{"id":74867,"date":"2026-06-08T15:14:49","date_gmt":"2026-06-08T19:14:49","guid":{"rendered":"https:\/\/www.assur360.ca\/quebec-rafting-insurance-2026-rc-5m-assur360\/"},"modified":"2026-06-08T15:15:20","modified_gmt":"2026-06-08T19:15:20","slug":"quebec-rafting-insurance-2026-rc-5m-assur360","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/quebec-rafting-insurance-2026-rc-5m-assur360\/","title":{"rendered":"Quebec Rafting Insurance 2026 | RC $5M+ | Assur360"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);padding:60px 24px;border-radius:14px;text-align:center;color:#fff;margin-bottom:32px;\">\n  <div style=\"font-size:46px;margin-bottom:12px;\">\ud83d\udea3<\/div>\n  <h1 style=\"font-size:42px;font-weight:800;margin:0 0 14px;line-height:1.15;color:#fff;\"><span class=\"ez-toc-section\" id=\"Rafting-and-river-rafting-insurance-in-Quebec-2026\"><\/span>Rafting and river rafting insurance in Quebec 2026<span class=\"ez-toc-section-end\"><\/span><\/h1>\n  <p style=\"font-size:18px;color:#cbd5e1;max-width:840px;margin:0 auto 26px;line-height:1.5;\">Civil liability, customer accidents, equipment, whitewater rescue: the complete coverage for whitewater rafting operators, rafting schools and rafting events in Quebec.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/special-events-insurance-form\/\" style=\"display:inline-block;background:#10c4c7;color:#0d1f2d;padding:16px 38px;border-radius:8px;font-weight:700;font-size:16px;text-decoration:none;\">Free quote in 2 minutes \u2192<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin:32px 0;text-align:center;\">\n  <div style=\"background:#fff;border:1px solid #e2e8f0;border-radius:10px;padding:22px 12px;\"><div style=\"font-size:30px;font-weight:800;color:#10c4c7;\">$10M+<\/div><div style=\"font-size:13px;color:#64748b;margin-top:4px;\">RC available up to<\/div><\/div>\n  <div style=\"background:#fff;border:1px solid #e2e8f0;border-radius:10px;padding:22px 12px;\"><div style=\"font-size:30px;font-weight:800;color:#10c4c7;\">100+<\/div><div style=\"font-size:13px;color:#64748b;margin-top:4px;\">AMF partner firms<\/div><\/div>\n  <div style=\"background:#fff;border:1px solid #e2e8f0;border-radius:10px;padding:22px 12px;\"><div style=\"font-size:30px;font-weight:800;color:#10c4c7;\">48h<\/div><div style=\"font-size:13px;color:#64748b;margin-top:4px;\">Accelerated issuance<\/div><\/div>\n  <div style=\"background:#fff;border:1px solid #e2e8f0;border-radius:10px;padding:22px 12px;\"><div style=\"font-size:30px;font-weight:800;color:#10c4c7;\">2 min<\/div><div style=\"font-size:13px;color:#64748b;margin-top:4px;\">Online application<\/div><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-this-insurance-is-essential-in-Quebec\"><\/span>Why this insurance is essential in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"wp-block-paragraph\">Commercial rafting in Quebec \u2014 from the Rouge to the St. Lawrence rapids \u2014 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.  <\/p><p class=\"wp-block-paragraph\"><strong>Most municipalities and park operators<\/strong> require a certificate of civil liability <strong>of $2 million to $5 million<\/strong> minimum before authorizing a rafting activity on their territory. A single accident \u2014 capsizing, hypothermia, injury to a rock \u2014 can generate several hundred thousand dollars in claims. The right font, designed for whitewater risk, makes the difference.  <\/p>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Annual-Coverage-or-Special-Event\"><\/span>Annual Coverage or Special Event<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:1fr 1fr;gap:24px;margin:24px 0;\">\n  <div style=\"background:#f0fdfa;border:2px solid #10c4c7;border-radius:14px;padding:30px;\">\n    <div style=\"font-size:11px;letter-spacing:2px;text-transform:uppercase;color:#10c4c7;font-weight:800;margin-bottom:10px;\">\u25c6 ANNUAL COVERAGE<\/div>\n    <h3 style=\"margin:0 0 14px;font-size:22px;color:#0d1f2d;\">For permanent operators<\/h3>\n    <p style=\"color:#334155;font-size:15px;line-height:1.7;margin:0 0 14px;\">Do you operate continuously \u2014 seasonal or yearly? The annual policy covers your entire business activity: regular