Bowling alleys

Commercial insurance for members of the Association des propriétaires de salons de quilles du Québec (APSQQ)

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1.833.231.3757 programmes@laturquoise.ca
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Customers in action on a bowling alley lane with bowling balls. Environment requiring insurance for bowling alleys and protection for operators in Québec.

Coverage designed for bowling alleys

As a bowling alley owner in Quebec, your risks differ from those of an ordinary business. Your lanes, game equipment, bar, food service and customer lockers each create specific exposures. A generic commercial insurance policy does not cover these realities.

The APSQQ program brings together all the coverage you need in a single policy. General liability, commercial property, equipment breakdown, cybersecurity and commercial auto are included as standard. Business interruption coverage in the event of food poisoning is also included. The coverage was negotiated specifically for this industry. La Turquoise understands the day-to-day reality of Quebec bowling alleys. No need to explain what a lane or a rental locker is.

On average, members save more than 10% on their premium. No brokerage fees. No financing fees.

Do you work at a bowling alley that is a member of the APSQQ program? Personal insurance discounts are available to you.

Discover available discounts

A program built on a structured partnership

The APSQQ and La Turquoise developed this commercial insurance program together. The goal was straightforward: create a solution built around the real needs of Quebec bowling alley owners.

Coverage included in the APSQQ program

See what the program covers
  • General liability: a customer slips on a lane. A visitor is injured near the bar. This coverage protects you against bodily injury or property damage caused to a third party in your bowling alley.
  • Tenant’s liability: are you a tenant in your space? This coverage protects you from liability toward the building owner in the event of a loss.
  • Commercial property, equipment and production machinery: your lanes, bowling machines, shoe rental counters and facilities are covered against damage.
  • Equipment breakdown: a pin-setting machine fails. An electrical component gives out. Repair or replacement costs are covered.
  • Business interruption due to food poisoning: a food incident forces the temporary closure of your bowling alley. This coverage reimburses your lost revenue during the shutdown period. Included as standard, it is rarely found in commercial programs.
  • Cybersecurity: a cyberattack or ransomware can paralyze your reservation, payment or management systems. This coverage pays for restoration costs and your general liability in the event of a data breach.
  • Sewer backup, without limitation: unlike most commercial policies, this coverage has no cap. Damages are fully covered.
  • Flood and earthquake: included as standard, with no separate underwriting required.
  • Actual loss sustained: your property is compensated at its value at the time of the loss, with no deduction for depreciation.
  • Embezzlement and theft: whether the loss comes from a dishonest employee or an external theft, your bowling alley is protected in both cases.
  • Employee belongings: personal effects brought to work by your staff are covered.
  • Customer belongings in rental lockers: personal effects left in your rental lockers are covered for items of the same type. Coverage directly adapted to the reality of bowling alleys.
  • JuriPro legal assistance: a legal assistance service giving you access to professional advice for legal questions or support in the event of a dispute.
  • Single deductible per claim: if a single claim involves multiple policies, only one deductible applies. Always the highest one, never both.

What the APSQQ program concretely changes for you

Discover my member benefits
  • A program backed by your association: The APSQQ and La Turquoise established this agreement specifically for the bowling alley industry. You benefit from an established relationship and a program that evolves with your industry.
  • More than 10% average savings on your premium: The program was negotiated collectively by the APSQQ. You benefit from purchasing power that an individual owner would not have with an insurer.
  • Zero brokerage fees, zero financing fees: The price shown is the actual price. No surprises at signing.
  • A customized comparative analysis: Your broker provides a comparison tailored to your business to help you evaluate your options.
  • Coverage adapted to bowling alleys: There is no need to search for or negotiate additional endorsements. Risks specific to your industry are included as standard.
  • No co-insurance penalty for minor claims: If your insured amounts are slightly undervalued, this protection helps you avoid a penalty when filing a claim.
  • A single deductible per claim: Even if a single event affects multiple policies, only one deductible applies.
  • Direct access to a specialized broker: Your file is managed by La Turquoise, a firm that understands your industry and works in your interest.

Save with the discounts available

Your La Turquoise broker helps you find the discounts that apply to your situation. Savings vary depending on your profile and your coverage. They allow you to reduce your premium simply.

Recommended coverage

Your program already covers the essential risks of a bowling alley. Some situations may justify additional coverage depending on your circumstances.

Commercial auto

Your commercial vehicles can be insured under the same program at a preferred rate. A 15% discount applies on the standard rate.

Learn more about commercial auto insurance
  • A delivery or service vehicle is involved in an accident.
  • An employee uses a commercial vehicle for bowling alley-related errands.

Extended equipment breakdown

Bowling equipment is complex and essential to operations. A prolonged breakdown can lead to business interruption in addition to repair costs. This coverage pays for indirect losses related to a shutdown caused by equipment failure.

  • A pin-setting machine stops working in the middle of the season. Repairs take several days.
  • An electrical failure damages the payment system and prevents transactions. 

Legal and regulatory compliance

Following a loss, additional work may be required to meet current regulations. This coverage pays for extra costs related to upgrading or rebuilding the building to comply with applicable standards.

  • A partial fire requires the demolition of an undamaged section to meet current codes.
  • Reconstruction work requires the addition of a sprinkler system that was not originally planned.

Your questions about bowling alley insurance

Do you have questions about insurance for your bowling alley? Here are answers to the most common situations.

Yes. We negotiated the commercial insurance program exclusively for members of the Association des propriétaires de salons de quilles du Québec (APSQQ). Membership in the association is a condition of access. If you are not yet a member, La Turquoise can still inform you about the program benefits and guide you through the process. APSQQ membership also gives you access to other benefits negotiated by the association with various industry partners.

General liability insurance protects your business against the financial consequences of bodily injury, property damage or moral harm caused to a third party. It also covers defence costs if someone sues you.

In a bowling alley, this coverage is particularly important. 

Your liability can be engaged in various situations: a customer who slips on a wet lane, a visitor injured near the bar, or damage caused to a third party’s property on your premises. 

The APSQQ program includes basic general liability coverage for bodily injury and property damage caused to a third party in the course of your activities.

Yes, under the APSQQ program. Customers’ belongings left in your rental lockers are covered for items of the same type. The program includes this basic coverage. It is a rare feature in standard commercial programs. Most generic policies do not account for this situation, which nonetheless occurs regularly in a bowling alley.

Yes. The APSQQ program includes business interruption coverage in the event of food poisoning. A food incident may force the temporary closure of your bowling alley. 

In that case, this coverage reimburses your lost revenue during the shutdown period. This coverage is included as standard. It is absent from most standard commercial programs. 

La Turquoise integrated it into the program because of the reality of bowling alleys that offer on-site dining.

The process is simple. Contact La Turquoise directly. A specialized broker takes charge of your file and guides you through every step. The program has no brokerage fees and no financing fees. 

The price presented is the real price. For your bowling alley to be eligible, it must be an APSQQ member or in the process of becoming one.

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