Mandatory guarantee plan and private guarantee plans

Private guarantee plans

First, know that the private guarantee plan applies to buildings held in divided co-ownership, i.e., buildings with more than four stacked units. Also, be aware that this plan is optional: entrepreneurs are not obliged to adhere to it.

A private guarantee plan can be useful for residences and structures that are not covered by the mandatory guarantee plan. We encourage you to research the various private guarantee plans available on the market.

For example, the mandatory guarantee plan does not apply to poor workmanship on earthworks or swimming pools, since they are considered external to the covered building. In these cases, you could also take out a private guarantee plan for the earthwork or your swimming pool.

For illustration purposes only, and without commenting on the adequacy of their plans for your situation, here are some organizations that offer private plans:

  • Garantie Habitation des Maîtres Bâtisseurs (GHMB)
  • Garantie Qualité Habitation offered by Association de construction du Québec (ACQ)
  • Garantie des immeubles résidentiels (GIR)
  • Garantie Habitation des Maîtres Bâtisseurs (GHMB) offered by APCHQ

As in the case of Garantie de construction résidentielle (GCR), the administrators of private guarantee plans act as intermediaries between the contractor and the buyer to ensure compliance with the agreement. The guarantee plan chosen will be tailor-made, the agreement will be adapted for each project.


If you are offered a private guarantee plan when signing the preliminary contract, take the time to read the document carefully and understand its content. Also make sure that the refund of the deposit is guaranteed by the plan.

Be aware that, without private coverage, you will have to address your requests and claims to the courts. To benefit from simplified recourse against your contractor, you can subscribe to a private guarantee plan.

Introduction History of the Residential Guarantee Plan Mandatory guarantee plan and private guarantee plans Introduction The Mandatory Guarantee Plan Private guarantee plans Conditions of application Accredited contractor / RBQ license holder Acceptance, the starting point for some guarantees What the Plan covers Guarantee limits Guarantee before acceptance of the building Guarantee after acceptance of the building Guarantee and emergency works Exclusion from guarantee plan Guarantee and legal mortgage The guarantee is transferable Loss of coverage Withholding funds to cover corrective work afficher toutes les pages

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