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Hospitality Association Hôtellerie du Québec
Insurance for hotel establishments that are members of the Association Hôtellerie du Québec
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An offer for members of the Association Hôtellerie du Québec (AHQ)
This page is intended for hotels, motels, inns, and bed-and-breakfast establishments that are members of the Association Hôtellerie du Québec (AHQ). It presents the partnership between the AHQ and La Turquoise, a property and casualty insurance brokerage in Quebec.
Running a hotel means welcoming guests every day, managing buildings, equipment, and staff. It also means dealing with unexpected events that can interrupt your operations. A loss, a claim from a guest, or a cyberattack can happen at any time of year, including during peak season.
This partnership is built around two components. The first covers insurance for your hotel: your physical assets, your general liability, and the continuity of your operations. The second relates to your personal insurance as a member, meaning your auto and home insurance.
Your AHQ membership is the reference point for accessing this offer. Both components are presented on this page.
Are you an AHQ member? Discounts on your auto and home insurance are also available.
A La Turquoise broker confirms your eligibility before underwriting.
A collaboration between La Turquoise and the Association Hôtellerie du Québec (AHQ)
La Turquoise works with the AHQ to support member establishments in their insurance planning. The approach takes into account the realities specific to Quebec’s hotel industry.
You are leaving La Turquoise’s website
This link leads to the website of the Association Hôtellerie du Québec, a partner on this page. You will find more information about the association there.
Coverages to consider for your hotel establishment
See what the coverage includes- Your building in the event of a loss: a fire, water damage, or storm can cause serious damage to your establishment. This coverage protects your building at reconstruction cost, if you are the owner.
- Your contents and equipment: your furniture, bedding, appliances, and kitchen or leisure equipment represent significant value. This coverage covers losses or physical damage to your property in the course of your operations.
- Your general liability: a guest is injured at your establishment, or damage is caused to a third party. This coverage applies to claims for bodily injury or property damage arising from your hotel operations.
- Your business interruption: a loss forces you to temporarily close your establishment. This component covers your loss of income during the recovery period.
- Your cyber risks: your establishment processes personal and financial data from your guests. This coverage covers costs related to a computer incident, including interruption of your reservation systems.
What this partnership concretely changes for AHQ members
Discover what this means for your establishment- The realities specific to hotel operations are taken into account from the first discussions.
- The situations addressed reflect what can happen in an establishment that welcomes guests on a continuous basis.
- The partnership framework helps determine what is worth evaluating based on the nature of your activities and facilities.
- This approach makes it possible to better identify potential liabilities depending on the type of establishment and its operating model.
Save on your premium
La Turquoise’s insurance brokers will help you find the discounts that apply to your situation. These savings vary depending on your profile and coverage. They make it easy to lower your rates.
Car and home insurance discounts
Bundling auto and home insurance with La Turquoise can lower the premium. The broker explains the possible savings based on the situation.
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Multiple vehicles
Bundling insurance policies with the same provider may qualify the policyholder for a discount. This option often applies when multiple drivers from the same household are insured together.
Safe driver/personalized premium program (based on driving habits)
A claims-free driving record may qualify for a discount. Some insurers also offer a program that analyses driving habits and adjusts the premium accordingly.
Recommended coverages
Certain coverages may supplement your protection depending on the nature of your activities, your facilities, or your operating model. They are not included by default and are assessed with your broker.
Equipment breakdown
A failure of your heating system, elevator, or pool equipment can quickly disrupt your operations.
- An air conditioning system breaks down in the middle of summer.
- An elevator is taken out of service following a mechanical failure.
- Laundry equipment is damaged, bringing housekeeping operations to a halt.
Cyber risk
Hotel establishments process personal and financial data from their guests every day through their reservation and payment systems.
Learn more about cyber insurance- Ransomware blocks access to the reservation system during peak season.
- Guest credit card data is compromised following a breach.
- A cyberattack disrupts the establishment’s management systems.
Directors and officers liability
Decisions made by the leaders of a hotel establishment in the course of their duties may give rise to claims. These can come from employees, partners, or third parties.
Learn more about professional liability- A director is implicated following a disputed management decision.
- Personal liability for an operational decision falls on a senior officer.
- A restructuring leads to claims from business partners.
Your questions about insurance for hotel establishments that are AHQ members
Hotel operators often have the same questions before speaking with a broker. This section addresses the most common ones.
Needs vary depending on your type of accommodation, your facilities, and whether you are an owner or tenant. That said, certain coverages consistently apply to a hotel, motel, or inn in Quebec:
- General liability: covers claims for bodily injury or property damage caused to third parties in the course of your operations.
- Building and contents coverage: protects your investment against losses such as fire, water damage, or vandalism.
- Business interruption coverage: covers your income if a loss forces you to suspend your operations.
- Equipment breakdown: protects against the failure of your essential systems, such as heating, elevators, or laundry equipment.
- Cyber risks: covers incidents related to your reservation and payment systems.
A broker specializing in hotel insurance assesses your full situation to determine what applies to your operations.
Yes, that is the role of general liability. It applies to incidents occurring in your rooms, common areas, parking lots, or outdoor facilities.
In the hospitality industry, potential liability events are countless:
- A guest slips in a corridor or falls on a staircase.
- A guest’s personal belongings are damaged.
- An incident occurs in your fitness room, pool, or spa.
Note: your liability may be engaged even without direct fault on your part. Certain provisions of the Civil Code of Quebec establish liability without fault involving third parties. A broker can identify the risk areas specific to your establishment and verify that your coverage is adequate.
Business interruption coverage applies to this situation, provided this component is included in your policy. It is not part of every standard policy.
In practical terms, this coverage may apply to:
- Your loss of income during the recovery period.
- Your fixed expenses, such as the salaries of your key employees.
- Partial interruption situations: closure of a floor, or suspension of your restaurant or pool operations.
For an establishment whose revenues are concentrated during peak season, this component is particularly important to evaluate.
Not automatically. A standard policy covers damage caused by an insured peril, such as fire or water damage. Mechanical or electrical breakdown is typically the subject of a separate coverage.
In the hotel industry, equipment at risk includes:
- Heating, air conditioning, and ventilation systems.
- Elevators and laundry equipment.
- Commercial kitchen refrigeration systems.
- Pool or spa equipment.
The age of your equipment and the availability of parts influence the risk assessment. This component is worth discussing explicitly with your broker.
Yes. The partnership between the Association Hôtellerie du Québec (AHQ) and La Turquoise is specifically intended for member establishments. It covers two distinct components:
- Coverage for your establishment: property, general liability, business interruption, and supplementary coverage depending on your type of operation.
- Your personal insurance: special terms are available in auto and home insurance for AHQ members.
Your AHQ membership is the condition for accessing this offer.
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