{"id":1057,"date":"2026-04-23T15:25:49","date_gmt":"2026-04-23T19:25:49","guid":{"rendered":"https:\/\/www.courtika.com\/?post_type=insurance&#038;p=1057"},"modified":"2026-07-20T17:27:31","modified_gmt":"2026-07-20T21:27:31","slug":"assurance-entreprise-construction","status":"publish","type":"insurance","link":"https:\/\/www.courtika.com\/en\/our-products\/business-insurance\/construction-business-insurance\/","title":{"rendered":"Construction insurance"},"content":{"rendered":"\t\t<header class=\"media-text-image-a section-block light-theme with-background is-reverse\" data-scroll-section>\n\t\t\t<div class=\"container\">\n\t\t\t\t<div class=\"row row-main\">\n\t\t\t\t\t<div class=\"col-lg-7 col-content light-theme\">\n\t\t\t\t\t\t<div class=\"content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"upper-title-1\">Our expertise<\/span>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<h1 class=\"title-3\">Insurance aligned with your job sites and operations<\/h1>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>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.<\/p>\n<div>\n<p>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.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"btns\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.courtika.com\/en\/about\/why-choose-courtika\/\"\n\t\t\t\tclass=\"button button-primary reverse\"\n\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t<div class=\"icon\">\n\t\t\t\t\t\t<i class=\"material-symbols-outlined\" aria-hidden=\"true\">arrow_forward<\/i>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<span class=\"button-mask\">\n\t\t\t\t\t<span class=\"mask-label\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tWhy choose Courtika\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span aria-hidden=\"true\" class=\"mask-extra-label\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tWhy choose Courtika\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col-lg-5 col-image\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" width=\"3333\" height=\"3333\" src=\"https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1.jpg\" class=\"image\" alt=\"\" sizes=\"auto\" srcset=\"https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1.jpg 3333w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-300x300.jpg 300w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-1024x1024.jpg 1024w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-150x150.jpg 150w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-768x768.jpg 768w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-1536x1536.jpg 1536w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-2048x2048.jpg 2048w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-96x96.jpg 96w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-80x80.jpg 80w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-186x186.jpg 186w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-206x206.jpg 206w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-238x238.jpg 238w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-275x275.jpg 275w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-428x428.jpg 428w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-550x550.jpg 550w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-580x580.jpg 580w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-780x780.jpg 780w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-885x885.jpg 885w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-900x900.jpg 900w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-960x960.jpg 960w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-1160x1160.jpg 1160w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-1280x1280.jpg 1280w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-1366x1366.jpg 1366w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-1440x1440.jpg 1440w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-1600x1600.jpg 1600w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/04\/Lifestyle_16_0717_1x1-1920x1920.jpg 1920w\" \/>\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/header>\n\t\n\n\t\t<section class=\"list-text-drawer-a section-block light-theme\" data-scroll-section>\n\t\t\t<div class=\"container\">\n\t\t\t\t<div class=\"row row-main\">\n\t\t\t\t\t<div class=\"col-lg-4 col-left\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"title-3\">Essential coverage<\/h2>\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"text\">\n\t\t\t\t\t\t\t\t<p>This coverage protects the basics and the most common risks, providing protection suited to everyday situations.