{"id":70315,"date":"2026-05-26T16:03:43","date_gmt":"2026-05-26T20:03:43","guid":{"rendered":"https:\/\/www.assur360.ca\/business-insurance-3-minute-quote\/kitchen-and-bathroom-renovation-company-insurance-in-quebec-ra-quote\/"},"modified":"2026-06-26T03:08:28","modified_gmt":"2026-06-26T07:08:28","slug":"kitchen-and-bathroom-renovation-company-insurance-in-quebec-ra-quote","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/kitchen-and-bathroom-renovation-company-insurance-in-quebec-ra-quote\/","title":{"rendered":"Kitchen and bathroom renovation company insurance in Quebec: ra 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=\"Kitchen-and-bathroom-renovation-business-insurance-in-Quebec\"><\/span>Kitchen and bathroom renovation business 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-renovation-cuisine-salle-de-bain\/\", \"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\": \"Kitchen and bathroom renovation business insurance\"}<\/script><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\": \"Kitchen and bathroom renovation business insurance\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Am I covered if I damage the client's floor or furniture?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes, liability insurance covers damages you accidentally cause to the client's property during the work.\"}}, {\"@type\": \"Question\", \"name\": \"Are my subcontractors (plumber, electrician) covered by my policy?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Not automatically. Each subcontractor should have their own insurance. Request proof of insurance and discuss an additional insured clause with your insurance broker.\"}}, {\"@type\": \"Question\", \"name\": \"How much does insurance for a kitchen and bathroom renovation business cost in Quebec?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"The premium varies based on your revenue, number of employees, specific activities, claims history, and chosen limits. As a guideline, liability insurance for a small contractor often ranges from $500 to $1,800 per year, but the exact premium is determined after reviewing your file. Comparing multiple insurers remains the best way to get a fair price.\"}}, {\"@type\": \"Question\", \"name\": \"What insurance is necessary for a kitchen and bathroom renovation contractor in Quebec?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"The law does not require liability insurance for all businesses, but your clients, project owners, and the R\u00e9gie du b\u00e2timent almost always do. If you have employees, registration with the CNESST is mandatory.\"}}, {\"@type\": \"Question\", \"name\": \"Does my home insurance cover my business if I work for myself?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"No. A home insurance policy excludes commercial activities. You need separate business insurance to cover your liability, tools, and professional equipment.\"}}, {\"@type\": \"Question\", \"name\": \"Am I covered if one of my employees gets injured on a job site?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Employee workplace injuries fall under the public CNESST scheme, to which you must contribute. Your business insurance covers your liability to third parties as well as your property.\"}}, {\"@type\": \"Question\", \"name\": \"Are my tools covered if they are stolen from my truck?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes, with the \\\"tools and equipment\\\" endorsement, your tools are covered against theft and damage, including off-site and in your vehicle. Check the applicable limit and deductible.\"}}]}<\/script>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Do you run a <strong>kitchen and bathroom renovation company<\/strong> in Quebec? These renovations combine plumbing, electricity and work in inhabited spaces: water damage or a defect can damage the building and the client&#8217;s furniture. <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=\"Kitchen-and-bathroom-renovation-company-insurance\"><\/span>Kitchen and bathroom renovation 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-Kitchen-and-Bathroom-Remodeling-Business\"><\/span>Essential Covers for Your Kitchen and Bathroom Remodeling 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;\">Water damage and plumbing<\/h3>\n    <p style=\"font-size:15px;color:#475569;line-height:1.7;margin:0;\">Covers water damage caused by a faulty fitting or installation during renovation.<\/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;\">Customer property on site<\/h3>\n    <p style=\"font-size:15px;color:#475569;line-height:1.7;margin:0;\">Protects against damage to existing furniture, floors and finishes during work.<\/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-profession-of-kitchen-and-bathroom-renovation-contractor\"><\/span>Risks specific to the profession of kitchen and bathroom renovation 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;\">These renovations combine plumbing, electricity and work in inhabited spaces: water damage or a defect can damage the building and the client&#8217;s furniture.<\/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 covered if I damage the customer&#8217;s floor or furniture?<\/summary>\n<div style=\"padding:20px 24px;color:#475569;font-size:15px;line-height:1.8;\">Yes, civil liability covers damage that you unintentionally cause to the customer&#8217;s property during the work.<\/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 subcontractors (plumber, electrician) covered by my policy?<\/summary>\n<div style=\"padding:20px 24px;color:#475569;font-size:15px;line-height:1.8;\">Not automatically. Each subcontractor should have its own insurance. Ask for proof of insurance and discuss an additional insured clause with your broker.  <\/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 kitchen and bathroom renovation 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 necessary for a kitchen and bathroom renovation 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 Chamber of Insurance<\/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;\">Business insurance in Quebec \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;\">Insurance for construction contractors \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;\">Civil liability insurance \u2192<\/div>\n  <\/a>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Kitchen and bathroom renovation business insurance in Quebec Do you run a kitchen and bathroom renovation company in Quebec? These renovations combine [&hellip;]<\/p>\n","protected":false},"author":49,"featured_media":70530,"parent":15787,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Kitchen and bathroom renovation business insurance 2026","_seopress_titles_desc":"Kitchen and bathroom renovation business insurance in Quebec. Compare 9+ specialized insurers, free online quote. 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