End of the agricultural season
6 min
Services & leisure
Insurance for service, leisure and entertainment businesses in Quebec
Contact us for a quote
Information to have on hand
To prepare a quote, your broker will need a clear picture of your operation. This includes what you do, where you operate, who takes part, what equipment you use, and what contracts, permits, or insurer requirements apply.
For all types of insurance
- Your desired effective date
- The name of your current insurer, if you are already insured
- Your current insurance policy, if you have one, including any certificate currently required by a municipality, venue owner, landlord, client, or project owner
Your organization, activities, and governance
- The legal status of the organization (association, corporation, registered charity)
- The annual budget and the percentage coming from grants
- The number of paid employees and active volunteers
- The list of current board members
- The letters patent or incorporation documents of the organization
- The activities you organize, such as fundraising, events, member services, public activities, volunteer work, or activities involving children, seniors, or vulnerable participants
- The presence of inflatable structures or equipment made available to the public, if applicable
- Any contracts, leases, municipal requirements, permits, or certificates of insurance required for your activities
- Your premises, equipment, and public-facing operations
The type of establishment and the activities offered
- The number of lanes, rides, or pieces of equipment in operation
- Whether you own or lease the premises
- The estimated value of the building and contents
- The presence of a food service or alcohol sales on the premises
- Any permits or operating authorizations required for your activities, including applicable RBQ requirements for certain amusement rides
Your entertainment and event activities
- A description of your activities (film production, events, inflatable rentals, etc.)
- The types of venues used (indoor, outdoor, public spaces, private property)
- The approximate number of participants or spectators per event
- The presence of subcontractors or service providers on site
- The municipal permits or authorizations required for your activities
Your drone operations
- The type of certification held (basic operations or advanced operations, Transport Canada)
- The number of drones operated and their take-off weight
- The primary use of the drone (photography, inspection, filming, etc.)
- The history of incidents or Transport Canada investigations, if applicable
Complete information helps our brokers review the file properly, identify underwriting questions early, and compare business insurance options. These fit your activities, premises, equipment, contracts, permits, liability exposure, business interruption needs, and insurer requirements.
Your type of service, leisure and entertainment business
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Association des propriétaires de salons de quilles du Québec (APSQQ)
Are you a member of the Association des propriétaires de salons de quilles du Québec (APSQQ)? Learn more about the insurance program negotiated for Quebec bowling alleys.
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Commercial drones
Commercial drone operators need coverage that reflects more than the drone itself. Liability, equipment, privacy, certification, and Transport Canada requirements should all be reviewed based on how and where the drone is used.
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Special events
Festivals, fairs, fundraisers, private events, and public gatherings can create very different insurance needs. The venue, activities, participants, equipment, volunteers, permits, and alcohol service should be reviewed before the event takes place.
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Non-profit organizations and associations
Non-profit organizations and associations can be exposed through their activities, volunteers, property, board decisions, events, and cyber incidents. Coverage should match how the organization is governed and how it operates day to day.
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Amusement parks and inflatable rentals
Rides, inflatable structures, and equipment used by the public can lead to significant liability and property issues. Coverage should reflect your visitors, operations, equipment, setup locations, contracts, and rental activities.
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Film and television production
Film and television productions move quickly and often involve rented equipment, shifting locations, cast, crew, suppliers, and tight schedules. Coverage should reflect the production work, equipment, liability, and extra costs that could arise if filming is delayed or disrupted.
Insurance for service, leisure and entertainment businesses in Quebec
Service, leisure, and entertainment businesses often deal directly with the public, operate equipment, organize activities, manage staff or volunteers, and work in temporary or shared spaces. An injury, property damage claims, equipment loss, cyber incidents, or shutdowns can create financial pressure quickly.
- Non-profit organizations (NPOs) and associations
- Bowling alleys
- Amusement parks and ride operators
- Inflatable rental companies
- Special event organizers
- Film and television producers
- Commercial drone operators
- If you welcome the public, someone may allege bodily injury or property damage connected to your activities or premises.
- Equipment used by participants can create risks involving injury, property damage, maintenance, supervision, and contracts.
- A covered loss can interrupt activities and affect revenue, fixed costs, contracts, and event commitments.
- Temporary events and changing venues can make risk assessment more complex.
- Organizations that handle personal data, member records, donations, or funds may also need to review cyber risk and directors and officers’ liability.
- Some activities carry specific regulatory requirements, including RBQ requirements for certain amusement rides and Transport Canada rules for drone operations.
A La Turquoise broker can review your activities, identify the exposures that matter, and help you compare options for your service, leisure, or entertainment business in Quebec. Coverage remains subject to insurer terms, conditions, exclusions, limits, deductibles, and eligibility.
