{"id":21215,"date":"2025-08-18T14:41:44","date_gmt":"2025-08-18T18:41:44","guid":{"rendered":"https:\/\/www.assur360.ca\/?page_id=21215"},"modified":"2026-04-20T15:15:42","modified_gmt":"2026-04-20T19:15:42","slug":"roofers-liability-insurance-compare","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/roofers-liability-insurance-compare\/","title":{"rendered":"Roofer&#8217;s Liability Insurance: Compare"},"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 RC couvreur\", \"description\": \"Assurance responsabilit\u00e9 civile pour couvreur au Qu\u00e9bec : RC exploitation, RC compl\u00e9t\u00e9e, \u00e9quipements, RBQ. D\u00e8s 1 800 $\/an. Soumission gratuite.\", \"url\": \"https:\/\/www.assur360.ca\/assurance-responsabilite-civile-couvreur\/\", \"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;\">ROOFERS &#038; ROOFING<\/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=\"Liability-insurance-for-roofers\"><\/span>Liability insurance for roofers<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;\">Residential, commercial or industrial roofing: protect your business with <strong>an operating liability + completed work liability + tool coverage<\/strong> that complies with the requirements of the RBQ.<\/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 $1,800<\/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;\">RBQ<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Compliant<\/div>\n  <\/div>\n<div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">AMF<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Certified brokers<\/div>\n  <\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\">Roofers are among <strong>the contractors with the highest loss rate<\/strong> in Quebec: falls, water damage during work, blowtorch fires, damage to neighbouring properties, customer complaints for leaks after work. The <strong>R\u00e9gie du b\u00e2timent du Qu\u00e9bec (RBQ)<\/strong> requires proof of civil liability insurance of at least $2 million to obtain and maintain a roofer&#8217;s licence. Our brokers work with specialized insurers who accept roofing risks, including hot roofing and membrane roofing.  <\/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\/rc-couvreur-toiture-1.jpg\" alt=\"Roof roofer \u2014 Assur360 contractor\" 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=\"Liability-for-roofing-contractors\"><\/span>Liability for roofing contractors<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\">Roofers are among <strong>the most at-risk professions in insurance<\/strong> : falls, structural damage, post-installation water infiltration, loss of equipment by the wind. General liability must reach a minimum <strong>of $2 to $5 million<\/strong> . <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>RBQ compliance:<\/strong> valid RBQ license, CNESST prevention program at height, and own claims history are required by insurers. A suspended license cancels coverage instantly. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-does-roofer-liability-insurance-cover\"><\/span>What does roofer liability insurance cover<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 a third party or damage to the property of others during the work. Usual limit: $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;\">RC work completed<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Claims that arise after the end of the work: roof leakage, infiltration, defect in workmanship.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Equipment and tools<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Cranes, scaffolding, nailing hammers, torches, commercial vehicles, trailers.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Transported goods<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Materials on site or in transit: shingles, membranes, insulation, equipment.<\/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;\">Torch fire<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Specific coverage for hot work (bituminous membrane) \u2014 required by most insurers.<\/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;\">Incorrect load calculation, error in evaluating a roof to be redone, inadequate choice of materials.<\/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> (bituminous roof with a blowtorch) requires a <strong>specific declaration<\/strong> to the insurer and, often, compliance with the <strong>NFPA 51B code<\/strong> (hot work permit, fire round 30 to 60 minutes after the work). A fire caused without following these procedures can be ruled out \u2014 even if the operating liability is in effect. Document each round of fire to protect your cover.  <\/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;\">What RC limit does the RBQ require for a roofer?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">The RBQ requires a <strong>minimum of $2 million in operating liability<\/strong> to maintain a roofer&#8217;s licence. Many contractors (general builders, home insurers who require repairs) are asking for $5 million. A limit of $10 million is possible for large commercial contracts.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">How much does roofing company insurance cost in Quebec?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">For a company of 2 to 6 roofers with a turnover of $500,000 to $1.5 million: between $1,800 and $6,500 per year for a liability of $2 million. Hot roofing or work at height (>15 m) increases the premium by 25 to 50%. <\/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 for falls?<\/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 commercial insurance. Your civil liability covers injuries to <strong>third parties<\/strong> (customer, neighbour, passer-by). Make sure you have an up-to-date CNESST file and compliant fall protection 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;\">Are leaks after the end of the work covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, via the <strong>civil liability guarantee for completed work<\/strong> (also known as &#8220;products and completed operations&#8221;). Please note: non-accidental <strong>defects in workmanship<\/strong> (poor installation, inadequate materials knowingly used) can be excluded. An E&#038;O (errors and omissions) policy completes the coverage.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">A customer refuses to pay on the grounds of a default \u2014 what does the insurance cover?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Civil liability insurance does not cover <strong>contractual disputes<\/strong> or claims to <strong>reimburse work<\/strong>. It only covers physical damage caused by your negligence. An E&#038;O endorsement or legal protection is required for contractual disputes.  <\/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 construction truck and equipment covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Your fleet requires separate <strong>commercial auto insurance<\/strong> . Fixed equipment (scaffolding, nailers, compressors) is covered by the company&#8217;s property insurance. <strong>Mobile equipment of value<\/strong> (over $5,000\/unit) must be listed individually.  <\/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;\">What to do in the event of a fire caused by a blowtorch on a construction site?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\"><strong>Notify the firefighters immediately<\/strong>, secure the scene, preserve the evidence (hot work permit, fire patrol log). Contact your broker within 24 hours. An investigator will be appointed. Fires where the fire patrol has not been carried out may 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;\">Are all work at height or on sloping roofs covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, if your RBQ licence and policy mention these activities. <strong>Flat roofs over 15 m high<\/strong>, <strong>roofs of public buildings<\/strong> and <strong>work with a cherry picker<\/strong> may require specific amendments. Declare them when you take out the 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;\">Am I covered if I subcontract part of the site?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">You remain <strong>responsible to your customer<\/strong> even if you are a subcontractor. Your policy must include <strong>subcontractors&#8217; collateral liability<\/strong> and you must require subcontractors to provide proof of $2 million in liability insurance with you as <strong>an additional insured<\/strong>. <\/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>. From residential renovations in Saint-Hubert to commercial roofs in Laval, our brokers know the requirements of the RBQ, municipalities and builders. We cover specialized roofers: asphalt shingles, metal, tiles, EPDM\/TPO\/bituminous membranes.  <\/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-entreprise-de-toiture\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Roofing company insurance<\/div>\n  <\/a>\n<a href=\"\/responsabilite-civile-entrepreneur-general\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">General contractor liability<\/div>\n  <\/a>\n<a href=\"\/assurance-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 contractor insurance<\/div>\n  <\/a>\n<\/div>\n\n<h3 class=\"wp-block-heading\">Official references<\/h3>\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.rbq.gouv.qc.ca\" rel=\"nofollow noopener\" target=\"_blank\">R\u00e9gie du b\u00e2timent du Qu\u00e9bec (RBQ)<\/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>\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><\/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\": \"Quelle limite de RC la RBQ exige-t-elle pour un couvreur ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"La RBQ exige une <strong>RC exploitation de 2 M$ minimum pour maintenir une licence de couvreur. De nombreux donneurs d'ordres (constructeurs g\u00e9n\u00e9raux, assureurs habitation qui exigent une r\u00e9fection) demandent 5 M$. Une limite de 10 M$ est possible pour les contrats commerciaux importants.\"}}, {\"@type\": \"Question\", \"name\": \"Combien co\u00fbte une assurance pour entreprise de toiture au Qu\u00e9bec ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Pour une entreprise de 2 \u00e0 6 couvreurs avec un CA de 500 000 $ \u00e0 1,5 M$ : entre 1 800 $ et 6 500 $ par ann\u00e9e pour une RC de 2 M$. La toiture \u00e0 chaud ou les travaux en hauteur (>15 m) augmentent la prime de 25 \u00e0 50 %.\"}}, {\"@type\": \"Question\", \"name\": \"Mes employ\u00e9s sont-ils couverts pour les chutes ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Les blessures aux employ\u00e9s rel\u00e8vent de la <\/strong><strong>CNESST, pas de votre assurance commerciale. Votre RC couvre les blessures aux <\/strong><strong>tiers (client, voisin, passant). Assurez-vous d'avoir un dossier CNESST \u00e0 jour et les \u00e9quipements de protection contre les chutes conformes.\"}}, {\"@type\": \"Question\", \"name\": \"Les fuites apr\u00e8s la fin des travaux sont-elles couvertes ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, via la <\/strong><strong>garantie RC travaux compl\u00e9t\u00e9s (aussi appel\u00e9e \u00ab products and completed operations \u00bb). Attention : les <\/strong><strong>vices d'ex\u00e9cution non-accidentels (mauvaise installation, mat\u00e9riaux inad\u00e9quats utilis\u00e9s sciemment) peuvent \u00eatre exclus. 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Les <\/strong><strong>\u00e9quipements mobiles de valeur (plus de 5 000 $\/unit\u00e9) doivent \u00eatre list\u00e9s individuellement.\"}}, {\"@type\": \"Question\", \"name\": \"Que faire en cas d'incendie caus\u00e9 par un chalumeau sur un chantier ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"<\/strong><strong>Avisez les pompiers imm\u00e9diatement, s\u00e9curisez la sc\u00e8ne, pr\u00e9servez les preuves (permis de travail \u00e0 chaud, registre de ronde de feu). Contactez votre courtier dans les 24 h. Un enqu\u00eateur sera mandat\u00e9. Les incendies o\u00f9 la ronde de feu n'a pas \u00e9t\u00e9 effectu\u00e9e peuvent \u00eatre exclus.\"}}, {\"@type\": \"Question\", \"name\": \"Les travaux en hauteur ou sur toits inclin\u00e9s sont-ils tous couverts ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, si votre licence RBQ et votre police mentionnent ces activit\u00e9s. Les <\/strong><strong>toits plats \u00e0 plus de 15 m de hauteur, les <\/strong><strong>toits d'\u00e9difices publics et les <\/strong><strong>travaux avec nacelle peuvent n\u00e9cessiter des avenants sp\u00e9cifiques. D\u00e9clarez-les \u00e0 la souscription.\"}}, {\"@type\": \"Question\", \"name\": \"Suis-je couvert si je sous-traite une partie du chantier ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Vous restez <\/strong><strong>responsable envers votre client m\u00eame en sous-traitance. Votre police doit inclure la <\/strong><strong>RC subsidiaire des sous-traitants et vous devez exiger des sous-traitants une preuve d'assurance RC de 2 M$ avec vous comme <\/strong><strong>additional insured.\"}}]}\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 RC couvreur\", \"item\": \"https:\/\/www.assur360.ca\/assurance-responsabilite-civile-couvreur\/\"}]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>ROOFERS &#038; ROOFING Liability insurance for roofers Residential, commercial or industrial roofing: protect your business with an operating liability + completed work [&hellip;]<\/p>\n","protected":false},"author":44,"featured_media":45246,"parent":15787,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Roofing liability insurance Quebec 2026 | Roofing company price","_seopress_titles_desc":"Civil liability insurance for roofers in Quebec: operating liability, completed liability, equipment, RBQ. 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