{"id":4977,"date":"2026-06-08T15:37:14","date_gmt":"2026-06-08T15:37:14","guid":{"rendered":"https:\/\/la-turquoise.dev-1.hamakmarketingnumerique.com\/?post_type=program&#038;p=4977"},"modified":"2026-08-24T21:16:49","modified_gmt":"2026-08-24T21:16:49","slug":"tourism-hospitality-and-travel","status":"publish","type":"program","link":"https:\/\/www.laturquoise.ca\/en\/programs\/tourism-hospitality-and-travel\/","title":{"rendered":"Tourism, hospitality and travel"},"content":{"rendered":"\n<section class=\"personal-hero reveal\">\n    <div class=\"personal-hero__wrapper container\">\n        <div class=\"personal-hero__media\" aria-hidden=\"true\">\n            <img loading=\"lazy\" decoding=\"async\" width=\"1254\" height=\"836\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2093528472-e1783699160641.jpg\" class=\"img-cover\" alt=\"Hotel infrastructure used for welcoming guests and providing accommodation. Illustration of protection and insurance needs for the hospitality sector in Qu\u00e9bec.\" \/>        <\/div>\n\n        <div class=\"personal-hero__content\">\n                                                <p class=\"personal-hero__subtitle anim anim-fade-right\">\n                        Tourism, hospitality and travel                    <\/p>\n                \n                                    <h1 class=\"personal-hero__title anim anim-fade-right\">\n                        Insurance for tourism, hospitality and travel businesses in Quebec                    <\/h1>\n                            \n                            <div class=\"personal-hero__actions anim anim-fade-right\">\n                                            \n<div class=\"cta-dropdown\" data-cta-dropdown>\n    <button class=\"cta-dropdown__trigger btn btn--white\" type=\"button\"\n            aria-expanded=\"false\" data-cta-dropdown-trigger>\n        Get a quote        <svg class=\"cta-dropdown__trigger-icon\" aria-hidden=\"true\" width=\"11\" height=\"6\">\n            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n        <\/svg>\n    <\/button>\n\n    <div class=\"cta-dropdown__panel\" data-cta-dropdown-panel>\n                    <p class=\"cta-dropdown__text\">\n                Contact us for a quote            <\/p>\n        \n                    <div class=\"cta-dropdown__links\">\n                                    \n                    <a href=\"tel:18332313757\" class=\"cta-dropdown__link btn btn--white-outlined-green\" aria-label=\"1.833.231.3757\"><span>1.833.231.3757<\/span><\/a>                                    \n                    <a href=\"mailto:cde@laturquoise.ca\" class=\"cta-dropdown__link btn btn--green\" aria-label=\"cde@laturquoise.ca\"><span>cde@laturquoise.ca<\/span><\/a>                            <\/div>\n            <\/div>\n<\/div>                    \n                    <a href=\"https:\/\/laturquoise.ca\/en\/claims\/\" class=\"personal-hero__link btn btn--green\" aria-label=\"File a claim\"><span>File a claim<\/span><\/a>                <\/div>\n            \n                            <button class=\"personal-hero__info anim anim-fade-up\" type=\"button\" aria-haspopup=\"dialog\"\n                        aria-controls=\"personal-hero-info-modal\" data-personal-hero-info-modal-trigger>\n                    <svg class=\"personal-hero__info-icon\" aria-hidden=\"true\" width=\"22\" height=\"22\">\n                        <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#info\"\/>\n                    <\/svg>\n\n                    <span>Information to have on hand<\/span>\n                <\/button>\n                    <\/div>\n    <\/div>\n\n    \n            <div class=\"personal-hero__info-modal hero-info-modal\" id=\"personal-hero-info-modal\" role=\"dialog\" aria-modal=\"true\" aria-label=\"Information to have on hand\" hidden data-personal-hero-info-modal>\n            <div class=\"hero-info-modal__overlay\" data-personal-hero-info-modal-close><\/div>\n\n            <div class=\"hero-info-modal__dialog\">\n                <div class=\"hero-info-modal__top\">\n                    <p class=\"hero-info-modal__label\">\n                        Information to have on hand                    <\/p>\n\n                    <button class=\"hero-info-modal__close\" type=\"button\" aria-label=\"Close\" data-personal-hero-info-modal-close>\n                        <svg class=\"hero-info-modal__close-icon\" aria-hidden=\"true\" width=\"23\" height=\"23\">\n                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#burger-close\"\/>\n                        <\/svg>\n                    <\/button>\n                <\/div>\n\n                <div class=\"hero-info-modal__content wysiwyg\">\n                    <p><span style=\"font-weight: 400\">A few details will help your broker understand your operations faster and guide you toward the right insurance quote. Have this information ready if you can.<\/span><\/p>\n<p><b>For all business types<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Your desired effective date<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The name of your current insurer, if you are already insured<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Your banking information, if you choose pre-authorized payments<\/span><\/li>\n<\/ul>\n<p><b>Your accommodation establishment (hotel, B&amp;B, Airbnb, outfitter, or campground)<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The type of accommodation and the number of units or cabins<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Your status as owner or tenant of the premises<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The estimated value of the building and its contents<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The presence of a pool, hot tub, or other guest facilities<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Your current operating permits<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Your membership in the Association des h\u00f4teliers du Qu\u00e9bec, if applicable<\/span><\/li>\n<\/ul>\n<p><b>Your food service establishment (restaurant, bar, tavern, microbrewery)<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The type of activities: food service, alcohol sales, catering, delivery<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The presence of a fixed suppression system and the date of the last inspection<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The permit from the minist\u00e8re de l\u2019Agriculture, des P\u00eacheries et de l&#8217;Alimentation du Qu\u00e9bec (MAPAQ) and the alcohol permit, if applicable<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The dining room area and the presence of a dance floor, if applicable<\/span><\/li>\n<\/ul>\n<p><b>Your travel agency<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The type of services offered: packages, ticketing, organized tours<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The annual transaction volume<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Your membership in the ACTA (Canadian Association of Travel Agencies and Travel Advisors), if applicable<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/section>\n\n\n<section class=\"personal-needs container reveal\">\n    <div class=\"personal-needs__media anim anim-fade-left\">\n        <img loading=\"lazy\" decoding=\"async\" width=\"836\" height=\"1253\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2281688663.jpg\" class=\"attachment-full size-full\" alt=\"Comptoir d&#039;accueil lumineux d&#039;un \u00e9tablissement touristique avec service personnalis\u00e9 \u00e0 la client\u00e8le. Protection d&#039;assurance adapt\u00e9e aux entreprises de tourisme et d&#039;h\u00f4tellerie.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2281688663.jpg 836w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2281688663-200x300.jpg 200w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2281688663-683x1024.jpg 683w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2281688663-768x1151.jpg 768w\" sizes=\"auto, (max-width: 836px) 100vw, 836px\" title=\"Comptoir d&#039;accueil lumineux d&#039;un \u00e9tablissement touristique avec service personnalis\u00e9 \u00e0 la client\u00e8le. Protection d&#039;assurance adapt\u00e9e aux entreprises de tourisme et d&#039;h\u00f4tellerie.\" \/>    <\/div>\n\n    <div class=\"personal-needs__content\">\n                    <h2 class=\"personal-needs__title title-l anim anim-fade-up\">\n                Your type of business in tourism, hospitality and travel            <\/h2>\n        \n                    <ul class=\"personal-needs__list\">\n                \n                                    \n                    <li class=\"personal-needs__item anim anim-fade-up\"\n                        id=\"besoin-1\">\n                        <a class=\"personal-needs__link\" href=\"https:\/\/www.laturquoise.ca\/en\/programs\/tourism-hospitality-and-travel\/acta-travel-professionals\/\">\n                            <div class=\"personal-needs__item-content wysiwyg\">\n                                <h3>Canadian association of travel agencies and travel advisors (ACTA)<\/h3>\n<p><span style=\"font-weight: 400\">ACTA member? Explore the insurance program negotiated for travel agencies and travel advisors in Quebec.<\/span><\/p>\n                            <\/div>\n\n                            <svg class=\"personal-needs__item-arrow\" aria-hidden=\"true\" width=\"21\" height=\"18\">\n                                <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-more\"\/>\n                            <\/svg>\n                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"personal-needs__item anim anim-fade-up\"\n                        id=\"besoin-2\">\n                        <a class=\"personal-needs__link\" href=\"https:\/\/www.laturquoise.ca\/en\/programs\/tourism-hospitality-and-travel\/hospitality-association-hotellerie-quebec\/\">\n                            <div class=\"personal-needs__item-content wysiwyg\">\n                                <h3>Association des h\u00f4teliers du Qu\u00e9bec<\/h3>\n<p><span style=\"font-weight: 400\">Member of the Association des h\u00f4teliers du Qu\u00e9bec? Explore the insurance program designed for member hotel establishments in Quebec.<\/span><\/p>\n                            <\/div>\n\n                            <svg class=\"personal-needs__item-arrow\" aria-hidden=\"true\" width=\"21\" height=\"18\">\n                                <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-more\"\/>\n                            <\/svg>\n                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"personal-needs__item anim anim-fade-up\"\n                        id=\"besoin-3\">\n                        <a class=\"personal-needs__link\" href=\"https:\/\/www.laturquoise.ca\/en\/programs\/tourism-hospitality-and-travel\/#avantages-1\">\n                            <div class=\"personal-needs__item-content wysiwyg\">\n                                <h3>Tourist accommodation<\/h3>\n<p><span style=\"font-weight: 400\">Hotel, B&amp;B, short-term rental, or rooming house: when you welcome guests, your property, revenue, and general liability exposure all need to be reviewed. Explore coverage options for tourist accommodation in Quebec.<\/span><\/p>\n                            <\/div>\n\n                            <svg class=\"personal-needs__item-arrow\" aria-hidden=\"true\" width=\"21\" height=\"18\">\n                                <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-more\"\/>\n                            <\/svg>\n                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"personal-needs__item anim anim-fade-up\"\n                        id=\"besoin-4\">\n                        <a class=\"personal-needs__link\" href=\"https:\/\/www.laturquoise.ca\/en\/programs\/tourism-hospitality-and-travel\/#avantages-1\">\n                            <div class=\"personal-needs__item-content wysiwyg\">\n                                <h3>Food service and licensed establishments<\/h3>\n<p><span style=\"font-weight: 400\">Restaurant, bar, tavern, or microbrewery: your risks are not limited to the kitchen. Equipment, clients, alcohol service, delivery, food safety, and business interruption all deserve a closer look.