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-lg-7 offset-lg-1 right-column\">\n\t\t\t\t\t\t\t<div class=\"open-collapse-container\" data-collapser-module=\"default\">\n\t\t\t\t\t<div class=\"open-collapse-wrapper\" data-collapser=\"49f4f583a54bedea8076366c66e1e3110\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-49f4f583a54bedea8076366c66e1e3110\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Commercial general liability<\/div>\n\t\t\t\t<span class=\"button button-secondary toggle-btn\" aria-hidden=\"true\">\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-add\">add<\/span>\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-remove\">remove<\/span>\n\t\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<div id=\"collapseContent-49f4f583a54bedea8076366c66e1e3110\" class=\"open-collapse-content\" data-collapser-content>\n\t\t\t\t<div class=\"oc-content-mask\">\n\t\t\t\t\t<div class=\"oc-content-inner\">\n\t\t\t\t\t\t<p>Covers bodily injury and property damage caused to third parties as a result of your construction operations.<\/p>\n<div>\n<h3 class=\"title-3\"><\/h3>\n<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<div class=\"open-collapse-wrapper\" data-collapser=\"75fe00fc876582c54b5c664163a2afe21\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-75fe00fc876582c54b5c664163a2afe21\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Builders risk insurance<\/div>\n\t\t\t\t<span class=\"button button-secondary toggle-btn\" aria-hidden=\"true\">\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-add\">add<\/span>\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-remove\">remove<\/span>\n\t\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<div id=\"collapseContent-75fe00fc876582c54b5c664163a2afe21\" class=\"open-collapse-content\" data-collapser-content>\n\t\t\t\t<div class=\"oc-content-mask\">\n\t\t\t\t\t<div class=\"oc-content-inner\">\n\t\t\t\t\t\t<p>Covers damage to a project while it is under construction due to a sudden and accidental event.<\/p>\n<div>\n<h3 class=\"title-3\"><\/h3>\n<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<div class=\"open-collapse-wrapper\" data-collapser=\"a25df23b899739c971462517b879a79e2\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-a25df23b899739c971462517b879a79e2\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Theft and vandalism<\/div>\n\t\t\t\t<span class=\"button button-secondary toggle-btn\" aria-hidden=\"true\">\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-add\">add<\/span>\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-remove\">remove<\/span>\n\t\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<div id=\"collapseContent-a25df23b899739c971462517b879a79e2\" class=\"open-collapse-content\" data-collapser-content>\n\t\t\t\t<div class=\"oc-content-mask\">\n\t\t\t\t\t<div class=\"oc-content-inner\">\n\t\t\t\t\t\t<p>Covers losses or damage resulting from the theft of materials, equipment, or acts of vandalism on the job site.<\/p>\n<div>\n<h3 class=\"title-3\"><\/h3>\n<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<div class=\"open-collapse-wrapper\" data-collapser=\"bf9a93e68ce67b4d222f02d8db7be4bf3\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-bf9a93e68ce67b4d222f02d8db7be4bf3\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Tools and equipment<\/div>\n\t\t\t\t<span class=\"button button-secondary toggle-btn\" aria-hidden=\"true\">\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-add\">add<\/span>\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-remove\">remove<\/span>\n\t\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<div id=\"collapseContent-bf9a93e68ce67b4d222f02d8db7be4bf3\" class=\"open-collapse-content\" data-collapser-content>\n\t\t\t\t<div class=\"oc-content-mask\">\n\t\t\t\t\t<div class=\"oc-content-inner\">\n\t\t\t\t\t\t<p>Covers tools, portable equipment, and construction machinery against damage or theft.