Pollution
Covers certain damage resulting from a sudden and accidental spill or pollution event.
Operating a livestock farm comes with unique challenges: specialized buildings, animal care, equipment, machinery and liabilities related to agricultural operations. Courtika supports producers with livestock farm insurance solutions tailored to their type of production and daily reality.
As your broker, we analyze your situation to offer clear, consistent and well-structured coverage.
This coverage protects the basics and the most common risks, providing protection suited to everyday situations.
Covers farm buildings such as barns and stables against damage from covered losses.
Protects farm machinery and equipment against covered losses or damage, based on their declared value.
Covers the loss of insured animals following a claim, according to the terms and values set out in the policy.
Protects against claims for bodily injury or property damage caused to third parties in the course of farming activities.
Depending on your situation, certain additional coverage may be recommended to better manage your risks and avoid surprises.
Compensates for sudden and accidental damage to farm equipment essential to operations.
Compensates for loss of income when production is slowed or halted following a covered claim.
Covers certain additional expenses incurred to maintain or resume operations after a claim.
Protects farm products against losses or damage caused by a covered claim.
The world of insurance can raise many questions. That’s why we’ve gathered clear and accessible answers to the most common questions, to help you better understand the coverage available and make informed choices with confidence.
Farm business interruption insurance can compensate for loss of income when production is reduced or halted following a covered claim.
Animals can be insured globally for the value the producer would have received if they had been sold. In this case, it is important to follow the Co-insurance Clause mentioned in the policy. If an animal has high value, it should be insured specifically.
Extra expense coverage can serve many purposes. For example, this type of coverage can help cover additional costs resulting from renting machinery after a claim that damaged your own equipment.
Every situation is unique, and taking the time to talk about it makes all the difference. Whether you have a question, a specific need, or simply want trusted advice, our team is here to support you and guide you toward solutions tailored to your reality.
Field crop and market gardening operations face unique challenges: farm buildings, specialized equipment, machinery, inventory and operations-related liabilities. Courtika supports producers with insurance solutions tailored to field crops and market gardening, taking into account the type of production and the specific characteristics of each farming operation.
As your broker, we analyze your situation to offer clear, consistent and well-structured coverage.
This coverage protects the basics and the most common risks, providing protection suited to everyday situations.
Protects farm buildings and warehouses against damage from covered losses.
Covers equipment and machinery used for cultivation and harvesting.
Protects crops and farm products against covered losses.
Covers damage caused to third parties arising from agricultural operations.
Depending on your situation, certain additional coverage may be recommended to better manage your risks and avoid surprises.
Protects against accidental breakdown of equipment essential to operations.
Compensates for loss of income if operations are halted following a covered claim.
Covers additional expenses required to continue or resume operations.
The world of insurance can raise many questions. That’s why we’ve gathered clear and accessible answers to the most common questions, to help you better understand the coverage available and make informed choices with confidence.
An agricultural pollution endorsement can cover damage caused by the sudden and accidental spill, discharge, emission, release, dispersal or escape of pollutants.
Goods in transit coverage can protect harvested farm products during transport, subject to the policy conditions.
Agricultural liability may cover bodily injury or property damage caused to third parties in the course of your farming activities.
Every situation is unique, and taking the time to talk about it makes all the difference. Whether you have a question, a specific need, or simply want trusted advice, our team is here to support you and guide you toward solutions tailored to your reality.
Orchards, vineyards and cider producers face unique challenges: production buildings, specialized equipment, farm and processed products, inventory and operations-related liabilities. Courtika supports producers with insurance solutions tailored to the realities of orchards, vineyards and cideries, taking into account the unique nature of their activities.
We also offer an exclusive program designed specifically for this type of production, providing adequate coverage for industry-specific risks. As your broker, we analyze your situation to offer clear, consistent and well-structured coverage.
This coverage protects the basics and the most common risks, providing protection suited to everyday situations.
Covers the building as well as fixed equipment permanently installed on site.
Covers damage caused to third parties arising from agricultural operations.
