{"id":70293,"date":"2026-05-26T16:03:24","date_gmt":"2026-05-26T20:03:24","guid":{"rendered":"https:\/\/www.assur360.ca\/business-insurance-3-minute-quote\/patio-and-terrace-construction-company-insurance-in-quebec-quick-quote\/"},"modified":"2026-05-26T16:31:09","modified_gmt":"2026-05-26T20:31:09","slug":"patio-and-terrace-construction-company-insurance-in-quebec-quick-quote","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/patio-and-terrace-construction-company-insurance-in-quebec-quick-quote\/","title":{"rendered":"Patio and terrace construction company insurance in Quebec: quick quote"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<h1 style=\"font-family:'Sora',sans-serif;font-size:clamp(28px,4vw,38px);font-weight:800;line-height:1.2;color:#0d1f2d;margin:32px 0 24px;\"><span class=\"ez-toc-section\" id=\"Patio-and-Deck-Construction-Company-Insurance-in-Quebec\"><\/span>Patio and Deck Construction Company Insurance in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"InsuranceAgency\", \"name\": \"Assur360\", \"url\": \"https:\/\/www.assur360.ca\/assurance-entreprise\/assurance-construction-patios\/\", \"logo\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/07\/logo-assur360.png\", \"telephone\": \"+1-866-357-4451\", \"address\": {\"@type\": \"PostalAddress\", \"addressLocality\": \"Thetford Mines\", \"addressRegion\": \"QC\", \"addressCountry\": \"CA\"}, \"areaServed\": {\"@type\": \"AdministrativeArea\", \"name\": \"Qu\u00e9bec\"}, \"serviceType\": \"Assurance entreprise de construction de patios et terrasses\"}<\/script><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"BreadcrumbList\", \"itemListElement\": [{\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Accueil\", \"item\": \"https:\/\/www.assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Assurance entreprise\", \"item\": \"https:\/\/www.assur360.ca\/assurance-entreprise\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Assurance entreprise de construction de patios et terrasses\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Suis-je responsable si un patio que j'ai construit s'effondre des ann\u00e9es plus tard ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, votre responsabilit\u00e9 peut \u00eatre engag\u00e9e pour un vice de construction m\u00eame apr\u00e8s la fin du contrat. La garantie responsabilit\u00e9 civile des travaux compl\u00e9t\u00e9s vise pr\u00e9cis\u00e9ment ces r\u00e9clamations tardives.\"}}, {\"@type\": \"Question\", \"name\": \"Ai-je besoin d'une licence RBQ pour construire des patios ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Selon l'ampleur et le rattachement au b\u00e2timent, une licence RBQ peut \u00eatre requise. Vos clients exigeront de toute fa\u00e7on une preuve d'assurance responsabilit\u00e9 avant le d\u00e9but des travaux.\"}}, {\"@type\": \"Question\", \"name\": \"Combien co\u00fbte une assurance pour une entreprise de construction de patios et terrasses au Qu\u00e9bec ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"La prime varie selon votre chiffre d'affaires, le nombre d'employ\u00e9s, vos activit\u00e9s pr\u00e9cises, votre historique de r\u00e9clamations et les limites choisies. \u00c0 titre indicatif, la responsabilit\u00e9 civile d'un petit entrepreneur se situe souvent entre 500 $ et 1 800 $ par ann\u00e9e, mais la prime exacte est \u00e9tablie apr\u00e8s analyse de votre dossier. Comparer plusieurs assureurs demeure le meilleur moyen d'obtenir un prix juste.\"}}, {\"@type\": \"Question\", \"name\": \"Quelles assurances sont n\u00e9cessaires pour un entrepreneur en construction de patios au Qu\u00e9bec ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"La loi n'impose pas la responsabilit\u00e9 civile \u00e0 toutes les entreprises, mais vos clients, les donneurs d'ouvrage et la R\u00e9gie du b\u00e2timent l'exigent presque toujours. Si vous avez des employ\u00e9s, l'inscription \u00e0 la CNESST est obligatoire.