Contact us for a quote
Coverage for commercial drone operators
See what the coverage includes- Your liability toward third parties: a drone loses control and damages a building or injures a bystander. Commercial drone liability coverage can help with bodily injury or property damage claims during your declared operations, subject to the policy wording.
- Privacy-related liability: a drone captures images on private property without proper authorization. Whether this type of claim is covered depends on the coverage purchased, the drone use, and the policy wording.
- Damage to your equipment and devices: drones, cameras, sensors, controllers, and related piloting equipment may be insured against covered losses such as collision, accidental breakage, theft, or in-flight loss. The policy wording, limits, deductibles, and exclusions apply.
- Liability related to professional services: a client disputes the results of an inspection, image capture, or survey. Claims tied to the performance of commercial drone services may require errors and omissions or professional liability coverage, depending on your activities and policy wording.
- Compliance with regulatory requirements: your operations must comply with Transport Canada rules. Coverage accounts for your certification type, basic operations or advanced operations, and the declared use of your equipment.
- Legal defence and regulatory matters: a claim is filed against you, or a complaint leads to a Transport Canada review. Coverage for defence costs or regulatory-related expenses depends on the coverage purchased, the nature of the proceeding, and the policy wording.
Coverage for special event organizers
See what the coverage includes- Your liability toward participants: a fall, equipment-related incident, or injury on site can lead to a claim. Event liability coverage can help with bodily injury or property damage claims during your event, subject to the policy wording.
- Your liability toward the venue owner: you are renting a hall or a municipal space. This coverage applies to damage caused to the premises during your event. Most venue owners require a certificate of insurance before authorizing a gathering.
- Equipment and technical materials: sound systems, lighting, temporary structures, stages, and rented equipment can be expensive to repair or replace. Coverage may be available for eligible owned or rented property, depending on the coverage purchased, limits, deductibles, exclusions, and policy wording.
- Liability related to alcohol service: if your event includes a bar or beverage service, alcohol-related incidents should be reviewed carefully. Coverage may be available depending on the permits, service arrangements, insurer eligibility, limits, exclusions, and policy wording.
- Volunteers and temporary employees: people helping with your event can create liability and accident exposure. Their role, status, and available coverage should be reviewed based on your operations, contracts, employment arrangements, and policy wording.
- Event cancellation or interruption: extreme weather, a covered loss, or a forced cancellation can create non-refundable costs and financial losses. Event cancellation or interruption coverage may respond to eligible expenses or losses when purchased and subject to the policy wording, exclusions, limits, and conditions.
Coverage for non-profit organizations and associations
See what the coverage includes- General liability: a participant is injured during an activity, or a volunteer damages someone else’s property. General liability coverage can help address covered claims involving bodily injury or property damage arising from your organization’s activities, subject to policy wording.
- Directors and officers’ liability: a management decision is challenged, or a board member is personally named in a claim related to the organization’s obligations. D&O coverage can help protect directors, officers, and the organization against certain claims tied to management decisions, including defence costs and potential personal exposure. The policy wording applies.
- Property and contents: insurers may offer coverage for premises, furniture, computers, equipment, and other contents against covered losses, such as fire, theft, vandalism, or water damage. Coverage and policy wording vary.
- Protection against misappropriation: if an employee or volunteer diverts funds from the organization, crime or employee dishonesty coverage may help respond to certain eligible financial losses. The coverage, limits, exclusions, and policy wording determine which losses it can help respond to.
- Cybersecurity: organizations that manage personal data, member records, donations, or payment information can face cyber incidents. Cyber insurance may help cover certain costs, such as breach response, system restoration, cyber extortion, business interruption, and certain third-party claims, subject to policy wording.
- Activities and events: fundraisers, community activities, volunteer work, and events open to the public can create liability exposure. The activities organized within the scope of your mission should be declared so coverage can be reviewed properly.
Coverage for amusement parks and inflatable rentals
See what the coverage includes- Your liability toward visitors: a child is injured on a ride or inflatable structure. Liability coverage can help address covered claims involving bodily injury or property damage arising from your operations, subject to the policy wording. Certain amusement activities may also require permits or minimum insurance limits under applicable rules.
- Damage to your equipment: rides, inflatable structures, generators, operating equipment, and related property may be insured against covered losses such as fire, theft, vandalism, or certain accidental damage. The coverage and policy wording determine which losses count as covered.
- Liability toward venue owners: if you rent a space to set up your equipment, damage to the premises may create liability exposure. Coverage should be reviewed based on your rental agreement, operations, limits, exclusions, and policy wording.
- Business interruption: a covered loss can force the temporary closure of your park or the suspension of rentals. Business interruption coverage may help replace a portion of lost income or cover certain extra expenses. These include the covered cause of loss, waiting period, limits, indemnity period, and policy wording.