Covers theft of money, on or off premises, as well as fraud and embezzlement by employees, including forged cheque fraud.
Covers the building, personal property, outbuildings and living expenses at the residence of the insured and/or their employees.
Depending on your situation, certain additional coverage may be recommended to better manage your risks and avoid surprises.
Covers agricultural implements and light tools used for harvesting on the farm.
Protects against financial loss following a covered claim, as well as additional expenses incurred.
Covers expenses related to a cyberattack, as well as data and income losses.
Protects against damage caused by electrical arcing from a power surge, as well as mechanical breakdown, including compressors.
The world of insurance can raise many questions. That’s why we’ve gathered clear and accessible answers to the most common questions, to help you better understand the coverage available and make informed choices with confidence.
Yes, we offer the option to insure both property and activities, including residences, farm buildings, machinery, agritourism activities and processing operations.
Yes, Intact Insurance has had expertise in agricultural and commercial insurance for many years, while also being a financially solid partner.
No, insurance brokers do not have the expertise to establish a building’s reconstruction value. However, we can refer you to professional building appraisers.
Every situation is unique, and taking the time to talk about it makes all the difference. Whether you have a question, a specific need, or simply want trusted advice, our team is here to support you and guide you toward solutions tailored to your reality.
Operating a maple syrup farm comes with unique challenges: buildings, processing equipment, machinery and activity-related responsibilities. Courtika supports maple syrup producers with insurance solutions tailored to their type of operation and production methods.
As your broker, we analyze your situation to offer clear, consistent and well-structured coverage.
This coverage protects the basics and the most common risks, providing protection suited to everyday situations.
Protects the sugar shack and other buildings against insured damage.
Covers equipment used for harvesting and processing maple sap.
Protects against injuries or damage suffered by third parties on site.
Depending on your situation, certain additional coverage may be recommended to better manage your risks and avoid surprises.
Covers accidental breakdown of equipment essential to production.
Compensates for lost income if a claim prevents production during the season.
The world of insurance can raise many questions. That’s why we’ve gathered clear and accessible answers to the most common questions, to help you better understand the coverage available and make informed choices with confidence.
Business interruption coverage can help compensate for lost income if an insured claim prevents production during the sugaring season.
Yes, if replacement cost insurance is included in the policy. This option allows you to replace equipment without accounting for depreciation, subject to applicable conditions.
Yes. Agricultural liability covers bodily injuries suffered by visitors on your site, provided the activity is declared and insured.
Every situation is unique, and taking the time to talk about it makes all the difference. Whether you have a question, a specific need, or simply want trusted advice, our team is here to support you and guide you toward solutions tailored to your reality.
Hobby farms have unique needs that fall between a residence and a full agricultural operation: outbuildings, equipment, animals, land and activity-related responsibilities. Courtika supports hobby farm owners with insurance solutions tailored to the actual use of the property.
As your broker, we analyze your situation to offer clear, consistent and well-structured coverage.
This coverage protects the basics and the most common risks, providing protection suited to everyday situations.
Protects your residence while accounting for declared agricultural activities.
Covers damage caused to third parties in your personal life and agricultural activities.
Depending on your situation, certain additional coverage may be recommended to better manage your risks and avoid surprises.
Protects sheds, barns and other accessory buildings.
Covers animals kept for recreational purposes, based on their declared value.
Protects small equipment and tractors used on the property.
The world of insurance can raise many questions. That’s why we’ve gathered clear and accessible answers to the most common questions, to help you better understand the coverage available and make informed choices with confidence.
It depends on the actual use of the property. A hobby farm is generally classified as residential with declared agricultural use, allowing coverage to be tailored to your activities.
Yes, provided that farm-gate sales are declared and extended liability coverage has been added to cover risks related to this activity.
Yes. Hobby farm animals can be insured, but they must be declared so that the coverage adequately reflects their value and associated risks.
Every situation is unique, and taking the time to talk about it makes all the difference. Whether you have a question, a specific need, or simply want trusted advice, our team is here to support you and guide you toward solutions tailored to your reality.