\"}}, {\"@type\": \"Question\", \"name\": \"Mon assurance habitation couvre-t-elle mon entreprise si je travaille \u00e0 mon compte ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Non. Une police d'assurance habitation exclut les activit\u00e9s commerciales. Vous avez besoin d'une assurance entreprise distincte pour couvrir votre responsabilit\u00e9, vos outils et votre \u00e9quipement professionnel.\"}}, {\"@type\": \"Question\", \"name\": \"Suis-je couvert si un de mes employ\u00e9s se blesse sur un chantier ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Les l\u00e9sions professionnelles des employ\u00e9s rel\u00e8vent du r\u00e9gime public de la CNESST, auquel vous devez cotiser. Votre assurance entreprise couvre plut\u00f4t votre responsabilit\u00e9 envers les tiers ainsi que vos biens.\"}}, {\"@type\": \"Question\", \"name\": \"Mes outils sont-ils couverts s'ils sont vol\u00e9s dans mon camion ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, avec l'avenant \u00ab outils et \u00e9quipement \u00bb, vos outils sont couverts contre le vol et le bris, y compris hors des lieux et dans votre v\u00e9hicule. V\u00e9rifiez la limite et la franchise applicables.\"}}]}<\/script>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Do you run a <strong>patio and terrace construction company<\/strong> in Quebec? Raised terraces are load-bearing structures: their collapse can seriously injure occupants. Responsibility for the completed work is decisive here. <strong>Assur360<\/strong> is an independent comparator that puts you in touch with <strong>AMF-certified partner firms<\/strong>. The brokers of our partner firms compare more than 9 insurers specializing in commercial insurance to find the right coverage for your business, at the best price and at no cost.   <\/p>\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 2026<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;font-family:'Sora',sans-serif;font-weight:800;\"><span class=\"ez-toc-section\" id=\"Patio-and-deck-construction-company-insurance\"><\/span>Patio and deck construction company insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;font-size:16px;\">Compare 9+ commercial insurers in less than 3 minutes<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#0d1f2d;padding:16px 40px;border-radius:50px;font-weight:700;font-size:16px;text-decoration:none;\">Get my free quote\u2192<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:24px;margin:40px 0;text-align:center;\">\n  <div><div style=\"font-size:36px;font-weight:800;color:#10c4c7;font-family:'Sora',sans-serif;\">9+<\/div><div style=\"color:#64748b;font-size:14px;text-transform:uppercase;letter-spacing:1px;\">Insurers Compared<\/div><\/div>\n  <div><div style=\"font-size:36px;font-weight:800;color:#10c4c7;font-family:'Sora',sans-serif;\">3 min<\/div><div style=\"color:#64748b;font-size:14px;text-transform:uppercase;letter-spacing:1px;\">Online Quote<\/div><\/div>\n  <div><div style=\"font-size:36px;font-weight:800;color:#10c4c7;font-family:'Sora',sans-serif;\">$2M+<\/div><div style=\"color:#64748b;font-size:14px;text-transform:uppercase;letter-spacing:1px;\">Civil liability<\/div><\/div>\n  <div><div style=\"font-size:36px;font-weight:800;color:#10c4c7;font-family:'Sora',sans-serif;\">100 %<\/div><div style=\"color:#64748b;font-size:14px;text-transform:uppercase;letter-spacing:1px;\">Free, no obligation<\/div><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\" style=\"font-family:'Sora',sans-serif;font-size:30px;font-weight:800;color:#0d1f2d;margin:48px 0 24px;\"><span class=\"ez-toc-section\" id=\"Essential-Covers-for-Your-Patio-and-Deck-Construction-Business\"><\/span>Essential Covers for Your Patio and Deck Construction Business<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px;margin:24px 0;\">\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:14px;padding:24px;\">\n    <h3 style=\"font-family:'Sora',sans-serif;font-size:18px;font-weight:700;color:#0d1f2d;margin:0 0 12px;\">Responsibility for structures (terraces)<\/h3>\n    <p style=\"font-size:15px;color:#475569;line-height:1.7;margin:0;\">If a deck or patio collapses after delivery and causes injury, this coverage covers the damage \u2014 a major risk for elevated structures.