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<div class=\"open-collapse-wrapper\" data-collapser=\"a8a1098bbb03c6c612e3ae8870b70fd04\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-a8a1098bbb03c6c612e3ae8870b70fd04\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Employers\u2019 liability<\/div>\n\t\t\t\t<span class=\"button button-secondary toggle-btn\" aria-hidden=\"true\">\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-add\">add<\/span>\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-remove\">remove<\/span>\n\t\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<div id=\"collapseContent-a8a1098bbb03c6c612e3ae8870b70fd04\" class=\"open-collapse-content\" data-collapser-content>\n\t\t\t\t<div class=\"oc-content-mask\">\n\t\t\t\t\t<div class=\"oc-content-inner\">\n\t\t\t\t\t\t<p>Covers the company&#8217;s liability arising from certain claims involving its employees.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\n\n\t\t<section class=\"list-text-drawer-a section-block light-theme\" data-scroll-section>\n\t\t\t<div class=\"container\">\n\t\t\t\t<div class=\"row row-main\">\n\t\t\t\t\t<div class=\"col-lg-4 col-left\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"title-3\">Recommended coverage<\/h2>\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"text\">\n\t\t\t\t\t\t\t\t<p>Depending on your situation, certain additional coverage may be recommended to better manage your risks and avoid surprises.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-lg-7 offset-lg-1 right-column\">\n\t\t\t\t\t\t\t<div class=\"open-collapse-container\" data-collapser-module=\"default\">\n\t\t\t\t\t<div class=\"open-collapse-wrapper\" data-collapser=\"585ad1da37c0b453e8f01bc59dd5e4880\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-585ad1da37c0b453e8f01bc59dd5e4880\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Equipment breakdown<\/div>\n\t\t\t\t<span class=\"button button-secondary toggle-btn\" aria-hidden=\"true\">\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-add\">add<\/span>\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-remove\">remove<\/span>\n\t\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<div id=\"collapseContent-585ad1da37c0b453e8f01bc59dd5e4880\" class=\"open-collapse-content\" data-collapser-content>\n\t\t\t\t<div class=\"oc-content-mask\">\n\t\t\t\t\t<div class=\"oc-content-inner\">\n\t\t\t\t\t\t<p>Covers damage caused by a mechanical or electrical failure of equipment used on the job site.<\/p>\n<div>\n<h3 class=\"title-3\"><\/h3>\n<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<div class=\"open-collapse-wrapper\" data-collapser=\"88d3c316d75e11bbf628a326168e61c01\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-88d3c316d75e11bbf628a326168e61c01\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Environmental liability<\/div>\n\t\t\t\t<span class=\"button button-secondary toggle-btn\" aria-hidden=\"true\">\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-add\">add<\/span>\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-remove\">remove<\/span>\n\t\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<div id=\"collapseContent-88d3c316d75e11bbf628a326168e61c01\" class=\"open-collapse-content\" data-collapser-content>\n\t\t\t\t<div class=\"oc-content-mask\">\n\t\t\t\t\t<div class=\"oc-content-inner\">\n\t\t\t\t\t\t<p>Covers claims and cleanup costs resulting from accidental pollution or contamination incidents.<\/p>\n<div>\n<h3 class=\"title-3\"><\/h3>\n<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<div class=\"open-collapse-wrapper\" data-collapser=\"44003f9a16729c15c8c092ae372a367d2\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-44003f9a16729c15c8c092ae372a367d2\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Errors and omissions for contractors<\/div>\n\t\t\t\t<span class=\"button button-secondary toggle-btn\" aria-hidden=\"true\">\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-add\">add<\/span>\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-remove\">remove<\/span>\n\t\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<div id=\"collapseContent-44003f9a16729c15c8c092ae372a367d2\" class=\"open-collapse-content\" data-collapser-content>\n\t\t\t\t<div class=\"oc-content-mask\">\n\t\t\t\t\t<div class=\"oc-content-inner\">\n\t\t\t\t\t\t<p>Covers certain claims arising from professional errors, omissions, or deficiencies in the performance of contracted work.