Our expertise

Managing risks specific to livestock farms

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.

Mots de notre clientèle
Fermes Farnham Ltd. is proud to collaborate with Courtika Insurance, true specialists in the insurance field. A trusted team that truly understands our agricultural reality.

Essential 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.

Recommended coverage

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.

Additional coverage

These additional coverage options allow you to adjust your protection based on more specific needs or particular situations.

Pollution

Covers certain damage resulting from a sudden and accidental spill or pollution event.

Care, custody and control of animals

Protects against claims related to animals belonging to third parties but entrusted to the farm.

Warehousers’ liability

Covers liability arising from the storage of property belonging to third parties.

    Frequently asked questions

    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.

    Expert advice

    Through our articles, discover helpful content to better understand property and casualty insurance and make informed decisions. Benefit from practical advice for everyday life.

    Let’s talk about your reality

    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.

    Our expertise

    Coverage tailored to field crop and market gardening operations

    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.

    Words from our customers
    Fermes Farnham Ltd. is proud to collaborate with Courtika Insurance, true specialists in the insurance field. A trusted team that truly understands our agricultural reality.

    Essential 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.

    Recommended coverage

    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.

    Additional coverage

    These additional coverage options allow you to adjust your protection based on more specific needs or particular situations.

    Pollution

    Covers certain damage related to accidental environmental contamination.

    Goods in transit

    Protects farm products during transport to a buyer or warehouse.

      Frequently asked questions

      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.

      Expert advice

      Through our articles, discover helpful content to better understand property and casualty insurance and make informed decisions. Benefit from practical advice for everyday life.

      Let’s talk about your reality

      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.

      Our expertise

      Coverage tailored to orchards, vineyards and cideries

      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.

      Words from our customers
      Fermes Farnham Ltd. is proud to collaborate with Courtika Insurance, true specialists in the insurance field. A trusted team that truly understands our agricultural reality.

      Essential 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.

      Recommended coverage

      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.

      Additional coverage

      These additional coverage options allow you to adjust your protection based on more specific needs or particular situations.

      Earthquake

      Covers damage caused by ground movement resulting from seismic activity.

      Flood

      Covers damage caused by rising waters, including from rivers and heavy rainfall.

      Umbrella liability

      Covers liability-related damages, including non-economic damages. Supplements general liability coverage.

      Warehousers’ liability

      Covers damage for which you are liable for property entrusted to your care and custody.

      Farm animal protection

      Covers death of an animal resulting from a covered risk.

      Supplier or customer default

      Protects against financial consequences resulting from a claim affecting a supplier and/or customer.

        Frequently asked questions

        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.

        Expert advice

        Through our articles, discover helpful content to better understand property and casualty insurance and make informed decisions. Benefit from practical advice for everyday life.

        Let’s talk about your reality

        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.

        Our expertise

        Coverage tailored to the maple syrup industry

        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.

        Words from our customers
        Fermes Farnham Ltd. is proud to collaborate with Courtika Insurance, true specialists in the insurance field. A trusted team that truly understands our agricultural reality.

        Essential 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.

        Recommended coverage

        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.

        Additional coverage

        These additional coverage options allow you to adjust your protection based on more specific needs or particular situations.

        Pollution

        Covers certain accidental environmental damage.

        Equipment theft

        Protects against theft of insured agricultural equipment.

        Off-site property

        Covers agricultural equipment and property located outside the main site.

          Frequently asked questions

          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.

          Expert advice

          Through our articles, discover helpful content to better understand property and casualty insurance and make informed decisions. Benefit from practical advice for everyday life.

          Let’s talk about your reality

          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.

          Our expertise

          Insurance tailored to your situation

          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.

          Words from our customers
          Fermes Farnham Ltd. is proud to collaborate with Courtika Insurance, true specialists in the insurance field. A trusted team that truly understands our agricultural reality.

          Essential 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.

          Recommended coverage

          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.

          Additional coverage

          These additional coverage options allow you to adjust your protection based on more specific needs or particular situations.

          Farm-gate sales

          Extends liability to cover risks related to direct product sales.

          Theft

          Protects against theft of insured property.

          Flood

          Covers damage caused by flooding, subject to policy conditions.