The construction industry comes with unique risks: active job sites, equipment, professional liabilities, and contractual obligations. Courtika supports construction businesses with insurance solutions tailored to their trade, the nature of their work, and their operational needs.
As an insurance broker, we take the time to understand your business and assess your specific risks in order to recommend clear, comprehensive, and customized coverage designed to support your projects from start to finish.
This coverage protects the basics and the most common risks, providing protection suited to everyday situations.
Covers bodily injury and property damage caused to third parties as a result of your construction operations.
Covers damage to a project while it is under construction due to a sudden and accidental event.
Covers losses or damage resulting from the theft of materials, equipment, or acts of vandalism on the job site.
Covers tools, portable equipment, and construction machinery against damage or theft.
Covers the company’s liability arising from certain claims involving its employees.
Depending on your situation, certain additional coverage may be recommended to better manage your risks and avoid surprises.
Covers damage caused by a mechanical or electrical failure of equipment used on the job site.
Covers claims and cleanup costs resulting from accidental pollution or contamination incidents.
Covers certain claims arising from professional errors, omissions, or deficiencies in the performance of contracted work.
Covers financial losses or additional expenses resulting from delays caused by a covered loss.
Provides additional protection for work performed by subcontractors involved in the project.
The world of insurance can raise many questions. That is why we have gathered clear, accessible answers to the most common questions, to help you better understand the coverage available and make informed choices with confidence.
Yes. Even smaller projects can face risks such as property damage, theft of materials, or liability claims. Having the right insurance coverage helps protect your business throughout the project.
Not automatically in every situation. It is important to disclose the use of subcontractors and ensure they carry adequate insurance coverage. Additional protection may be available to address risks related to subcontracted work.
Yes. Most contractors’ equipment policies cover tools and equipment while they are being used at various job sites. Coverage limits and conditions may vary depending on the insurer and policy selected.
Chaque situation est différente, et prendre le temps d’en discuter fait toute la différence. Que vous ayez une question, un besoin précis ou simplement envie d’être bien conseillé, notre équipe est là pour vous accompagner et vous guider vers des solutions adaptées à votre réalité.
Manufacturing, distribution, and wholesale companies face very specific risks: industrial buildings, specialized equipment, inventory, transportation of goods, and liabilities related to their operations. Courtika supports these organizations with manufacturing business insurance solutions tailored to the nature of their operations and their industry.
As an insurance broker, we analyze your situation to offer you clear, consistent, and well-adapted protection solutions to help ensure the continuity of your business activities.
This coverage protects the basics and the most common risks, providing protection suited to everyday situations.
Covers eligible bodily injury or property damage caused to third parties, subject to the policy conditions.
Protects the building, equipment, and contents against losses such as fire, theft, or certain covered property damage.
Depending on your situation, certain additional coverage may be recommended to better manage your risks and avoid surprises.
Helps compensate for certain eligible losses or expenses after a covered claim.
Covers sudden and accidental damage to essential machinery, equipment, or systems caused by a mechanical or electrical breakdown.
Covers claims related to injuries or damage caused by a product sold, distributed, or manufactured by the business.
Protects the company’s property while in transit against certain risks such as theft, loss, or damage.
Covers certain costs related to cyberattacks, data breaches, IT interruptions and crisis management.
The world of insurance can raise many questions. That is why we have gathered clear, accessible answers to the most common questions, to help you better understand the coverage available and make informed choices with confidence.
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 (such as salaries and rent) during the shutdown period.
No, not always with standard property insurance. Equipment breakdown coverage is needed to cover mechanical or electrical failures.
Every situation is unique, and taking the time to talk about it makes all the difference. Whether you have a question, a specific need, or simply want trusted advice, our team is here to support you and guide you toward solutions tailored to your reality.
Transport businesses face specific risks: commercial vehicles and fleets, transported goods, client liabilities and increased road exposure. Courtika supports carriers with transport business insurance solutions tailored to cargo type, routes and scope of operations.
As an insurance broker, we analyze your reality to offer clear, consistent and well-adjusted coverage to ensure the continuity of your activities.