<\/p>\n<div>\n<h3 class=\"title-3\"><\/h3>\n<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<div class=\"open-collapse-wrapper\" data-collapser=\"49ae7257f3c3f78d98c0f268dbe5a6f03\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-49ae7257f3c3f78d98c0f268dbe5a6f03\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Loss of income or project delays<\/div>\n\t\t\t\t<span class=\"button button-secondary toggle-btn\" aria-hidden=\"true\">\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-add\">add<\/span>\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-remove\">remove<\/span>\n\t\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<div id=\"collapseContent-49ae7257f3c3f78d98c0f268dbe5a6f03\" class=\"open-collapse-content\" data-collapser-content>\n\t\t\t\t<div class=\"oc-content-mask\">\n\t\t\t\t\t<div class=\"oc-content-inner\">\n\t\t\t\t\t\t<p>Covers financial losses or additional expenses resulting from delays caused by a covered loss.<\/p>\n<div>\n<h3 class=\"title-3\"><\/h3>\n<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<div class=\"open-collapse-wrapper\" data-collapser=\"f974fd36dc713ed5a26897cde64548884\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-f974fd36dc713ed5a26897cde64548884\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Subcontractor liability<\/div>\n\t\t\t\t<span class=\"button button-secondary toggle-btn\" aria-hidden=\"true\">\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-add\">add<\/span>\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-remove\">remove<\/span>\n\t\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<div id=\"collapseContent-f974fd36dc713ed5a26897cde64548884\" class=\"open-collapse-content\" data-collapser-content>\n\t\t\t\t<div class=\"oc-content-mask\">\n\t\t\t\t\t<div class=\"oc-content-inner\">\n\t\t\t\t\t\t<p>Provides additional protection for work performed by subcontractors involved in the project.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\n\n\t\t<section class=\"group-icons section-block light-theme is-slider\" data-scroll-section>\n\t\t\t<div class=\"container\">\n\t\t\t\t<div class=\"row row-main\">\n\t\t\t\t\t<div class=\"col-lg-5 col-md-6\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<h2 class=\"title-3\">Additional coverage<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p>These additional coverage options allow you to adjust your coverage based on more specific needs or particular situations.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-lg-3 offset-lg-4 col-btns\">\n\t\t\t\t\t\t\t<div class=\"btns\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.courtika.com\/en\/contact-us\/\"\n\t\t\t\tclass=\"button button-primary reverse\"\n\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t<div class=\"icon\">\n\t\t\t\t\t\t<i class=\"material-symbols-outlined\" aria-hidden=\"true\">arrow_forward<\/i>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<span class=\"button-mask\">\n\t\t\t\t\t<span class=\"mask-label\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tTalk to a broker\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span aria-hidden=\"true\" class=\"mask-extra-label\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tTalk to a broker\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12\">\n\t\t\t\t\t\t\t<div class=\"content-wrapper\">\n\t\t\t\t\t\t\t\t<div class=\"content\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"splide slider\" data-splide-slider data-splide=\"{&quot;type&quot;:&quot;slide&quot;,&quot;drag&quot;:&quot;free&quot;,&quot;perPage&quot;:3,&quot;snap&quot;:false,&quot;omitEnd&quot;:true,&quot;pagination&quot;:true,&quot;breakpoints&quot;:{&quot;991&quot;:{&quot;perPage&quot;:2},&quot;767&quot;:{&quot;perPage&quot;:1}}}\" style=\"--slider-total-slide: 