Auberge Québec 2026 insurance: tourist accommodation

IN BRIEF

Uber, Lyft and ride-sharing insurance

Uber/Lyft drivers in Quebec must maintain commercial insurance, separate from their personal insurance. Without this coverage, your personal policy is cancelled on the first paid transport.

Solution: specific Uber programs exist (integrated into the application) or via independent insurer. Clearly mention your remunerated transport activity to avoid retroactive cancellation in the event of a claim.

Fire (risk #1)

Often old wooden buildings, active kitchens, fireplaces and wood stoves in the bedrooms: fire is the major risk. Property + loss of income coverage should reflect the replacement cost of the building, not the book value.

Food poisoning

A single incident can close your hostel temporarily and ruin your online reputation. Product liability covers claims, MAPAQ fees and recalls.

Alcohol Liability (RACJ)

Serving alcohol makes you responsible for your customers’ behavior. The Host Liquor Liability is required by the RACJ and protects you against accidents caused by intoxicated customers.

Commercial Liability $2M+

Covers guest injuries in the hostel, damage to their property, service-related lawsuits. $5 million recommended with spa, pool or activities.

Commercial property at replacement cost

Building, furniture, kitchen equipment, appliances, bedding. Prefer replacement value rather than book value.

Business interruption 12-24 months

Compensates for loss of income after a loss, including the customer escalation period. Critical for establishments with high seasonality.

Product Responsibility (Catering)

Food poisoning, allergies, hygiene. Mandatory as soon as you serve meals (lunch included, table d’hôte, restaurant).

Alcohol Host (RACJ)

Mandatory for all liquor licenses. Minimum $2 million limit. Responsible protocols required by the RACJ.

Cyber and Customer Data (Bill 25)

Protection of booking data, credit cards (PCI-DSS), personal information. Bill 25 fines up to $25 million.

Fire protection advice

Install an automatic sprinkler system, photoelectric detectors in each room, and a posted evacuation plan. These measures can reduce your premium by 15-30% and are often required for heritage wood inns.

Common pitfalls among hostel operators

Undervaluation of the building (book value vs. replacement cost), operating loss at 6 months instead of 24, exclusion of undeclared fireplaces/wood stoves, lack of alcohol coverage despite a RACJ permit. Have your policy reviewed annually by an independent broker.