<\/span><\/p>\n                            <\/div>\n\n                            <svg class=\"personal-needs__item-arrow\" aria-hidden=\"true\" width=\"21\" height=\"18\">\n                                <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-more\"\/>\n                            <\/svg>\n                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"personal-needs__item anim anim-fade-up\"\n                        id=\"besoin-5\">\n                        <a class=\"personal-needs__link\" href=\"https:\/\/www.laturquoise.ca\/en\/programs\/tourism-hospitality-and-travel\/#avantages-2\">\n                            <div class=\"personal-needs__item-content wysiwyg\">\n                                <h3>Outfitters, campgrounds, and outdoor recreation<\/h3>\n<p><span style=\"font-weight: 400\">Outfitters, campgrounds, and outdoor recreation operations face practical risks that can be harder to manage in remote areas. Cabins, docks, watercraft, trails, guests, guides, and seasonal revenue should all be reviewed with your broker.<\/span><\/p>\n                            <\/div>\n\n                            <svg class=\"personal-needs__item-arrow\" aria-hidden=\"true\" width=\"21\" height=\"18\">\n                                <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-more\"\/>\n                            <\/svg>\n                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"personal-needs__item anim anim-fade-up\"\n                        id=\"besoin-6\">\n                        <a class=\"personal-needs__link\" href=\"https:\/\/www.laturquoise.ca\/en\/programs\/tourism-hospitality-and-travel\/#avantages-2\">\n                            <div class=\"personal-needs__item-content wysiwyg\">\n                                <h3>Travel agencies and travel advisors<\/h3>\n<p><span style=\"font-weight: 400\">You organize packages, sell tickets, or advise travellers. A disputed reservation, itinerary change, supplier issue, or missed detail can quickly become a professional liability concern.<\/span><\/p>\n                            <\/div>\n\n                            <svg class=\"personal-needs__item-arrow\" aria-hidden=\"true\" width=\"21\" height=\"18\">\n                                <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-more\"\/>\n                            <\/svg>\n                        <\/a>\n                    <\/li>\n                            <\/ul>\n            <\/div>\n<\/section>\n\n\n<section class=\"program-coverage program-coverage--accordeons container reveal\">\n    <div class=\"program-coverage__container anim anim-fade-up\">\n        <div class=\"program-coverage__media anim anim-fade-left\">\n            <img loading=\"lazy\" decoding=\"async\" width=\"836\" height=\"1254\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1500493926.jpg\" class=\"program-coverage__image\" alt=\"Person traveling during a stay outside the country in a tourism context. Illustration of insurance considerations for travel companies and services in Qu\u00e9bec.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1500493926.jpg 836w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1500493926-200x300.jpg 200w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1500493926-683x1024.jpg 683w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1500493926-768x1152.jpg 768w\" sizes=\"auto, (max-width: 836px) 100vw, 836px\" title=\"Person traveling during a stay outside the country in a tourism context. Illustration of insurance considerations for travel companies and services in Qu\u00e9bec.\" \/>        <\/div>\n\n        <div class=\"program-coverage__content anim anim-fade-right\">\n                            <div class=\"program-coverage__text wysiwyg\">\n                    <h2>Insurance for tourism, hospitality and travel businesses in Quebec<\/h2>\n<p><span style=\"font-weight: 400\">Your business welcomes clients, travellers, guests, or groups. That creates real exposure: someone is injured on your premises, equipment fails during peak season, alcohol service leads to a claim, or a loss forces you to close. The right business insurance program should reflect how you actually operate, not just the category your business fits into.<\/span><\/p>\n                <\/div>\n            \n                            <div class=\"program-coverage__faq faq__list\">\n                    \n                                            \n                        \n                        <div class=\"faq__item faq-item\" data-faq-item>\n                                                            <h4 class=\"faq-item__question title-s\">\n                                    <button class=\"faq-item__trigger\" type=\"button\" id=\"prog-coverage-acc-faq-trigger-0\"\n                                            aria-expanded=\"false\" aria-controls=\"prog-coverage-acc-faq-panel-0\">\n                                        <span>The types of businesses covered<\/span>\n\n                                        <svg class=\"faq-item__icon\" aria-hidden=\"true\" width=\"15\" height=\"8\">\n                                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                        <\/svg>\n                                    <\/button>\n                                <\/h4>\n                            \n                                                            <div class=\"faq-item__answer-wrap\" id=\"prog-coverage-acc-faq-panel-0\" role=\"region\"\n                                                                                    aria-labelledby=\"prog-coverage-acc-faq-trigger-0\"\n                                        >\n                                    <div class=\"faq-item__answer wysiwyg\">\n                                                                                    <ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Hotels, motels, and tourist residences<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">B&amp;Bs and tourist inns<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Short-term rentals (Airbnb and similar platforms)<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Rooming houses<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Outfitters and campgrounds<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Restaurants, canteens, and catering services<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Bars, taverns, and microbreweries<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Travel agencies and travel advisors\u00a0<\/span><\/li>\n<\/ul>\n                                        \n                                        \n                                                                            <\/div>\n                                <\/div>\n                                                    <\/div>\n                                            \n                        \n                        <div class=\"faq__item faq-item\" data-faq-item>\n                                                            <h4 class=\"faq-item__question title-s\">\n                                    <button class=\"faq-item__trigger\" type=\"button\" id=\"prog-coverage-acc-faq-trigger-1\"\n                                            aria-expanded=\"false\" aria-controls=\"prog-coverage-acc-faq-panel-1\">\n                                        <span>Common risks in this sector<\/span>\n\n                                        <svg class=\"faq-item__icon\" aria-hidden=\"true\" width=\"15\" height=\"8\">\n                                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                        <\/svg>\n                                    <\/button>\n                                <\/h4>\n                            \n                                                            <div class=\"faq-item__answer-wrap\" id=\"prog-coverage-acc-faq-panel-1\" role=\"region\"\n                                                                                    aria-labelledby=\"prog-coverage-acc-faq-trigger-1\"\n                                        >\n                                    <div class=\"faq-item__answer wysiwyg\">\n                                                                                    <ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Welcoming the public can lead to general liability claims if a client, guest, visitor, or other third party alleges bodily injury or property damage connected to your operations.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Kitchen, heating, refrigeration, accommodation, or recreation equipment can break down at the worst possible time.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A forced interruption can create immediate revenue pressure, especially during high season.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Serving alcohol can add a separate liability exposure that should be reviewed carefully.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Remote operations face longer response times in the event of a loss<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Online reservations, payment systems, and client data create cyber and privacy risks.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">A La Turquoise broker can review your activities, identify the main exposures, and help you compare insurance coverage options for your type of operation.<\/span><\/p>\n                                        \n                                        \n                                                                            <\/div>\n                                <\/div>\n                                                    <\/div>\n                                    <\/div>\n            \n                            <div class=\"program-coverage__actions\">\n                                            \n<div class=\"cta-dropdown\" data-cta-dropdown>\n    <button class=\"cta-dropdown__trigger btn btn--turquoise\" type=\"button\"\n            aria-expanded=\"false\" data-cta-dropdown-trigger>\n        Contact a broker        <svg class=\"cta-dropdown__trigger-icon\" aria-hidden=\"true\" width=\"11\" height=\"6\">\n            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n        <\/svg>\n    <\/button>\n\n    <div class=\"cta-dropdown__panel\" data-cta-dropdown-panel>\n                    <p class=\"cta-dropdown__text\">\n                Contact us for a quote            <\/p>\n        \n                    <div class=\"cta-dropdown__links\">\n                                    \n                    <a href=\"tel:18332313757\" class=\"cta-dropdown__link btn btn--white\" aria-label=\"1.833.231.3757\"><span>1.833.231.3757<\/span><\/a>                                    \n                    <a href=\"https:\/\/laturquoise.ca\/en\/contact-us\/\" class=\"cta-dropdown__link btn btn--green-outlined-white\" aria-label=\"Contact form\"><span>Contact form<\/span><\/a>                            <\/div>\n            <\/div>\n<\/div>                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n\n\n<section id=\"avantages-1\" class=\"program-advantages container reveal\">\n    <div class=\"program-advantages__list program-advantages__list--split\">\n                    \n            <div class=\"program-advantages__card program-advantage-card anim anim-fade-up\"\n                 id=\"avantages-1-1\">\n                                    <div class=\"program-advantage-card__details\" data-program-advantage-item>\n                        <button class=\"program-advantage-card__details-trigger\" type=\"button\"\n                                id=\"avantages-1-details-trigger-1\"\n                                aria-expanded=\"false\"\n                                aria-controls=\"avantages-1-details-panel-1\">\n                            <span class=\"screen-reader-response\">\n                                See what the coverage includes                            <\/span>\n                        <\/button>\n\n                        <div class=\"program-advantage-card__details-summary\">\n                                                            <h2>Coverage for tourist accommodation establishments<\/h2>\n                            \n                            <span class=\"program-advantage-card__details-more\">\n                                See what the coverage includes\n                                <svg class=\"program-advantage-card__details-icon\" aria-hidden=\"true\" width=\"15\"\n                                     height=\"8\">\n                                    <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                <\/svg>\n                            <\/span>\n                        <\/div>\n\n                        <div class=\"program-advantage-card__details-wrap\"\n                             id=\"avantages-1-details-panel-1\"\n                             role=\"region\"\n                             aria-labelledby=\"avantages-1-details-trigger-1\">\n                            <div class=\"program-advantage-card__details-content wysiwyg\">\n                                <ul>\n<li style=\"font-weight: 400\"><b>Your building after a loss:<\/b><span style=\"font-weight: 400\"> a fire, water loss, storm, or other insured event can seriously damage your establishment. If you own the building, property insurance may help cover rebuilding or repair costs, depending on the valuation basis, limits, deductibles, exclusions, and policy wording. A professional replacement cost valuation can help reduce the risk of underinsurance.