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Senior care facilities
Insurance for senior care facilities in Quebec
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Information to have on hand
To help us prepare your senior care facility insurance quote efficiently, here is the information that is useful to have on hand.
The exact details needed may vary depending on your type of establishment, number of residents, services offered, ownership structure, building, regulatory obligations, claims history, and insurer underwriting requirements.
For all types of insurance
- Your desired effective date
- The name of your current insurer, if you are already insured
Your establishment, residents, and services
- The type of establishment, such as a private seniors’ residence, intermediate resource, long-term care facility, assisted living residence, independent living residence, or retirement building without services
- Your certification status, RQRA membership status, and any regulatory or contractual insurance requirements that apply to your facility
- The number of units, rooms, beds, residents, employees, volunteers, and subcontracted service providers
- The level of autonomy of your residents and whether you offer assisted living, personal care, medication support, nursing support, meal service, housekeeping, transportation, recreation, or other support services
- Whether you operate one facility or several locations, and whether any services are provided off-site or through third parties
- Your status as owner, tenant, franchisor, franchisee, manager, non-profit operator, or corporation responsible for the premises and operations
Your building, operations, and risk profile
- The type, age, size, construction, occupancy, and use of the building or premises
- Whether you own or lease the premises, and the approximate value of the building, commercial contents, medical or mobility equipment, leasehold improvements, and property belonging to others
- Fire protection, alarms, sprinklers, emergency plans, security systems, backup power, water damage prevention, maintenance, and inspection details
- Any resident belongings, trust accounts, cash handling, valuables, or personal property management that should be considered separately from the facility’s own property
- Your claim history, incidents, complaints, or reported losses for the past three to five years, including liability, professional liability, property, water damage, cyber, abuse, neglect, or employment-related matters
- Your start date of operations, business interruption concerns, relocation arrangements, continuity plans, and any planned renovations, expansion, construction work, or ownership changes
The more information we have, the more clearly our brokers can prepare the file. They can identify underwriting issues early and review available insurance options based on your resident profile, care and support services, premises, general liability, professional liability, building values, business interruption exposure, cyber risk, and insurer requirements.
Insurance programs for senior care facilities and RQRA members
Insurance for senior care facilities, adapted to your operations
Your facility provides housing, support, and care to people who may be vulnerable. Every day, your operations create responsibilities toward residents, families, employees, suppliers, and visitors. A loss, incident, complaint, or service interruption can quickly affect your operations, finances, and reputation. A La Turquoise broker familiar with Quebec business insurance can review your operations, identify important exposures, and help you compare insurance options. These options suit your establishment, residents, services, property, liability exposure, data risk, business interruption needs, and insurer requirements, subject to insurer terms, conditions, exclusions, limits, deductibles, and eligibility.
- Private seniors’ residence (RPA)
- Senior care facility
- Intermediate resource
- Long-term care facility
- Retirement building without services
- One incident can raise several issues at once: resident safety, family expectations, staff actions, documentation, professional liability, general liability, and reputation.
- Allegations of abuse, neglect, or inadequate supervision are highly sensitive, even before liability is established, and coverage should be reviewed before a complaint occurs.
- A closure or partial shutdown is not just a revenue issue. Residents may need to be relocated, staff may need to be retained, and extra expenses can build quickly.
- Property values can be harder to assess than they appear. Buildings, accessibility equipment, resident belongings, leasehold improvements, and property owned by others may all be involved.
- Quebec regulatory requirements, lender conditions, contracts, and certification obligations can influence the limits, coverage, and evidence of insurance for your facility’s needs.
- Resident files, billing systems, medication records, staff schedules, and building access tools create cyber exposure. This exposure can affect both privacy and day-to-day operations.
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Insurance coverage for senior care facilities in Quebec
These coverage categories can help address common risks for private seniors’ residences, intermediate resources, long-term care facilities, and other senior care facilities in Quebec. They depend on your activities, resident profile, building, services, insurer eligibility, limits, deductibles, exclusions, and policy wording.
Your liability toward residents and their families
Professional liability may respond when a claim alleges a wrongful act, error, omission, negligence, or certain covered harm in the delivery of care, supervision, assistance, or support services. This includes defence costs where covered. In the senior care sector, coverage should be reviewed carefully for allegations involving resident care, abuse, neglect, medication support, supervision, documentation, and staff or volunteer conduct, subject to policy wording.
Learn more about professional liability- A resident with limited mobility falls during assisted transfer and the family alleges that supervision, documentation, or care protocols were inadequate
- A family files a complaint after a medication support error, missed follow-up, or incident involving a staff member or volunteer
Your buildings, equipment, and residents’ belongings
Insure against covered losses, such as fire, theft, vandalism, water damage, or other insured perils. Coverage includes building, commercial contents, medical or mobility equipment, furniture, leasehold improvements, and property belonging to others. The coverage form and policy wording determine which losses are insured. Resident belongings should be reviewed carefully, as coverage may be limited or better addressed through separate resident insurance.