          Earthquake

          Protects against damage caused by an earthquake.

          Sewer backup

          Covers damage resulting from sewer backup.

            Frequently asked questions

            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.

            Expert advice

            Through our articles, discover helpful content to better understand property and casualty insurance and make informed decisions. Benefit from practical advice for everyday life.

            Let’s talk about your reality

            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.

            Our expertise

            Insurance aligned with your job sites and operations

            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.

            Essential coverage

            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.

            Recommended coverage

            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.

            Additional coverage

            These additional coverage options allow you to adjust your coverage based on more specific needs or particular situations.

            Rented equipment

            Covers rented or borrowed equipment used in connection with your construction operations.

            Materials in transit

            Covers building materials and supplies while they are being transported to the job site.

            Cyber risks

            Covers expenses related to cyberattacks, data breaches, and interruptions to computer systems.

            Excess liability (Umbrella)

            Provides additional liability protection when the limits of your primary liability policy have been exhausted.

            Legal expense coverage

            Covers certain legal fees and defense costs related to a covered claim.

              Frequently asked questions

              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.

              Expert advice

              Through our articles, discover helpful content to better understand property and casualty insurance and make informed decisions. Benefit from practical advice for everyday life.

              Parlons de votre réalité

              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.

              Our expertise

              Protect your operations, from production to distribution

              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.

              Mandatory coverage

              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.

              Recommended coverage

              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.

              Additional coverage

              These additional coverage options allow you to adjust your coverage based on more specific needs or particular situations.

              Pollution

              Covers certain cleanup costs, damages and liabilities arising from a pollutant discharge related to the company’s operations.

              Employee fraud and theft

              Protects against certain eligible losses, damage or liabilities related to this coverage, subject to the policy conditions.

              Errors and omissions

              Covers certain claims related to professional misconduct, negligence or errors in the services or designs provided.

                Frequently asked questions

                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.

                Expert advice

                Through our articles, discover helpful content to better understand property and casualty insurance and make informed decisions. Benefit from practical advice for everyday life.

                Let’s talk about your reality

                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.

                Our expertise

                Protect your operations, from the road to the delivery

                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

                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.

                Recommended coverage

                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.

                Additional coverage

                These additional protections allow you to adjust your coverage based on more specific needs or particular situations.

                Environmental

                Covers certain costs and liabilities related to a spill or contamination caused by transport activities.

                Cyber risk

                Covers certain costs related to cyberattacks, data breaches, IT interruptions and crisis management.

                Cargo theft insurance

                Protects against certain financial losses resulting from theft of goods during transport or temporary storage.

                  Frequently asked questions

                  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.

                  Expert advice

                  Through our articles, discover helpful content to better understand property and casualty insurance and make informed decisions. Benefit from practical advice for everyday life.

                  Let’s talk about your reality

                  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.

                  Our expertise

                  Practice your profession with peace of mind

                  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.

                  Essential coverage

                  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.

                  Recommended coverage

                  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.

                  Additional coverage

                  These additional coverage options allow you to adjust your coverage based on more specific needs or particular situations.

                  Reputation damage

                  Covers certain public relations and crisis management costs to limit the financial impact of damage to the company’s image.

                  International extension

                  Extends coverage to mandates and claims arising from activities carried out outside Quebec or Canada, subject to contract terms.

                    Frequently asked questions

                    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.

                    Expert advice

                    Through our articles, discover helpful content to better understand property and casualty insurance and make informed decisions. Benefit from practical advice for everyday life.

                    Let’s talk about your reality

                    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.

                    Our expertise

                    Supporting your operations, from service to closing time

                    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.

                    Essential coverage

                    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.

                    Recommended coverage

                    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.

                    Additional coverage

                    These additional coverage options allow you to adjust your coverage based on more specific needs or particular situations.

                    Food spoilage

                    Covers the loss of food products following equipment breakdown, power outage or a covered claim.

                    Employee theft

                    Covers financial losses caused by dishonest or fraudulent acts committed by employees.

                      Frequently asked questions

                      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.

                      Expert advice

                      Through our articles, discover helpful content to better understand property and casualty insurance and make informed decisions. Benefit from practical advice for everyday life.

                      Let’s talk about your reality

                      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.