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Your contents and equipment:<\/b><span style=\"font-weight: 400\"> furniture, bedding, appliances, kitchen equipment, recreation equipment, and guest amenities can represent a significant investment. Property coverage may respond to insured physical loss or damage to these items, subject to the limits, exclusions, and conditions in the policy.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Your liability toward clients and third parties:<\/b><span style=\"font-weight: 400\"> a guest slips on your stairs, is injured near a pool, or damages a neighbour\u2019s property. General liability coverage may respond to claims alleging bodily injury or property damage connected to your accommodation operations, including defence costs, subject to the policy wording.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>A forced interruption of your operations:<\/b><span style=\"font-weight: 400\"> a covered loss forces you to close temporarily. Business interruption coverage may help replace lost income during the recovery period, depending on the limits, waiting period, indemnity period, and policy wording. This can be especially important for seasonal operations such as outfitters or B&amp;Bs.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Water damage:<\/b><span style=\"font-weight: 400\"> sewer back-up, water infiltration, or flooding can cause serious damage in an establishment that welcomes guests year-round or during peak season. Available options vary by insurer and by cause of loss, so it is important to review what is included, excluded, or subject to a separate endorsement.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Equipment breakdown:<\/b><span style=\"font-weight: 400\"> the failure of your heating system, elevator, pool equipment, refrigeration system, or other key equipment can disrupt operations quickly. Equipment breakdown coverage may respond to an accidental mechanical or electrical breakdown and may also include related business interruption coverage if it is purchased and shown in the policy.<\/span><\/li>\n<\/ul>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                            <\/div>\n                    \n            <div class=\"program-advantages__card program-advantage-card anim anim-fade-up\"\n                 id=\"avantages-1-2\">\n                                    <div class=\"program-advantage-card__details\" data-program-advantage-item>\n                        <button class=\"program-advantage-card__details-trigger\" type=\"button\"\n                                id=\"avantages-1-details-trigger-2\"\n                                aria-expanded=\"false\"\n                                aria-controls=\"avantages-1-details-panel-2\">\n                            <span class=\"screen-reader-response\">\n                                See what the coverage includes                            <\/span>\n                        <\/button>\n\n                        <div class=\"program-advantage-card__details-summary\">\n                                                            <h2>Coverage for restaurants, bars, and microbreweries<\/h2>\n                            \n                            <span class=\"program-advantage-card__details-more\">\n                                See what the coverage includes\n                                <svg class=\"program-advantage-card__details-icon\" aria-hidden=\"true\" width=\"15\"\n                                     height=\"8\">\n                                    <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                <\/svg>\n                            <\/span>\n                        <\/div>\n\n                        <div class=\"program-advantage-card__details-wrap\"\n                             id=\"avantages-1-details-panel-2\"\n                             role=\"region\"\n                             aria-labelledby=\"avantages-1-details-trigger-2\">\n                            <div class=\"program-advantage-card__details-content wysiwyg\">\n                                <ul>\n<li style=\"font-weight: 400\"><b>Your building and facilities:<\/b><span style=\"font-weight: 400\"> your dining room, commercial kitchen, brewing area, terrace, storage space, and ventilation or fire suppression systems can represent a major investment. If you own the building, property insurance may help cover insured damage to the building and permanent installations, subject to the policy wording and valuation basis.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Your equipment and contents:<\/b><span style=\"font-weight: 400\"> cooking equipment, refrigeration units, beverage inventory, furniture, point-of-sale systems, and leasehold improvements can be costly to repair or replace. Coverage may apply to insured physical loss or damage, depending on the property insured, limits, exclusions, and policy wording.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Your liability toward clients and third parties<\/b><span style=\"font-weight: 400\">: a client slips in your dining room, a vehicle is damaged in your parking lot, or an alcohol-related incident leads to a claim. General liability coverage may respond to allegations of bodily injury or property damage linked to your operations. If you offer valet service or serve alcohol, specific endorsements or additional coverage may be required.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>A forced interruption of your operations<\/b><span style=\"font-weight: 400\">: a kitchen fire, major water loss, or equipment breakdown can force you to close when revenue matters most. Business interruption coverage may help replace lost income and certain continuing expenses after a covered loss, depending on the limits, waiting period, indemnity period, and policy wording.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>A food-related incident:<\/b><span style=\"font-weight: 400\"> clients become ill after consuming food served at your establishment, or a contamination issue affects your inventory. Coverage for food poisoning, contamination, spoilage, or product-related claims depends on the coverage purchased and the policy wording. These exposures should be reviewed carefully if you handle, prepare, store, deliver, or sell food.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Your liability related to alcohol service<\/b><span style=\"font-weight: 400\">: a client leaves your bar or microbrewery intoxicated and causes an accident. Liquor liability coverage may respond to claims related to alcohol service, subject to the policy wording and insurer eligibility rules. It is particularly relevant for establishments holding a permit from the R\u00e9gie des Alcools, des Courses et des Jeux (RACJ).<\/span><\/li>\n<\/ul>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                            <\/div>\n            <\/div>\n<\/section>\n\n\n<section class=\"cta-banner container reveal\">\n            <div class=\"cta-banner__content wysiwyg anim anim-fade-up\">\n            <h2>Speak with a broker about your business insurance<\/h2>\n        <\/div>\n    \n            <div class=\"cta-banner__actions anim anim-fade-up\">\n                            <div class=\"cta-banner__action\">\n                                            \n<div class=\"cta-dropdown\" data-cta-dropdown>\n    <button class=\"cta-dropdown__trigger btn btn--white-outlined-blue\" type=\"button\"\n            aria-expanded=\"false\" data-cta-dropdown-trigger>\n        Get a quote        <svg class=\"cta-dropdown__trigger-icon\" aria-hidden=\"true\" width=\"11\" height=\"6\">\n            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n        <\/svg>\n    <\/button>\n\n    <div class=\"cta-dropdown__panel\" data-cta-dropdown-panel>\n                    <p class=\"cta-dropdown__text\">\n                Contact us for a quote            <\/p>\n        \n                    <div class=\"cta-dropdown__links\">\n                                    \n                    <a href=\"tel:18332313757\" class=\"cta-dropdown__link btn btn--white-outlined-blue\" aria-label=\"1.833.231.3757\"><span>1.833.231.3757<\/span><\/a>                                    \n                    <a href=\"https:\/\/laturquoise.ca\/en\/contact-us\/\" class=\"cta-dropdown__link btn btn--blue-dark\" aria-label=\"Contact form\"><span>Contact form<\/span><\/a>                            <\/div>\n            <\/div>\n<\/div>                                    <\/div>\n            \n                    <\/div>\n    <\/section>\n\n\n\n<section id=\"avantages-2\" class=\"program-advantages container reveal\">\n    <div class=\"program-advantages__list program-advantages__list--split\">\n                    \n            <div class=\"program-advantages__card program-advantage-card anim anim-fade-up\"\n                 id=\"avantages-2-1\">\n                                    <div class=\"program-advantage-card__details\" data-program-advantage-item>\n                        <button class=\"program-advantage-card__details-trigger\" type=\"button\"\n                                id=\"avantages-2-details-trigger-1\"\n                                aria-expanded=\"false\"\n                                aria-controls=\"avantages-2-details-panel-1\">\n                            <span class=\"screen-reader-response\">\n                                See what the coverage includes                            <\/span>\n                        <\/button>\n\n                        <div class=\"program-advantage-card__details-summary\">\n                                                            <h2>Coverage for outfitters, campgrounds, and outdoor recreation operations<\/h2>\n                            \n                            <span class=\"program-advantage-card__details-more\">\n                                See what the coverage includes\n                                <svg class=\"program-advantage-card__details-icon\" aria-hidden=\"true\" width=\"15\"\n                                     height=\"8\">\n                                    <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                <\/svg>\n                            <\/span>\n                        <\/div>\n\n                        <div class=\"program-advantage-card__details-wrap\"\n                             id=\"avantages-2-details-panel-1\"\n                             role=\"region\"\n                             aria-labelledby=\"avantages-2-details-trigger-1\">\n                            <div class=\"program-advantage-card__details-content wysiwyg\">\n                                <ul>\n<li style=\"font-weight: 400\"><b>Your buildings and cabins are in remote settings:<\/b><span style=\"font-weight: 400\"> cabins, lodges, service buildings, docks, storage areas, and other structures can be more expensive and slower to repair in remote areas. Property insurance may help cover insured damage, but the insured value should reflect transportation, labour, materials, seasonal access, and rebuilding conditions.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Your contents and operating equipment:<\/b><span style=\"font-weight: 400\"> cabin furniture, tools, generators, watercraft, motors, rental equipment, and outdoor gear can be essential to your operation. Coverage may apply to insured physical loss or damage, including certain equipment made available to clients, depending on the policy wording and insurer requirements.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Your liability toward clients and third parties<\/b><span style=\"font-weight: 400\">: a guest is injured during a hunting, fishing, swimming, boating, or campground activities on your site. General liability coverage may respond to claims alleging bodily injury or property damage connected to your operations. If you rent boats, canoes, kayaks, ATVs, or other recreational equipment, separate coverage or insurer approval may be required.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>A forced interruption of your operations<\/b><span style=\"font-weight: 400\">: a forest fire, flood, major storm, or other covered loss can force you to close during peak season. Business interruption coverage may help replace lost income during the recovery period, taking into account the seasonal nature of your operation and the terms of the policy.