- Water damage affects resident rooms, mobility equipment, nursing stations, common areas, or recently renovated sections of the facility
- A fire damages the kitchen, dining room, furniture, accessibility equipment, and resident belongings, raising questions about insured values and who owns the damaged property.
Protection for your data and systems
Senior care facilities manage sensitive personal, financial, and health-related information. They often do so through billing platforms, resident files, medication records, building access systems, and management software. Cyber insurance may help cover certain costs related to a cyber incident. These costs include breach response, system restoration, cyber extortion, business interruption, and certain third-party claims, subject to policy wording.
Learn more about cyber insurance- Ransomware blocks access to resident files, billing systems, medication records, staff schedules, or building access controls
- A phishing attack exposes residents, employees, or family contact information and triggers breach response, notification, and system restoration costs
Your liability toward third parties and visitors
General liability may respond when a claim alleges bodily injury, property damage, or certain covered harm involving your premises, operations, employees, visitors, suppliers, or activities outside the facility. Defence costs are covered. It is distinct from professional liability and should be reviewed based on visitor access, resident mobility, maintenance, food service, transportation, off-site activities, contracts, and regulatory requirements.
Learn more about general liability- A visitor slips in the entrance hallway, dining area, or exterior walkway and alleges poor maintenance or inadequate snow and ice management
- A supplier, health professional, or contractor is injured while making a delivery, servicing equipment, or working in an area used by residents.
Business continuity following a loss
Business interruption insurance may help replace a portion of lost income and cover certain extra expenses. A covered loss may force your facility to slow down, close temporarily, relocate residents, or operate under reduced capacity. For senior care facilities, the coverage should be reviewed based on relocation obligations, staffing, resident continuity, extra expense needs, waiting period, limits, indemnity period, and policy wording.
- A fire or major water loss requires the temporary relocation of residents, extra staffing, transportation, cleaning, and partial closure of the facility.
- An elevator, fire protection system, kitchen, or care wing becomes unusable after a covered loss, limiting occupancy and creating extra expenses while repairs are completed.
Liability coverage for your directors and officers
Directors’ and officers’ liability may respond when a claim alleges a wrongful act in the management or governance of the organization. This depends on the policy wording. This coverage can be relevant for corporations, non-profit operators, boards, shareholder groups, and management teams. They make decisions involving finances, employment, regulatory obligations, resident policies, contracts, or strategic direction.
- A creditor, lender, or shareholder challenges a financial decision, expansion project, or change in operating structure made by management
- A board member or director is named in a complaint involving resident policies, employment decisions, regulatory obligations, or oversight governance.
Additional coverage based on your facility’s activities
Additional coverage may be available depending on your ownership structure, building, services, regulatory obligations, resident insurance needs, construction projects, contagious disease exposure, handling of funds, contracts, and business size. A La Turquoise broker can help you review which options may be relevant to your situation.
Building coverage
If you own the premises, building coverage should be reviewed separately from commercial contents, leasehold improvements, equipment, and property belonging to others. Insured value should reflect reconstruction cost rather than market value, subject to insurer valuation rules, required documentation, limits, deductibles, exclusions, and policy wording.
Builder’s risk and wrap-up liability
An expansion, renovation, or new construction project may require builder’s risk insurance separate from your operating policy. Builder’s risk coverage may help insure work in progress, materials, temporary structures, and certain project-related property against covered losses during construction. Wrap-up liability may also be considered for larger projects to help coordinate liability coverage for the owner, general contractor, subcontractors, and other project participants during the construction period. For senior care facilities, this should be reviewed carefully when residents remain on site, services continue during work, or occupancy changes after the project. Coverage depends on project value, contractors involved, occupancy, construction phase, exclusions, limits, deductibles, and policy wording.
Excess general liability
Excess general liability may help increase your liability limit above the primary policy when your operations, contracts, lender requirements, resident profile, or Quebec regulatory obligations require higher limits. Eligibility, available limits, underlying insurance requirements, exclusions, and insurer conditions should be reviewed before assuming additional limits are available.
Money, securities, and payment fraud
Money and securities coverage may help respond to certain losses involving cash, cheques, deposits, or other negotiable instruments handled in the course of your operations. For senior care facilities, this can be relevant when rent, service fees, petty cash, resident funds, deposits, or other payments are collected, stored, transported, or deposited. Payment fraud, phishing, fraudulent transfer instructions, and online banking incidents may require separate review under cyber insurance, crime coverage, or a social engineering endorsement. Coverage depends on how funds are controlled, who has authority to transfer money, internal procedures, limits, exclusions, deductibles, and policy wording.
