{"id":20101,"date":"2025-05-13T10:12:35","date_gmt":"2025-05-13T14:12:35","guid":{"rendered":"https:\/\/www.assur360.ca\/business-insurance-3-minute-quote\/hostel-insurance-get-a-quick-quote\/"},"modified":"2026-06-26T03:55:40","modified_gmt":"2026-06-26T07:55:40","slug":"hostel-insurance-get-a-quick-quote","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/hostel-insurance-get-a-quick-quote\/","title":{"rendered":"Auberge Qu\u00e9bec 2026 insurance: tourist accommodation"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"InsuranceAgency\", \"name\": \"Assur360 \u2014 Inn and Tourist Lodge Insurance\", \"url\": \"https:\/\/www.assur360.ca\/\", \"logo\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2023\/10\/logo-assur360.png\", \"telephone\": \"+1-866-357-4451\", \"email\": \"info@assur360.ca\", \"address\": {\"@type\": \"PostalAddress\", \"streetAddress\": \"133 rue Notre-Dame Ouest\", \"addressLocality\": \"Thetford Mines\", \"addressRegion\": \"QC\", \"postalCode\": \"G6G 1J5\", \"addressCountry\": \"CA\"}, \"areaServed\": {\"@type\": \"AdministrativeArea\", \"name\": \"Quebec\"}, \"serviceType\": \"Inn and Tourist Accommodation Insurance\", \"priceRange\": \"$$\", \"hasCredential\": [{\"@type\": \"EducationalOccupationalCredential\", \"credentialCategory\": \"AMF (Autorit\u00e9 des march\u00e9s financiers)\"}, {\"@type\": \"EducationalOccupationalCredential\", \"credentialCategory\": \"Chamber of Insurance (ChAD)\"}]}<\/script>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\"><strong>Assur360<\/strong>, an <strong>AMF-certified<\/strong> independent broker, supports <strong>operators of inns, bed and breakfasts, youth hostels, B&amp;Bs, boutique hotels and tourist accommodations<\/strong> in Quebec. Our specialized brokers understand the requirements of the Ministry of Tourism, the <strong>RACJ<\/strong>, the <strong>MAPAQ<\/strong> and the CNESST for your sector. <\/p>\n\n<div style=\"display:flex;align-items:center;gap:40px;margin:40px 0 56px;background:linear-gradient(145deg,#f8fafc,#f0f9ff);border-radius:20px;padding:40px;border:1px solid #e2e8f0;flex-wrap:wrap;\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/assurance-uber-vtc-covoiturage.jpg\" alt=\"Uber\/VTC service \u2014 Assur360 insurance\" style=\"width:45%;max-width:420px;border-radius:16px;flex-shrink:0;height:auto;\" loading=\"lazy\"\/>\n  <div style=\"flex:1;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">IN BRIEF<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;font-family:'Sora',sans-serif;\"><span class=\"ez-toc-section\" id=\"Uber-Lyft-and-ride-sharing-insurance\"><\/span>Uber, Lyft and ride-sharing insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\">Uber\/Lyft drivers in Quebec must maintain <strong>commercial insurance<\/strong>, separate from their personal insurance. Without this coverage, your personal policy is cancelled on the first paid transport. <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Solution:<\/strong> 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. <\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">HOSTEL QUOTE<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Hostel-and-tourist-accommodation-insurance-Quebec-2026\"><\/span>Hostel and tourist accommodation insurance Quebec 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">RC, property, loss of income, food poisoning, alcohol, fire. 9+ insurers in 3 minutes. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Get my free quote<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\">\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">9+<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Insurers Compared<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">13<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Partner Firms QC<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">3 min<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Online Quote<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">100 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Free, no obligation<\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-insure-your-hostel-or-bed-and-breakfast\"><\/span>Why insure your hostel or bed and breakfast<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">A hostel has a wide variety of risks: high-value buildings that are often old, 24\/7 customers with security obligations, regulated alcohol service, restaurants with the risk of intoxication, seasonality and dependence on reputation. A major fire has destroyed several historic inns in Quebec in recent years, causing losses of millions. <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udd25<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Fire (risk #1)<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Often old wooden buildings, active kitchens, fireplaces and wood stoves in the bedrooms: fire is the major risk. <strong>Property + loss of income coverage<\/strong> should reflect the <strong>replacement<\/strong> cost of the building, not the book value. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udf7d\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Food poisoning<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">A single incident can close your hostel temporarily and ruin your online reputation. <strong>Product liability<\/strong> covers claims, MAPAQ fees and recalls. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udf77<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Alcohol Liability (RACJ)<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Serving alcohol makes you responsible for your customers&#8217; behavior. <strong>The Host Liquor Liability<\/strong> is required by the RACJ and protects you against accidents caused by intoxicated customers. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Essential-Coverages-for-a-Hostel-in-Quebec\"><\/span>Essential Coverages for a Hostel in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udee1\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Commercial Liability $2M+<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Covers guest injuries in the hostel, damage to their property, service-related lawsuits. $5 million recommended with spa, pool or activities. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfe8<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Commercial property at replacement cost<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Building, furniture, kitchen equipment, appliances, bedding. Prefer <strong>replacement value<\/strong> rather than book value. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcc9<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Business interruption 12-24 months<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Compensates for loss of income after a loss, including the customer escalation period. Critical for establishments with high seasonality. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udf7d\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Product Responsibility (Catering)<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Food poisoning, allergies, hygiene. Mandatory as soon as you serve meals (lunch included, table d&#8217;h\u00f4te, restaurant). <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udf7a<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Alcohol Host (RACJ)<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Mandatory for all liquor licenses. Minimum $2 million limit. Responsible protocols required by the RACJ.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcbb<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Cyber and Customer Data (Bill 25)<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Protection of booking data, credit cards (PCI-DSS), personal information. Bill 25 fines up to $25 million. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Steps-to-get-your-hostel-quote\"><\/span>Steps to get your hostel quote<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\">\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">1<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Fill out the online form<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">3 minutes: number of rooms, services offered (restaurant, bar, spa, swimming pool), value of the building, turnover, history.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">2<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">A specialist hotel broker will contact you<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Our AMF-certified brokers know the particularities of Quebec inns and B<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">3<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Comparison of 9+ hotel insurers<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">We solicit insurers who accept hostels (Intact, Aviva, Northbridge, Unica, Economical, Ecclesiastical).<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">4<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Sign and receive your certificates<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Certificates for the Ministry of Tourism, RACJ, MAPAQ, mortgage creditor issued quickly.<\/p><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\ud83d\udca1<\/div>\n  <div>\n    <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">Fire protection advice<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">Install an <strong style=\"color:#ffffff;\">automatic sprinkler system<\/strong>, <strong style=\"color:#ffffff;\">photoelectric detectors<\/strong> in each room, and a posted evacuation plan. These measures can <strong style=\"color:#ffffff;\">reduce your premium by 15-30%<\/strong> and are often required for heritage wood inns. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2026-Indicative-Rates-%E2%80%94-Auberge-Quebec\"><\/span>2026 Indicative Rates \u2014 Auberge Qu\u00e9bec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n<table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n<thead><tr style=\"background:#0d1f2d;color:#ffffff;\">\n<th style=\"padding:14px 16px;text-align:left;border:none;\">Type of establishment<\/th>\n<th style=\"padding:14px 16px;text-align:left;border:none;\">Capacity<\/th>\n<th style=\"padding:14px 16px;text-align:left;border:none;\">Estimated annual premium<\/th>\n<\/tr><\/thead>\n<tbody>\n<tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Bed and<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Breakfast3-6 bedrooms<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\"><strong>$3,000 \u2013 $6,500<\/strong><\/td><\/tr>\n<tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Hostel<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">10-40 beds<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\"><strong>$5,500 \u2013 $11,000<\/strong><\/td><\/tr>\n<tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Small inn-restaurant<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">8-15 rooms + restaurant<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\"><strong>$7,500 \u2013 $14,000<\/strong><\/td><\/tr>\n<tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Medium inn with spa<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">15-30 rooms + services<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\"><strong>$12,000 \u2013 $22,000<\/strong><\/td><\/tr>\n<tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Boutique hotel or upscale inn<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">30-80 rooms + restaurant\/bar\/spa<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\"><strong>$20,000 \u2013 $45,000<\/strong><\/td><\/tr>\n<\/tbody><\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*Indicative rates 2026. <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\">Get your exact price in 3 minutes<\/a>.<\/p>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\u26a0\ufe0f<\/div>\n  <div>\n    <p style=\"color:#991b1b;font-weight:700;font-size:16px;margin:0 0 8px;\">Common pitfalls among hostel operators<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0;line-height:1.6;\">Undervaluation of the building (<strong>book value vs. replacement cost<\/strong>), operating loss at 6 months instead of 24, exclusion of undeclared fireplaces\/wood stoves, lack of alcohol coverage despite a RACJ permit. <strong>Have your policy reviewed annually<\/strong> by an independent broker.