{"id":70395,"date":"2026-05-26T16:04:55","date_gmt":"2026-05-26T20:04:55","guid":{"rendered":"https:\/\/www.assur360.ca\/business-insurance-3-minute-quote\/refrigeration-business-insurance-in-quebec-quick-quote\/"},"modified":"2026-06-26T03:29:04","modified_gmt":"2026-06-26T07:29:04","slug":"refrigeration-business-insurance-in-quebec-quick-quote","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/refrigeration-business-insurance-in-quebec-quick-quote\/","title":{"rendered":"Refrigeration Business 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=\"Refrigeration-Business-Insurance-in-Quebec\"><\/span>Refrigeration 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-refrigeration\/\", \"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\": \"Refrigeration 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\": \"Refrigeration Business Insurance\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Am I liable if a client loses their goods after my intervention?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"If the loss results from a defect in your work, you may be held liable. This financial exposure justifies a sufficient liability limit.\"}}, {\"@type\": \"Question\", \"name\": \"Is brazing of pipes covered by my policy?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Hot work must be declared and covered by your policy. Many job sites also require a hot work permit and preventive measures.\"}}, {\"@type\": \"Question\", \"name\": \"How much does insurance for a refrigeration 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, the liability insurance for a small contractor often ranges from $500 to $1,800 per year, but the exact premium is determined after analyzing your file. Comparing multiple insurers remains the best way to obtain a fair price.\"}}, {\"@type\": \"Question\", \"name\": \"What insurance is necessary for a refrigeration technician in Quebec?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"The law does not require liability insurance for all businesses, but your clients, contractors, and the R\u00e9gie du b\u00e2timent almost always demand it. 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 a 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>refrigeration company<\/strong> in Quebec? Working on refrigeration systems involves refrigerants, hot work (brazing) and a risk of loss of perishable goods in the event of failure. <strong>Assur360<\/strong> is an independent comparison platform 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=\"Refrigeration-Business-Insurance\"><\/span>Refrigeration Business 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-Refrigeration-Business\"><\/span>Essential Covers for Your Refrigeration 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;\">Loss of perishable goods<\/h3>\n    <p style=\"font-size:15px;color:#475569;line-height:1.7;margin:0;\">Covers claims from a customer (grocery store, restaurant) whose inventory is lost as a result of a failure of your installation or repair.<\/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;\">Hot work and refrigerants<\/h3>\n    <p style=\"font-size:15px;color:#475569;line-height:1.7;margin:0;\">Covers fire hazards related to brazing and damage related to fluid handling.<\/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-refrigeration-technician-profession\"><\/span>Risks specific to the refrigeration technician profession<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;\">Working on refrigeration systems involves refrigerants, hot work (brazing) and a risk of loss of perishable goods in the event of failure.<\/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 customer loses their goods after my intervention?<\/summary>\n<div style=\"padding:20px 24px;color:#475569;font-size:15px;line-height:1.8;\">If the loss is due to a defect in your work, you may be held liable. This financial exposure justifies a sufficient limit of liability. <\/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;\">Is pipe brazing covered by my policy?<\/summary>\n<div style=\"padding:20px 24px;color:#475569;font-size:15px;line-height:1.8;\">Hot work must be declared and covered by your policy. Many sites also require a hot work permit and preventive measures. <\/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 refrigeration 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 refrigeration technician 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;\">Liability insurance \u2192<\/div>\n  <\/a>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Refrigeration Business Insurance in Quebec Do you run a refrigeration company in Quebec? Working on refrigeration systems involves refrigerants, hot work (brazing) [&hellip;]<\/p>\n","protected":false},"author":49,"featured_media":70628,"parent":15787,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Refrigeration Business Insurance 2026","_seopress_titles_desc":"Refrigeration business insurance in Quebec. Compare 9+ specialized insurers, free online quote. 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