Contagious diseases
Contagious disease coverage may help address certain financial losses or extra expenses related to an outbreak at your facility when this coverage is included in the policy. Availability, triggers, exclusions, waiting periods, limits, and covered expenses vary significantly by insurer and policy wording, so this exposure should be reviewed before a loss occurs.
Insurance for your resident tenants
Residents may have insurance needs that are separate from those of the facility, including personal belongings, additional living expenses, and personal liability. A resident tenant insurance program may help them access coverage designed for their situation, while also reducing confusion between the facility’s insurance and each resident’s own protection, subject to program eligibility and policy wording.
Partner associations and programs
La Turquoise works with several associations, professional groups, and organizations to offer benefits to their members.
For RQRA members, La Turquoise offers an exclusive insurance program developed with specialized insurers for Quebec senior care facilities, with coverage options, terms, and pricing conditions that are not available through the standard market, subject to eligibility and underwriting.
Affinity programs and discounts
- Anges Québec (réseau d’investisseurs privés)
- Arboriculteurs (Société internationale d’arboriculture Québec – SIAQ)
- Association of Canadian Travel Agencies (ACTA)
- Association des éducatrices et éducateurs spécialisés du Québec (AEESQ)
- Association des hôteliers du Québec
- Association des propriétaires de salons de quilles du Québec (APSQQ)
- Quebec Professional Home Builders Association (APCHQ)
- Association pour entrepreneurs en construction au Québec (ACQ)
- Association professionnelle des ergonomes du Québec (APEQ)
- Cabinets et services financiers
- Corporation des zoothérapeutes du Québec (CZQ)
- Courtiers et cabinets en courtage hypothécaire
- Fédération des producteurs forestiers du Québec
- NAPA Autopro
- Harnois (essence), Détaillant carburant
- Mécanique Services Web (MSW), cybersécurité
- Médecines alternatives
- Professionnels de l’esthétique et soins de beauté (APESEQ)
- Regroupement québécois des résidences pour aînés (RQRA)
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Your questions about insurance for senior care facilities in Quebec
These questions come up often when senior care facilities review insurance in Quebec. The answers below provide general guidance on general liability, professional liability, abuse-related allegations, contagious disease coverage, RQRA member program options, and when to speak with a broker.
Senior care facilities in Quebec are governed by provincial regulations. Obtaining and maintaining a certificate of compliance requires general liability insurance.
The minimum amounts required vary based on the type of establishment and the number of residents it houses. A private seniors’ residence does not necessarily have the same obligations as an intermediate resource.
Beyond the legal requirements, certain coverages are effectively essential in practice. An uncovered claim can jeopardize the continuity of your operations.
A broker specializing in insurance for RPAs can confirm the obligations that apply to your type of establishment.
Not automatically. This coverage must be expressly provided for in your insurance contract. It is not included in all standard commercial policies.
Certain programs designed specifically for senior care facilities include abuse coverage within general liability. It is a risk specific to this sector that warrants particular attention. You can talk to a La Turquoise broker about these risks.
Before assuming your policy covers them, review the exclusions in your current contract. If in doubt, a broker can analyze your coverage and identify any gaps.
These two coverages apply to distinct situations. It is useful to understand them separately before assessing your needs.
- General liability may be responded to when a claim alleges bodily injury or property damage involving your premises, operations, or certain business activities, subject to policy wording. A visitor injury on your premises or property damage caused during an intervention may fall under this coverage.
- Professional liability may respond when a claim relates to the delivery of care or services, subject to policy wording. An error while assisting a resident or an omission in following up on a file may fall under professional liability.
The two coverages are complementary. Senior care facilities should really have both.
Yes. La Turquoise offers an exclusive insurance program for eligible members of the Regroupement Québécois des résidences pour aînés (RQRA). This program was developed with specialized insurers that understand the realities of senior care facilities in Quebec.
This program can provide access to coverage options, terms, and pricing conditions that are not available through the standard market. It is designed for the operational, general liability, property, professional liability, and risk management needs of senior care facilities. It is subject to member eligibility, underwriting, insurer requirements, limits, exclusions, deductibles, and policy wording.
Review the RQRA program page to see how the exclusive member program works and whether your establishment may be eligible. View the exclusive RQRA member program
Not automatically. Contagious disease coverage is not included in every policy and, when available, is usually subject to specific triggers, exclusions, waiting periods, limits, and covered expenses.
For a senior care facility, this exposure is more than a theoretical concern. An outbreak can affect occupancy, staffing, cleaning costs, resident relocation, communications with families, and the ability to operate normally. These impacts can occur even if the facility is only partially closed.
A La Turquoise broker can review whether contagious disease coverage is available for your type of establishment. They can also review what conditions apply and whether the limits offered are meaningful for your operations.
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