Construction insurance for ACQ members in Outaouais, Abitibi, and Northwest Quebec

Wrap-up insurance, also known as wrap-up general liability, covers all participants on a single project under one policy. It protects the general contractor, subcontractors, the project owner, and authorized visitors for the duration of the work.

It is particularly useful on large-scale projects involving multiple subcontractors. Some public or institutional project owners require it before work begins. In the event of a loss, it prevents conflicts between the individual policies of the various parties involved.

A broker can assess whether your project warrants this type of coverage or whether your individual general liability is sufficient.

Yes, in the vast majority of cases. A subcontractor who causes damage to a third party engages their own liability. If they are uninsured, the claim may be redirected to the general contractor who retained them.

Requiring proof of insurance from your subcontractors before work begins is a common and strongly recommended practice. Some contracts and project owners require it explicitly.

If your job site is covered by wrap-up insurance, your subcontractors may be included under that policy. Verify the conditions with your broker before assuming they are covered.

Yes, depending on the nature of your work. A standard general liability policy often excludes damage related to contamination or spills. Excavation, asbestos removal, and blasting can expose your business to significant claims.

Environmental liability covers decontamination costs and claims related to damage caused during your work. It may also be required by certain project owners or regulatory authorities, depending on the nature of the job site.

If your activities carry a contamination risk, verify that your current coverage includes this protection.

An insurer represents only its own products. A broker compares multiple insurers and products to find the coverage best suited to your type of activity, the scale of your projects, and your contractual obligations.

In the construction sector, needs vary considerably from one contractor to another. An electrician, a roofer, and a general contractor do not face the same risks or the same coverage requirements.

A specialized broker understands the particularities of the sector. They identify gaps in your coverage, help you avoid underinsurance, and support you in the event of a claim. At La Turquoise, our commercial lines brokers analyze your situation and propose a solution tailored to your reality.

To get a quote, contact a broker by phone or email. Prepare basic information about your business: type of activity, annual revenue, and number of years of experience. Have on hand a list of your main equipment and your subcontracting arrangements as well.

If you have a current policy, have your existing insurer’s name and your contract’s expiry date ready. For certain specialties, your RBQ licence number will also be required.

A broker reviews your file and presents the available options based on your needs and budget.