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:14px;padding:24px;\">\n    <h3 style=\"font-family:'Sora',sans-serif;font-size:18px;font-weight:700;color:#0d1f2d;margin:0 0 12px;\">Materials in the field<\/h3>\n    <p style=\"font-size:15px;color:#475569;line-height:1.7;margin:0;\">Theft or breakage of treated wood, composite, slabs and hardware stored on the customer&#8217;s property prior to installation.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:14px;padding:24px;\">\n    <h3 style=\"font-family:'Sora',sans-serif;font-size:18px;font-weight:700;color:#0d1f2d;margin:0 0 12px;\">General liability $2 million to $5 million<\/h3>\n    <p style=\"font-size:15px;color:#475569;line-height:1.7;margin:0;\">Covers bodily injury or property damage that your business may cause to a customer or third party during the work. This is the basic protection required by most clients. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:14px;padding:24px;\">\n    <h3 style=\"font-family:'Sora',sans-serif;font-size:18px;font-weight:700;color:#0d1f2d;margin:0 0 12px;\">Tools and Equipment<\/h3>\n    <p style=\"font-size:15px;color:#475569;line-height:1.7;margin:0;\">Theft, breakage or loss of your tools and equipment, on the jobsite, in the shop or in the vehicle.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:14px;padding:24px;\">\n    <h3 style=\"font-family:'Sora',sans-serif;font-size:18px;font-weight:700;color:#0d1f2d;margin:0 0 12px;\">Property and materials on site<\/h3>\n    <p style=\"font-size:15px;color:#475569;line-height:1.7;margin:0;\">Materials supplied and work being installed before final acceptance by the customer.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:14px;padding:24px;\">\n    <h3 style=\"font-family:'Sora',sans-serif;font-size:18px;font-weight:700;color:#0d1f2d;margin:0 0 12px;\">Vehicles and commercial fleet<\/h3>\n    <p style=\"font-size:15px;color:#475569;line-height:1.7;margin:0;\">Company trucks, vans and trailers, with coverage of the equipment being transported.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\" style=\"font-family:'Sora',sans-serif;font-size:30px;font-weight:800;color:#0d1f2d;margin:48px 0 24px;\"><span class=\"ez-toc-section\" id=\"Risks-specific-to-the-trade-of-patio-contractor\"><\/span>Risks specific to the trade of patio contractor<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px;margin:24px 0;\">\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:14px;padding:24px;\">\n    <h3 style=\"font-family:'Sora',sans-serif;font-size:18px;font-weight:700;color:#0d1f2d;margin:0 0 12px;\">Risk profile of the profession<\/h3>\n    <p style=\"font-size:15px;color:#475569;line-height:1.7;margin:0;\">Raised terraces are load-bearing structures: their collapse can seriously injure occupants. Responsibility for the completed work is decisive here. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:14px;padding:24px;\">\n    <h3 style=\"font-family:'Sora',sans-serif;font-size:18px;font-weight:700;color:#0d1f2d;margin:0 0 12px;\">Compliance and licensing<\/h3>\n    <p style=\"font-size:15px;color:#475569;line-height:1.7;margin:0;\">Most construction work in Quebec requires a license from the R\u00e9gie du b\u00e2timent (RBQ). The licence attests to your competence; Insurance protects your finances in the event of damage. Your customers will demand proof of both.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:14px;padding:24px;\">\n    <h3 style=\"font-family:'Sora',sans-serif;font-size:18px;font-weight:700;color:#0d1f2d;margin:0 0 12px;\">One comprehensive policy<\/h3>\n    <p style=\"font-size:15px;color:#475569;line-height:1.7;margin:0;\">Most businesses like yours bundle liability, tools, equipment, vehicles and property into a single comprehensive commercial policy \u2014 often better and simpler than separate policies.