{"id":4983,"date":"2026-06-09T12:58:20","date_gmt":"2026-06-09T12:58:20","guid":{"rendered":"https:\/\/la-turquoise.dev-1.hamakmarketingnumerique.com\/?post_type=program&#038;p=4983"},"modified":"2026-08-20T13:11:46","modified_gmt":"2026-08-20T13:11:46","slug":"hospitality-association-hotellerie-quebec","status":"publish","type":"program","link":"https:\/\/www.laturquoise.ca\/en\/programs\/tourism-hospitality-and-travel\/hospitality-association-hotellerie-quebec\/","title":{"rendered":"Association des h\u00f4teliers du Qu\u00e9bec"},"content":{"rendered":"\n<section class=\"program-hero reveal\">\n    <div class=\"program-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=\"program-hero__image 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=\"program-hero__overlay\" aria-hidden=\"true\"><\/div>\n\n    <div class=\"program-hero__wrapper container\">\n        <div class=\"program-hero__content\">\n                            <p class=\"program-hero__eyebrow anim anim-fade-right\">\n                    Hospitality Association H\u00f4tellerie du Qu\u00e9bec                <\/p>\n            \n                            <h1 class=\"program-hero__title anim anim-fade-right\">\n                    Insurance for hotel establishments that are members of the Association H\u00f4tellerie du Qu\u00e9bec                <\/h1>\n            \n            \n                            <div class=\"program-hero__actions anim anim-fade-right\">\n                                            \n<div class=\"cta-dropdown\" data-cta-dropdown>\n    <button class=\"cta-dropdown__trigger btn btn--green\" 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\/contact-us\/\" class=\"program-hero__link program-hero__link--primary btn btn--white\" aria-label=\"Contact your broker\"><span>Contact your broker<\/span><\/a>\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n\n<section class=\"program-coverage 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-2217340697.jpg\" class=\"program-coverage__image\" alt=\"Hotel staff member preparing a bed with a bathrobe and towels while a colleague adjusts a pillow, illustrating hospitality services and insurance in Quebec.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2217340697.jpg 836w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2217340697-200x300.jpg 200w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2217340697-683x1024.jpg 683w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2217340697-768x1152.jpg 768w\" sizes=\"auto, (max-width: 836px) 100vw, 836px\" title=\"Hotel staff member preparing a bed with a bathrobe and towels while a colleague adjusts a pillow, illustrating hospitality services and insurance in Quebec.\" \/>        <\/div>\n\n        <div class=\"program-coverage__content anim anim-fade-right\">\n                            <div class=\"program-coverage__text wysiwyg\">\n                    <h2>An offer for members of the Association H\u00f4tellerie du Qu\u00e9bec (AHQ)<\/h2>\n<p><span style=\"font-weight: 400\">This page is intended for hotels, motels, inns, and bed-and-breakfast establishments that are members of the Association H\u00f4tellerie du Qu\u00e9bec (AHQ). It presents the partnership between the AHQ and La Turquoise, a property and casualty insurance brokerage in Quebec.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Running a hotel means welcoming guests every day, managing buildings, equipment, and staff. It also means dealing with unexpected events that can interrupt your operations. A loss, a claim from a guest, or a cyberattack can happen at any time of year, including during peak season.<\/span><\/p>\n<p><span style=\"font-weight: 400\">This partnership is built around two components. The first covers insurance for your hotel: your physical assets, your general liability, and the continuity of your operations. The second relates to your personal insurance as a member, meaning your auto and home insurance.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Your AHQ membership is the reference point for accessing this offer. Both components are presented on this page.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Are you an AHQ member? Discounts on your auto and home insurance are also available.<\/span><\/p>\n<p><span style=\"font-weight: 400\">A La Turquoise broker confirms your eligibility before underwriting.<\/span><\/p>\n                <\/div>\n            \n                            <div class=\"program-coverage__actions\">\n                                            \n                        <a href=\"#economicez\" class=\"program-coverage__link btn btn--turquoise\" aria-label=\"Discover available discounts\"><span>Discover available discounts<\/span><\/a>\n                                                            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n\n\n<section class=\"program-partnership container reveal\">\n            <div class=\"program-partnership__content wysiwyg anim anim-fade-up\">\n            <h2>A collaboration between La Turquoise and the Association H\u00f4tellerie du Qu\u00e9bec (AHQ)<\/h2>\n<p><span style=\"font-weight: 400\">La Turquoise works with the AHQ to support member establishments in their insurance planning. The approach takes into account the realities specific to Quebec&#8217;s hotel industry.<\/span><\/p>\n        <\/div>\n    \n            <div class=\"program-partnership__actions anim anim-fade-up\">\n            <button class=\"program-partnership__link btn btn--green\" type=\"button\" data-external-link-trigger data-external-url=\"https:\/\/www.hotelleriequebec.com\/%20\" data-external-modal-template=\"block_a6ad888c0f9bcd808fbacdef286db6d4-external-modal\" aria-label=\"Learn more about the AHQ\"><span>Learn more about the AHQ<\/span><\/button>        <\/div>\n    \n                <template id=\"block_a6ad888c0f9bcd808fbacdef286db6d4-external-modal\">\n                    <div data-modal-content>\n                <h2>You are leaving La Turquoise&#8217;s website<\/h2>\n<p><span style=\"font-weight: 400\">This link leads to the website of the Association H\u00f4tellerie du Qu\u00e9bec, a partner on this page. You will find more information about the association there.