FAQ

Notre assistante virtuelle MiKA est accessible en tout temps et où que vous soyez. Elle vous permet de faire une demande de soumission ou de modification de police à tout moment, tout en évitant les délais d’attente lors des périodes de fort achalandage.

Like your bank, public service providers, or telecommunications provider, Courtika has implemented a client portal. This portal allows us to better protect your data by limiting its circulation to what is strictly necessary. Accessible 24 hours a day, 7 days a week, 365 days a year, it is available on both your computer and mobile devices.

• Your insurance certificates (which you can add to your smartphone‘s mobile wallet)
• Your insurance policies
• Your payment schedule
• And many other important document!

For all the information on how to file a claim, you can visit our Claims page.

An insurance broker acts as an intermediary between you and multiple insurance companies. They compare offers to provide you with the coverage that best suits your needs at the best price. An insurer, on the other hand, only sells its own products.

Working with a broker allows you to benefit from personalized support. They analyze your situation, provide advice, and shop around on your behalf with multiple insurers, helping you save both time and money.

Yes, but under certain conditions. You must ensure the driver holds a valid licence. It is also important to verify how often you lend your vehicle. We may need to add that driver to your policy. If the person has their own insurance and is designated as a primary driver, you may lend your vehicle.

This use must always be declared, as not all insurers cover it.

There may be several factors, such as your area of use, the vehicle’s history, your claims record, your credit report, etc.

No, storage credits are not available for recreational vehicles.

No, no discount applies between recreational vehicles and automobiles.

No, never. Recreational vehicles must always be insured under a separate policy from home insurance.

Yes, your RV must remain insured during the winter, even if it is not being used. This protects it against risks such as theft, vandalism, fire or certain types of damage while in storage.

Yes, most insurers offer an option to cover personal belongings inside the RV.

Yes, automatically. However, we recommend having at least $2 million in liability coverage, or more.

Yes, you can lend it. However, if you plan to rent it out for compensation, you must notify your insurer beforehand.

Yes, provided that you have comprehensive coverage for your boat.

Yes, personal effects such as clothing, sports equipment and electronics may be covered if you add personal belongings coverage.

Yes, provided that you have comprehensive coverage for your boat.

It covers the home, personal belongings and liability in the event of damage caused to others.

Yes, but only for included or added coverage, such as sewer backup, infiltration, overflow and similar risks.

No. It should be insured based on its reconstruction value, meaning the cost to rebuild it as new.

The syndicate covers the common areas and basic structure, while your insurance covers your belongings, improvements and liability.

Yes, improvements such as the kitchen, flooring and similar upgrades must be insured individually.

Yes. In some cases, you may be responsible for part of the deductible.

It protects your belongings and covers you for civil liability, even if you are not the owner.

Yes, your personal belongings are protected based on the coverage selected.

Yes, your civil liability may cover damage caused to others.

It covers the building, the owner’s liability and rental income losses.

Yes, if you have rental income coverage.

No, tenants must have their own insurance.

No, coverage may differ depending on seasonal or occasional use.

Yes, but certain conditions must be met, such as regular visits and heating requirements.

Yes, if the required prevention measures are followed.

No, an endorsement or a specific policy is generally required.

Generally, more than 30 cumulative days per year must be declared, depending on the insurer.

Yes, but only if the rental is declared and covered under your policy.

It has coverage similar to home insurance, but adapted to its stationary use.

Yes, personal belongings may be covered based on the coverage selected.

Yes, civil liability covers damage caused to third parties.

Yes, if you have product liability insurance. It covers bodily injury or property damage caused after the sale or distribution of the product.

Business interruption insurance compensates for lost income and fixed expenses (salaries, rent) during the shutdown period.

Not always with standard property insurance. Equipment breakdown coverage is required to cover mechanical or electrical failures.

The carrier may be held responsible, but often limited by contract or law. This is why cargo insurance is important.

Not automatically. A specific extension is required to cover shipments outside Canada or cross-border transports.

If you have cargo insurance with a theft clause, the goods are reimbursed according to the limits and conditions set out in the policy.

Yes. Professional liability (errors and omissions) covers claims related to a fault, error or negligence in services provided to a client.

Yes. Legal defence costs are generally covered, even if the lawsuit is unfounded, subject to the policy terms and conditions.

Yes, if an international extension is added to the policy. This option covers work performed outside Quebec or Canada.

Yes. With equipment breakdown coverage and protection for food spoilage, losses caused by equipment failure may be compensated.

Business interruption coverage can compensate for lost income and help pay certain fixed expenses during the closure period.

Yes, with garagekeepers liability, which covers vehicles entrusted to you during repairs.

Property insurance generally covers contents, but specific theft protection is strongly recommended.

Only if you have equipment breakdown insurance. Mechanical breakdowns are not covered by a standard policy.

The condo corporation’s insurance covers the building, common areas and the corporation’s liability. Each co-owner must take out their own insurance for their private unit, personal belongings and individual liability.

Yes, provided the corporation holds directors and officers liability insurance. This coverage protects directors against lawsuits related to decisions, errors or omissions made in good faith while performing their duties.

Ideally, the reconstruction value should be reassessed every 3 to 5 years, or sooner in the case of major work, significant renovations or marked fluctuations in construction costs.

Generally not, if the contract is well structured, but your liability may be engaged in case of negligence (inadequate security, fire).

Your insurance rarely covers client belongings, but you could be held liable if the theft is linked to a management fault.

