How many lifeguards are required?

According to the area and swimming: rules from the Lifesaving Society. To be documented by position. Directly affects the premium.

Is separate coverage needed for private lessons?

Not in itself, but the educational service must be declared at underwriting to calibrate professional liability.

Are my seasonal employees covered by liability?

Yes, in the course of their duties; the CNESST manages their workplace accidents.

What level of liability is recommended?

Minimum $5 million, often $10 million for a large park or one with high slides.

Coverage for consumables (snack bar, alcohol)?

Yes, via restaurant endorsements and alcohol liability, to be added according to your offering.

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Independent comparator — AMF partner firms

Water park insurance in Quebec

Q: Do I need to declare each slide in the contract?

Yes, their number, height, age/weight limits, and year of installation.

Q: Is adverse weather covered?

Not by default. "Weather contingency" insurance is a specialized option available from some insurers.

Q: Coverage for COVID-19 closure?

Most policies exclude pandemics. Check the endorsements available at your renewal.

For operators of water parks, water slides, splash pads and public beaches in Quebec — liability, infrastructure, lifeguards, visitor injuries.

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Adapted Liability

to your business

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Personalized response

Who is this insurance for?

Whether you are an operator, manager or owner, our specialized partner firms will help you choose the right coverage.

Outdoor water park

Slides, wave pools, rivers with currents. Strong seasonality to be integrated into the contract.

Indoor water park

Activity 12 months, humid and heated environment, additional equipment to be maintained.

Municipal water games

Splash pads, interactive fountains. Often covered by the municipality but sometimes privately managed.

Beach and supervised swimming

Natural body of water with lifeguards. Liability, lifesaving equipment, boats.

Aqua-fitness and swimming lessons

Group lessons, swimming school, instructor certifications.

Rental of a body of water for an event

Birthdays, company outings, tournaments — liability event to be extended.

Why specialized coverage?

Liability

Operating liability

Near drowning, slip injury, wet slipping — potential significant claims.

Lifeguards and programming

Coverage for your certified personnel and their first aid interventions.

Aquatic infrastructure

Pumps, filtration systems, fiberglass slides, non-slip surfaces — breakage that is expensive to cover.

Cancellation due to weather

Short season, dependent on the weather. Bad weather insurance can mitigate losses.

How does it work?

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Fill out the form

A few minutes to describe your business, operations, and locations.

Analysis by a partner firm

An insurance broker from an AMF-registered partner firm will review your file and shop for the best protection.

Receive a personalized quote

Detailed application with coverage, limits and premium applicable to your situation.

Enable coverage

Policy in force, certificate issued quickly, ready for your customers or partners.

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Good to know before your request

Keep a record of lifeguard certifications (Red Cross, Lifesaving Society), slide inspection reports and a written emergency plan. These documents are essential in the event of a complaint.

⚠️ The risk of operating without adequate coverage

A drowning or near-miss at a water park can generate a claim of millions of dollars. Without an appropriate liability coverage (with adequate sub-limits), the farm can be threatened in the long term.

Get Your Quote

Fill out the form below. An insurance broker from a specialized partner firm will contact you with a suitable proposal.

Why use Assur360?

✓ Independent comparator

Assur360 is not a firm; we put you in touch with partner firms and brokers registered with AMF.

✓ AMF Partners

Partner firms are registered with the AMF and supervised by the Chamber of Insurance.

✓ Industry Specialists

Partner firms used to structuring policies for this type of activity.

✓ Free service

You don’t have to pay anything to get quotes and compare bids.

Coverage throughout Quebec

Our partner firms support organizations in Montreal, Quebec City, Laval, Gatineau, Sherbrooke, Trois-Rivières, Saguenay and Lévis, as well as throughout the province.

Frequently asked questions

How many lifeguards do you need to have?

Depending on the area and the swim: Lifesaving Society rules. To be documented by position. Has a direct impact on the premium.

Should every slip be declared in the contract?

Yes, their number, height, age/weight limits and year of installation.

Is the inclement weather covered?

Not by default. Weather contingency insurance is a specialized option available from some insurers.

Coverage for COVID-19 closure?

Most policies exclude the pandemic. Check the endorsements available at your renewal.

Do I need separate coverage for private lessons?

Not in itself, but the educational service must be declared at the time of subscription to calibrate the professional liability.

Are my seasonal employees covered by civil liability?

Yes, in the exercise of their duties; the CNESST also manages their workplace accidents.

What level of CR is recommended?

Minimum $5 million, often $10 million for a large park or with high slides.

Coverage of consumption (snack bar, alcohol)?

Yes, via catering and alcohol liability amendments, to be added according to your offer.

Ready to protect your business?

Describe your project, receive a personalized quote — free of charge, no obligation.

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