customers, employees, equipment, premises, vehicles. <\/p>\n    <ul style=\"color:#334155;font-size:14px;line-height:1.8;margin:0;padding-left:20px;\">\n      <li>Seasonal (May-October) or continuous<\/li>\n      <li>Renewable from year to year<\/li>\n      <li>Adjustable Endorsements (Volume, Locations)<\/li>\n      <li>Municipal\/park certificates included<\/li>\n    <\/ul>\n  <\/div>\n  <div style=\"background:#fff;border:2px solid #0d1f2d;border-radius:14px;padding:30px;\">\n    <div style=\"font-size:11px;letter-spacing:2px;text-transform:uppercase;color:#0d1f2d;font-weight:800;margin-bottom:10px;\">\u25c6 SPECIAL EVENT<\/div>\n    <h3 style=\"margin:0 0 14px;font-size:22px;color:#0d1f2d;\">For one-time activities<\/h3>\n    <p style=\"color:#334155;font-size:15px;line-height:1.7;margin:0 0 14px;\">Are you organizing a specific event \u2014 competition, open house, corporate activity, fundraiser? The special event policy covers this date with no annual commitment. <\/p>\n    <ul style=\"color:#334155;font-size:14px;line-height:1.8;margin:0;padding-left:20px;\">\n      <li>1 day to several weeks<\/li>\n      <li>Competitions, demos, festivals<\/li>\n      <li>NPOs, municipalities, businesses<\/li>\n      <li>Accelerated Emission (48h)<\/li>\n    <\/ul>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-your-policy-covers\"><\/span>What your policy covers<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:24px 0;\">\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:10px;padding:24px;border:1px solid #e2e8f0;\">\n    <div style=\"font-size:28px;margin-bottom:10px;\">\ud83d\udedf<\/div>\n    <h3 style=\"margin:0 0 10px;font-size:17px;color:#0d1f2d;\">General Liability<\/h3>\n    <p style=\"margin:0;color:#475569;font-size:14px;line-height:1.55;\">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. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:10px;padding:24px;border:1px solid #e2e8f0;\">\n    <div style=\"font-size:28px;margin-bottom:10px;\">\ud83d\udea3<\/div>\n    <h3 style=\"margin:0 0 10px;font-size:17px;color:#0d1f2d;\">Customer accidents<\/h3>\n    <p style=\"margin:0;color:#475569;font-size:14px;line-height:1.55;\">Lump sum compensation in the event of injury to a participant, including evacuation and emergency medical care.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:10px;padding:24px;border:1px solid #e2e8f0;\">\n    <div style=\"font-size:28px;margin-bottom:10px;\">\ud83c\udd98<\/div>\n    <h3 style=\"margin:0 0 10px;font-size:17px;color:#0d1f2d;\">Rescue costs<\/h3>\n    <p style=\"margin:0;color:#475569;font-size:14px;line-height:1.55;\">Emergency evacuation costs by helicopter, rescue boat or SAR (search and rescue) team depending on the river basin.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:10px;padding:24px;border:1px solid #e2e8f0;\">\n    <div style=\"font-size:28px;margin-bottom:10px;\">\u2693<\/div>\n    <h3 style=\"margin:0 0 10px;font-size:17px;color:#0d1f2d;\">Equipment and boats<\/h3>\n    <p style=\"margin:0;color:#475569;font-size:14px;line-height:1.55;\">Rafts, helmets, PFDs, paddles, trailers and bivouac equipment against damage, theft and loss during the activity.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:10px;padding:24px;border:1px solid #e2e8f0;\">\n    <div style=\"font-size:28px;margin-bottom:10px;\">\ud83d\udc68\u200d\ud83c\udfeb<\/div>\n    <h3 style=\"margin:0 0 10px;font-size:17px;color:#0d1f2d;\">Responsibility of the guides<\/h3>\n    <p style=\"margin:0;color:#475569;font-size:14px;line-height:1.55;\">Professional misconduct by a certified guide \u2014 inadequate instruction, misreading conditions, failure to follow protocol.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:10px;padding:24px;border:1px solid #e2e8f0;\">\n    <div style=\"font-size:28px;margin-bottom:10px;\">\ud83d\udeab<\/div>\n    <h3 style=\"margin:0 0 10px;font-size:17px;color:#0d1f2d;\">Cancellation for conditions<\/h3>\n    <p style=\"margin:0;color:#475569;font-size:14px;line-height:1.55;\">Compensation if flooding, low water levels, residual ice or serious incidents force the cancellation of a descent that has already been paid.