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Equipment breakdown:<\/b><span style=\"font-weight: 400\"> the failure of a heating system, generator, water treatment system, refrigeration unit, or other key equipment can make cabins or services unavailable. Equipment breakdown coverage may respond to accidental mechanical or electrical breakdown, with related business interruption coverage available depending on the policy.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Your liability in the event of a spill or contamination:<\/b><span style=\"font-weight: 400\"> a fuel leak, propane spill, or contamination of your water source can create environmental responsibilities and third-party claims. Environmental coverage may apply to certain sudden and accidental pollution incidents, cleanup costs, or related claims, depending on the coverage purchased and the policy wording.<\/span><\/li>\n<\/ul>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                            <\/div>\n                    \n            <div class=\"program-advantages__card program-advantage-card anim anim-fade-up\"\n                 id=\"avantages-2-2\">\n                                    <div class=\"program-advantage-card__details\" data-program-advantage-item>\n                        <button class=\"program-advantage-card__details-trigger\" type=\"button\"\n                                id=\"avantages-2-details-trigger-2\"\n                                aria-expanded=\"false\"\n                                aria-controls=\"avantages-2-details-panel-2\">\n                            <span class=\"screen-reader-response\">\n                                See what the coverage includes                            <\/span>\n                        <\/button>\n\n                        <div class=\"program-advantage-card__details-summary\">\n                                                            <h2>Coverage for travel agencies and travel advisors<\/h2>\n                            \n                            <span class=\"program-advantage-card__details-more\">\n                                See what the coverage includes\n                                <svg class=\"program-advantage-card__details-icon\" aria-hidden=\"true\" width=\"15\"\n                                     height=\"8\">\n                                    <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                <\/svg>\n                            <\/span>\n                        <\/div>\n\n                        <div class=\"program-advantage-card__details-wrap\"\n                             id=\"avantages-2-details-panel-2\"\n                             role=\"region\"\n                             aria-labelledby=\"avantages-2-details-trigger-2\">\n                            <div class=\"program-advantage-card__details-content wysiwyg\">\n                                <ul>\n<li style=\"font-weight: 400\"><b>Your professional liability toward your clients:<\/b><span style=\"font-weight: 400\"> a client disputes an itinerary, reservation, supplier selection, or advice that allegedly caused a financial loss. Professional liability coverage may respond to claims related to an error, omission, or alleged fault in the course of your professional services, subject to policy wording.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Your general liability toward third parties:<\/b><span style=\"font-weight: 400\"> an incident occurs on your premises or during an activity you organize. General liability coverage may respond to claims alleging bodily injury or property damage connected to your operations. Activities outside the office, group travel, excursions, or higher-risk activities should be reviewed carefully with your broker.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Your surety bond:<\/b><span style=\"font-weight: 400\"> in Quebec, travel agencies may have financial obligations toward clients and suppliers. A surety bond may be required under rules administered by the Office de la Protection du Consommateur (OPC). Your broker can help you understand what is required and what documents may be needed.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>A forced interruption of your operations<\/b><span style=\"font-weight: 400\">: a covered loss on your premises or a covered interruption affecting your systems can disrupt your operations during peak season. Business interruption coverage may help replace lost income during the recovery period, depending on the coverage, limits, waiting period, and policy wording.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Your liability during excursions or group activities:<\/b><span style=\"font-weight: 400\"> if you organize adventure travel, sports excursions, youth group trips, or activities with outside suppliers, the risk profile can change quickly. These activities should be disclosed and reviewed so coverage, exclusions, sublimit, waivers, and supplier responsibilities are clearly understood.<\/span><\/li>\n<\/ul>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                            <\/div>\n            <\/div>\n<\/section>\n\n\n<section class=\"cta-banner container reveal\">\n            <div class=\"cta-banner__content wysiwyg anim anim-fade-up\">\n            <h2>Speak with a broker about your business insurance<\/h2>\n        <\/div>\n    \n            <div class=\"cta-banner__actions anim anim-fade-up\">\n                            <div class=\"cta-banner__action\">\n                                            \n<div class=\"cta-dropdown\" data-cta-dropdown>\n    <button class=\"cta-dropdown__trigger btn btn--white-outlined-blue\" type=\"button\"\n            aria-expanded=\"false\" data-cta-dropdown-trigger>\n        Get a quote        <svg class=\"cta-dropdown__trigger-icon\" aria-hidden=\"true\" width=\"11\" height=\"6\">\n            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n        <\/svg>\n    <\/button>\n\n    <div class=\"cta-dropdown__panel\" data-cta-dropdown-panel>\n                    <p class=\"cta-dropdown__text\">\n                Contact us for a quote            <\/p>\n        \n                    <div class=\"cta-dropdown__links\">\n                                    \n                    <a href=\"tel:18332313757\" class=\"cta-dropdown__link btn btn--white-outlined-blue\" aria-label=\"1.833.231.3757\"><span>1.833.231.3757<\/span><\/a>                                    \n                    <a href=\"https:\/\/laturquoise.ca\/en\/contact-us\/\" class=\"cta-dropdown__link btn btn--blue-dark\" aria-label=\"Contact form\"><span>Contact form<\/span><\/a>                            <\/div>\n            <\/div>\n<\/div>                                    <\/div>\n            \n                    <\/div>\n    <\/section>\n\n\n\n<section class=\"product-protections container reveal\">\n            <div class=\"product-protections__content wysiwyg anim anim-fade-up\">\n            <h2>Additional coverage for all types of establishments<\/h2>\n<p><span style=\"font-weight: 400\">Certain coverages apply to all businesses in this sector, regardless of your type of operation. They complement your main coverage based on your situation and activities.<\/span><\/p>\n        <\/div>\n    \n            <div class=\"product-protections__columns\">\n                            \n                <div class=\"product-protections__column\">\n                                            \n                        <div class=\"product-protections__card product-protection-card anim anim-fade-up\"\n                             id=\"protection-1\">\n                            <div class=\"product-protection-card__examples\" data-protection-item>\n                                                                    <button class=\"product-protection-card__examples-trigger\" type=\"button\"\n                                            id=\"protection-trigger-1\"\n                                            aria-expanded=\"false\"\n                                            aria-controls=\"protection-panel-1\">\n                                        <span class=\"screen-reader-response\">\n                                            Examples                                        <\/span>\n                                    <\/button>\n                                \n                                <div class=\"product-protection-card__examples-header\">\n                                                                            <h3>Your coverage against theft and malicious acts<\/h3>\n<p><span style=\"font-weight: 400\">An employee diverts funds, inventory is stolen, or your establishment is vandalized. Crime, theft, and malicious acts coverage may respond to certain financial, or property losses caused by third parties or employees. This coverage depends on the purchased coverage, security conditions, and policy wording.<\/span><\/p>\n                                    \n                                                                    <\/div>\n\n                                                                    <div class=\"product-protection-card__examples-more\" aria-hidden=\"true\">\n                                        <span>Examples<\/span>\n\n                                        <svg class=\"product-protection-card__examples-icon\" aria-hidden=\"true\"\n                                             width=\"15\" height=\"8\">\n                                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                        <\/svg>\n                                    <\/div>\n\n                                    <div class=\"product-protection-card__examples-wrap\"\n                                         id=\"protection-panel-1\"\n                                         role=\"region\"\n                                         aria-labelledby=\"protection-trigger-1\">\n                                        <div class=\"product-protection-card__examples-content wysiwyg\">\n                                            <ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A hotel employee misappropriates cash register funds over time.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Alcohol inventory is stolen during a break-in at a bar.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Computers are stolen from a travel agency\u2019s office after hours.\u00a0<\/span><\/li>\n<\/ul>\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                                            \n                        <div class=\"product-protections__card product-protection-card anim anim-fade-up\"\n                             id=\"protection-2\">\n                            <div class=\"product-protection-card__examples\" data-protection-item>\n                                                                    <button class=\"product-protection-card__examples-trigger\" type=\"button\"\n                                            id=\"protection-trigger-2\"\n                                            aria-expanded=\"false\"\n                                            aria-controls=\"protection-panel-2\">\n                                        <span class=\"screen-reader-response\">\n                                            Examples                                        <\/span>\n                                    <\/button>\n                                \n                                <div class=\"product-protection-card__examples-header\">\n                                                                            <h3>Your obligations toward your clients\u2019 data<\/h3>\n<p><span style=\"font-weight: 400\">Your establishment stores personal data, processes online payments, or uses digital reservation systems. A cyberattack, ransomware incident, or data breach can create response costs, revenue loss, and liability claims. Cyber insurance may help with breach response, recovery expenses, business interruption, and third-party claims, depending on the coverage and policy wording.<\/span><\/p>\n                                    \n                                                                    <\/div>\n\n                                                                    <div class=\"product-protection-card__examples-more\" aria-hidden=\"true\">\n                                        <span>Examples<\/span>\n\n                                        <svg class=\"product-protection-card__examples-icon\" aria-hidden=\"true\"\n                                             width=\"15\" height=\"8\">\n                                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                        <\/svg>\n                                    <\/div>\n\n                                    <div class=\"product-protection-card__examples-wrap\"\n                                         id=\"protection-panel-2\"\n                                         role=\"region\"\n                                         aria-labelledby=\"protection-trigger-2\">\n                                        <div class=\"product-protection-card__examples-content wysiwyg\">\n                                            <ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The hotel\u2019s reservation system has been hacked, and client payment information is compromised.