{"id":72596,"date":"2026-06-03T00:58:32","date_gmt":"2026-06-03T04:58:32","guid":{"rendered":"https:\/\/www.assur360.ca\/powersports-insurance-in-quebec-2026-circuits-clubs-races\/"},"modified":"2026-06-26T03:53:38","modified_gmt":"2026-06-26T07:53:38","slug":"powersports-insurance-in-quebec-2026-circuits-clubs-races","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/powersports-insurance-in-quebec-2026-circuits-clubs-races\/","title":{"rendered":"Powersports Insurance in Quebec 2026 \u2014 Circuits, Clubs, Races"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);color:#fff;padding:64px 32px;border-radius:12px;margin-bottom:32px;\">\n  <div style=\"max-width:900px;margin:0 auto;text-align:center;\">\n    <div style=\"display:inline-block;background:rgba(16,196,199,0.18);border:1px solid #10c4c7;color:#10c4c7;padding:6px 14px;border-radius:999px;font-size:13px;font-weight:600;letter-spacing:0.5px;margin-bottom:20px;\">SPECIALIZED PROGRAM IN QUEBEC<\/div>\n    <h1 style=\"font-size:42px;line-height:1.15;margin:0 0 18px;font-weight:800;\"><span class=\"ez-toc-section\" id=\"Powersports-Insurance-Circuits-clubs-races-events\"><\/span>Powersports Insurance<br \/><span style=\"color:#10c4c7;\">Circuits, clubs, races, events<\/span><span class=\"ez-toc-section-end\"><\/span><\/h1>\n    <p style=\"font-size:18px;line-height:1.55;color:#cbd5e1;margin:0 0 28px;\">One program for <strong>venue owners<\/strong>, <strong>event promoters<\/strong> , and <strong>race teams<\/strong>. Compare coverage via Assur360, an independent comparison platform in conjunction with AMF-certified partner firms. <\/p>\n    <a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-quote-5\/\" style=\"display:inline-block;background:#10c4c7;color:#0d1f2d;padding:16px 32px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;box-shadow:0 4px 14px rgba(16,196,199,0.4);\">Request a free quote \u2192<\/a>\n  <\/div>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin:32px 0 48px;text-align:center;\">\n  <div style=\"background:#fff;padding:24px 12px;border-radius:10px;border:1px solid #e2e8f0;\">\n    <div style=\"font-size:32px;font-weight:800;color:#10c4c7;line-height:1;\">50+<\/div>\n    <div style=\"font-size:13px;color:#64748b;margin-top:8px;font-weight:500;\">Indoor sports activities<\/div>\n  <\/div>\n  <div style=\"background:#fff;padding:24px 12px;border-radius:10px;border:1px solid #e2e8f0;\">\n    <div style=\"font-size:32px;font-weight:800;color:#10c4c7;line-height:1;\">7<\/div>\n    <div style=\"font-size:13px;color:#64748b;margin-top:8px;font-weight:500;\">Types of coverage included<\/div>\n  <\/div>\n  <div style=\"background:#fff;padding:24px 12px;border-radius:10px;border:1px solid #e2e8f0;\">\n    <div style=\"font-size:32px;font-weight:800;color:#10c4c7;line-height:1;\">AMF<\/div>\n    <div style=\"font-size:13px;color:#64748b;margin-top:8px;font-weight:500;\">Certified partner firms<\/div>\n  <\/div>\n  <div style=\"background:#fff;padding:24px 12px;border-radius:10px;border:1px solid #e2e8f0;\">\n    <div style=\"font-size:32px;font-weight:800;color:#10c4c7;line-height:1;\">24h<\/div>\n    <div style=\"font-size:13px;color:#64748b;margin-top:8px;font-weight:500;\">Average response time<\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Who-is-powersports-insurance-for\"><\/span>Who is powersports insurance for?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">The powersports insurance program in Quebec is aimed at three main categories of risks that traditional insurers often refuse. Here is in detail who it is intended for. <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin:24px 0 40px;\">\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;padding:24px;border-radius:8px;\">\n    <div style=\"font-size:28px;margin-bottom:10px;\">\ud83c\udfc1<\/div>\n    <h3 style=\"margin:0 0 12px;font-size:18px;color:#0d1f2d;\">Site Owners<\/h3>\n    <ul style=\"margin:0;padding-left:20px;color:#475569;line-height:1.7;font-size:14px;\">\n      <li>Race Tracks<\/li>\n      <li>Motocross