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-subscribe-in-3-steps\"><\/span>How to subscribe in 3 steps<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:18px;margin:24px 0;\">\n  <div style=\"display:flex;gap:18px;align-items:flex-start;padding:22px;background:#f8fafc;border-radius:12px;border:1px solid #e2e8f0;\">\n    <div style=\"background:#10c4c7;color:#fff;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;flex-shrink:0;\">1<\/div>\n    <div>\n      <h3 style=\"margin:0 0 6px;font-size:17px;color:#0d1f2d;\">Fill out the online form<\/h3>\n      <p style=\"margin:0;color:#475569;font-size:14px;line-height:1.6;\">2 minutes \u2014 nature of the activity, volume, dates, desired RC limit. No payment at this stage. <\/p>\n    <\/div>\n  <\/div>\n  <div style=\"display:flex;gap:18px;align-items:flex-start;padding:22px;background:#f8fafc;border-radius:12px;border:1px solid #e2e8f0;\">\n    <div style=\"background:#10c4c7;color:#fff;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;flex-shrink:0;\">2<\/div>\n    <div>\n      <h3 style=\"margin:0 0 6px;font-size:17px;color:#0d1f2d;\">Receive your quote<\/h3>\n      <p style=\"margin:0;color:#475569;font-size:14px;line-height:1.6;\">A broker from one of our partner firms certified by the Autorit\u00e9 des march\u00e9s financiers (AMF) will contact you with a precise quote within 48 hours.<\/p>\n    <\/div>\n  <\/div>\n  <div style=\"display:flex;gap:18px;align-items:flex-start;padding:22px;background:#f8fafc;border-radius:12px;border:1px solid #e2e8f0;\">\n    <div style=\"background:#10c4c7;color:#fff;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;flex-shrink:0;\">3<\/div>\n    <div>\n      <h3 style=\"margin:0 0 6px;font-size:17px;color:#0d1f2d;\">Accept and receive your certificate<\/h3>\n      <p style=\"margin:0;color:#475569;font-size:14px;line-height:1.6;\">Issuance of the certificate of insurance (PDF) within 48 hours. Document that can be used for your municipal permits, rental contracts or S\u00e9paq\/SOPFEU certificates. <\/p>\n    <\/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;\">\n  <details style=\"background:#fff;border:1px solid #e2e8f0;border-radius:10px;margin-bottom:12px;\">\n    <summary style=\"background:#f8fafc;padding:18px 22px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:16px;list-style:none;\">Do you need insurance to go commercial rafting in Quebec?<\/summary>\n    <div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;\">Yes. All commercial rafting and whitewater rafting operators must hold civil liability, generally <strong>$2 million to $5 million minimum<\/strong> required by municipalities, land managers or park operators. For steep rivers or multi-day operations, the recommended limit is $10 million. <\/div>\n  <\/details>\n  <details style=\"background:#fff;border:1px solid #e2e8f0;border-radius:10px;margin-bottom:12px;\">\n    <summary style=\"background:#f8fafc;padding:18px 22px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:16px;list-style:none;\">What is the difference between annual coverage and special event?<\/summary>\n    <div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;\">The <strong>annual policy<\/strong> covers an operator who offers commercial runs throughout the season (May to October) with a regular volume of customers. The <strong>special event<\/strong> covers a one-time activity: raft race, charity downhill, corporate day or competition. Both packages are available through our partner firms.  <\/div>\n  <\/details>\n  <details style=\"background:#fff;border:1px solid #e2e8f0;border-radius:10px;margin-bottom:12px;\">\n    <summary style=\"background:#f8fafc;padding:18px 22px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:16px;list-style:none;\">Are independent guides covered by the operator&#8217;s insurance?<\/summary>\n    <div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;\">Not automatically. A freelance guide paid by the operator may be covered if they are added to the policy as a &#8220;designated person&#8221; or included in the professional liability endorsement. Otherwise, the guide must have his own professional liability.  <\/div>\n  <\/details>\n  <details style=\"background:#fff;border:1px solid #e2e8f0;border-radius:10px;margin-bottom:12px;\">\n    <summary style=\"background:#f8fafc;padding:18px 22px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:16px;list-style:none;\">Does the insurance cover injuries to participants?<\/summary>\n    <div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;\">The <strong>optional accident benefit<\/strong> 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). <\/div>\n  <\/details>\n  <details style=\"background:#fff;border:1px solid #e2e8f0;border-radius:10px;margin-bottom:12px;\">\n    <summary style=\"background:#f8fafc;padding:18px 22px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:16px;list-style:none;\">What happens if the river is in flood on the day of the activity?<\/summary>\n    <div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;\">With a <strong>cancellation guarantee<\/strong>, 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. <\/div>\n  <\/details>\n  <details style=\"background:#fff;border:1px solid #e2e8f0;border-radius:10px;margin-bottom:12px;\">\n    <summary style=\"background:#f8fafc;padding:18px 22px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:16px;list-style:none;\">How much does rafting insurance cost in Quebec in 2026?<\/summary>\n    <div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;\">The <em>premiums are indicative<\/em> 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. <\/div>\n  <\/details>\n  <details style=\"background:#fff;border:1px solid #e2e8f0;border-radius:10px;margin-bottom:12px;\">\n    <summary style=\"background:#f8fafc;padding:18px 22px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:16px;list-style:none;\">Can I insure only one day of the raft race event?<\/summary>\n    <div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;\">Yes. A <strong>special event policy<\/strong> 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. <\/div>\n  <\/details>\n  <details style=\"background:#fff;border:1px solid #e2e8f0;border-radius:10px;margin-bottom:12px;\">\n    <summary style=\"background:#f8fafc;padding:18px 22px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:16px;list-style:none;\">My usual business insurance doesn&#8217;t cover rafting?<\/summary>\n    <div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;\">No. Rafting is considered an <strong>extreme sport activity with increased risk<\/strong>. You need an endorsement or a dedicated policy \u2014 standard commercial liability usually excludes whitewater sports. <\/div>\n  <\/details>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"For-which-cities-in-Quebec\"><\/span>For which cities in Quebec?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"background:#f0fdfa;border-radius:12px;padding:28px;margin:24px 0;\">\n  <p style=\"color:#0d1f2d;font-size:15px;line-height:1.7;margin:0 0 12px;\"><strong>Coverage available throughout Qu\u00e9bec<\/strong> through our partner firms certified by the Autorit\u00e9 des march\u00e9s financiers. We regularly handle cases in <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong> and <strong>L\u00e9vis<\/strong>, as well as in active tourist regions \u2014 Charlevoix, Outaouais, Gasp\u00e9sie, C\u00f4te-Nord, Eastern Townships, Laurentians and Mauricie. <\/p>\n  <p style=\"color:#334155;font-size:14px;margin:0;\">Online quote available 24\/7, processed by a human broker during business hours.<\/p>\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;border-radius:14px;padding:30px;margin:24px 0;\">\n  <ul style=\"list-style:none;padding:0;margin:0;color:#0d1f2d;\">\n    <li style=\"padding:8px 0 8px 30px;position:relative;font-size:15px;line-height:1.6;\"><span style=\"position:absolute;left:0;color:#10c4c7;font-weight:800;\">\u2713<\/span><strong>Independent comparison tool<\/strong> \u2014 Assur360 does not sell insurance directly. We put you in touch with partner firms certified by the Autorit\u00e9 des march\u00e9s financiers. <\/li>\n    <li style=\"padding:8px 0 8px 30px;position:relative;font-size:15px;line-height:1.6;\"><span style=\"position:absolute;left:0;color:#10c4c7;font-weight:800;\">\u2713<\/span><strong>More than 100 AMF partner firms<\/strong> in Quebec \u2014 recommendations tailored to your business.