<\/span><\/p>\n            <\/div>\n        \n                    <span data-modal-continue-label>\n                Continue            <\/span>\n        \n                    <span data-modal-close-label>\n                Stay on this page            <\/span>\n            <\/template>\n        <\/section>\n\n\n\n<section 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=\"advantage-1\">\n                                    <div class=\"program-advantage-card__details\" data-program-advantage-item>\n                        <button class=\"program-advantage-card__details-trigger\" type=\"button\"\n                                id=\"advantage-details-trigger-1\"\n                                aria-expanded=\"false\"\n                                aria-controls=\"advantage-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>Coverages to consider for your hotel establishment<\/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=\"advantage-details-panel-1\"\n                             role=\"region\"\n                             aria-labelledby=\"advantage-details-trigger-1\">\n                            <div class=\"program-advantage-card__details-content wysiwyg\">\n                                <ul>\n<li style=\"font-weight: 400\"><b>Your building in the event of a loss:<\/b><span style=\"font-weight: 400\"> a fire, water damage, or storm can cause serious damage to your establishment. This coverage protects your building at reconstruction cost, if you are the owner.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Your contents and equipment:<\/b><span style=\"font-weight: 400\"> your furniture, bedding, appliances, and kitchen or leisure equipment represent significant value. This coverage covers losses or physical damage to your property in the course of your operations.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Your general liability:<\/b><span style=\"font-weight: 400\"> a guest is injured at your establishment, or damage is caused to a third party. This coverage applies to claims for bodily injury or property damage arising from your hotel operations.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Your business interruption:<\/b><span style=\"font-weight: 400\"> a loss forces you to temporarily close your establishment. This component covers your loss of income during the recovery period.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Your cyber risks:<\/b><span style=\"font-weight: 400\"> your establishment processes personal and financial data from your guests. This coverage covers costs related to a computer incident, including interruption of your reservation systems.\u00a0<\/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=\"advantage-2\">\n                                    <div class=\"program-advantage-card__details\" data-program-advantage-item>\n                        <button class=\"program-advantage-card__details-trigger\" type=\"button\"\n                                id=\"advantage-details-trigger-2\"\n                                aria-expanded=\"false\"\n                                aria-controls=\"advantage-details-panel-2\">\n                            <span class=\"screen-reader-response\">\n                                Discover what this means for your establishment                            <\/span>\n                        <\/button>\n\n                        <div class=\"program-advantage-card__details-summary\">\n                                                            <h2>What this partnership concretely changes for AHQ members<\/h2>\n                            \n                            <span class=\"program-advantage-card__details-more\">\n                                Discover what this means for your establishment\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=\"advantage-details-panel-2\"\n                             role=\"region\"\n                             aria-labelledby=\"advantage-details-trigger-2\">\n                            <div class=\"program-advantage-card__details-content wysiwyg\">\n                                <ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The realities specific to hotel operations are taken into account from the first discussions.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The situations addressed reflect what can happen in an establishment that welcomes guests on a continuous basis.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The partnership framework helps determine what is worth evaluating based on the nature of your activities and facilities.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">This approach makes it possible to better identify potential liabilities depending on the type of establishment and its operating model.<\/span><\/li>\n<\/ul>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                            <\/div>\n            <\/div>\n<\/section>\n\n\n<section id=\"economicez\" class=\"personal-discounts container reveal\">\n            <div class=\"personal-discounts__content wysiwyg anim anim-fade-up\">\n            <h2>Save on your premium<\/h2>\n<p><span style=\"font-weight: 400\">La Turquoise\u2019s insurance brokers will help you find the discounts that apply to your situation. These savings vary depending on your profile and coverage. They make it easy to lower your rates.<\/span><\/p>\n        <\/div>\n    \n            <ul class=\"personal-discounts__list anim anim-fade-up\">\n                            \n                <li class=\"personal-discounts__item\">\n                                            <div class=\"personal-discounts__item-icon\" aria-hidden=\"true\">\n                            <img decoding=\"async\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/05\/personal-discounts-icon-1.svg\" class=\"attachment-full size-full\" alt=\"personal-discounts-icon-1\" \/>                        <\/div>\n                    \n                                            <div class=\"personal-discounts__item-content wysiwyg\">\n                            <h3>Car and home insurance discounts<\/h3>\n<p><span style=\"font-weight: 400\">Bundling auto and home insurance with La Turquoise can lower the premium. The broker explains the possible savings based on the situation.