5\">\n\t\t\t<div class=\"splide__track slider-track dark-theme\">\n\t\t\t\t<div class=\"splide__list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n<article class=\"slide-wrapper splide__slide\">\n\t<div class=\"tile  \">\n\t\t<div class=\"tile-content\">\n\t\t\t\t\t\t\t<div class=\"top\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"image-wrapper\">\n\t\t\t\t\t\t\t<svg width=\"48\" height=\"48\" viewBox=\"0 0 48 48\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M24 44C21.2333 44 18.6333 43.475 16.2 42.425C13.7667 41.375 11.65 39.95 9.85 38.15C8.05 36.35 6.625 34.2333 5.575 31.8C4.525 29.3667 4 26.7667 4 24C4 21.2333 4.525 18.6333 5.575 16.2C6.625 13.7667 8.05 11.65 9.85 9.85C11.65 8.05 13.7667 6.625 16.2 5.575C18.6333 4.525 21.2333 4 24 4C26.1667 4 28.2167 4.31667 30.15 4.95C32.0833 5.58333 33.8667 6.46667 35.5 7.6L32.6 10.55C31.3333 9.75 29.9833 9.125 28.55 8.675C27.1167 8.225 25.6 8 24 8C19.5667 8 15.7917 9.55833 12.675 12.675C9.55833 15.7917 8 19.5667 8 24C8 28.4333 9.55833 32.2083 12.675 35.325C15.7917 38.4417 19.5667 40 24 40C25.0667 40 26.1 39.9 27.1 39.7C28.1 39.5 29.0667 39.2167 30 38.85L33 41.9C31.6333 42.5667 30.2 43.0833 28.7 43.45C27.2 43.8167 25.6333 44 24 44ZM38 40V34H32V30H38V24H42V30H48V34H42V40H38ZM21.2 33.2L12.7 24.7L15.5 21.9L21.2 27.6L41.2 7.55L44 10.35L21.2 33.2Z\" fill=\"#2897D5\"\/>\n<\/svg>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title title-5\">Rented equipment<\/h3>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"bottom\">\n\t\t\t\t\t<p>Covers rented or borrowed equipment used in connection with your construction operations.<\/p>\n<div>\n<h3><\/h3>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/article>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n<article class=\"slide-wrapper splide__slide\">\n\t<div class=\"tile  \">\n\t\t<div class=\"tile-content\">\n\t\t\t\t\t\t\t<div class=\"top\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"image-wrapper\">\n\t\t\t\t\t\t\t<svg width=\"48\" height=\"48\" viewBox=\"0 0 48 48\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M24 44C21.2333 44 18.6333 43.475 16.2 42.425C13.7667 41.375 11.65 39.95 9.85 38.15C8.05 36.35 6.625 34.2333 5.575 31.8C4.525 29.3667 4 26.7667 4 24C4 21.2333 4.525 18.6333 5.575 16.2C6.625 13.7667 8.05 11.65 9.85 9.85C11.65 8.05 13.7667 6.625 16.2 5.575C18.6333 4.525 21.2333 4 24 4C26.1667 4 28.2167 4.31667 30.15 4.95C32.0833 5.58333 33.8667 6.46667 35.5 7.6L32.6 10.55C31.3333 9.75 29.9833 9.125 28.55 8.675C27.1167 8.225 25.6 8 24 8C19.5667 8 15.7917 9.55833 12.675 12.675C9.55833 15.7917 8 19.5667 8 24C8 28.4333 9.55833 32.2083 12.675 35.325C15.7917 38.4417 19.5667 40 24 40C25.0667 40 26.1 39.9 27.1 39.7C28.1 39.5 29.0667 39.2167 30 38.85L33 41.9C31.6333 42.5667 30.2 43.0833 28.7 43.45C27.2 43.8167 25.6333 44 24 44ZM38 40V34H32V30H38V24H42V30H48V34H42V40H38ZM21.2 33.2L12.7 24.7L15.5 21.9L21.2 27.6L41.2 7.55L44 10.35L21.2 33.2Z\" fill=\"#2897D5\"\/>\n<\/svg>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title title-5\">Materials in transit<\/h3>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"bottom\">\n\t\t\t\t\t<p>Covers building materials and supplies while they are being transported to the job site.<\/p>\n<div>\n<h3><\/h3>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/article>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n<article class=\"slide-wrapper splide__slide\">\n\t<div class=\"tile  \">\n\t\t<div class=\"tile-content\">\n\t\t\t\t\t\t\t<div class=\"top\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"image-wrapper\">\n\t\t\t\t\t\t\t<svg width=\"48\" height=\"48\" viewBox=\"0 0 48 48\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M24 44C21.2333 44 18.6333 43.475 16.2 42.425C13.7667 41.375 11.65 39.95 9.85 38.15C8.05 36.35 6.625 34.2333 5.575 31.8C4.525 29.3667 4 26.7667 4 24C4 21.2333 4.525 18.6333 5.575 16.2C6.625 13.7667 8.05 11.65 9.85 9.85C11.65 8.05 13.7667 6.625 16.2 5.575C18.6333 4.525 21.2333 4 24 4C26.1667 4 28.2167 4.31667 30.15 4.95C32.0833 5.58333 33.8667 6.46667 35.5 7.6L32.6 10.55C31.3333 9.75 29.9833 9.125 28.55 8.675C27.1167 8.225 25.6 8 24 8C19.5667 8 15.7917 9.55833 12.675 12.675C9.55833 15.7917 8 19.5667 8 24C8 28.4333 9.55833 32.2083 12.675 35.325C15.7917 38.4417 19.5667 40 24 40C25.0667 40 26.1 39.9 27.1 39.7C28.1 39.5 29.0667 39.2167 30 38.85L33 41.9C31.6333 42.5667 30.2 43.0833 28.7 43.45C27.2 43.8167 25.6333 44 24 44ZM38 40V34H32V30H38V24H42V30H48V34H42V40H38ZM21.2 33.2L12.7 24.7L15.5 21.9L21.2 27.6L41.2 7.55L44 10.35L21.2 33.2Z\" fill=\"#2897D5\"\/>\n<\/svg>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title title-5\">Cyber risks<\/h3>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"bottom\">\n\t\t\t\t\t<p>Covers expenses related to cyberattacks, data breaches, and interruptions to computer systems.