<\/li>\n    <li style=\"padding:8px 0 8px 30px;position:relative;font-size:15px;line-height:1.6;\"><span style=\"position:absolute;left:0;color:#10c4c7;font-weight:800;\">\u2713<\/span><strong>Free quote in 2 minutes<\/strong> \u2014 no commitment, no payment, no abusive reminders.<\/li>\n    <li style=\"padding:8px 0 8px 30px;position:relative;font-size:15px;line-height:1.6;\"><span style=\"position:absolute;left:0;color:#10c4c7;font-weight:800;\">\u2713<\/span><strong>48-hour accelerated issuance<\/strong> \u2014 convenient for urgent certificates (permit, park, room rental).<\/li>\n    <li style=\"padding:8px 0 8px 30px;position:relative;font-size:15px;line-height:1.6;\"><span style=\"position:absolute;left:0;color:#10c4c7;font-weight:800;\">\u2713<\/span><strong>Regulatory compliance<\/strong> \u2014 Bill 25, Insurance Chamber, Autorit\u00e9 des march\u00e9s financiers.<\/li>\n  <\/ul>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:48px 32px;text-align:center;margin:40px 0;\">\n  <h2 style=\"color:#fff;font-size:28px;margin:0 0 14px;font-weight:800;\"><span class=\"ez-toc-section\" id=\"Ready-to-get-your-quote\"><\/span>Ready to get your quote?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#cbd5e1;font-size:16px;margin:0 0 28px;max-width:620px;margin-left:auto;margin-right:auto;line-height:1.6;\">2 minutes to fill out the form. A personalized response from a broker from an AMF partner firm within 48 hours. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/special-events-insurance-form\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 38px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:8px;\">Free \u2192<\/a>\n quote<a href=\"https:\/\/www.assur360.ca\/en\/need-help-contact-assur360-now\/\" style=\"background:transparent;border:2px solid #fff;color:#fff;padding:14px 32px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Contact Us<\/a>  \n<\/div>\n\n<div style=\"background:#f8fafc;border-radius:12px;padding:24px;margin:32px 0;border-left:4px solid #10c4c7;\">\n  <p style=\"margin:0 0 8px;font-weight:700;color:#0d1f2d;font-size:14px;\">See also on Assur360<\/p>\n  <div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:12px;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/event-insurance-4\/\" style=\"background:#fff;padding:14px;border-radius:8px;text-decoration:none;color:#0d1f2d;border:1px solid #e2e8f0;font-size:14px;\">\u2192 Special<\/a>\n Events Insurance<a href=\"https:\/\/www.assur360.ca\/en\/wedding-insurance-quebec-2026-price-starting-at-175-assur360\/\" style=\"background:#fff;padding:14px;border-radius:8px;text-decoration:none;color:#0d1f2d;border:1px solid #e2e8f0;font-size:14px;\">\u2192 Wedding<\/a>\n insurance<a href=\"https:\/\/www.assur360.ca\/en\/2026-qc-festival-concert-fashion-show-insurance-assur360\/\" style=\"background:#fff;padding:14px;border-radius:8px;text-decoration:none;color:#0d1f2d;border:1px solid #e2e8f0;font-size:14px;\">\u2192 Festival Insurance<\/a>        \n  <\/div>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"InsuranceAgency\", \"name\": \"Assur360 \u2014 Comparateur ind\u00e9pendant\", \"url\": \"https:\/\/www.assur360.ca\/assurance-rafting\/\", \"description\": \"Assurance rafting au Qu\u00e9bec : RC 5M$, sauvetage en eau vive, \u00e9quipement, accidents clients. Annuelle pour exploitants ou par \u00e9v\u00e9nement. Soumission en 2 min.\", \"areaServed\": {\"@type\": \"State\", \"name\": \"Qu\u00e9bec, Canada\"}}<\/script><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Faut-il une assurance pour faire du rafting commercial au Qu\u00e9bec ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui. Tous les exploitants commerciaux de rafting et de descente en eau vive doivent d\u00e9tenir une responsabilit\u00e9 civile, g\u00e9n\u00e9ralement 2 M$ \u00e0 5 M$ minimum exig\u00e9e par les municipalit\u00e9s, gestionnaires de territoire ou op\u00e9rateurs de parcs. Pour les rivi\u00e8res \u00e0 fort d\u00e9nivel\u00e9 ou les op\u00e9rations multi-jours, la limite recommand\u00e9e monte \u00e0 10 M$.