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\" style=\"font-family:'Sora',sans-serif;font-size:30px;font-weight:800;color:#0d1f2d;margin:48px 0 24px;\"><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:24px 0;\">\n<details style=\"background:#fff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;\">\n<summary style=\"background:#f8fafc;padding:18px 24px;font-weight:700;color:#0d1f2d;cursor:pointer;font-family:'Sora',sans-serif;font-size:16px;\">Am I responsible if a patio I built collapses years later?<\/summary>\n<div style=\"padding:20px 24px;color:#475569;font-size:15px;line-height:1.8;\">Yes, you can be held liable for a construction defect even after the end of the contract. Liability coverage for completed work is specifically aimed at these late claims. <\/div>\n<\/details>\n<details style=\"background:#fff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;\">\n<summary style=\"background:#f8fafc;padding:18px 24px;font-weight:700;color:#0d1f2d;cursor:pointer;font-family:'Sora',sans-serif;font-size:16px;\">Do I need an RBQ license to build patios?<\/summary>\n<div style=\"padding:20px 24px;color:#475569;font-size:15px;line-height:1.8;\">Depending on the size and attachment to the building, an RBQ license may be required. Your customers will require proof of liability insurance before the work begins anyway. <\/div>\n<\/details>\n<details style=\"background:#fff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;\">\n<summary style=\"background:#f8fafc;padding:18px 24px;font-weight:700;color:#0d1f2d;cursor:pointer;font-family:'Sora',sans-serif;font-size:16px;\">How much does insurance cost for a patio and terrace construction company in Quebec?<\/summary>\n<div style=\"padding:20px 24px;color:#475569;font-size:15px;line-height:1.8;\">The premium varies depending on your sales, the number of employees, your specific activities, your claims history and the limits chosen. As an indication, the civil liability of a small contractor is often between $500 and $1,800 per year, but the exact premium is established after analyzing your file. Comparing several insurers remains the best way to get a fair price.  <\/div>\n<\/details>\n<details style=\"background:#fff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;\">\n<summary style=\"background:#f8fafc;padding:18px 24px;font-weight:700;color:#0d1f2d;cursor:pointer;font-family:'Sora',sans-serif;font-size:16px;\">What insurance is needed for a patio construction contractor in Quebec?<\/summary>\n<div style=\"padding:20px 24px;color:#475569;font-size:15px;line-height:1.8;\">The law does not impose civil liability on all companies, but your clients, clients and the R\u00e9gie du b\u00e2timent almost always require it. If you have employees, registration with the CNESST is mandatory. <\/div>\n<\/details>\n<details style=\"background:#fff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;\">\n<summary style=\"background:#f8fafc;padding:18px 24px;font-weight:700;color:#0d1f2d;cursor:pointer;font-family:'Sora',sans-serif;font-size:16px;\">Does my home insurance cover my business if I&#8217;m self-employed?<\/summary>\n<div style=\"padding:20px 24px;color:#475569;font-size:15px;line-height:1.8;\">No. A home insurance policy excludes commercial activities. You need separate business insurance to cover your liability, tools, and professional equipment. <\/div>\n<\/details>\n<details style=\"background:#fff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;\">\n<summary style=\"background:#f8fafc;padding:18px 24px;font-weight:700;color:#0d1f2d;cursor:pointer;font-family:'Sora',sans-serif;font-size:16px;\">Am I covered if one of my employees is injured on a construction site?