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Frequently asked questions (FAQ)

Increase in licence security

  • Licence security is a financial guarantee that a contractor obtains from an association, an insurance company or a financial institution in order to guarantee the performance of his contractual obligations toward its clients. To obtain a RBQ licence, every contractor must have a licence security. For consumers, this requirement provides better protection as it ensures compensation for damages as a result of faulty performance or non-performance of construction work.

    Exception:

    Holders of subclasses 1.1.1 or 1.1.2 (New residential buildings covered by a guaranty plan, Class I and II) are the only exception to this requirement, because it’s the Guarantee Plan that will compensate the consumers who suffered a prejudice.

  • Recently, the RBQ amended its Regulation respecting the professional qualification in order to increase the amounts of the security so that it better compensates the consumers.

    New amounts:

    The previous amounts were of $10,000 for specialized contractors and of $20,000 for general contractors. Since the coming into force of the regulatory amendments on September 18, 2016, the amounts are of $20,000 for specialized contractors and of $40,000 for general contractors.

  • In order to offer a better protection to the consumers, with indemnities that reflect their reality and needs. 

  • The regulatory amendments came into force on September 18, 2016. From this date, a one-year transitional period will ensue so that every contractor pay according to the new amounts.

    Contractors must send their licence security or its additional clause when they pay their yearly licence maintenance dues. The moment to pay the licence is different for every contractor.

  • During the transitional period, some contractors will be guaranteed according to the previous amounts, while others will already be under the new amounts.

    From September 18, 2016, every contractor will pay according to the new amounts.

    Here are two examples that will help you determine the amounts of the licence security that contractors have during the transitional period.

    Example 1: Contractor guaranteed according to the amounts of the former regulation

    On September 18, 2016, the new regulation comes into force. On October 10, 2016, you sign a contract with general contractor ABC to carry out work at your residence. On November 15, 2016, general contractor ABC makes his yearly licence maintenance payment and must provide to the RBQ his new security, which is $40,000. In March 2017, you discover a problem with the work he carried out.

    If your declaration is eligible for the security, the maximum amount you’re entitled to is $20,000 since the contractor you dealt with was under the previous security when you signed the contract.

    Figure 1: Contractor guaranteed according to the amounts of the former regulation

    Example 2: Contractor guaranteed according to the amounts of the new regulation

    On September 18, 2016, the new regulation comes into force. On September 10, 2016, general contractor ABC makes his yearly licence maintenance payment and must provide to the RBQ his new security, which is $40,000. On October 15, 2016, you sign a contract with general contractor ABC to carry out work at your residence. In March 2017, you find out a problem with the work he carried out.

    If your declaration is eligible for the security, the maximum amount you’re entitled to is $40,000 since the contractor you dealt with was under the new security when you signed the contract.

    Figure 2: Contractor guaranteed according to the amounts of the new regulation

  • To find out the name of the company that guaranteed your contractor and the amount of the security, communicate with the RBQ using the contact information of its page Contact Us.

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