\"}}, {\"@type\": \"Question\", \"name\": \"Quelle est la diff\u00e9rence entre couverture annuelle et \u00e9v\u00e9nement sp\u00e9cial ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"La police annuelle couvre un exploitant qui offre des descentes commerciales toute la saison (mai \u00e0 octobre) avec un volume r\u00e9gulier de clients. L'\u00e9v\u00e9nement sp\u00e9cial couvre une activit\u00e9 ponctuelle : raft race, descente caritative, journ\u00e9e corporative ou comp\u00e9tition. Les deux formules sont disponibles via nos cabinets partenaires.\"}}, {\"@type\": \"Question\", \"name\": \"Les guides ind\u00e9pendants sont-ils couverts par l'assurance de l'exploitant ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Pas automatiquement. Un guide pigiste r\u00e9mun\u00e9r\u00e9 par l'exploitant peut \u00eatre couvert s'il est ajout\u00e9 \u00e0 la police comme \u00ab personne d\u00e9sign\u00e9e \u00bb ou inclus dans l'avenant de responsabilit\u00e9 professionnelle. Sinon, le guide doit d\u00e9tenir sa propre RC professionnelle.\"}}, {\"@type\": \"Question\", \"name\": \"L'assurance couvre-t-elle les blessures aux participants ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"L'indemnit\u00e9 accidents, optionnelle, verse un montant forfaitaire ou couvre les frais m\u00e9dicaux non rembours\u00e9s par la RAMQ pour les participants bless\u00e9s durant l'activit\u00e9. Cela ne remplace pas la responsabilit\u00e9 civile (qui couvre les poursuites contre l'exploitant).\"}}, {\"@type\": \"Question\", \"name\": \"Que se passe-t-il si la rivi\u00e8re est en crue le jour de l'activit\u00e9 ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Avec une garantie annulation, vous r\u00e9cup\u00e9rez les co\u00fbts engag\u00e9s (transport, location d'\u00e9quipement, frais administratifs) si la descente est annul\u00e9e pour conditions hydrologiques jug\u00e9es dangereuses par votre guide en chef. Sans cette garantie, la perte reste \u00e0 votre charge.\"}}, {\"@type\": \"Question\", \"name\": \"Combien co\u00fbte une assurance rafting au Qu\u00e9bec en 2026 ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Les primes sont indicatives et varient selon le volume de clients\/an, le niveau des rapides (II \u00e0 V+), le nombre de guides, l'historique de sinistres et la limite de RC souscrite. Une soumission pr\u00e9cise vous est donn\u00e9e gratuitement en 2 minutes via notre formulaire.\"}}, {\"@type\": \"Question\", \"name\": \"Puis-je assurer une seule journ\u00e9e d'\u00e9v\u00e9nement raft race ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui. Une police \u00e9v\u00e9nement sp\u00e9cial couvre une journ\u00e9e pr\u00e9cise (date, lieu, nombre de participants) sans engagement annuel. Pratique pour les organisations sportives, OBNL ou municipalit\u00e9s qui organisent un \u00e9v\u00e9nement ponctuel.\"}}, {\"@type\": \"Question\", \"name\": \"Mon assurance commerciale habituelle ne couvre pas le rafting ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Non. Le rafting est consid\u00e9r\u00e9 comme une activit\u00e9 de sport extr\u00eame avec risque accru. Il faut un avenant ou une police d\u00e9di\u00e9e \u2014 la responsabilit\u00e9 civile d'entreprise standard exclut g\u00e9n\u00e9ralement les sports d'eau vive.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"BreadcrumbList\", \"itemListElement\": [{\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Accueil\", \"item\": \"https:\/\/www.assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Assurance \u00e9v\u00e9nements\", \"item\": \"https:\/\/www.assur360.ca\/assurance-evenement\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Assurance rafting et descente de rivi\u00e8re au Qu\u00e9bec 2026\", \"item\": \"https:\/\/www.assur360.ca\/assurance-rafting\/\"}]}<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Rafting insurance in Quebec: liability up to $10M, customer accidents, whitewater rescue, equipment. Annual coverage for operators or per event, via AMF partner firms. <\/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":"Quebec Rafting Insurance 2026 | RC $5M+ | Assur360","_seopress_titles_desc":"Rafting insurance in Quebec: $5M RC, whitewater rescue, equipment, customer accidents. Annual for operators or per event. 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