Professional insurance for animal-assisted intervention practitioners in Quebec

Zootherapy involves a structured helping relationship. An error, omission or poor assessment can result in a claim from a client. Professional liability insurance protects the practitioner if their practice is challenged in the context of an intervention.

General liability covers bodily injury or property damage caused to a third party by the animal during a declared professional activity. Coverage applies only during your interventions. Injuries or damage caused to your animal are not covered by this program.

Professional equipment used during interventions, such as harnesses or specialized materials, can be covered under the property coverage. This option applies in cases of theft, fire or accidental damage.

It is not required by law. However, some organizations, centres or institutions require it to allow practice with their clients. Having coverage in place makes it easier to access institutional settings such as schools, long-term care facilities (CHSLD) and rehabilitation centres.

Yes. The animal used in your interventions must be on the list of animals eligible for the program. Some animals are covered at no extra charge. Others, such as horses or alpacas, require an additional premium. A broker confirms the details at the time of enrolment.