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">An outfitter loses access to its management system after a ransomware attack during peak season.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A travel agency suffers a data breach involving client passport information.\u00a0<\/span><\/li>\n<\/ul>\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                                            \n                        <div class=\"product-protections__card product-protection-card anim anim-fade-up\"\n                             id=\"protection-3\">\n                            <div class=\"product-protection-card__examples\" data-protection-item>\n                                                                    <button class=\"product-protection-card__examples-trigger\" type=\"button\"\n                                            id=\"protection-trigger-3\"\n                                            aria-expanded=\"false\"\n                                            aria-controls=\"protection-panel-3\">\n                                        <span class=\"screen-reader-response\">\n                                            Examples                                        <\/span>\n                                    <\/button>\n                                \n                                <div class=\"product-protection-card__examples-header\">\n                                                                            <h3>The personal liability of your directors and officers<\/h3>\n<p><span style=\"font-weight: 400\">Decisions made by directors and officers can give rise to claims alleging a wrongful act in the management of the organization. Directors\u2019 and officers\u2019 liability insurance can help defend them and respond to claims that employees, partners, creditors, regulators, or other third parties may bring. The policy wording applies.<\/span><\/p>\n                                    \n                                                                    <\/div>\n\n                                                                    <div class=\"product-protection-card__examples-more\" aria-hidden=\"true\">\n                                        <span>Examples<\/span>\n\n                                        <svg class=\"product-protection-card__examples-icon\" aria-hidden=\"true\"\n                                             width=\"15\" height=\"8\">\n                                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                        <\/svg>\n                                    <\/div>\n\n                                    <div class=\"product-protection-card__examples-wrap\"\n                                         id=\"protection-panel-3\"\n                                         role=\"region\"\n                                         aria-labelledby=\"protection-trigger-3\">\n                                        <div class=\"product-protection-card__examples-content wysiwyg\">\n                                            <ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A director of a hotel association is sued over a board decision.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">An officer of a travel agency is named in a claim following a restructuring.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A director of an outfitter is personally named in a dispute involving management decisions.\u00a0<\/span><\/li>\n<\/ul>\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                    <\/div>\n    <\/section>\n\n\n\n<section class=\"personal-partners container reveal\">\n    <div class=\"personal-partners__media\" aria-hidden=\"true\">\n        <img src=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/decor\/dist\/personal-partners-bg.jpg\" width=\"4320\" height=\"1806\" alt=\"\" class=\"img-cover\" loading=\"lazy\" decoding=\"async\">    <\/div>\n\n    <div class=\"personal-partners-search anim anim-fade-up\" data-insurance-search>\n                    <div class=\"personal-partners-search__content wysiwyg\">\n                <h3>Partner associations and programs<\/h3>\n<p><span style=\"font-weight: 400\">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.<\/span><\/p>\n            <\/div>\n        \n        \n        <div class=\"personal-partners-search__box\">\n            <button class=\"personal-partners-search__button\" id=\"personal-partners-search-trigger\" type=\"button\"\n                    aria-expanded=\"false\" aria-controls=\"personal-partners-search-panel\" data-insurance-search-trigger>\n                <span class=\"personal-partners-search__button-text\">\n                    Search                <\/span>\n\n                <svg class=\"personal-partners-search__button-icon\" aria-hidden=\"true\" width=\"15\" height=\"8\">\n                    <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                <\/svg>\n            <\/button>\n\n                            <div class=\"personal-partners-search__dropdown\" id=\"personal-partners-search-panel\"\n                     data-insurance-search-panel>\n                    <div class=\"personal-partners-search__search\">\n                        <label class=\"personal-partners-search__input-label screen-reader-response\"\n                               for=\"personal-partners-search-input\">\n                            Search                        <\/label>\n\n                        <div class=\"personal-partners-search__search-field\">\n                            <svg class=\"personal-partners-search__search-icon\" aria-hidden=\"true\" width=\"20\"\n                                 height=\"20\">\n                                <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#search\"\/>\n                            <\/svg>\n\n                            <input class=\"personal-partners-search__search-input\" id=\"personal-partners-search-input\"\n                                   type=\"search\" placeholder=\"Search\"\n                                   data-insurance-search-input>\n                        <\/div>\n                    <\/div>\n\n                    <div class=\"personal-partners-search__groups\" data-insurance-search-groups>\n                                                    \n                            <details class=\"personal-partners-search__group\" data-insurance-search-group>\n                                                                    <summary class=\"personal-partners-search__group-title\">\n                                        Affinity programs and discounts                                        <svg class=\"personal-partners-search__group-icon\" aria-hidden=\"true\"\n                                             width=\"6\" height=\"11\">\n                                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron-prev\"\/>\n                                        <\/svg>\n                                    <\/summary>\n                                \n                                                                    <ul class=\"personal-partners-search__list\" id=\"personal-partners-search-panel-group-0\">\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/en\/programs\/professional-services\/angel-investors\/\"\n                                                   data-insurance-search-link>\n                                                    Anges Qu\u00e9bec (r\u00e9seau d&#8217;investisseurs priv\u00e9s)                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/en\/programs\/farm-and-forest-business-insurance\/professional-insurance-for-siaq-arborists\/\"\n                                                   data-insurance-search-link>\n                                                    Arboriculteurs (Soci\u00e9t\u00e9 internationale d\u2019arboriculture Qu\u00e9bec &#8211; SIAQ)                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/en\/programs\/tourism-hospitality-and-travel\/acta-travel-professionals\/\"\n                                                   data-insurance-search-link>\n                                                    Association of Canadian Travel Agencies (ACTA)                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/en\/programs\/professional-services\/specialized-educator-insurance-aeesq\/\"\n                                                   data-insurance-search-link>\n                                                    Association des \u00e9ducatrices et \u00e9ducateurs sp\u00e9cialis\u00e9s du Qu\u00e9bec (AEESQ)                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/en\/programs\/tourism-hospitality-and-travel\/hospitality-association-hotellerie-quebec\/\"\n                                                   data-insurance-search-link>\n                                                    Association des h\u00f4teliers du Qu\u00e9bec                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/en\/programs\/services-leisure\/bowling-alley-insurance-apsqq-program\/\"\n                                                   data-insurance-search-link>\n                                                    Association des propri\u00e9taires de salons de quilles du Qu\u00e9bec (APSQQ)                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/en\/programs\/construction-and-building\/apchq-construction-members\/\"\n                                                   data-insurance-search-link>\n                                                    Quebec Professional Home Builders Association (APCHQ)                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/en\/programs\/construction-and-building\/construction-insurance-for-acq-members\/\"\n                                                   data-insurance-search-link>\n                                                    Association pour entrepreneurs en construction au Qu\u00e9bec (ACQ)                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/en\/programs\/alternative-and-wellness-practitioners\/apeq-insurance-program\/\"\n                                                   data-insurance-search-link>\n                                                    Association professionnelle des ergonomes du Qu\u00e9bec (APEQ)                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/en\/programs\/professional-services\/financial-services-insurance\/\"\n                                                   data-insurance-search-link>\n                                                    Cabinets et services financiers                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/en\/programs\/alternative-and-wellness-practitioners\/animal-assisted-practitioners\/\"\n                                                   data-insurance-search-link>\n                                                    Corporation des zooth\u00e9rapeutes du Qu\u00e9bec (CZQ)                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/en\/programs\/professional-services\/insurance-for-mortgage-brokers-and-firms\/\"\n                                                   data-insurance-search-link>\n                                                    Courtiers et cabinets en courtage hypoth\u00e9caire                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/en\/programs\/farm-and-forest-business-insurance\/forest-property-owners\/\"\n                                                   data-insurance-search-link>\n                                                    F\u00e9d\u00e9ration des producteurs forestiers du Qu\u00e9bec                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/en\/programs\/insurance-for-garages-and-auto-repair-shops\/napa-autopro-garage\/\"\n                                                   data-insurance-search-link>\n                                                    NAPA Autopro                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/en\/programs\/retail-and-store-insurance\/harnois-network-service-station\/\"\n                                                   data-insurance-search-link>\n                                                    Harnois (essence), D\u00e9taillant carburant                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/en\/programs\/insurance-for-garages-and-auto-repair-shops\/msw-cyber-insurance\/\"\n                                                   data-insurance-search-link>\n                                                    M\u00e9canique Services Web (MSW), cybers\u00e9curit\u00e9                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/en\/programs\/alternative-and-wellness-practitioners\/alternative-medicine-and-wellness\/\"\n                                                   data-insurance-search-link>\n                                                    M\u00e9decines alternatives                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/en\/programs\/estheticians-and-beauty-care-professionals\/insurance-for-aestheticians-and-beauty-care-professionals-apeseq\/\"\n                                                   data-insurance-search-link>\n                                                    Professionnels de l&#8217;esth\u00e9tique et soins de beaut\u00e9 (APESEQ)                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/en\/programs\/senior-care-facilities\/rqra-seniors-residence-insurance\/\"\n                                                   data-insurance-search-link>\n                                                    Regroupement qu\u00e9b\u00e9cois des r\u00e9sidences pour a\u00een\u00e9s (RQRA)                                                <\/a>\n                                            <\/li>\n                                                                            <\/ul>\n                                                            <\/details>\n                        \n                        <p class=\"personal-partners-search__empty\" hidden data-insurance-search-empty>\n                            No results found.                        <\/p>\n                    <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n\n<section class=\"faq container reveal\">\n            <div class=\"faq__content wysiwyg anim anim-fade-left\">\n            <h2>Your questions about insurance for tourism, hospitality and travel businesses in Quebec<\/h2>\n<p><span style=\"font-weight: 400\">Tourism, hospitality, and travel businesses face risks that standard insurance does not always address well. These answers explain the main coverage points in plain English so you can ask better questions and decide when to speak with a broker.<\/span><\/p>\n        <\/div>\n    \n            <div class=\"faq__list\">\n            \n                            \n                \n                <div class=\"faq__item faq-item anim anim-fade-up\" data-faq-item>\n                                            <h4 class=\"faq-item__question title-s\">\n                            <button class=\"faq-item__trigger\" type=\"button\" id=\"faq-trigger-0\"\n                                    aria-expanded=\"false\" aria-controls=\"faq-panel-0\">\n                                <span>What insurance is required to operate a hotel in Quebec?<\/span>\n\n                                <svg class=\"faq-item__icon\" aria-hidden=\"true\" width=\"15\" height=\"8\">\n                                    <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                <\/svg>\n                            <\/button>\n                        <\/h4>\n                    \n                                            <div class=\"faq-item__answer-wrap\" id=\"faq-panel-0\" role=\"region\"\n                                                                    aria-labelledby=\"faq-trigger-0\"\n                                >\n                            <div class=\"faq-item__answer wysiwyg\">\n                                                                    <p><span style=\"font-weight: 400\">There is no single list of mandatory insurance for all hotels in Quebec. Certain obligations do arise, however, from your specific situation.<\/span><\/p>\n<p><span style=\"font-weight: 400\">If you own your building, your mortgage lender generally requires insurance on the property. If you operate a pool or hot tub, the provincial regulation on bathing facilities applies to your installations.<\/span><\/p>\n<p><span style=\"font-weight: 400\">General liability is not legally required in every case, but it is strongly recommended. A guest injury, property damage allegation, or incident involving your premises can lead to a significant claim. Many hotel establishments also review business interruption, equipment breakdown, water damage, crime, cyber, and other coverage depending on their operations.<\/span><\/p>\n<p><span style=\"font-weight: 400\">A La Turquoise broker can review your activities, lender requirements, facilities, and guest services to help you compare coverage options for your hotel or accommodation business.<\/span><\/p>\n                                \n                                \n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                            \n                \n                <div class=\"faq__item faq-item anim anim-fade-up\" data-faq-item>\n                                            <h4 class=\"faq-item__question title-s\">\n                            <button class=\"faq-item__trigger\" type=\"button\" id=\"faq-trigger-1\"\n                                    aria-expanded=\"false\" aria-controls=\"faq-panel-1\">\n                                <span>Does my home insurance cover Airbnb rentals?<\/span>\n\n                                <svg class=\"faq-item__icon\" aria-hidden=\"true\" width=\"15\" height=\"8\">\n                                    <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                <\/svg>\n                            <\/button>\n                        <\/h4>\n                    \n                                            <div class=\"faq-item__answer-wrap\" id=\"faq-panel-1\" role=\"region\"\n                                                                    aria-labelledby=\"faq-trigger-1\"\n                                >\n                            <div class=\"faq-item__answer wysiwyg\">\n                                                                    <p><span style=\"font-weight: 400\">Usually not. Standard home insurance is designed for personal residential use. Once you rent your unit to third parties, even occasionally, your insurer may deny a claim, limit coverage, or cancel the policy if the activity was not disclosed.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Short-term rental through platforms such as Airbnb is generally treated as a business or income-generating activity from an insurance standpoint. It can require specific coverage for guest-related liability, damage to your property, loss of rental income, and other exposures.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Some insurers offer endorsements to cover occasional rentals. Others require a separate commercial insurance policy. It is important to disclose your activity to your insurer or broker before listing your property for rent.<\/span><\/p>\n                                \n                                \n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                            \n                \n                <div class=\"faq__item faq-item anim anim-fade-up\" data-faq-item>\n                                            <h4 class=\"faq-item__question title-s\">\n                            <button class=\"faq-item__trigger\" type=\"button\" id=\"faq-trigger-2\"\n                                    aria-expanded=\"false\" aria-controls=\"faq-panel-2\">\n                                <span>My bar holds an alcohol permit: what insurance do I need?<\/span>\n\n                                <svg class=\"faq-item__icon\" aria-hidden=\"true\" width=\"15\" height=\"8\">\n                                    <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                <\/svg>\n                            <\/button>\n                        <\/h4>\n                    \n                                            <div class=\"faq-item__answer-wrap\" id=\"faq-panel-2\" role=\"region\"\n                                                                    aria-labelledby=\"faq-trigger-2\"\n                                >\n                            <div class=\"faq-item__answer wysiwyg\">\n                                                                    <p><span style=\"font-weight: 400\">A permit from the R\u00e9gie des alcools, des Courses et des Jeux (RACJ) authorizes you to sell alcohol, but it does not protect you against the claims that may result from it.<\/span><\/p>\n<p><span style=\"font-weight: 400\">If a client leaves your establishment intoxicated and causes an accident, your liability may be alleged. Liquor liability coverage may respond to claims related to alcohol service, subject to endorsement, insurer eligibility rules, and policy wording.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Other coverage is important for a bar or tavern. This may include general liability, theft or crime coverage, business interruption after a covered loss, equipment breakdown, and coverage related to food poisoning if you serve food.<\/span><\/p>\n                                \n                                \n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                            \n                \n                <div class=\"faq__item faq-item anim anim-fade-up\" data-faq-item>\n                                            <h4 class=\"faq-item__question title-s\">\n                            <button class=\"faq-item__trigger\" type=\"button\" id=\"faq-trigger-3\"\n                                    aria-expanded=\"false\" aria-controls=\"faq-panel-3\">\n                                <span>What is the difference between general liability and tenant liability?<\/span>\n\n                                <svg class=\"faq-item__icon\" aria-hidden=\"true\" width=\"15\" height=\"8\">\n                                    <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                <\/svg>\n                            <\/button>\n                        <\/h4>\n                    \n                                            <div class=\"faq-item__answer-wrap\" id=\"faq-panel-3\" role=\"region\"\n                                                                    aria-labelledby=\"faq-trigger-3\"\n                                >\n                            <div class=\"faq-item__answer wysiwyg\">\n                                                                    <p><span style=\"font-weight: 400\">These two coverages are often confused, but they respond to different types of claims.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400\"><b>General liability<\/b><span style=\"font-weight: 400\"> may respond when a client, visitor, or other third party alleges bodily injury or property damage connected to your operations. It can also include defence costs, subject to the policy wording.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Tenant\u2019s liability<\/b><span style=\"font-weight: 400\"> may respond if you cause damage to the building, you rent and your landlord makes a claim against you. A fire, water damage, or other incident affecting the rented premises should be reviewed based on the lease, insurer requirements, limits, and policy wording.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">The two coverages are complementary. A restaurant operating as a tenant may need both: general liability for claims involving clients or other third parties, and tenant\u2019s liability for damage to the rented building. A broker can help structure these coverages within one commercial insurance policy when available.<\/span><\/p>\n                                \n                                \n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                            \n                \n                <div class=\"faq__item faq-item anim anim-fade-up\" data-faq-item>\n                                            <h4 class=\"faq-item__question title-s\">\n                            <button class=\"faq-item__trigger\" type=\"button\" id=\"faq-trigger-4\"\n                                    aria-expanded=\"false\" aria-controls=\"faq-panel-4\">\n                                <span>Can a broker cover both my tourist accommodation and my dining room?<\/span>\n\n                                <svg class=\"faq-item__icon\" aria-hidden=\"true\" width=\"15\" height=\"8\">\n                                    <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                <\/svg>\n                            <\/button>\n                        <\/h4>\n                    \n                                            <div class=\"faq-item__answer-wrap\" id=\"faq-panel-4\" role=\"region\"\n                                                                    aria-labelledby=\"faq-trigger-4\"\n                                >\n                            <div class=\"faq-item__answer wysiwyg\">\n                                                                    <p><span style=\"font-weight: 400\">Often, yes. Many tourism and hospitality businesses combine more than one activity under the same roof. A hotel with a restaurant, a B&amp;B that serves breakfast, or an outfitter with cabins, meals, rentals, and guided activities are examples. These activities may be insured under one commercial insurance policy when the insurer agrees, and the activities are properly disclosed.