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Zoo and Zoological Garden Insurance in Quebec 2026

Civil liability, animal bites and escapes, visitor injuries, value of enclosures and the collection: complete protection for zoos, zoological gardens, mini-farms and animal shows in Quebec.

Free quote in 2 minutes →
$10M+
RC available up to
100+
AMF partner firms
48h
Accelerated issuance
2 min
Online application

Why this insurance is essential in Quebec

Operating a zoo, a zoological garden or a tourist mini-farm in Quebec involves risks of a very special nature: a visitor can be bitten, an enclosure can give way, an animal can escape, or a valuable species can be lost due to disease. The sector is also strictly regulated by the Act respecting the conservation and development of wildlife and by animal welfare standards.

A simple bite or accident involving a child on a school visit can represent several hundred thousand dollars in claims. Organized visits generally require a minimum of $5 million in liability, and host municipalities may request more. The right policy protects the farmer, his employees, his volunteers and his livestock.

Annual Coverage or Special Event

◆ ANNUAL COVERAGE

For permanent operators

Do you operate continuously — seasonal or yearly? The annual policy covers your entire business activity: regular customers, employees, equipment, premises, vehicles.

  • Seasonal (May-October) or continuous
  • Renewable from year to year
  • Adjustable Endorsements (Volume, Locations)
  • Municipal/park certificates included
◆ SPECIAL EVENT

For one-time activities

Are you organizing a specific event — competition, open house, corporate activity, fundraiser? The special event policy covers this date with no annual commitment.

  • 1 day to several weeks
  • Competitions, demos, festivals
  • NPOs, municipalities, businesses
  • Accelerated Emission (48h)

What your policy covers

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General Liability

Injury to a visitor, fall on site, accident in an animal interaction area. Typical limits $5 million to $10 million.

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Animal Bites and Attacks

Coverage for prosecution in the event of a bite, scratch or assault — including interaction animals and contact pens.

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Escape from an animal

Capture costs, damage to neighbouring properties, and veterinary investigation costs if an animal escapes from its enclosure.

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Property and enclosures

Replacement value of cages, aviaries, aquariums, barns and visitor infrastructure against fire, vandalism and storms.

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Value of the collection

Financial coverage for the loss of a collector’s animal (protected species, rare farm animal) following illness, accident or veterinary intervention.

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Event Cancellation

Compensation if a special event (open day, media birth, fundraiser) has to be cancelled due to an epizootic or force majeure.

How to subscribe in 3 steps

1

Fill out the online form

2 minutes — nature of the activity, volume, dates, desired RC limit. No payment at this stage.

2

Receive your quote

A broker from one of our partner firms certified by the Autorité des marchés financiers (AMF) will contact you with a precise quote within 48 hours.

3

Accept and receive your certificate

Issuance of the certificate of insurance (PDF) within 48 hours. Document that can be used for your municipal permits, rental contracts or Sépaq/SOPFEU certificates.

Frequently asked questions

What RC limit does my zoo need in Quebec?
For a zoo open to the public, the recommended limit is $5 million to $10 million. School visits, animal contact zones, and special events (day camps, open houses) may warrant higher limits. Municipalities often require an attestation before issuing business permits.
Does the insurance cover animal bites on visitors?
Yes, this is one of the main risks covered by zoo specialized civil liability. The policy compensates for medical expenses, loss of income of the injured visitor, and defense costs in the event of a lawsuit. The interaction areas (educational farm, ray pond, butterflyarium) must be declared.
What is the difference between an annual policy and a special event?
The annual covers the continuous operation of the zoo year-round (regular visitors, employees, enclosures). The special event covers a one-off off-site or off-site activity: educational outing with animals, temporary exhibition, benefit gala with animal presentation.
My zoo is seasonal (May-October). Can I have a suitable font?
Yes. Policies can be adjusted to the seasonal calendar with a premium modulated according to the opening period. The coverage of goods (enclosures, equipment) remains annual, but the RC for visitors may be suspended out of season.
Are exotic animals (lion, tiger, bear) insurable?
Yes, but with a specific amendment. Species classified as “increased risk” require a detailed declaration (species, number, conditions of detention, emergency plan) and an adjusted premium. Pen standards and compliance with provincial regulations are prerequisites.
How much does zoo insurance cost in Quebec in 2026?
The bonuses are indicative. They vary according to the number of species, the volume of annual visitors, the presence of interaction areas, the loss history and the RC limit. An accurate quote is given to you free of charge in 2 minutes.
And the volunteers on the site?
Volunteers can be added to the police as designated persons, which covers them during their activities (cleaning pens, presenting to the public, selling tickets). Their declaration by name is generally required for high-risk activities (handling of animals).
Is a tourist mini-farm the same as a zoo?
Depending on the size and type of animals. Educational mini-farms (goats, rabbits, chickens) are often covered by an agritourism policy with bite guarantee. Zoological gardens (exotic animals, paying public) require a dedicated zoo police.

For which cities in Quebec?

Coverage available throughout Québec through our partner firms certified by the Autorité des marchés financiers. We regularly handle cases in Montreal, Quebec City, Laval, Gatineau, Sherbrooke, Trois-Rivières, Saguenay and Lévis, as well as in active tourist regions — Charlevoix, Outaouais, Gaspésie, Côte-Nord, Eastern Townships, Laurentians and Mauricie.

Online quote available 24/7, processed by a human broker during business hours.

Why use Assur360

  • ✓Independent comparison tool — Assur360 does not sell insurance directly. We put you in touch with partner firms certified by the Autorité des marchés financiers.
  • ✓More than 100 AMF partner firms in Quebec — recommendations tailored to your business.
  • ✓Free quote in 2 minutes — no commitment, no payment, no abusive reminders.
  • ✓48-hour accelerated issuance — convenient for urgent certificates (permit, park, room rental).
  • ✓Regulatory compliance — Bill 25, Insurance Chamber, Autorité des marchés financiers.

Ready to get your quote?

2 minutes to fill out the form. A personalized response from a broker from an AMF partner firm within 48 hours.

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