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Offers for your construction business

See our insurance, financing and loans for contractors and construction businesses.

Why choose us?

Our specialized team understands the needs of the construction industry and will guide you to the best options for your business. If you're a contractor, we can help you manage your finances and grow your business, no matter what size it is. Thanks to our partner RenoAssistance  external link, we can also help you expand your client base.

Construction insurance

Protect your business against costly accidents and other potential losses.

Our comprehensive insurance can be customized for your construction business, but a typical policy includes the following coverages:

  • Commercial general liability insurance covers your business against claims or lawsuits from third parties who have suffered bodily injury, property damage or other harm. 
  • Equipment breakdown insurance covers the repair or replacement of your equipment and tools if they suddenly and accidentally break down on the insured premises. 
  • Builder's risk insurance covers the risk of loss or deterioration in buildings under construction (including the value of assets, risk of collapse and theft or vandalism). 
  • Commercial vehicle insurance covers your commercial vehicle (such as a truck, delivery van, SUV or tool trailer) and the risks associated with its use. 

Save 15% on your business insurance if you're a member of the Association des professionnels de la construction et de l'habitation du Québec (A  P  C  H  Q).

Construction financing and loans

Find the right financing for your projects so you have access to cash when you need it, whether you're in the start-up or growth stage.

Visa* Business Freedom Solutions package 

If you're looking for under $100,000 in financing, this is a 3-in-1 solution that helps you cover day-to-day operating expenses.

Learn more about the Visa Business Freedom Solutions package.

Operating line of credit

If you need over $100,000 to meet day-to-day operating needs, this line of credit lets you finance your accounts receivable and protect your business against cash flow shortages.

Learn more about the operating line of credit.

Business savings account

Looking to put some money aside to grow while keeping easy access to it? The Enhanced Investment Business Account is a simple way to save with no monthly fee.

Solutions for employers

We have a team of advisors who specialize in payroll for construction companies and are available to answer questions and provide support.

Our payroll management solution is designed to comply with regulatory requirements for Canada and the Commission de la construction du Québec (CCQ). Its features include:

  • CCQ rates management
  • Report and remittance management
  • Flexible time tracking

Deals from our partners

Our trusted partners offer services in various fields at preferential rates.


Grow your client base and get access to high-quality commercial and residential projects with our partner RenoAssistance.

  • No annual or membership fees
  • Access to a trusted professional network
  • Projects that match your preferences

Online training for entrepreneurs

Take a course with the École des entrepreneurs du Québec (ÉEQ) on starting your own business, exclusive to Desjardins members, for $99 and get 25% off other online courses.

E-commerce support

Enjoy discounts on training and coaching packages to improve your online sales from Mon commerce en ligne.

Virtual healthcare services

Thanks to our partnership with TELUS Health, you can offer your employees virtual healthcare services at a special rate.


How can I increase my working capital to carry out international commercial construction projects?

As part of the Trade Expansion Lending Program (TELP) External link., we offer a line of credit at a special rate and share the risk with Export Development Canada. Contact your account manager for more information.

What are my options if I need quick access to financing, such as for a job or an equipment purchase?

We offer two financing solutions for these types of one-time expenses:

  • If you need $100,000 or less: Accord D Business financing has repayment terms of 1 to 7 years.
  • If you need more than $100,000: a term loan has flexible repayment terms and the option to re-borrow all or a portion of the repaid principal amount.
What is a letter of guarantee and how do I get one?

A letter of guarantee is a commitment from a financial institution to ensure that your business partner will still get paid in the event that your business is unable to pay them. It might be required if you win a construction bid, for example. The amount and terms are based on the transaction requirements and the money is paid out at the beneficiary's request. 

We can provide letters of guarantee upon request. Contact your account manager for more information. 

Get this offer

Contact your account manager for personalized assistance. 
If you don't have an account manager, contact our team.

By phone

Montreal area:
 Phone number for business account services in Montreal. This link opens your phone app.

Or we can call you when it's convenient.

* Trademark of Visa International Service Association and used under licence.