Nous utilisons des cookies pour mesurer l’audience et améliorer votre expérience. Vous pouvez accepter ou refuser. Consultez notre https://www.assur360.ca/en/privacy-policy-and-personal-information/.

🏕️

Adventure and ecotourism insurance in Quebec 2026

Civil liability, accidents of active customers, equipment, rescue costs and events: the complete coverage for outfitters, adventure operators, outdoor bases and ecotourism in Quebec.

Free quote in 2 minutes →
$10M+
RC available up to
100+
AMF partner firms
48h
Accelerated issuance
2 min
Online application

Why this insurance is essential in Quebec

Adventure and ecotourism in Quebec — kayaking, canoeing, hiking, mountain biking, climbing, dog sledding, wildlife watching, kitesurfing, paddleboarding — are growing rapidly. With this growth comes a specific framework of requirements: commercial operators must hold civil liability adapted to the sport practiced, and guides must be certified according to the sector (Fédération québécoise des sports cyclistes, ACMG, Eau Vive Québec, Sépaq, etc.).

National parks, municipalities and outfitters generally require a certificate of insurance — typically $2 million to $5 million minimum of CR, sometimes $10 million for steep slope activities or large groups. The insurance must cover not only the client but also the guide, equipment (often expensive) and the costs of rescue in remote areas.

Annual Coverage or Special Event

◆ ANNUAL COVERAGE

For permanent operators

Do you operate continuously — seasonal or yearly? The annual policy covers your entire business activity: regular customers, employees, equipment, premises, vehicles.

  • Seasonal (May-October) or continuous
  • Renewable from year to year
  • Adjustable Endorsements (Volume, Locations)
  • Municipal/park certificates included
◆ SPECIAL EVENT

For one-time activities

Are you organizing a specific event — competition, open house, corporate activity, fundraiser? The special event policy covers this date with no annual commitment.

  • 1 day to several weeks
  • Competitions, demos, festivals
  • NPOs, municipalities, businesses
  • Accelerated Emission (48h)

What your policy covers

🚣

Adventure sports liability

Injury or death of a customer during the activity. Typical limit $2 million to $10 million depending on sport, remoteness and number of participants.

🆘

Rescue costs

Evacuation costs by helicopter, snowmobile, boat or SAR in remote areas — Charlevoix, Côte-Nord, Gaspésie, Nord-du-Québec.

🎒

Equipment and materials

Kayaks, canoes, bicycles, helmets, bivouac equipment, tents, GPS, professional photo equipment used on outings.

👨‍🏫

Professional Liability of Guides

Fault of the certified guide — inappropriate tactical decision, insufficient customer training, non-compliance with safety protocol.

🚐

Transport vehicles

Pickup trucks, equipment transport trailers, customer shuttles, outfitter buses.

📅

Cancellation and postponement

Costs incurred if a multi-day outing is cancelled due to extreme weather, park closures or serious incidents.

How to subscribe in 3 steps

1

Fill out the online form

2 minutes — nature of the activity, volume, dates, desired RC limit. No payment at this stage.

2

Receive your quote

A broker from one of our partner firms certified by the Autorité des marchés financiers (AMF) will contact you with a precise quote within 48 hours.

3

Accept and receive your certificate

Issuance of the certificate of insurance (PDF) within 48 hours. Document that can be used for your municipal permits, rental contracts or Sépaq/SOPFEU certificates.

Frequently asked questions

Which liability insurance for an adventure operator in Quebec?
National parks and Sépaq generally require $2 million to $5 million. High-risk activities (Class IV+ whitewater, alpine climbing, long-distance dog sledding) amount to $10 million. Attestations must include the vehicles and equipment used.
Difference between annual and special event?
The annual covers all commercial outings of an operator during the year (e.g. outfitter that offers kayak packages all summer long). The special event covers a one-time event: adventure race, outdoor festival, charity challenge, corporate outing.
Are independent guides covered?
Not automatically. A freelance guide paid by the operator may be added to the policy as a designated guide, or must have their own professional liability. ACMG, FQME or other certified guides often have an association policy.
What about the increased risk sports (kitesurfing, paragliding, diving)?
These activities require a specific endorsement and sometimes a dedicated policy. The precise declaration of the activities (level, maximum depth in diving, maximum wind in kitesurfing, difference in altitude in paragliding) determines the subscription and the bonus.
Does my multi-risk business insurance cover the adventure?
Rarely. Standard company liability generally excludes risky sports and organized adventure sports. A specialized endorsement or a dedicated ecotourism policy is required.
How much does adventure insurance cost in Quebec in 2026?
The bonuses are indicative. They vary according to the sports practiced, the annual volume of clients, the territory covered (national park, public land, private land), the number of guides and the history of claims. Accurate submission in 2 minutes.
Does it cover outings abroad?
Some policies include outings outside Quebec (United States, other provinces) with prior declaration. International shipments (Patagonia, Nepal, Peru) often require a separate specialized travel policy.
And the responsibility towards volunteers and minors?
Volunteers can be added to the police as designated persons. Minors require a strict protocol: parental consent, supervision ratio, additional training of guides — elements valued by insurers when taking out.

For which cities in Quebec?

Coverage available throughout Québec through our partner firms certified by the Autorité des marchés financiers. We regularly handle cases in Montreal, Quebec City, Laval, Gatineau, Sherbrooke, Trois-Rivières, Saguenay and Lévis, as well as in active tourist regions — Charlevoix, Outaouais, Gaspésie, Côte-Nord, Eastern Townships, Laurentians and Mauricie.

Online quote available 24/7, processed by a human broker during business hours.

Why use Assur360

  • ✓Independent comparison tool — Assur360 does not sell insurance directly. We put you in touch with partner firms certified by the Autorité des marchés financiers.
  • ✓More than 100 AMF partner firms in Quebec — recommendations tailored to your business.
  • ✓Free quote in 2 minutes — no commitment, no payment, no abusive reminders.
  • ✓48-hour accelerated issuance — convenient for urgent certificates (permit, park, room rental).
  • ✓Regulatory compliance — Bill 25, Insurance Chamber, Autorité des marchés financiers.

Ready to get your quote?

2 minutes to fill out the form. A personalized response from a broker from an AMF partner firm within 48 hours.

Free → quoteContact Us

See also on Assur360

Scroll to Top