ATV Parks<\/li>\n      <li>Road route<\/li>\n      <li>Oval tracks<\/li>\n      <li>Drag Sites<\/li>\n      <li>Go-kart tracks<\/li>\n      <li>Off-piste sites<\/li>\n    <\/ul>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;padding:24px;border-radius:8px;\">\n    <div style=\"font-size:28px;margin-bottom:10px;\">\ud83c\udf9f\ufe0f<\/div>\n    <h3 style=\"margin:0 0 12px;font-size:18px;color:#0d1f2d;\">Promoters, clubs and associations<\/h3>\n    <p style=\"margin:0 0 8px;color:#475569;font-size:14px;line-height:1.6;\">For your one-off or recurring special events: races, exhibitions, demonstrations, thrill shows.<\/p>\n    <p style=\"margin:0;color:#475569;font-size:13px;font-style:italic;\">\u2192 Full list of eligible events below.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;padding:24px;border-radius:8px;\">\n    <div style=\"font-size:28px;margin-bottom:10px;\">\ud83c\udfc6<\/div>\n    <h3 style=\"margin:0 0 12px;font-size:18px;color:#0d1f2d;\">Teams and professionals<\/h3>\n    <ul style=\"margin:0;padding-left:20px;color:#475569;line-height:1.7;font-size:14px;\">\n      <li>Racing teams (stables)<\/li>\n      <li>Professional Pilots<\/li>\n      <li>Flight Schools<\/li>\n      <li>Preparers and mechanics<\/li>\n      <li>Event Organizers<\/li>\n    <\/ul>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Coverage-included-in-the-program\"><\/span>Coverage included in the program<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Depending on your risk profile, the program combines multiple benefits into a single policy, simplifying management and avoiding coverage gaps between separate insurers.<\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin:24px 0 40px;\">\n  <div style=\"background:#fff;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;padding:18px 22px;border-radius:6px;\">\n    <h4 style=\"margin:0 0 6px;font-size:16px;color:#0d1f2d;\">\ud83c\udfe2 Buildings and equipment<\/h4>\n    <p style=\"margin:0;color:#64748b;font-size:14px;line-height:1.5;\">Garages, paddocks, control towers, spectator infrastructure, rolling stock, tools.<\/p>\n  <\/div>\n  <div style=\"background:#fff;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;padding:18px 22px;border-radius:6px;\">\n    <h4 style=\"margin:0 0 6px;font-size:16px;color:#0d1f2d;\">\ud83d\udee3\ufe0f Tracks<\/h4>\n    <p style=\"margin:0;color:#64748b;font-size:14px;line-height:1.5;\">Running surface, slides, bridges, signage, track lighting.<\/p>\n  <\/div>\n  <div style=\"background:#fff;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;padding:18px 22px;border-radius:6px;\">\n    <h4 style=\"margin:0 0 6px;font-size:16px;color:#0d1f2d;\">\u2696\ufe0f Civil liability<\/h4>\n    <p style=\"margin:0;color:#64748b;font-size:14px;line-height:1.5;\">Bodily injury and property damage caused to third parties: spectators, local residents, rented equipment.<\/p>\n  <\/div>\n  <div style=\"background:#fff;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;padding:18px 22px;border-radius:6px;\">\n    <h4 style=\"margin:0 0 6px;font-size:16px;color:#0d1f2d;\">\ud83d\ude91 Accident insurance<\/h4>\n    <p style=\"margin:0;color:#64748b;font-size:14px;line-height:1.5;\">Compensation for injuries during an event, regardless of the fault.<\/p>\n  <\/div>\n  <div style=\"background:#fff;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;padding:18px 22px;border-radius:6px;\">\n    <h4 style=\"margin:0 0 6px;font-size:16px;color:#0d1f2d;\">\ud83c\udfce\ufe0f Responsibility of participants<\/h4>\n    <p style=\"margin:0;color:#64748b;font-size:14px;line-height:1.5;\">Covers pilots for damage they cause to other participants or facilities.<\/p>\n  <\/div>\n  <div style=\"background:#fff;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;padding:18px 22px;border-radius:6px;\">\n    <h4 style=\"margin:0 0 6px;font-size:16px;color:#0d1f2d;\">\ud83d\udc54 Directors and Officers (DO)<\/h4>\n    <p style=\"margin:0;color:#64748b;font-size:14px;line-height:1.5;\">Protects the board of directors of a club or association from personal lawsuits.