- Temporary installations: fairs, festivals, outdoor events, and rental sites can change your exposure from one location to another. Your insurance should reflect where equipment is installed, who supervises it, who owns the site, and what contracts or permits require.
- Legal defence costs: if a lawsuit is filed after an incident on your site, defence costs may be covered. This applies when the claim falls within the policy wording, subject to limits, deductibles, exclusions, and other policy conditions.
Coverage for film and television productions
See what the coverage includes- Filming equipment and materials: cameras, lighting, sound equipment, props, costumes, sets, and rented equipment can be costly to replace. Coverage may be available for covered theft, breakdown, or accidental damage on set, subject to limits, deductibles, exclusions, and policy wording.
- General liability on filming locations: a light fixture damages a rented space, or a crew member injures a third party. General liability coverage can help address covered claims involving bodily injury or property damage on set, in studio, or on location, subject to the policy wording.
- Additional filming costs: illness, damaged media, lost footage, or a covered incident can create extra production expenses. Coverage for additional costs depends on the coverage purchased, the cause of loss, documentation, exclusions, limits, and policy wording.
- Data and digital content: damaged, lost, or corrupted filming files can delay production and create reshooting costs. Coverage should be reviewed carefully because digital media, cyber incidents, equipment failure, and production loss may be treated differently by insurers.
- Liability toward venue owners: filming in a private apartment, commercial space, municipal location, or public building can create damage-to-premises exposure. Coverage should be reviewed based on the filming agreement, certificate requirements, limits, exclusions, and policy wording.
- Liability related to special effects and stunts: productions that involve pyrotechnics, stunts, or higher-risk scenes should be reviewed separately. Coverage depends on the nature of the production, the safety measures in place, insurer approval, and the policy wording.
Partner associations and programs
La Turquoise works with several associations, professional groups, and organizations to offer benefits to their members. Browse the list to see the associations and programs currently available.
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 service, leisure and entertainment businesses in Quebec
Leisure, events, and entertainment businesses can face risks that are not always covered by a standard policy. These questions cover the situations we see most often and can help you prepare before speaking with a broker.
Yes. A non-profit organization (NPO) can face many of the same insurance risks as a business. A participant can be injured during an activity. A volunteer can damage someone else’s property. A board member can be named in a claim involving a management or governance decision. These situations can happen even in community-based organizations.
Being a non-profit does not remove the risk of a claim. Without the right insurance, defence costs, settlements, or judgments may fall back on the organization. In some cases, directors or officers may also face personal exposure.
The right coverage often includes general liability, directors’ and officers’ liability, and property insurance. The organization’s activities, funding, contracts, volunteers, governance structure, and size all influence what should be reviewed.
Most municipalities and venue owners require general liability insurance before approving a permit or reservation. The required limit can vary depending on the municipality, venue, and type of event. This coverage is meant to address bodily injury or property damage claims involving participants, spectators, venue owners, or other third parties.
Other coverage may be needed depending on the event, such as alcohol service, volunteers, rented equipment, temporary structures, or event cancellation and interruption. A broker can review the nature and scale of the event before recommending appropriate coverage.
Yes. Home insurance and most standard business policies do not cover commercial drones. Insurers treat drones as aircraft, and most general policies include explicit exclusions for them. Transport Canada regulates commercial drone operations. Your obligations vary depending on your certification type: basic operations or advanced operations.
Drone insurance can address your liability toward third parties, damage to your equipment, and certain claims related to image capture, depending on the policy. It should reflect your certification, your declared operations, and how the equipment is used. Before flying for commercial purposes, confirm whether your current policy actually covers those operations.
They deal with different kinds of claims.
- General liability is generally tied to the organization’s activities. For example, a participant is injured during an activity, or a volunteer damages property belonging to someone else.
- Directors’ and officers’ liability, often called D&O, is tied to leadership and governance decisions. It may apply when directors, officers, or the organization are named in a claim. Such claims could involve management decisions, financial oversight, employment-related allegations, or certain obligations of the organization.
An NPO should generally review both. General liability addresses claims arising from the organization’s activities. D&O addresses claims tied to leadership decisions. It may help protect directors and officers from defence costs and potential personal exposure, subject to the policy wording.
Inflatable rental is a regulated activity in Quebec. The Régie du Bâtiment du Quebec (RBQ) governs the use of this type of equipment. The owner is responsible for its condition and the safety of users.
Insurance for this type of activity should address your general liability if someone is injured while using your equipment. It should also reflect where the equipment is installed, who supervises it, and how often it is rented.
A home insurance policy or standard business policy is usually not enough for commercial inflatable rentals. A broker can review your equipment, rental frequency, installation locations, contracts, and regulatory requirements before recommending appropriate coverage.
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