Replacement value
Allows you to replace your vehicle with a new one without factoring in depreciation, subject to policy conditions.
Business insurance
Commercial Auto insurance
When your vehicles are at the heart of your operations, every trip counts. Whether delivering, transporting or intervening on-site, they directly support your business. We help you protect your vehicles and ensure the continuity of your operations.
Our expertise
Insurance designed for the realities of the road
Commercial auto involves very distinct challenges: frequent travel, increased liability, multiple drivers and business continuity. Courtika supports businesses with commercial vehicles or fleets with commercial auto insurance solutions tailored to their reality.
As your broker, we analyze how your vehicles are used to offer clear, consistent and well-structured coverage.
Mandatory coverage
This coverage protects the basics and the most common risks, providing protection suited to everyday situations.
Mandatory coverage for damage caused to others, with a minimum liability of $50,000.
Recommended coverage
Depending on your situation, certain additional coverage may be recommended to better manage your risks and avoid surprises.
Covers damage to your vehicle following a collision or rollover, regardless of fault.
Protects your vehicle against damage such as fire, theft, vandalism, broken glass or weather events (e.g. hail), without a collision occurring.
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, an employee is covered if they drive an insured vehicle as part of their duties, provided they are authorized to drive and the policy’s liability coverage is in effect.
Theft of tools or merchandise can be covered if properly insured, usually through property insurance or a specific endorsement, since auto insurance mainly covers the vehicle and its fixed equipment.
Yes, damage caused to a customer can be covered by liability insurance, whether auto or general, depending on whether the loss occurs during vehicle use or in the course of business operations.
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.