End of the agricultural season
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Private seniors' residences
Insurance for RQRA members in Quebec
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An insurance program designed for RQRA members
La Turquoise is the exclusive broker for the Regroupement québécois des résidences pour aînés (RQRA) insurance program, in partnership with Aviva. This program has supported network members for over 25 years.
Operating a private seniors’ residence (PSR) in Quebec comes with specific responsibilities. These include housing vulnerable individuals, managing a commercial building, overseeing a team, and meeting provincial regulatory requirements. The insurance needs of a PSR differ from those of a standard residential property or typical business.
Eligible members have access to coverages that include:
- your commercial property, including your building, equipment, and contents,
- your revenue losses in the event of a business interruption,
- your general liability, including professional liability,
- the personal property of your residents,
- your cyber risks.
Coverages are negotiated collectively for all RQRA members. Each file is then reviewed individually by a broker, who guides the establishment toward the coverages suited to its situation.
This program also includes a group personal insurance offer for owners and employees.
A program offered in partnership with the RQRA
La Turquoise works with the Regroupement québécois des résidences pour aînés to support members with their insurance needs. The program takes into account the realities of establishments operating within this network in Quebec.
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This link leads to the RQRA website, a partner of this page. There you can find more information about the organization and its members.
Coverages included in the RQRA insurance program
See what the coverage includesYour building and its contents: water damage, fire, or vandalism can quickly disrupt your operations. This coverage protects your building, equipment, and contents. It may include a clause that removes the obligation to rebuild on the same site.
- Your residents’ personal property: residents’ personal belongings may be damaged in a loss affecting your establishment. This coverage protects their property up to a set value per resident.
- Your general liability: a fall in a hallway, an incident during an activity, or an allegation of negligence can engage your liability. This coverage applies to bodily injury and property damage caused in the course of your operations, including abuse situations.
- Your professional liability: a management decision or an error in the care provided can give rise to a claim. This coverage applies to the consequences of a professional fault in the operation of your residence.
- Your revenue losses: if a loss forces the temporary closure of your residence, this coverage may compensate for financial losses during the shutdown period.
- Your IT systems security: a data breach or cyberattack can paralyze your operations and compromise sensitive information. This coverage applies to certain consequences of a cybersecurity incident.
- Dishonesty and fraud: internal fraud or a dishonest act can have significant financial consequences for your establishment. This coverage applies to resulting losses, including situations involving social engineering.
Why use the RQRA program for your insurance
Discover the benefits for RQRA members- No coinsurance clause applies under this program. This may help protect you in the event of underinsurance.
- Coverages are negotiated collectively for all members of the organization.
- Your RQRA membership is the entry point. No additional steps are required to access the program.
- A dedicated claims service is available to program members.
- In the event of an insurer change, a grandfathering clause may provide retroactive coverage for existing clients, under the terms of the program.
- Members and their employees have access to a group personal insurance offering through this partnership.
Save on your premium
Your broker helps you identify discounts that may apply to your situation. Savings vary based on your profile and coverages. They may help reduce your premium.
Auto and home discount
Bundling your auto and home insurance may reduce your premium. Your broker explains potential savings based on your situation.
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Multi-vehicle discount
Insuring multiple vehicles in one place may qualify you for a discount. This option often applies when several drivers in the same household are insured together.
Good driver / personalized premium program (based on your driving habits)
A claims-free driving record may qualify you for a discount. Some insurers also offer a program that analyzes your driving habits and adjusts your premium accordingly.
Additional coverages for seniors’ residences
Some coverages can be added to your basic coverage depending on the nature of your operations and the size of your establishment. A broker identifies which ones apply to your situation.
Your responsibilities as an administrator or director
A management decision can affect your personal liability, even when made in good faith. This coverage applies to financial consequences related to an error, omission, or negligence in the performance of your management duties.
- A resident or their family challenges a decision about accommodation conditions
- An employee alleges wrongful dismissal following a reorganization
- A government body initiates a proceeding related to an unmet obligation
Water damage
Seniors’ residences are especially exposed to water damage. This is due to occupancy density and the complexity of the facilities. This coverage applies to damage caused by sewer backup or water infiltration.
- A sewer backup damages common areas on the ground floor
- Water infiltration affects several rooms after heavy rain
- A pipe break causes damage in service areas
Protection for your data and technology systems
Managing a residence relies on digital systems that contain sensitive information about your residents. This optional coverage applies to certain consequences related to a cyberattack or a data security breach.
- Residents’ medical or personal records are compromised following unauthorized access
- Ransomware blocks access to your management systems
- Notification and restoration costs are incurred after a data breach
Equipment breakdown
A sudden failure of essential equipment can disrupt your operations and affect resident comfort or safety. This coverage applies to accidental breakdowns of mechanical, electrical, or electronic equipment.
- The heating system breaks down in the middle of winter
- An elevator stops working in a multi-storey residence
- The alarm or monitoring system is put out of service by a short circuit
Contagious diseases
An outbreak in your establishment can lead to partial closures and significant financial losses. This optional coverage applies to certain consequences related to the spread of a contagious disease in your residence.
- A gastroenteritis outbreak forces the temporary closure of one wing
- Health measures imposed by authorities reduce your intake capacity
- Decontamination costs are added to regular operating expenses
Your questions about insurance for seniors’ residences in Quebec
Questions often come up about insurance for private seniors’ residences (PSRs). Here are answers to the most common questions.
Yes. Members of the Regroupement québécois des résidences pour aînés (RQRA) have access to a collectively negotiated insurance program designed to meet the specific requirements of operating a PSR in Quebec.
This program has been in place for over 25 years. It covers risks related to different situations. These may include housing vulnerable individuals, managing a commercial building, or supervising a team. Coverages are adapted to provincial standards that apply to seniors’ residences.
To access it, you only need to be a member in good standing of the RQRA. A specialized broker then reviews your file and guides you toward coverages adapted to the size and activities of your establishment.
Yes. Under the RQRA program, general liability includes coverage for abuse situations. This protection is especially important for seniors’ residences, where resident vulnerability exposes operators to specific claims.
Coverage applies to bodily, psychological, or financial harm caused to a resident in the course of your establishment’s operations. It may apply to an act committed by an employee, a care provider, or any person acting under your responsibility.
A broker can explain the conditions, exclusions, and available options based on your situation.
The program includes protection for residents’ personal belongings in the event of a loss affecting your establishment. This coverage applies to personal property located in rooms or common areas at the time of the loss.
This protection covers belongings up to a certain value per resident and per loss. It does not replace tenant insurance purchased by the resident or their family. Informing residents of this distinction is part of good PSR management practices.
Yes. A seniors’ residence can experience significant financial losses if it must close temporarily because of a major event, outbreak, or emergency. The program includes coverage for revenue losses resulting from this type of business interruption.
This protection considers fixed expenses that continue during a closure. These expenses may include payroll and operating costs. The coverage period depends on the terms of your contract.
Exact conditions vary depending on the nature of the loss and the terms of your contract. A broker can explain how this coverage applies to your situation.
The process is simple. Contact the team dedicated to the program by phone or email. A broker specializing in seniors’ residences takes charge of your file and presents coverages adapted to your establishment.
During this first discussion, the broker considers several elements: the size of your residence, the number of residents, the nature of your services, and your regulatory obligations. This analysis helps identify coverage that reflects your operational reality.
No online form is required to start the process. Contact is made directly with a member of the team assigned to the RQRA program.
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