<\/span><\/p>\n                        <\/div>\n                    \n                                            <div class=\"personal-discounts__item-action\">\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        Get an exclusive discount        <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--blue-outlined-white\" aria-label=\"Contact form\"><span>Contact form<\/span><\/a>                            <\/div>\n            <\/div>\n<\/div>                                                    <\/div>\n                                    <\/li>\n                            \n                <li class=\"personal-discounts__item\">\n                                            <div class=\"personal-discounts__item-icon\" aria-hidden=\"true\">\n                            <img decoding=\"async\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/05\/personal-discounts-cta-icon-2.svg\" class=\"attachment-full size-full\" alt=\"personal-discounts-cta-icon-2\" \/>                        <\/div>\n                    \n                                            <div class=\"personal-discounts__item-content wysiwyg\">\n                            <h3>Multiple vehicles<\/h3>\n<p><span style=\"font-weight: 400\">Bundling insurance policies with the same provider may qualify the policyholder for a discount. This option often applies when multiple drivers from the same household are insured together.<\/span><\/p>\n                        <\/div>\n                    \n                                    <\/li>\n                            \n                <li class=\"personal-discounts__item\">\n                                            <div class=\"personal-discounts__item-icon\" aria-hidden=\"true\">\n                            <img decoding=\"async\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/07\/zero-infraction_1_recadree.svg\" class=\"attachment-full size-full\" alt=\"Z\u00e9ro infraction\" \/>                        <\/div>\n                    \n                                            <div class=\"personal-discounts__item-content wysiwyg\">\n                            <h3>Safe driver\/personalized premium program (based on driving habits)<\/h3>\n<p><span style=\"font-weight: 400\">A claims-free driving record may qualify for a discount. Some insurers also offer a program that analyses driving habits and adjusts the premium accordingly.<\/span><\/p>\n                        <\/div>\n                    \n                                    <\/li>\n                    <\/ul>\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>Recommended coverages<\/h2>\n<p><span style=\"font-weight: 400\">Certain coverages may supplement your protection depending on the nature of your activities, your facilities, or your operating model. They are not included by default and are assessed with your broker.<\/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>Equipment breakdown<\/h3>\n<p><span style=\"font-weight: 400\">A failure of your heating system, elevator, or pool equipment can quickly disrupt your operations.<\/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\">An air conditioning system breaks down in the middle of summer.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">An elevator is taken out of service following a mechanical failure.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Laundry equipment is damaged, bringing housekeeping operations to a halt.\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>Cyber risk<\/h3>\n<p><span style=\"font-weight: 400\">Hotel establishments process personal and financial data from their guests every day through their reservation and payment systems.<\/span><\/p>\n                                    \n                                                                            <a class=\"product-protection-card__examples-link\"\n                                           href=\"https:\/\/www.laturquoise.ca\/en\/business\/cyber-insurance\/\">\n                                            Learn more about cyber insurance                                        <\/a>\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\">Ransomware blocks access to the reservation system during peak season.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Guest credit card data is compromised following a breach.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A cyberattack disrupts the establishment\u2019s management systems.\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>Directors and officers liability<\/h3>\n<p><span style=\"font-weight: 400\">Decisions made by the leaders of a hotel establishment in the course of their duties may give rise to claims. These can come from employees, partners, or third parties.<\/span><\/p>\n                                    \n                                                                            <a class=\"product-protection-card__examples-link\"\n                                           href=\"https:\/\/www.laturquoise.ca\/en\/business\/professional-liability\/\">\n                                            Learn more about professional liability                                        <\/a>\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 is implicated following a disputed management decision.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Personal liability for an operational decision falls on a senior officer.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A restructuring leads to claims from business partners.<\/span><\/li>\n<\/ul>\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                    <\/div>\n    <\/section>\n\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 hotel establishments that are AHQ members<\/h2>\n<p><span style=\"font-weight: 400\">Hotel operators often have the same questions before speaking with a broker. This section addresses the most common ones.<\/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 coverages are essential for a hotel establishment 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\">Needs vary depending on your type of accommodation, your facilities, and whether you are an owner or tenant. That said, certain coverages consistently apply to a hotel, motel, or inn in Quebec:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><b>General liability:<\/b><span style=\"font-weight: 400\"> covers claims for bodily injury or property damage caused to third parties in the course of your operations.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Building and contents coverage:<\/b><span style=\"font-weight: 400\"> protects your investment against losses such as fire, water damage, or vandalism.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Business interruption coverage:<\/b><span style=\"font-weight: 400\"> covers your income if a loss forces you to suspend your operations.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Equipment breakdown:<\/b><span style=\"font-weight: 400\"> protects against the failure of your essential systems, such as heating, elevators, or laundry equipment.