<\/p>\n  <\/div>\n  <div style=\"background:#fff;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;padding:18px 22px;border-radius:6px;\">\n    <h4 style=\"margin:0 0 6px;font-size:16px;color:#0d1f2d;\">\ud83d\udd27 Competition Vehicles<\/h4>\n    <p style=\"margin:0;color:#64748b;font-size:14px;line-height:1.5;\">Direct damage to the vehicle (collision, fire, theft) \u2014 coverage rare on the standard market.<\/p>\n  <\/div>\n  <div style=\"background:#fff;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;padding:18px 22px;border-radius:6px;\">\n    <h4 style=\"margin:0 0 6px;font-size:16px;color:#0d1f2d;\">\u2795 And more<\/h4>\n    <p style=\"margin:0;color:#64748b;font-size:14px;line-height:1.5;\">Event cancellation, transportation, equipment breakdown, medical expenses. Depending on the insurer and the contract. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Eligible-activities-events-and-competitions\"><\/span>Eligible activities, events and competitions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">The program covers more than 50 disciplines and motorized event formats. Here is a non-exhaustive overview of the activities for which we can obtain a quote. <\/p>\n\n<div style=\"background:#f8fafc;padding:28px;border-radius:10px;margin:24px 0 40px;border:1px solid #e2e8f0;\">\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:32px;\">\n    <div>\n      <h4 style=\"margin:0 0 12px;color:#0d1f2d;font-size:15px;text-transform:uppercase;letter-spacing:0.5px;\">Motor racing<\/h4>\n      <ul style=\"margin:0;padding-left:20px;color:#475569;line-height:1.9;font-size:14px;\">\n        <li>Auto slalom \/ Autocross \/ IceX<\/li>\n        <li>Off-road, rally or racing clubs<\/li>\n        <li>Ice racing<\/li>\n        <li>Demolition Derby<\/li>\n        <li>Drag<\/li>\n        <li>Lapping \/ Time Attack \/ Solo \/ Drift<\/li>\n        <li>Rally (including rallycross)<\/li>\n        <li>Successful driving school<\/li>\n      <\/ul>\n    <\/div>\n    <div>\n      <h4 style=\"margin:0 0 12px;color:#0d1f2d;font-size:15px;text-transform:uppercase;letter-spacing:0.5px;\">Motorcycles, ATVs, Snowmobiles<\/h4>\n      <ul style=\"margin:0;padding-left:20px;color:#475569;line-height:1.9;font-size:14px;\">\n        <li>Motorcycle racing in all classes<\/li>\n        <li>Snowmobile racing<\/li>\n        <li>Mountain bike races<\/li>\n        <li>Freestyle Motorcycle<\/li>\n        <li>Motorcycle Events Activities<\/li>\n      <\/ul>\n      <h4 style=\"margin:18px 0 12px;color:#0d1f2d;font-size:15px;text-transform:uppercase;letter-spacing:0.5px;\">Shows and unusual events<\/h4>\n      <ul style=\"margin:0;padding-left:20px;color:#475569;line-height:1.9;font-size:14px;\">\n        <li>Go-kart<\/li>\n        <li>Monster Truck<\/li>\n        <li>Tractor and truck shooting<\/li>\n        <li>Lawn mower racing<\/li>\n        <li>Thrill shows<\/li>\n        <li>Car Shows<\/li>\n      <\/ul>\n    <\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-apply-in-4-steps\"><\/span>How to apply in 4 steps<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:18px;margin:24px 0 40px;\">\n  <div style=\"display:flex;gap:18px;align-items:flex-start;\">\n    <div style=\"flex-shrink:0;width:36px;height:36px;border-radius:50%;background:#10c4c7;color:#0d1f2d;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:16px;\">1<\/div>\n    <div><h4 style=\"margin:0 0 4px;color:#0d1f2d;\">Fill out the online form<\/h4><p style=\"margin:0;color:#64748b;font-size:15px;\">Describe your activity, the venue or event, the expected revenue, and the number of attendees expected.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:18px;align-items:flex-start;\">\n    <div style=\"flex-shrink:0;width:36px;height:36px;border-radius:50%;background:#10c4c7;color:#0d1f2d;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:16px;\">2<\/div>\n    <div><h4 style=\"margin:0 0 4px;color:#0d1f2d;\">A broker contacts you<\/h4><p style=\"margin:0;color:#64748b;font-size:15px;\">A broker from an AMF-certified partner firm will take charge of your file within 24 business hours.