Mandatory coverage forms the foundation of your protection and ensures compliance with current requirements. It provides essential protection against the unavoidable risks of daily operations.
Covers bodily injury or property damage caused to others when using an insured vehicle.
Depending on your situation, certain additional coverage may be recommended to better manage your risks and avoid surprises.
Covers damage to the insured vehicle following an impact or rollover.
Provides extended protection against multiple causes of damage, except those expressly excluded from the policy.
Protects transported goods against certain risks such as theft, loss or damage during transit.
Groups several vehicles under a single policy to simplify management and standardize coverage.
Helps absorb loss of income and certain fixed costs during a shutdown caused by a covered loss.
The world of insurance can raise many questions. That is why we have gathered clear and accessible answers to the most common questions, to help you better understand the coverage offered and make informed choices with confidence.
The carrier may be held responsible, but often limited by contract or law. Hence the importance of cargo insurance.
Not automatically. A specific extension is required to cover transport outside Canada or cross-border shipments.
If you have cargo insurance with a theft clause, the goods are reimbursed according to the limits and conditions provided.
Every situation is unique, and taking the time to talk about it makes all the difference. Whether you have a question, a specific need, or simply want trusted advice, our team is here to support you and guide you toward solutions tailored to your reality.
Professional service firms face specific risks related to their activities and the advice they provide. Courtika offers insurance solutions for professional services designed to protect your business, your reputation, and your liability.
As a broker, we support you with thorough guidance and coverage tailored to the nature of your practice.
This coverage protects the basics and the most common risks, providing protection suited to everyday situations.
Covers bodily injury, property damage or intangible harm unintentionally caused to third parties during normal business operations.
Depending on your situation, certain additional coverage may be recommended to better manage your risks and avoid surprises.
Protects against claims arising from an error, omission, negligence or bad advice in the professional services provided.
Covers directors and officers against lawsuits related to their management decisions or alleged breaches of their duties.
Covers attorney fees and court costs related to a covered claim, even if the claim is unfounded.
The world of insurance can raise many questions. That is why we have gathered clear, accessible answers to the most common questions, to help you better understand the coverage available and make informed choices with confidence.
Yes. Professional liability (errors and omissions) covers claims related to a fault, error or negligence in the services provided to a client.
Yes. Legal defence costs are generally covered, even if the lawsuit is unfounded, subject to the terms of the contract.
Yes, if an international extension is added to the policy. This option covers mandates carried out outside Quebec or Canada.
Every situation is unique, and taking the time to talk about it makes all the difference. Whether you have a question, a specific need, or simply want trusted advice, our team is here to support you and guide you toward solutions tailored to your reality.
Restaurants and hospitality businesses face very specific risks: variable customer traffic, specialized equipment, and liability toward customers and staff. Courtika supports businesses in the sector with restaurant and hospitality insurance solutions tailored to their operations.
As your broker, we analyze your situation to offer consistent, clear coverage aligned with your industry’s requirements.
This coverage protects the basics and the most common risks, providing protection suited to everyday situations.
Protects the building, leasehold improvements, equipment and contents against losses caused by covered claims.
Covers bodily injury or property damage caused to customers or third parties during restaurant operations.
Depending on your situation, certain additional coverage may be recommended to better manage your risks and avoid surprises.
Compensates for sudden and accidental damage to essential equipment, such as ovens, refrigerators or refrigeration systems.
Protects against damage caused by sewer backup or water infiltration not covered by basic coverage.
Compensates for lost income and certain fixed expenses when a claim forces the temporary closure of the restaurant.
The world of insurance can raise many questions. That is why we have gathered clear, accessible answers to the most common questions, to help you better understand the coverage available and make informed choices with confidence.
Yes. With equipment breakdown coverage and food spoilage protection, losses caused by equipment failure can be compensated.
Business interruption coverage can compensate for lost income and help pay certain fixed expenses during the closure period.
Every situation is unique, and taking the time to talk about it makes all the difference. Whether you have a question, a specific need, or simply want trusted advice, our team is here to support you and guide you toward solutions tailored to your reality.