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Rafting and river rafting insurance in Quebec 2026

Civil liability, customer accidents, equipment, whitewater rescue: the complete coverage for whitewater rafting operators, rafting schools and rafting events 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

Commercial rafting in Quebec — from the Rouge to the St. Lawrence rapids — involves a real physical risk. Each season, the operator must deal with customers of all levels, changing water conditions, expensive equipment to maintain, and strict safety obligations (certified guides, emergency plans, approved equipment). Insurance is no longer optional: it is the condition for operating.

Most municipalities and park operators require a certificate of civil liability of $2 million to $5 million minimum before authorizing a rafting activity on their territory. A single accident — capsizing, hypothermia, injury to a rock — can generate several hundred thousand dollars in claims. The right font, designed for whitewater risk, makes the difference.

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

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General Liability

Injury, drowning or hypothermia of a client during the descent. Typical limits of $2 million to $10 million depending on the number of customers/day and the level of rapids.

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Customer accidents

Lump sum compensation in the event of injury to a participant, including evacuation and emergency medical care.

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Rescue costs

Emergency evacuation costs by helicopter, rescue boat or SAR (search and rescue) team depending on the river basin.

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Equipment and boats

Rafts, helmets, PFDs, paddles, trailers and bivouac equipment against damage, theft and loss during the activity.

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Responsibility of the guides

Professional misconduct by a certified guide — inadequate instruction, misreading conditions, failure to follow protocol.

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Cancellation for conditions

Compensation if flooding, low water levels, residual ice or serious incidents force the cancellation of a descent that has already been paid.

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

Do you need insurance to go commercial rafting in Quebec?
Yes. All commercial rafting and whitewater rafting operators must hold civil liability, generally $2 million to $5 million minimum required by municipalities, land managers or park operators. For steep rivers or multi-day operations, the recommended limit is $10 million.
What is the difference between annual coverage and special event?
The annual policy covers an operator who offers commercial runs throughout the season (May to October) with a regular volume of customers. The special event covers a one-time activity: raft race, charity downhill, corporate day or competition. Both packages are available through our partner firms.
Are independent guides covered by the operator’s insurance?
Not automatically. A freelance guide paid by the operator may be covered if they are added to the policy as a “designated person” or included in the professional liability endorsement. Otherwise, the guide must have his own professional liability.
Does the insurance cover injuries to participants?
The optional accident benefit pays a lump sum or covers medical expenses not reimbursed by the RAMQ for participants injured during the activity. This does not replace civil liability (which covers lawsuits against the operator).
What happens if the river is in flood on the day of the activity?
With a cancellation guarantee, you recover the costs incurred (transport, equipment rental, administrative costs) if the descent is cancelled due to hydrological conditions deemed dangerous by your chief guide. Without this guarantee, the loss remains at your expense.
How much does rafting insurance cost in Quebec in 2026?
The premiums are indicative and vary according to the volume of customers/year, the level of the rapids (II to V+), the number of guides, the claims history and the limit of liability subscribed. An accurate quote is given to you free of charge in 2 minutes via our form.
Can I insure only one day of the raft race event?
Yes. A special event policy covers a specific day (date, place, number of participants) with no annual commitment. Practical for sports organizations, NPOs or municipalities that organize a one-time event.
My usual business insurance doesn’t cover rafting?
No. Rafting is considered an extreme sport activity with increased risk. You need an endorsement or a dedicated policy — standard commercial liability usually excludes whitewater sports.

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.

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