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:18px;align-items:flex-start;\">\n    <div style=\"flex-shrink:0;width:36px;height:36px;border-radius:50%;background:#10c4c7;color:#0d1f2d;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:16px;\">3<\/div>\n    <div><h4 style=\"margin:0 0 4px;color:#0d1f2d;\">You compare quotes<\/h4><p style=\"margin:0;color:#64748b;font-size:15px;\">The broker shops with insurers specializing in powersports and presents you with the best options.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:18px;align-items:flex-start;\">\n    <div style=\"flex-shrink:0;width:36px;height:36px;border-radius:50%;background:#10c4c7;color:#0d1f2d;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:16px;\">4<\/div>\n    <div><h4 style=\"margin:0 0 4px;color:#0d1f2d;\">Subscription and certificate<\/h4><p style=\"margin:0;color:#64748b;font-size:15px;\">Once you&#8217;ve chosen your policy, you&#8217;ll receive your certificate of insurance \u2014 often required to rent a circuit or hold an event.<\/p><\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Practical-advice-before-requesting-a-quote\"><\/span>Practical advice before requesting a quote<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);color:#fff;border:2px solid #10c4c7;padding:28px;border-radius:10px;margin:24px 0 40px;\">\n  <h4 style=\"margin:0 0 12px;color:#10c4c7;font-size:18px;\">\ud83d\udca1 Have this information ready to speed up processing<\/h4>\n  <ul style=\"margin:0;padding-left:24px;color:#cbd5e1;line-height:1.8;\">\n    <li>Exact dates and duration of the event (or annual operation for a site)<\/li>\n    <li>Number of participants and spectators expected<\/li>\n    <li>Disciplines practiced and level of risk (amateur vs pro)<\/li>\n    <li>Gross revenue planned or realized last year<\/li>\n    <li>Claims history for the last 5 years (if applicable)<\/li>\n    <li>Site maps, photos of the circuit or race regulations<\/li>\n  <\/ul>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Available-throughout-Quebec\"><\/span>Available throughout Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">The powersports insurance program is offered through our partner firms throughout Quebec, including in the regions of <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Saguenay<\/strong>, <strong>Gatineau<\/strong> and <strong>Drummondville<\/strong>. Brokers are familiar with the specifics of each regional market and the requirements of municipalities for hosting motorized events. <\/p>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;padding:22px;border-radius:8px;margin:24px 0 40px;\">\n  <h4 style=\"margin:0 0 8px;color:#b91c1c;font-size:16px;\">\u26a0\ufe0f Things to remember before hosting an event<\/h4>\n  <p style=\"margin:0;color:#7f1d1d;line-height:1.6;font-size:15px;\">Most municipalities, circuit owners and sports <strong>federations require a valid certificate of insurance<\/strong> before renting a venue or issuing an event permit. Allow 5 to 15 business days to get the contract \u2014 don&#8217;t do it at the last minute. <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Examples-of-scenarios-covered\"><\/span>Examples of scenarios covered<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:24px 0 40px;\">\n<table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n  <thead>\n    <tr style=\"background:#0d1f2d;color:#fff;\">\n      <th style=\"padding:14px;text-align:left;border:1px solid #1a3a4a;\">Scenario<\/th>\n      <th style=\"padding:14px;text-align:left;border:1px solid #1a3a4a;\">Profile concerned<\/th>\n      <th style=\"padding:14px;text-align:left;border:1px solid #1a3a4a;\">Main warranty<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr style=\"background:#f8fafc;\"><td style=\"padding:12px;border:1px solid #e2e8f0;\">A spectator is injured by debris<\/td> Event <td style=\"padding:12px;border:1px solid #e2e8f0;\">promoter<\/td><td