<\/p>\n<div>\n<h3><\/h3>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/article>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n<article class=\"slide-wrapper splide__slide\">\n\t<div class=\"tile  \">\n\t\t<div class=\"tile-content\">\n\t\t\t\t\t\t\t<div class=\"top\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"image-wrapper\">\n\t\t\t\t\t\t\t<svg width=\"48\" height=\"48\" viewBox=\"0 0 48 48\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M24 44C21.2333 44 18.6333 43.475 16.2 42.425C13.7667 41.375 11.65 39.95 9.85 38.15C8.05 36.35 6.625 34.2333 5.575 31.8C4.525 29.3667 4 26.7667 4 24C4 21.2333 4.525 18.6333 5.575 16.2C6.625 13.7667 8.05 11.65 9.85 9.85C11.65 8.05 13.7667 6.625 16.2 5.575C18.6333 4.525 21.2333 4 24 4C26.1667 4 28.2167 4.31667 30.15 4.95C32.0833 5.58333 33.8667 6.46667 35.5 7.6L32.6 10.55C31.3333 9.75 29.9833 9.125 28.55 8.675C27.1167 8.225 25.6 8 24 8C19.5667 8 15.7917 9.55833 12.675 12.675C9.55833 15.7917 8 19.5667 8 24C8 28.4333 9.55833 32.2083 12.675 35.325C15.7917 38.4417 19.5667 40 24 40C25.0667 40 26.1 39.9 27.1 39.7C28.1 39.5 29.0667 39.2167 30 38.85L33 41.9C31.6333 42.5667 30.2 43.0833 28.7 43.45C27.2 43.8167 25.6333 44 24 44ZM38 40V34H32V30H38V24H42V30H48V34H42V40H38ZM21.2 33.2L12.7 24.7L15.5 21.9L21.2 27.6L41.2 7.55L44 10.35L21.2 33.2Z\" fill=\"#2897D5\"\/>\n<\/svg>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title title-5\">Excess liability (Umbrella)<\/h3>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"bottom\">\n\t\t\t\t\t<p>Provides additional liability protection when the limits of your primary liability policy have been exhausted.<\/p>\n<div>\n<h3><\/h3>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/article>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n<article class=\"slide-wrapper splide__slide\">\n\t<div class=\"tile  \">\n\t\t<div class=\"tile-content\">\n\t\t\t\t\t\t\t<div class=\"top\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"image-wrapper\">\n\t\t\t\t\t\t\t<svg width=\"48\" height=\"48\" viewBox=\"0 0 48 48\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M24 44C21.2333 44 18.6333 43.475 16.2 42.425C13.7667 41.375 11.65 39.95 9.85 38.15C8.05 36.35 6.625 34.2333 5.575 31.8C4.525 29.3667 4 26.7667 4 24C4 21.2333 4.525 18.6333 5.575 16.2C6.625 13.7667 8.05 11.65 9.85 9.85C11.65 8.05 13.7667 6.625 16.2 5.575C18.6333 4.525 21.2333 4 24 4C26.1667 4 28.2167 4.31667 30.15 4.95C32.0833 5.58333 33.8667 6.46667 35.5 7.6L32.6 10.55C31.3333 9.75 29.9833 9.125 28.55 8.675C27.1167 8.225 25.6 8 24 8C19.5667 8 15.7917 9.55833 12.675 12.675C9.55833 15.7917 8 19.5667 8 24C8 28.4333 9.55833 32.2083 12.675 35.325C15.7917 38.4417 19.5667 40 24 40C25.0667 40 26.1 39.9 27.1 39.7C28.1 39.5 29.0667 39.2167 30 38.85L33 41.9C31.6333 42.5667 30.2 43.0833 28.7 43.45C27.2 43.8167 25.6333 44 24 44ZM38 40V34H32V30H38V24H42V30H48V34H42V40H38ZM21.2 33.2L12.7 24.7L15.5 21.9L21.2 27.6L41.2 7.55L44 10.35L21.2 33.2Z\" fill=\"#2897D5\"\/>\n<\/svg>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title title-5\">Legal expense coverage<\/h3>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"bottom\">\n\t\t\t\t\t<p>Covers certain legal fees and defense costs related to a covered claim.