End of the agricultural season
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Forestry contractors
Insurance for forestry contractors in Quebec
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Information to have on hand
To receive your quote quickly, here is the information it is helpful to have on hand.
For all types of insurance
- Your desired effective date
- The name of your current insurer, if you are already insured.
- Your banking information, if you choose a pre-authorized debit
Forestry contractors
- The list of your equipment with serial numbers and value
- The number of operators and their year of birth
- Your company’s number of years of experience
- Your approximate annual revenue
- Any general liability claims from the past five years, if applicable
Insurance for forestry contractors in Quebec: protect your operations and machinery
Forestry contractors face a wide range of hazards. Wet ground can cause a feller-buncher to get stuck, and a chipping operation can start a fire. A damaged fuel tank can contaminate the soil.
These situations lead to significant costs: towing, intervention by SOPFEU, and site decontamination. Without proper coverage, your business absorbs the bill.
Fortunately, insurance designed specifically for forestry machinery can protect you against these risks. It covers all your equipment at its original value. It also includes general and environmental liability, as well as timber harvesting.
A La Turquoise broker reviews your operations and builds a policy suited to your job sites. You know what is covered before a loss occurs.
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Recommended coverages for your forestry operation
Your insurance must cover the most common risks you face in the forest. These coverages apply to all your operations and equipment.
Machinery and equipment at replacement cost
A new feller-buncher can be worth several hundred thousand dollars. In the event of a total loss, you are compensated at replacement cost, with no depreciation calculation.
- A feller-buncher destroyed in a fire is replaced at a full replacement cost.
- A bulldozer damaged in a loss is compensated with no reduction in value.
Environmental liability
Storing fuel in the forest carries real risks. In the event of an accidental spill, decontamination costs for the insured site and adjacent sites are covered.
- A tank cracks and fuel spills onto the forest floor.
- Equipment failure causes an oil leak near a waterway.
Stuck equipment and towing costs
Waterlogged ground can immobilize heavy equipment miles from any road. Costs for freeing, towing, and debris recovery are included.
- A feller-buncher sinks into waterlogged ground after heavy rain.
- An articulated truck must be towed out of a hard-to-access site.
General liability
An accident on a job site can make you liable to third parties. This coverage applies to all your operations, even if you have not purchased any other coverage.
- A third party is injured on your job site during a cutting operation.
- Equipment causes damage to infrastructure during skidding.
Firefighting expenses
On private forest land, SOPFEU intervention costs can be significant. You are reimbursed for the resources deployed to bring a fire under control.
- A water bomber is deployed to control a fire on your site.
- Intervention costs are billed following a fire during a chipping operation.
Optional coverages
Certain coverages can be added depending on the nature of your activities. They complement your recommended coverage.
Harvested timber
Harvested timber represents significant value on your job sites. It can be protected against theft, fire, and certain damage. A broker explains the eligibility conditions based on your situation.
Garage or repair shop
Do you maintain your equipment on-site? Your garage can be included in your policy, along with its contents and structure.
Tools and spare parts
Your tools and spare parts face the same risks as your equipment. Declaring them allows you to include them in your coverage.
Property in transit
Between leaving your yard and arriving at the job site, your equipment is exposed to risk. This coverage applies throughout transport.
Trailers
Your trailers can be added to your policy. Each one is declared with its serial number and insured limit.
Equipment rental expenses
A loss can take a machine out of service for several weeks. Rental costs for replacement equipment are reimbursed during this period.
Additional coverage based on your activities
Some coverage can be added to your basic policy depending on the nature of your projects and the size of your business. A La Turquoise broker identifies those that apply to your situation.
Auto and home insurance discount
Bundling your auto and home insurance with La Turquoise can lower your premium. Your broker explains the possible savings based on your situation.
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Multi-Vehicle
Insuring multiple vehicles together can give you access to a discount. This option often applies when several drivers from the same household are insured together.
Safe driver/personalized premium program (based on your driving habits)
A claim-free driving record can give you access to a discount. Some insurers also offer a program that analyzes your driving habits and adjusts your premium accordingly.
Your questions about forestry contractor insurance
These questions come up often about forestry machinery insurance in Quebec. This section presents answers to the most frequent questions. It aims to help you better understand the available coverage, the applicable obligations, and the factors that can affect your coverage.
Forestry machinery insurance covers your equipment against damage, theft, and total loss. It also includes general liability, environmental liability, and expenses related to losses in the forest.
Coverages can include stuck equipment, towing costs, SOPFEU intervention, and site decontamination. Harvested timber, tools, trailers, and your garage can be added based on your needs.
Yes. All your forestry equipment can be grouped under a single policy. Feller-buncher, bulldozers, articulated trucks, and delimber: each machine is declared individually with its insured value.
Grouping your equipment simplifies the management of your coverage and makes the claims process easier.
Yes. General liability is mandatory for every forestry contractor, regardless of the size of the business. An accident on a job site can make you liable to third parties, even during a seemingly simple operation.
This coverage is included in your forestry machinery insurance policy.
Renting equipment to third parties can change the conditions of your coverage. It is important to declare this to your broker before proceeding. A La Turquoise broker reviews your policy and confirms the necessary adjustments based on your situation.
Harvested timber can be covered against theft, fire, and certain damage. This coverage is added to your policy based on specific eligibility conditions. A La Turquoise broker explains the terms based on your operation.
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