style=\"padding:12px;border:1px solid #e2e8f0;\"><strong>Civil liability<\/strong><\/td><\/tr>\n    <tr><td style=\"padding:12px;border:1px solid #e2e8f0;\">A pilot destroys a slide on the circuit<\/td><td style=\"padding:12px;border:1px solid #e2e8f0;\">Driver \/ team<\/td><td style=\"padding:12px;border:1px solid #e2e8f0;\"><strong>Responsibility of participants<\/strong><\/td><\/tr>\n    <tr style=\"background:#f8fafc;\"><td style=\"padding:12px;border:1px solid #e2e8f0;\">Main garage fire in the off-season<\/td><td style=\"padding:12px;border:1px solid #e2e8f0;\">Site owner<\/td><td style=\"padding:12px;border:1px solid #e2e8f0;\"><strong>Buildings and equipment<\/strong><\/td><\/tr>\n    <tr><td style=\"padding:12px;border:1px solid #e2e8f0;\">Stealing a Competition Vehicle at an Event<\/td><td style=\"padding:12px;border:1px solid #e2e8f0;\">Racing Team<\/td><td style=\"padding:12px;border:1px solid #e2e8f0;\"><strong>Competition Vehicle<\/strong><\/td><\/tr>\n    <tr style=\"background:#f8fafc;\"><td style=\"padding:12px;border:1px solid #e2e8f0;\">Lawsuit against the board of directors of a club for a contested decision<\/td><td style=\"padding:12px;border:1px solid #e2e8f0;\">Association \/ club<\/td><td style=\"padding:12px;border:1px solid #e2e8f0;\"><strong>Directors and officers<\/strong><\/td><\/tr>\n    <tr><td style=\"padding:12px;border:1px solid #e2e8f0;\">Pilot injured during training session<\/td> Flight <td style=\"padding:12px;border:1px solid #e2e8f0;\">school<\/td><td style=\"padding:12px;border:1px solid #e2e8f0;\"><strong>Accident insurance<\/strong><\/td><\/tr>\n  <\/tbody>\n<\/table>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-use-Assur360\"><\/span>Why use Assur360?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"background:#f0fdfa;padding:32px;border-radius:10px;margin:24px 0 40px;border:1px solid #99f6e4;\">\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;\">\n    <div><div style=\"color:#10c4c7;font-size:22px;font-weight:800;margin-bottom:6px;\">\u2713 AMF-certified partner firms<\/div><p style=\"margin:0;color:#475569;font-size:14px;line-height:1.6;\">All brokers in the network are members in good standing of the <strong>Chamber of Insurance<\/strong> and of a firm registered with the AMF.<\/p><\/div>\n    <div><div style=\"color:#10c4c7;font-size:22px;font-weight:800;margin-bottom:6px;\">\u2713 Independent comparator<\/div><p style=\"margin:0;color:#475569;font-size:14px;line-height:1.6;\">Assur360 is not an insurer or a firm: we put you in touch with brokers specializing in motorsports.<\/p><\/div>\n    <div><div style=\"color:#10c4c7;font-size:22px;font-weight:800;margin-bottom:6px;\">\u2713 Specialized market<\/div><p style=\"margin:0;color:#475569;font-size:14px;line-height:1.6;\">Traditional insurers often refuse this type of risk. Our brokers have access to MGAs and dedicated programs. <\/p><\/div>\n    <div><div style=\"color:#10c4c7;font-size:22px;font-weight:800;margin-bottom:6px;\">\u2713 More than 100,000 Quebecers served<\/div><p style=\"margin:0;color:#475569;font-size:14px;line-height:1.6;\">A platform used every month by individuals and businesses throughout Quebec.<\/p><\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:24px 0 40px;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:6px;margin-bottom:10px;\"><summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;\">What exactly does my tour or site need to be insured for?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.6;\">At a minimum, civil liability towards spectators and participants, as well as buildings and equipment (fire, theft). If you are leasing the site to developers, ask for a certificate of insurance that names you as an additional insured. <\/div><\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:6px;margin-bottom:10px;\"><summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;\">How much does insurance cost for a one-time event?