p><\/details>\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n<h3 class=\"wp-block-heading\">Helpful Resources<\/h3>\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\">Business Insurance in Quebec \u2014 Overview<\/a><\/li>\n<li><a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/plumbing-business-insurance-get-a-quote\/\">Plumbing Insurance<\/a><\/li>\n<li><a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/roofers-liability-insurance-compare\/\">Roofer&#8217;s liability insurance<\/a><\/li>\n<li><a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assurances\/\" rel=\"nofollow noopener\" target=\"_blank\">AMF \u2014 Commercial Insurance in Quebec<\/a><\/li>\n<li><a href=\"https:\/\/www.rbq.gouv.qc.ca\" rel=\"nofollow noopener\" target=\"_blank\">RBQ \u2014 R\u00e9gie du b\u00e2timent du Qu\u00e9bec<\/a><\/li>\n<\/ul>\n<p class=\"wp-block-paragraph\"><strong>Protect your jobsites and your business now.<\/strong> <a href=\"https:\/\/www.assur360.ca\/en\/soumission-rapide-entreprise-3\/\">Free quote\u2192<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Are you a general contractor in Quebec? Managing a construction or renovation project exposes you to some of the most complex risks [&hellip;]<\/p>\n","protected":false},"author":44,"featured_media":45244,"parent":15787,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"General Contractor Liability Insurance Quebec 2026","_seopress_titles_desc":"Protect your construction sites in Quebec: $5M operating liability, all-risk construction site, surety bond. Certified AMF broker. Free quote in 3 min.  ","_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":"General Contractors' Liability Insurance: Quote","_seopress_social_fb_desc":"Compare general contractor insurance. 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