<\/summary>\n<div style=\"padding:20px 24px;color:#475569;font-size:15px;line-height:1.8;\">Employees&#8217; occupational injuries are covered by the CNESST&#8217;s public plan, to which you must contribute. Instead, your business insurance covers your liability to third parties as well as your property. <\/div>\n<\/details>\n<details style=\"background:#fff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;\">\n<summary style=\"background:#f8fafc;padding:18px 24px;font-weight:700;color:#0d1f2d;cursor:pointer;font-family:'Sora',sans-serif;font-size:16px;\">Are my tools covered if they are stolen from my truck?<\/summary>\n<div style=\"padding:20px 24px;color:#475569;font-size:15px;line-height:1.8;\">Yes, with the Tools and Equipment endorsement, your tools are covered against theft and breakage, including off-site and in your vehicle. Check the applicable limit and deductible. <\/div>\n<\/details>\n<\/div>\n\n<h2 class=\"wp-block-heading\" style=\"font-family:'Sora',sans-serif;font-size:30px;font-weight:800;color:#0d1f2d;margin:48px 0 24px;\"><span class=\"ez-toc-section\" id=\"Why-choose-Assur360\"><\/span>Why choose Assur360<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"background:#f0fdfa;border-radius:14px;padding:32px;margin:24px 0;\">\n  <ul style=\"list-style:none;padding:0;margin:0;color:#0d1f2d;font-size:16px;line-height:2;\">\n    <li style=\"padding-left:32px;position:relative;\"><span style=\"position:absolute;left:0;color:#10c4c7;font-weight:800;\">\u2713<\/span> <strong>Independent comparator<\/strong> : we compare more than 9 insurance companies for you<\/li>\n    <li style=\"padding-left:32px;position:relative;\"><span style=\"position:absolute;left:0;color:#10c4c7;font-weight:800;\">\u2713<\/span> <strong>AMF-certified partner firms<\/strong> and members of the Chambre de l&#8217;assurance<\/li>\n    <li style=\"padding-left:32px;position:relative;\"><span style=\"position:absolute;left:0;color:#10c4c7;font-weight:800;\">\u2713<\/span> <strong>100,000+ Quebecers<\/strong> have already trusted our network<\/li>\n    <li style=\"padding-left:32px;position:relative;\"><span style=\"position:absolute;left:0;color:#10c4c7;font-weight:800;\">\u2713<\/span> <strong>Free service<\/strong>, no hidden costs, no commitment<\/li>\n    <li style=\"padding-left:32px;position:relative;\"><span style=\"position:absolute;left:0;color:#10c4c7;font-weight:800;\">\u2713<\/span> <strong>Quote in 3 minutes<\/strong>, online or by phone<\/li>\n  <\/ul>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px;margin:48px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/assurance-entreprise\/\" style=\"display:block;background:#f8fafc;border-radius:14px;padding:24px;text-decoration:none;border:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:12px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin-bottom:8px;\">HUB ENTREPRISE<\/div>\n    <div style=\"color:#0d1f2d;font-size:17px;font-weight:700;\">Assurance entreprise au Qu\u00e9bec \u2192<\/div>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-entrepreneurs-en-construction\/\" style=\"display:block;background:#f8fafc;border-radius:14px;padding:24px;text-decoration:none;border:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:12px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin-bottom:8px;\">CONSTRUCTION<\/div>\n    <div style=\"color:#0d1f2d;font-size:17px;font-weight:700;\">Assurance entrepreneurs en construction \u2192<\/div>\n  <\/a>\n  <a href=\"\/responsabilite-civile\/\" style=\"display:block;background:#f8fafc;border-radius:14px;padding:24px;text-decoration:none;border:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:12px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin-bottom:8px;\">RESPONSABILIT\u00c9<\/div>\n    <div style=\"color:#0d1f2d;font-size:17px;font-weight:700;\">Assurance responsabilit\u00e9 civile \u2192<\/div>\n  <\/a>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Patio and Deck Construction Company Insurance in Quebec Do you run a patio and terrace construction company in Quebec? 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