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Grouping your coverage can simplify insurance management and reduce the risk of gaps between separate policies. A broker can review all of your activities, including accommodation, food service, alcohol, activities, equipment, and business interruption exposure.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Speak with a La Turquoise broker to review insurance coverage options for all of your activities and request a quote.<\/span><\/p>\n                                \n                                \n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                    <\/div>\n    <\/section>\n\n    <section class=\"personal-articles container reveal\">\n        <div class=\"personal-articles__header anim anim-fade-left\">\n            <div class=\"personal-articles__content\">\n                                    <h2 class=\"personal-articles__title title-l\">\n                        Practical tips for everyday life                    <\/h2>\n                \n                \n                <a href=\"https:\/\/laturquoise.ca\/en\/blog\/\" class=\"personal-articles__link btn btn--white-outlined-green\" aria-label=\"View all our tips\"><span>View all our tips<\/span><\/a>            <\/div>\n\n            <div class=\"personal-articles__nav\" aria-label=\"Navigation du carrousel d\u2019articles\">\n                <button class=\"personal-articles__arrow personal-articles__arrow--prev swiper-button-prev\"\n                        type=\"button\" aria-label=\"Article pr\u00e9c\u00e9dent\">\n                    <svg class=\"personal-articles__arrow-icon\" aria-hidden=\"true\" width=\"25\" height=\"22\">\n                        <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-left\"\/>\n                    <\/svg>\n                <\/button>\n\n                <button class=\"personal-articles__arrow personal-articles__arrow--next swiper-button-next\"\n                        type=\"button\" aria-label=\"Article suivant\">\n                    <svg class=\"personal-articles__arrow-icon\" aria-hidden=\"true\" width=\"25\" height=\"22\">\n                        <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-right\"\/>\n                    <\/svg>\n                <\/button>\n            <\/div>\n        <\/div>\n\n        <div class=\"personal-articles__slider anim anim-fade-up\">\n            <div class=\"swiper personal-articles-slider-js\">\n                <ul class=\"personal-articles__wrapper swiper-wrapper\">\n                                            \n                        <li class=\"personal-articles__slide swiper-slide\">\n                            \n<article class=\"post-card\">\n    <a class=\"post-card__overlay-link\"\n       href=\"https:\/\/www.laturquoise.ca\/en\/end-of-the-agricultural-season\/\"\n       aria-label=\"Read article: End of the agricultural season\"><\/a>\n\n    <div class=\"post-card__media\">\n        \n        <img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"301\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2194911890-e1787579690233-1024x301.jpg\" class=\"img-cover\" alt=\"Farmer reviewing crop fields at the end of the season to assess the year and plan future operations.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2194911890-e1787579690233-1024x301.jpg 1024w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2194911890-e1787579690233-300x88.jpg 300w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2194911890-e1787579690233-768x226.jpg 768w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2194911890-e1787579690233.jpg 1285w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" title=\"Farmer reviewing crop fields at the end of the season to assess the year and plan future operations.\" \/>    <\/div>\n\n    <div class=\"post-card__body\">\n                    <ul class=\"post-card__tags\" aria-label=\"Cat\u00e9gories\">\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/businesses\/\">\n                            Businesses                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/coverage-explained\/\">\n                            Coverage Explained                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/farm-businesses\/\">\n                            Farm Businesses                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/la-turquoise\/\">\n                            La Turquoise                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/practical-advice\/\">\n                            Practical Advice                        <\/a>\n                    <\/li>\n                            <\/ul>\n        \n        <h3 class=\"post-card__title title-m\">\n            End of the agricultural season        <\/h3>\n\n        <div class=\"post-card__bottom\">\n            <div class=\"post-card__meta\">\n                <time class=\"post-card__date\" datetime=\"2026-08-24\">\n                    08\/24\/2026                <\/time>\n\n                                    <span class=\"post-card__meta-sep\" aria-hidden=\"true\"><\/span>\n                    <span class=\"post-card__read-time\">\n                        6 min                    <\/span>\n                            <\/div>\n\n                            <span class=\"post-card__arrow\" aria-hidden=\"true\">\n                    <svg class=\"post-card__arrow-icon\" aria-hidden=\"true\" width=\"21\" height=\"18\">\n                        <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-more\"\/>\n                    <\/svg>\n                <\/span>\n                    <\/div>\n    <\/div>\n<\/article>                        <\/li>\n                                            \n                        <li class=\"personal-articles__slide swiper-slide\">\n                            \n<article class=\"post-card\">\n    <a class=\"post-card__overlay-link\"\n       href=\"https:\/\/www.laturquoise.ca\/en\/cyberattacks-in-smes-risks-and-cyber-insurance\/\"\n       aria-label=\"Read article: Cyberattacks and SMEs: understanding cyber risks and the role of cyber insurance\"><\/a>\n\n    <div class=\"post-card__media\">\n        \n        <img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2220462827-1024x683.jpg\" class=\"img-cover\" alt=\"Employ\u00e9e analysant un \u00e9cran d\u2019ordinateur dans un contexte de cybers\u00e9curit\u00e9 en entreprise.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2220462827-1024x683.jpg 1024w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2220462827-300x200.jpg 300w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2220462827-768x513.jpg 768w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2220462827.jpg 1254w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" title=\"Employ\u00e9e analysant un \u00e9cran d\u2019ordinateur dans un contexte de cybers\u00e9curit\u00e9 en entreprise.\" \/>    <\/div>\n\n    <div class=\"post-card__body\">\n                    <ul class=\"post-card__tags\" aria-label=\"Cat\u00e9gories\">\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/businesses\/\">\n                            Businesses                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/coverage-explained\/\">\n                            Coverage Explained                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/cybersecurity\/\">\n                            Cybersecurity                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/general-advice\/\">\n                            General Advice                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/la-turquoise\/\">\n                            La Turquoise                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/practical-advice\/\">\n                            Practical Advice                        <\/a>\n                    <\/li>\n                            <\/ul>\n        \n        <h3 class=\"post-card__title title-m\">\n            Cyberattacks and SMEs: understanding cyber risks and the role of cyber insurance        <\/h3>\n\n        <div class=\"post-card__bottom\">\n            <div class=\"post-card__meta\">\n                <time class=\"post-card__date\" datetime=\"2026-08-23\">\n                    08\/23\/2026                <\/time>\n\n                                    <span class=\"post-card__meta-sep\" aria-hidden=\"true\"><\/span>\n                    <span class=\"post-card__read-time\">\n                        8 min                    <\/span>\n                            <\/div>\n\n                            <span class=\"post-card__arrow\" aria-hidden=\"true\">\n                    <svg class=\"post-card__arrow-icon\" aria-hidden=\"true\" width=\"21\" height=\"18\">\n                        <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-more\"\/>\n                    <\/svg>\n                <\/span>\n                    <\/div>\n    <\/div>\n<\/article>                        <\/li>\n                                            \n                        <li class=\"personal-articles__slide swiper-slide\">\n                            \n<article class=\"post-card\">\n    <a class=\"post-card__overlay-link\"\n       href=\"https:\/\/www.laturquoise.ca\/en\/insurance-broker-in-quebec-role-and-benefits\/\"\n       aria-label=\"Read article: Role, benefits and differences from a direct insurer\"><\/a>\n\n    <div class=\"post-card__media\">\n        \n        <img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"466\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-1462696665-1-e1787589697326-1024x466.jpg\" class=\"img-cover\" alt=\"Insurance broker presenting policy documents to a client during a consultation meeting.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-1462696665-1-e1787589697326-1024x466.jpg 1024w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-1462696665-1-e1787589697326-300x137.jpg 300w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-1462696665-1-e1787589697326-768x350.jpg 768w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-1462696665-1-e1787589697326.jpg 1252w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" title=\"Insurance broker presenting policy documents to a client during a consultation meeting.\" \/>    <\/div>\n\n    <div class=\"post-card__body\">\n                    <ul class=\"post-card__tags\" aria-label=\"Cat\u00e9gories\">\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/automotive\/\">\n                            Automotive                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/businesses\/\">\n                            Businesses                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/cybersecurity\/\">\n                            Cybersecurity                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/general-advice\/\">\n                            General Advice                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/home\/\">\n                            Home                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/la-turquoise\/\">\n                            La Turquoise                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/personal\/\">\n                            Personal                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/recreational-vehicles\/\">\n                            Recreational Vehicles                        <\/a>\n                    <\/li>\n                            <\/ul>\n        \n        <h3 class=\"post-card__title title-m\">\n            Role, benefits and differences from a direct insurer        <\/h3>\n\n        <div class=\"post-card__bottom\">\n            <div class=\"post-card__meta\">\n                <time class=\"post-card__date\" datetime=\"2026-08-23\">\n                    08\/23\/2026                <\/time>\n\n                                    <span class=\"post-card__meta-sep\" aria-hidden=\"true\"><\/span>\n                    <span class=\"post-card__read-time\">\n                        4 min                    <\/span>\n                            <\/div>\n\n                            <span class=\"post-card__arrow\" aria-hidden=\"true\">\n                    <svg class=\"post-card__arrow-icon\" aria-hidden=\"true\" width=\"21\" height=\"18\">\n                        <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-more\"\/>\n                    <\/svg>\n                <\/span>\n                    <\/div>\n    <\/div>\n<\/article>                        <\/li>\n                                            \n                        <li class=\"personal-articles__slide swiper-slide\">\n                            \n<article class=\"post-card\">\n    <a class=\"post-card__overlay-link\"\n       href=\"https:\/\/www.laturquoise.ca\/en\/career-opportunities-in-property-and-casualty-insurance\/\"\n       aria-label=\"Read article: Career opportunities in property and casualty insurance\"><\/a>\n\n    <div class=\"post-card__media\">\n        \n        <img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"403\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Gestionnaires_FemmeNoire_HommeCaucasien-1-scaled-e1787495210593-1024x403.jpg\" class=\"img-cover\" alt=\"Business people working on laptops during a meeting\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Gestionnaires_FemmeNoire_HommeCaucasien-1-scaled-e1787495210593-1024x403.jpg 1024w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Gestionnaires_FemmeNoire_HommeCaucasien-1-scaled-e1787495210593-300x118.jpg 300w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Gestionnaires_FemmeNoire_HommeCaucasien-1-scaled-e1787495210593-768x303.jpg 768w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Gestionnaires_FemmeNoire_HommeCaucasien-1-scaled-e1787495210593.jpg 1198w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>    <\/div>\n\n    <div class=\"post-card__body\">\n                    <ul class=\"post-card__tags\" aria-label=\"Cat\u00e9gories\">\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/careers\/\">\n                            Careers                        <\/a>\n                    <\/li>\n                            <\/ul>\n        \n        <h3 class=\"post-card__title title-m\">\n            Career opportunities in property and casualty insurance        <\/h3>\n\n        <div class=\"post-card__bottom\">\n            <div class=\"post-card__meta\">\n                <time class=\"post-card__date\" datetime=\"2026-08-21\">\n                    08\/21\/2026                <\/time>\n\n                                    <span class=\"post-card__meta-sep\" aria-hidden=\"true\"><\/span>\n                    <span class=\"post-card__read-time\">\n                        4 min                    <\/span>\n                            <\/div>\n\n                            <span class=\"post-card__arrow\" aria-hidden=\"true\">\n                    <svg class=\"post-card__arrow-icon\" aria-hidden=\"true\" width=\"21\" height=\"18\">\n                        <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-more\"\/>\n                    <\/svg>\n                <\/span>\n                    <\/div>\n    <\/div>\n<\/article>                        <\/li>\n                                            \n                        <li class=\"personal-articles__slide swiper-slide\">\n                            \n<article class=\"post-card\">\n    <a class=\"post-card__overlay-link\"\n       href=\"https:\/\/www.laturquoise.ca\/en\/building-a-meaningful-career\/\"\n       aria-label=\"Read article: Building a meaningful career through real impact\"><\/a>\n\n    <div class=\"post-card__media\">\n        \n        <img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"321\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Femme_Meeting-1-scaled-e1787328988413-1024x321.jpg\" class=\"img-cover\" alt=\"LaTurquoise_MarqueEmployeur_Femme_Meeting\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Femme_Meeting-1-scaled-e1787328988413-1024x321.jpg 1024w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Femme_Meeting-1-scaled-e1787328988413-300x94.jpg 300w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Femme_Meeting-1-scaled-e1787328988413-768x241.jpg 768w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Femme_Meeting-1-scaled-e1787328988413-1536x482.jpg 1536w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Femme_Meeting-1-scaled-e1787328988413-2048x643.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>    <\/div>\n\n    <div class=\"post-card__body\">\n                    <ul class=\"post-card__tags\" aria-label=\"Cat\u00e9gories\">\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/careers\/\">\n                            Careers                        <\/a>\n                    <\/li>\n                            <\/ul>\n        \n        <h3 class=\"post-card__title title-m\">\n            Building a meaningful career through real impact        <\/h3>\n\n        <div class=\"post-card__bottom\">\n            <div class=\"post-card__meta\">\n                <time class=\"post-card__date\" datetime=\"2026-06-25\">\n                    06\/25\/2026                <\/time>\n\n                                    <span class=\"post-card__meta-sep\" aria-hidden=\"true\"><\/span>\n                    <span class=\"post-card__read-time\">\n                        5 min                    <\/span>\n                            <\/div>\n\n                            <span class=\"post-card__arrow\" aria-hidden=\"true\">\n                    <svg class=\"post-card__arrow-icon\" aria-hidden=\"true\" width=\"21\" height=\"18\">\n                        <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-more\"\/>\n                    <\/svg>\n                <\/span>\n                    <\/div>\n    <\/div>\n<\/article>                        <\/li>\n                                            \n                        <li class=\"personal-articles__slide swiper-slide\">\n                            \n<article class=\"post-card\">\n    <a class=\"post-card__overlay-link\"\n       href=\"https:\/\/www.laturquoise.ca\/en\/breaking-into-property-and-casualty-insurance-the-real-path\/\"\n       aria-label=\"Read article: Breaking into property and casualty insurance: the real path\"><\/a>\n\n    <div class=\"post-card__media\">\n        \n        <img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1588289996-1024x683.jpg\" class=\"img-cover\" alt=\"Professional exchange around documents in an office setting. Illustration related to entering a career in property and casualty insurance in Qu\u00e9bec.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1588289996-1024x683.jpg 1024w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1588289996-300x200.jpg 300w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1588289996-768x512.jpg 768w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1588289996.jpg 1254w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" title=\"Professional exchange around documents in an office setting. Illustration related to entering a career in property and casualty insurance in Qu\u00e9bec.\" \/>    <\/div>\n\n    <div class=\"post-card__body\">\n                    <ul class=\"post-card__tags\" aria-label=\"Cat\u00e9gories\">\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/careers\/\">\n                            Careers                        <\/a>\n                    <\/li>\n                            <\/ul>\n        \n        <h3 class=\"post-card__title title-m\">\n            Breaking into property and casualty insurance: the real path        <\/h3>\n\n        <div class=\"post-card__bottom\">\n            <div class=\"post-card__meta\">\n                <time class=\"post-card__date\" datetime=\"2026-06-03\">\n                    06\/03\/2026                <\/time>\n\n                                    <span class=\"post-card__meta-sep\" aria-hidden=\"true\"><\/span>\n                    <span class=\"post-card__read-time\">\n                        5 min                    <\/span>\n                            <\/div>\n\n                            <span class=\"post-card__arrow\" aria-hidden=\"true\">\n                    <svg class=\"post-card__arrow-icon\" aria-hidden=\"true\" width=\"21\" height=\"18\">\n                        <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-more\"\/>\n                    <\/svg>\n                <\/span>\n                    <\/div>\n    <\/div>\n<\/article>                        <\/li>\n                                    <\/ul>\n            <\/div>\n\n            <div class=\"personal-articles__pagination swiper-pagination\"><\/div>\n        <\/div>\n    <\/section>\n    \n\n\n<section class=\"needs-cards container reveal\">\n            <div class=\"needs-cards__content wysiwyg anim anim-fade-up\">\n            <h2>Insurance solutions designed for your everyday needs<\/h2>\n<p><span style=\"font-weight: 400\">Because every situation is different, we help you review insurance solutions based on your property, activities, operations, and business risks.<\/span><\/p>\n        <\/div>\n    \n            <ul class=\"needs-cards__list\">\n                            \n                <li class=\"needs-cards__item anim anim-fade-up\">\n                    <a class=\"need-card\" href=\"https:\/\/www.laturquoise.ca\/en\/programs\/tourism-hospitality-and-travel\/acta-travel-professionals\/\"\n                            >\n                                                    <div class=\"need-card__icon\" aria-hidden=\"true\">\n                                <img decoding=\"async\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/icone21_recadree.svg\" class=\"attachment-full size-full\" alt=\"Voyage\" \/>                            <\/div>\n                        \n                        <h3 class=\"need-card__title title-m\">\n                            Travel Agencies and Travel Advisors (ACTA)                        <\/h3>\n                    <\/a>\n                <\/li>\n                            \n                <li class=\"needs-cards__item anim anim-fade-up\">\n                    <a class=\"need-card\" href=\"https:\/\/www.laturquoise.ca\/en\/programs\/tourism-hospitality-and-travel\/hospitality-association-hotellerie-quebec\/\"\n                            >\n                                                    <div class=\"need-card__icon\" aria-hidden=\"true\">\n                                <img decoding=\"async\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/icone17_recadree.svg\" class=\"attachment-full size-full\" alt=\"H\u00f4tellerie\" \/>                            <\/div>\n                        \n                        <h3 class=\"need-card__title title-m\">\n                            Association des h\u00f4teliers du Qu\u00e9bec                        <\/h3>\n                    <\/a>\n                <\/li>\n                            \n                <li class=\"needs-cards__item anim anim-fade-up\">\n                    <a class=\"need-card\" href=\"https:\/\/www.laturquoise.ca\/en\/personal\/\"\n                            >\n                                                    <div class=\"need-card__icon\" aria-hidden=\"true\">\n                                <img decoding=\"async\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/05\/needs-cards-icon-2.svg\" class=\"attachment-full size-full\" alt=\"needs-cards-icon-2\" \/>                            <\/div>\n                        \n                        <h3 class=\"need-card__title title-m\">\n                            Personal line                        <\/h3>\n                    <\/a>\n                <\/li>\n                            \n                <li class=\"needs-cards__item anim anim-fade-up\">\n                    <a class=\"need-card\" href=\"https:\/\/www.laturquoise.ca\/en\/business\/\"\n                            >\n                                                    <div class=\"need-card__icon\" aria-hidden=\"true\">\n                                <img decoding=\"async\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/05\/needs-cards-icon-4.svg\" class=\"attachment-full size-full\" alt=\"needs-cards-icon-4\" \/>                            <\/div>\n                        \n                        <h3 class=\"need-card__title title-m\">\n                            Commercial line                        <\/h3>\n                    <\/a>\n                <\/li>\n                    <\/ul>\n    <\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"featured_media":0,"parent":0,"menu_order":0,"template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-4977","program","type-program","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Tourism, hospitality and travel insurance | La Turquoise<\/title>\n<meta name=\"description\" content=\"Hotel, B&amp;B, restaurant, bar, outfitter, campground or travel agency in Quebec: protect your tourism or hospitality business with insurance coverage adapted to your operations. 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