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.6;\">Premiums are indicative and vary by discipline, number of participants, number of days, expected earnings and claims history. The premium is determined after a complete analysis of the file by the broker. <\/div><\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:6px;margin-bottom:10px;\"><summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;\">Are drivers automatically covered?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.6;\">Not necessarily. The organizer&#8217;s policy usually covers their liability, not the drivers&#8217; liability for their own damages. Professional drivers often take out a separate individual policy (accident, participant liability, competition vehicle).  <\/div><\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:6px;margin-bottom:10px;\"><summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;\">Are the spectators covered?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.6;\">Yes, by the civil liability of the organizer or the owner of the site. Check the contract limits \u2014 $2 million is a minimum for an event with an audience; some municipalities require $5 million. <\/div><\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:6px;margin-bottom:10px;\"><summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;\">Which activities are automatically excluded?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.6;\">This varies depending on the insurer and the contract, but certain very high-risk disciplines (speed records, unsupervised extreme jumps) may be excluded. Discuss openly with your broker the planned activities to avoid surprises. <\/div><\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:6px;margin-bottom:10px;\"><summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;\">Can I insure only one event?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.6;\">Yes, many insurers offer &#8220;one shot&#8221; policies for a specific event. You only pay for the duration (1 to 7 days typically). Ideal for a club that organizes a single annual race.  <\/div><\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:6px;margin-bottom:10px;\"><summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;\">Is my competition vehicle covered by my regular car insurance?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.6;\">No. Personal car insurance policies exclude almost all uses on the track or in competition. You need a specialized &#8220;competition vehicle&#8221; policy that covers direct damage (collision, fire, theft). <\/div><\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:6px;margin-bottom:10px;\"><summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;color:#0d1f2d;\">How long does it take to subscribe to a full program?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.6;\">For a simple event, allow 5 to 10 business days. For a permanent site with several activities, 2 to 4 weeks are to be expected: specialized insurers often ask for plans, photos and detailed information on operations. <\/div><\/details>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);color:#fff;padding:48px 32px;border-radius:12px;margin:32px 0;text-align:center;\">\n  <h2 style=\"color:#fff;margin:0 0 14px;font-size:28px;\"><span class=\"ez-toc-section\" id=\"Ready-to-get-a-quote\"><\/span>Ready to get a quote?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#cbd5e1;margin:0 0 28px;font-size:17px;max-width:600px;margin-left:auto;margin-right:auto;\">Describe your project: site, event or team. A broker from an AMF-certified partner firm will respond to you within 24 business hours. <\/p>\n  <div style=\"display:flex;gap:14px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-quote-5\/\" style=\"display:inline-block;background:#10c4c7;color:#0d1f2d;padding:14px 28px;border-radius:8px;font-weight:700;text-decoration:none;\">Request a free<\/a>\n quote<a href=\"https:\/\/www.assur360.ca\/en\/need-help-contact-assur360-now\/\" style=\"display:inline-block;background:transparent;color:#fff;padding:14px 28px;border-radius:8px;font-weight:700;text-decoration:none;border:2px solid #fff;\">Talk to a broker<\/a>    \n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-Resources\"><\/span>Related Resources<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin:24px 0 40px;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;padding:20px;border-radius:8px;text-decoration:none;color:#0d1f2d;\"><strong style=\"display:block;margin-bottom:4px;\">Business Insurance \u2192<\/strong><span style=\"color:#64748b;font-size:14px;\">General commercial coverage for SMEs in Quebec.