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Quebec Camping Insurance 2026: Campground and Glamping

Assur360, an AMF-certified firm, supports operators of campgrounds, glamping, ready-to-camp and trailer parks in Quebec. Our brokers specializing in tourist accommodation insurance are familiar with the risks specific to this sector: forest fires, swimming accidents, seasonality, cottage fires, high civil liability.

Camping and campground — Assur360 insurance

IN BRIEF

Camping Insurance (Commercial Land)

Campgrounds (CFE, ASSQ members) need extensive coverage: extended liability (fires of unknown cause, pool injuries, children’s accidents), buildings (reception, toilet blocks, convenience store).

Major risk: forest fires in the dry season. Evacuation plan, fire breaks around the perimeter, and specific wildfire coverage are frequent requirements of insurers.

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Quebec Campground Glamping Insurance 2026

Commercial liability, property, loss of income, pool/lake, forest fire. Compare 9+ insurers in 3 minutes.

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Why insure your campground

A campground accumulates the most varied risks of the tourism sector: wooden structures vulnerable to fires, aquatic activities with a high risk of civil liability, an ultra-compressed season that makes the loss of income critical, and a growing threat of forest fires that has already caused the closure of dozens of sites in Quebec in 2023-2024.

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Wildfires and fires

The extreme summers of 2023-2024-2025 have multiplied the number of disasters. A single fire can destroy dozens of cottages, sites, washroom facilities and an entire season. Forest fire coverage must be explicitly confirmed, with clear frankness.

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Water accidents

Swimming pool, beach, lake, water slides: each installation generates a risk of drowning or serious injury. The $2 million+ civil liability and safety measures (lifeguards, signage) are mandatory under penalty of non-compensation.

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Compressed season (loss of revenue)

With 5-6 months of operation in Quebec, a disaster in June can wipe out your entire year. The operating loss must cover the remaining full season, not just the material reconstruction.

Essential Coverages for Camping in Quebec

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Commercial Liability $2M+

Protects against the pursuit of injured campers: slipping, falling trees, drowning, animal bites, gambling accidents. Limit $5 million recommended with pool or beach.

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Commercial Properties

Rental cottage covers, washroom block, reception pavilion, canteen, common areas, recreational facilities (canoes, pedal boats, games). Includes storm damage, hail, flood, vandalism.

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Loss of seasonal income

Compensates for loss of income after a disaster (fire, storm) for the affected season and often the next. Critical for a short season campsite.

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Water liability

Special cover for pool, lake, beach, slides. Often requires lifeguard display, lifesaving equipment, water tests, ratio of supervision.

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Product responsibility (canteen/convenience store)

Food poisoning, hygiene, preservation. Included if you operate a canteen, restaurant, convenience store or catering service.

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Host Liquor Liability

Mandatory with RACJ license. Covers damage caused by intoxicated customers (fight, accident, violence).

Steps to get your camping quote

1

Fill out the online form

3 minutes: number of sites, types (rustic, 3-service, cottages, glamping), aquatic facilities, services (canteen, alcohol), property values.

2

A specialist campsite broker will contact you

Our AMF-certified brokers are familiar with the particularities of the sector (seasonality, forest fire, aquatic).

3

Comparison of 9+ hotel/camping insurers

We solicit insurers who accept campgrounds (Intact, Promutuel, Northbridge, Aviva, Unica, Ecclesiastical).

4

Sign your policy and open the season

Certificates of insurance issued quickly, ready for the opening of the season (Ministry of Tourism, RACJ, municipality).

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Seasonality advice

Ask for an annual policy with monthly billing instead of a seasonal policy. It is often cheaper and the continuity of coverage protects your belongings even out of season (theft, vandalism, winter water damage, storms).

2026 Indicative Rates — Quebec Campground

$
Type of landSites / UnitsEstimated annual premium
Small rustic campground20-50 sites$3,500 – $6,500
3-service family campground50-150 sites$6,500 – $12,500
Campground 150-300 sites + pool150-300 sites + aquatic12,500 – $22,000
Camping + Glamping + Canteen + AlcoholMixed 200+ units$18,000 – $35,000
Regional Mega-Campground + Beach + Entertainment500+ Sites + Multiple Hazards$30,000 – $60,000+

*Indicative rates 2026. Get your exact price in 3 minutes.

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Major risk: forest fire

Since 2023, many insurers have removed wildfire coverage from their default camping policies or added a $25,000+ deductible. Ask in writing for confirmation that the wildfire is covered, the exact deductible, and request a Business Interruption Endorsement by evacuation order.

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Compare 9+ Camping/Hospitality Insurers

Get the best rates for your campground in Quebec.

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We cover campgrounds throughout Quebec

Our AMF-certified brokers support campground operators in Quebec City, Charlevoix, Saguenay–Lac-Saint-Jean, Mauricie, Laurentians, Outaouais, Bas-Saint-Laurent, Gaspésie, Eastern Townships and Montérégie. Rustic campgrounds, 3-services, glamping, ready-to-camp, trailer parks.

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Frequently asked questions — Campground insurance

What coverages are essential for a campground in Quebec?
Critical coverages are: commercial liability $2 million+ (customer accidents), property (cottages, buildings, common areas), loss of revenue (compressed season May-October), product liability (canteen, convenience store), aquatic liability (pool, lake, beach) and forest fire coverage (major issue in Quebec).
How much does campground insurance cost?
Premiums vary from $3,500 to $35,000 per year depending on the number of sites, the presence of infrastructure (pool, beach, slides, comfort station), and the type of campsite (rustic, 3-service, glamping, ready-to-camp). An average lot of 100-200 sites in Quebec is between $7,500 and $15,000 annually.
Is my campsite insured in case of a forest fire?
Yes, but forest fire coverage is not automatic. With the extreme summers of 2023-2024-2025 in Quebec, many insurers have imposed specific deductibles, exclusions or sub-limits. Ask for written confirmation that the wildfire is covered and ask for the exact deductibles (often $5,000 to $25,000).
Am I responsible if a camper is injured on my property?
Yes, as the operator of a commercial establishment, you have an obligation to ensure the safety of your customers. Slipping on a dock, falling trees, drowning, animal bites, swimming pool accidents: all these risks must be covered by your commercial liability insurance. Recommended limit: $2 million minimum, $5 million with a supervised pool or beach.
Do I need to add a cover for the pool or lake?
Yes. Any aquatic facility (swimming pool, private lake with swimming, river, supervised beach) requires special covering. Frequent requirements: lifeguard display, lifeguard/swimmer ratio, lifesaving equipment, water tests (pool). The absence of these measures can lead to a refusal of compensation in the event of a claim.
Are fixed chalets and caravans covered?
Rental cabins and fixed trailers (ready-to-camp, yurts, cabins) belonging to the campground are insured by the operator’s policy. Seasonal clients’ private trailers must be insured individually by their owners, but landlord insurance protects you if their negligence causes a loss to your property.
Is the loss of income covered in the event of a forced closure?
The operating loss covers the loss of income following a material disaster (fire, storm, flood). With a compressed season of 5-6 months in Quebec, this is critical. The Utility Outage Endorsement (Electricity, Water) may be added. Some endorsements also cover evacuation orders (wildfires) for a limited period of time.
My campsite does catering or sells alcohol – what covers?
A canteen, convenience store, restaurant or bar requires product liability coverage (food poisoning), as well as Host Liquor Liability if you serve alcoholic beverages. The RACJ licence often requires this coverage. Minimum limit: $2 million dedicated.
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