Your building insurance covers the structure, but not tenant contents (unless a specific extension is added).

Yes, if you have auto inventory insurance that includes theft and vandalism.

Yes, with fleet insurance or a specific endorsement covering authorized drivers.

It covers damage to customers’ vehicles in your care, as well as certain errors related to services.

Yes, an employee is covered if they drive an insured vehicle in the course of their duties, provided they are authorized to drive and the policy’s liability coverage is in effect.

Theft of tools or goods may be covered if they are adequately insured, generally through property insurance or a specific endorsement, since auto insurance mainly covers the vehicle and its fixed equipment.

Yes, damage caused to a customer may be covered by liability insurance, whether auto or general, depending on whether the incident occurs while using the vehicle or in the course of business activities.

Yes, damage caused by your employees in the course of their duties is generally covered by the company’s general liability.

Insurance amounts are established based on the replacement value of insured property (building, contents, equipment), to ensure adequate protection in the event of a claim.

Yes, with the appropriate coverage, your assets may be covered even when they are located outside your usual premises.

Property insurance covers external events (fire, damage), while equipment breakdown coverage covers internal failures.

Yes, if they are sudden and accidental, according to the policy terms.

Yes, through a business interruption extension linked to equipment breakdown.

Yes. All businesses that use emails, computer systems or data are exposed, regardless of their size. SMEs are often targeted due to limited cybersecurity resources.

Depending on the coverage purchased, cyber insurance may cover losses resulting from social engineering fraud, such as phishing or fake supplier scams. However, it is essential that this protection be specifically included in the policy.

Cyber insurance can cover incident management costs, notification expenses, regulatory obligations and third-party claims, while providing specialized support to limit impacts and restore operations.

No, most policies exclude pollution. Separate environmental insurance is required.

It covers soil and water cleanup costs and expenses imposed by authorities.

Yes, if the policy includes legal defence costs, certain fees and expenses related to a covered claim may be covered.

General liability mainly covers bodily injury or property damage caused to third parties, while E&O insurance covers financial losses resulting from professional errors, omissions or bad advice.

Yes, if the policy includes a retroactive date. This allows coverage for claims related to services rendered before the policy inception date, according to the retroactive date specified in the contract.

Yes. Even without an official judgment, defence costs and certain settlements may be covered, according to the policy’s terms and limits.

Farm business interruption insurance can compensate for lost income when production is reduced or stopped following an insured loss.

Animals can be insured globally for the value the producer would have obtained if they had been sold. In this case, it is important to follow the Proportional Rule mentioned in the contract. If the animal is of high value, it must be insured specifically.

Coverage for “Additional Expenses” can have many uses. For example, this type of coverage can be useful to cover additional costs resulting from renting machinery following a claim that damaged it.

Farm pollution coverage can cover damage caused by the sudden and accidental spill, discharge, emission, release, dispersal or escape of pollutants.

Coverage for goods in transit can protect harvested agricultural products during transport, according to the policy conditions.

Agricultural liability may cover bodily injury or property damage caused to third parties in the course of your farming activities.

Yes, we offer the option to insure both property and activities, including residences, farm buildings, machinery, agritourism activities and processing.

Yes, Intact Insurance has had expertise in farm and commercial insurance for many years, while being a financially sound partner.

No, the insurance broker does not have the expertise to establish a building’s reconstruction value. However, we can refer you to professional building appraisers.

Business interruption coverage can help compensate for lost income if an insured claim prevents production during maple syrup season.

Yes, if replacement cost insurance is provided in the contract. This option allows equipment to be replaced without factoring in depreciation, subject to applicable conditions.

Yes. Farm liability covers bodily injuries sustained by visitors on your site, provided the activity is declared and insured.

It depends on the actual use of the property. A hobby farm is generally residential with declared agricultural use, which allows coverage to be adapted to your activities.

Yes, provided farm gate sales are declared and extended liability has been added to cover risks related to this activity.

Yes. Hobby farm animals can be insured, but they must be declared so that coverage adequately reflects their value and associated risks.

The ACD is the system that automatically manages and distributes incoming calls to available brokers, based on availability or type of request. Unlike the “module” system, where clients are assigned to a specific broker, the ACD allows for faster and more equitable call distribution, which reduces wait times and improves overall efficiency.

Its advantage is even more visible in case of absence: calls are simply redirected to other available brokers, which ensures continuity of service without accumulating pending requests, unlike the module system where a replacement must be arranged.

The broker profession can indeed be very well paid, but it is directly linked to involvement and performance.

At Courtika, there is a competitive base salary to which commissions and bonuses are added. The more comfortable a person is with sales and the more they develop their skills, the greater their income potential!

What we offer above all is an environment that allows for good performance: volume through the ACD, coaching, and tools to support success.

At Courtika, brokers can count on several forms of daily support. First, they are accompanied by our team of managers and directors, who act as coaches to help them develop and achieve their goals. We also have a dedicated training team that especially supports newly certified brokers in their integration and skill development.

Finally, collaboration is one of our values. Brokers can rely on their colleagues to ask questions, validate files or share best practices.

A good insurance broker is someone who combines an empathetic client approach, business development skills and rigour. It is also a naturally curious person who is interested in many areas and develops good general knowledge to better understand their clients’ realities and advise them well.

At Courtika, it is above all a person who demonstrates professionalism and adheres to our way of working and our values.

Broker training costs, as well as certification renewal fees, are fully covered by Courtika.