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Cyber risks:<\/b><span style=\"font-weight: 400\"> covers incidents related to your reservation and payment systems.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">A broker specializing in hotel insurance assesses your full situation to determine what applies to your operations.<\/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 commercial insurance cover damage caused to a guest at my establishment?<\/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\">Yes, that is the role of <\/span><b>general liability<\/b><span style=\"font-weight: 400\">. It applies to incidents occurring in your rooms, common areas, parking lots, or outdoor facilities.<\/span><\/p>\n<p><span style=\"font-weight: 400\">In the hospitality industry, potential liability events are countless:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A guest slips in a corridor or falls on a staircase.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A guest\u2019s personal belongings are damaged.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">An incident occurs in your fitness room, pool, or spa.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">Note: your liability may be engaged even without direct fault on your part. Certain provisions of the Civil Code of Quebec establish liability without fault involving third parties. A broker can identify the risk areas specific to your establishment and verify that your coverage is adequate.<\/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>Am I adequately protected if a loss forces me to temporarily close my establishment?<\/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\">Business interruption coverage applies to this situation, provided this component is included in your policy. It is not part of every standard policy.<\/span><\/p>\n<p><span style=\"font-weight: 400\">In practical terms, this coverage may apply to:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Your loss of income during the recovery period.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Your fixed expenses, such as the salaries of your key employees.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Partial interruption situations: closure of a floor, or suspension of your restaurant or pool operations.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">For an establishment whose revenues are concentrated during peak season, this component is particularly important to evaluate.<\/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>Is my equipment covered in the event of a mechanical or electrical failure?<\/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\">Not automatically. A standard policy covers damage caused by an insured peril, such as fire or water damage. Mechanical or electrical breakdown is typically the subject of a separate coverage.<\/span><\/p>\n<p><span style=\"font-weight: 400\">In the hotel industry, equipment at risk includes:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Heating, air conditioning, and ventilation systems.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Elevators and laundry equipment.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Commercial kitchen refrigeration systems.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Pool or spa equipment.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">The age of your equipment and the availability of parts influence the risk assessment. This component is worth discussing explicitly with your broker.<\/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>As an AHQ member, do I have access to particular benefits in property and casualty insurance?<\/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\">Yes. The partnership between the <\/span><b>Association H\u00f4tellerie du\u00a0Qu\u00e9bec (AHQ)<\/b><span style=\"font-weight: 400\"> and La\u00a0Turquoise is specifically intended for member establishments. It covers two distinct components:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><b>Coverage for your establishment:<\/b><span style=\"font-weight: 400\"> property, general liability, business interruption, and supplementary coverage depending on your type of operation.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Your personal insurance:<\/b><span style=\"font-weight: 400\"> special terms are available in auto and home insurance for AHQ members.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">Your AHQ membership is the condition for accessing this offer.<\/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=\"cta-banner container reveal\">\n            <div class=\"cta-banner__content wysiwyg anim anim-fade-up\">\n            <h2>Protect your business now<\/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=\"needs-cards container reveal\">\n            <div class=\"needs-cards__content wysiwyg anim anim-fade-up\">\n            <h2>Insurance solutions designed for your everyday life<\/h2>\n<p><span style=\"font-weight: 400\">Because every situation is different, we offer coverage tailored to your specific needs, whether it&#8217;s for your personal property, your activities, or your business.<\/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\/\"\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                            Tourism, hospitality and travel                        <\/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\/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                            Association des agences de voyages et conseillers de voyages (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\/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\/personal-discounts-icon-2.svg\" class=\"attachment-full size-full\" alt=\"personal-discounts-icon-2\" \/>                            <\/div>\n                        \n                        <h3 class=\"need-card__title title-m\">\n                            Personal                        <\/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                            Business                        <\/h3>\n                    <\/a>\n                <\/li>\n                    <\/ul>\n    <\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"featured_media":0,"parent":4977,"menu_order":0,"template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-4983","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>Insurance for Association H\u00f4tellerie du Qu\u00e9bec members | La 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