Third-party liability insurance for mountain bike trails in Quebec
With the growing popularity of mountain biking in Quebec comes increased responsibility of trail managers. To guarantee the safety of users and protect against legal risks, it is essential to implement rigorous risk management. Third-party liability insurance thus becomes a strategic tool, providing that it is based on actual, documented practices.
Third-party liability: a strategic lever
Thanks to a partnership between Vélo Québec and Essor Insurance, mountain bike centres now have access to a third-party liability program specially designed for trail managers.
Risk Management: a lot more than signage
Risk management is not limited to signage or displays. It is based on a proactive and documented process, in primarily by having a service log for trails. This log makes it possible, in the event of prosecution, to demonstrate that the manager respected their obligation of means according to the Quebec Civil Code.
Vélo Québec proposes a dedicated application to centralize data for servicing, inspection and accidentology, accessible online and on mobile devices. This platform facilitates traceability of operations and reinforces the manager’s credibility in the event of a dispute.
Signage: an essential preventative tool
The Guide for signage on mountain bike and fat bike paths published by Vélo Québec in 2023 is an indispensable reference.
Well thought-out signage makes it possible not only to guide users, but also to prevent accidents and limit the responsibilities of the manager.
Please note that the webinar will be broadcast in French only.
Third-party liability is an indispensable tool, but it must be supported by rigorous risk management, including a service log and signage in accordance with the standards of Vélo Québec.
These practices make it possible to protect users, develop infrastructures, legally safeguard managers and, finally, reduce the cost of insurance for the industry.
To find out more, contact our experts at 1 833-370-2703.