Let me confess off the top that this is an issue I've come to grapple with over the last week or 10 days. My understanding, from speaking with people in this sector, is that the majority of reputable companies have insurance and are embodying best practices.
It's a seasonal business, and some of the smaller operators in different parts of the country--it was mentioned to me that Quebec is one--occasionally do not have insurance in place. But for most of the ones I spoke to, there was a very clear sense that in order to have their participants come back and for them to maintain and stay in business, they needed to have insurance.
I'm sorry, I couldn't hear all of the beginning of your question.