<\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">SAVE IN 3 MIN<\/p>\n  <h3 style=\"color:#ffffff;font-size:26px;margin:0 0 16px;\">Compare 9+ Hospitality Insurers<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Get the best rates for your inn or B in Quebec.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Compare 9+ insurers<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"We-cover-hostels-all-over-Quebec\"><\/span>We cover hostels all over Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Our AMF-certified brokers support inn and B operators in <strong>Quebec City<\/strong>, <strong>Charlevoix<\/strong>, <strong>Saguenay\u2013Lac-Saint-Jean<\/strong>, <strong>Mont-Tremblant<\/strong>, <strong>Laurentians<\/strong>, <strong>Eastern Townships<\/strong>, <strong>Bas-Saint-Laurent<\/strong>, <strong>Gasp\u00e9sie<\/strong> and <strong>Montreal<\/strong>. Heritage inns, bed and breakfasts, boutique hotels, hostels, truck stops. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-articles\"><\/span>Related articles<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Quebec Business Insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Complete Guide to Commercial Coverage<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-camping\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Camping and glamping insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Other tourist accommodation<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/restaurant-insurance-quote-in-3-minutes\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Restaurant insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">For the catering component<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-responsabilite-civile-entreprise\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Commercial General Liability<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">The essential base<\/p>\n  <\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-%E2%80%94-Inn-and-B-insurance\"><\/span>Frequently asked questions \u2014 Inn and B insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:32px 0;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What coverage is mandatory to operate a hostel in Quebec?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">To obtain a <strong>tourist accommodation establishment permit<\/strong> from the Ministry of Tourism and a <strong>RACJ<\/strong> liquor license, you must hold: <strong>Commercial RC of $2 million minimum<\/strong>, <strong>alcohol host liability<\/strong>, <strong>product liability<\/strong> (catering). Property insurance is not legally mandatory, but it is required by mortgage lenders. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How much does insurance cost for a hostel or g\u00eete?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Premiums range from <strong>$3,000 to $30,000<\/strong> per year depending on the number of rooms, the presence of a restaurant\/bar, the value of the building and the history. A small 3-6 bedroom bed and breakfast is between $3,000 and $6,500. A 15-30 room hostel with restaurant: $9,000 to $20,000.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is the hostel covered for food poisoning?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, if you subscribe to <strong>product liability<\/strong> and <strong>commercial liability<\/strong>. These coverages compensate victims of food poisoning, cover legal defence costs, MAPAQ investigation costs and any recalls. Essential for any establishment serving meals.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Am I responsible if a guest is injured in the hostel?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, like any commercial establishment operator. A fall down the stairs, a slip at the spa, a fire in a bedroom, a dog bite from the house: all these incidents involve your <strong>commercial liability insurance<\/strong>. Limit $2 million minimum, often $5 million recommended if spa, pool, alcohol or recreational activities offered.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">My hostel serves alcohol \u2014 what coverage is needed?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Host Liquor Liability<\/strong> is required by the RACJ and covers damage caused by intoxicated customers (accident, fight, violence, damage to third parties). Minimum limit $2 million. Responsible protocols (identification, refusal to serve, ride-around) reduce risk and premiums.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What does business interruption cover for an inn?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Business interruption<\/strong> compensates for income lost after a disaster (fire, flood, pandemic for some policies) during the reconstruction period. For an inn, it must cover 12 to 24 months and include the post-reopening <strong>customer recovery<\/strong> period. Critical because customers take time to return.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Are hostel employees covered by my insurance?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No \u2014 employee protection is provided by the <strong>CNESST<\/strong> (mandatory in Quebec for all employers) and by <strong>possible group insurance<\/strong>. Your commercial policy covers your liability to customers and third parties, not the injuries of your employees. Malicious acts by employees (theft, fraud) may be covered by a <strong>Fidelity endorsement<\/strong>.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is cyber coverage necessary for a hostel?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, more and more. The hostels process <strong>credit card data<\/strong> (PCI-DSS), personal information (Law 25), online reservations. A cyberattack on the reservation system or POS can cost tens of thousands of dollars in notifications, fines, and business interruption. Cost: $800 to $2,500\/year.   <\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"What coverages are mandatory to operate a hostel in Quebec?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"To obtain a <strong>tourist accommodation establishment permit from the Ministry of Tourism and a RACJ alcohol permit<\/strong>, you must have: <strong>$2M minimum commercial liability,<\/strong> <strong>host liquor liability,<\/strong> <strong>product liability (catering). Property insurance is not legally required but is demanded by mortgage lenders.\"}}, {\"@type\": \"Question\", \"name\": \"How much does insurance for a hostel or guesthouse cost?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Premiums range from <strong>$3,000 to $30,000 per year depending on the number of rooms, the presence of a restaurant\/bar, the value of the building, and the history. A small guesthouse with 3-6 rooms is between $3,000 and $6,500. A hostel with 15-30 rooms and a restaurant: $9,000 to $20,000.\"}}, {\"@type\": \"Question\", \"name\": \"Is the hostel covered in case of food poisoning?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes, if you subscribe to <strong>product liability and commercial liability.<\/strong> These coverages compensate victims of food poisoning, cover legal defense costs, MAPAQ investigation costs, and potential recalls. Essential for any establishment serving meals.\"}}, {\"@type\": \"Question\", \"name\": \"Am I responsible if a guest gets injured in the hostel?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes, like any operator of a commercial establishment. A fall down the stairs, a slip at the spa, a fire in a room, a bite from the house dog: all these incidents engage your <strong>commercial liability.<\/strong> Minimum limit $2M, often $5M recommended if a spa, pool, alcohol, or recreational activities are offered.\"}}, {\"@type\": \"Question\", \"name\": \"My hostel serves alcohol \u2014 what coverage is necessary?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"The <strong>host liquor liability<\/strong> is required by the RACJ and covers damages caused by intoxicated guests (accidents, fights, violence, damages to third parties). Minimum limit $2M. Responsible protocols (identification, refusal to serve, transportation) reduce risk and premiums.\"}}, {\"@type\": \"Question\", \"name\": \"What does business interruption coverage for a hostel cover?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Business interruption coverage compensates for lost income after a loss (fire, flood, pandemic for certain policies) during the reconstruction period. For a hostel, it should cover 12 to 24 months and include the <strong>post-reopening customer recovery period. Critical as it takes time for customers to return.<\/strong>\"}}, {\"@type\": \"Question\", \"name\": \"Are hostel employees covered by my insurance?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"No \u2014 employee protection is through the <strong>CNESST (mandatory in Quebec for all employers)<\/strong> and possibly <strong>group insurance.<\/strong> Your commercial policy covers your liability to customers and third parties, not injuries to your employees. Employee malicious acts (theft, fraud) may be covered by a <strong>theft endorsement (crime).<\/strong>\"}}, {\"@type\": \"Question\", \"name\": \"Is cyber coverage necessary for a hostel?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes, increasingly so. Hostels handle <strong>credit card data (PCI-DSS), personal information (Law 25), online reservations.<\/strong> A cyberattack on the reservation system or POS can cost tens of thousands of dollars in notifications, fines, and business interruption losses. Cost: $800 to $2,500\/year.\"}}]}<!-- wpml:html_fragment <\/strong><\/script>  --\n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:12px;\">\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>AMF<\/strong> certified firm<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>Chamber of Insurance<\/strong> Members<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>100,000+<\/strong> submissions processed<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>13 partner firms<\/strong> in Quebec<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>9+<\/strong> insurers compared<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>Independent<\/strong> brokers<\/span><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">FREE QUOTE<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Ready to protect your hostel?<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Get your quote in 3 minutes. No obligation, 100% free. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;margin-bottom:8px;\">Get My Quote<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;margin-bottom:8px;\">Call a broker<\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"BreadcrumbList\", \"itemListElement\": [{\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Home\", \"item\": \"https:\/\/www.assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Business Insurance\", \"item\": \"https:\/\/www.assur360.ca\/assurance-entreprise\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Hostel Insurance\", \"item\": \"https:\/\/www.assur360.ca\/assurance-auberge\/\"}]}<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Assur360, an AMF-certified independent broker, supports operators of inns, bed and breakfasts, youth hostels, B&amp;Bs, boutique hotels and tourist accommodations in Quebec. [&hellip;]<\/p>\n","protected":false},"author":44,"featured_media":26931,"parent":15787,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Auberge Qu\u00e9bec 2026 insurance: tourist accommodation","_seopress_titles_desc":"Hostel insurance 2026: liability, property, alcohol, intoxication, loss of income. Free quote in 3 min, 30+ hotel insurers compared. ","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"Hostel Insurance: Get a Quick Quote","_seopress_social_fb_desc":"Auberge Insurance: fast, free and adapted quote. Compare the offers of the best insurers in Quebec. 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