<\/span><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/motorcycle-insurance-online-quote\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;padding:20px;border-radius:8px;text-decoration:none;color:#0d1f2d;\"><strong style=\"display:block;margin-bottom:4px;\">Motorcycle insurance \u2192<\/strong><span style=\"color:#64748b;font-size:14px;\">For non-competition road motorcycles.<\/span><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/assurance-vtt-3\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;padding:20px;border-radius:8px;text-decoration:none;color:#0d1f2d;\"><strong style=\"display:block;margin-bottom:4px;\">ATV\/ATV insurance \u2192<\/strong><span style=\"color:#64748b;font-size:14px;\">For off-road recreational use.<\/span><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/snowmobile-insurance-quote-in-3-minutes\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;padding:20px;border-radius:8px;text-decoration:none;color:#0d1f2d;\"><strong style=\"display:block;margin-bottom:4px;\">Snowmobile Insurance \u2192<\/strong><span style=\"color:#64748b;font-size:14px;\">For recreational snowmobiling in Quebec.<\/span><\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[\n{\"@type\":\"Question\",\"name\":\"What exactly does my circuit or site need to be insured for?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"At a minimum, liability coverage for spectators and participants, as well as buildings and equipment. If you are renting the site, require a certificate of insurance naming you as an additional insured.\"}},\n{\"@type\":\"Question\",\"name\":\"How much does insurance for a one-time event cost?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Premiums vary based on the discipline, number of participants, number of days, expected revenue, and claims history. The premium is determined after a complete analysis of the file.\"}},\n{\"@type\":\"Question\",\"name\":\"Are the drivers automatically covered?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Not necessarily. The organizer's policy covers their liability, not that of the drivers for their own damages. 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A specialized competition vehicle policy is needed.\"}},\n{\"@type\":\"Question\",\"name\":\"How long does underwriting take?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"5 to 10 business days for a simple event. 2 to 4 weeks for a permanent site with multiple activities.\"}}\n]}\n<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"BreadcrumbList\",\"itemListElement\":[\n{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.assur360.ca\/\"},\n{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Business Insurance\",\"item\":\"https:\/\/www.assur360.ca\/assurance-entreprise\/\"},\n{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Motorized Sports Insurance\",\"item\":\"https:\/\/www.assur360.ca\/assurance-sports-motorises\/\"}\n]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>SPECIALIZED PROGRAM IN QUEBEC Powersports InsuranceCircuits, clubs, races, events One program for venue owners, event promoters , and race teams. Compare coverage [&hellip;]<\/p>\n","protected":false},"author":49,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Powersports Insurance in Quebec 2026 \u2014 Circuits, Clubs, Races","_seopress_titles_desc":"Insurance program for circuits, motocross parks, racing clubs, promoters and teams. Compare via Assur360. 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