<\/p>\n<div>\n<h3><\/h3>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/article>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\n<div class=\"slider-navigation\">\n\t\t\t<div class=\"splide__arrows slider-arrows\">\n\t\t\t\t\t\t<button class=\"button button-primary button-icon button-icon splide__arrow splide__arrow--prev slider-arrow arrow-prev\" >\n\t\t\t\t\t\t\t\t<span class=\"button-mask\">\n\t\t\t\t\t<span class=\"mask-label\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"material-symbols-outlined\" aria-hidden=\"true\">arrow_back<\/i>\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span aria-hidden=\"true\" class=\"mask-extra-label\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"material-symbols-outlined\" aria-hidden=\"true\">arrow_back<\/i>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t\t\t\t\t\t<button class=\"button button-primary button-icon button-icon splide__arrow splide__arrow--next slider-arrow arrow-next\" >\n\t\t\t\t\t\t\t\t<span class=\"button-mask\">\n\t\t\t\t\t<span class=\"mask-label\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"material-symbols-outlined\" aria-hidden=\"true\">arrow_forward<\/i>\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span aria-hidden=\"true\" class=\"mask-extra-label\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"material-symbols-outlined\" aria-hidden=\"true\">arrow_forward<\/i>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t\t<ul class=\"splide__pagination slider-pagination slider-pagination-line\"><\/ul>\n\t<\/div>\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\n\n\t<div class=\"list-faq-a section-block with-background dark-theme\" data-scroll-section>\n\t\t<div class=\"container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"row row-main\">\n\t\t\t\t\t\t<div class=\"col-lg-3 col-left light-theme\">\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"title-4\">Frequently asked questions<\/h2>\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"text\">\n\t\t\t\t\t\t\t\t\t<p>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.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"btns\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.courtika.com\/en\/faq\/\"\n\t\t\t\tclass=\"button button-primary reverse\"\n\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t<div class=\"icon\">\n\t\t\t\t\t\t<i class=\"material-symbols-outlined\" aria-hidden=\"true\">arrow_forward<\/i>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<span class=\"button-mask\">\n\t\t\t\t\t<span class=\"mask-label\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tView our full FAQ\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span aria-hidden=\"true\" class=\"mask-extra-label\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tView our full FAQ\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-lg-8 offset-lg-1 right-column light-theme\">\n\t\t\t\t\t\t\t\t<div class=\"open-collapse-container\" data-collapser-module=\"default\">\n\t\t\t\t\t<div class=\"open-collapse-wrapper\" data-collapser=\"dbbe8e64117bac175049dfa0f82e44240\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-dbbe8e64117bac175049dfa0f82e44240\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Do I need construction insurance for small construction or renovation projects?<\/div>\n\t\t\t\t<span class=\"button button-secondary toggle-btn\" aria-hidden=\"true\">\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-add\">add<\/span>\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-remove\">remove<\/span>\n\t\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<div id=\"collapseContent-dbbe8e64117bac175049dfa0f82e44240\" class=\"open-collapse-content\" data-collapser-content>\n\t\t\t\t<div class=\"oc-content-mask\">\n\t\t\t\t\t<div class=\"oc-content-inner\">\n\t\t\t\t\t\t<p>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.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<div class=\"open-collapse-wrapper\" data-collapser=\"f760bbd37db25f7374830020428129061\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-f760bbd37db25f7374830020428129061\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Does insurance cover work performed by my subcontractors?<\/div>\n\t\t\t\t<span class=\"button button-secondary toggle-btn\" aria-hidden=\"true\">\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-add\">add<\/span>\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-remove\">remove<\/span>\n\t\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<div id=\"collapseContent-f760bbd37db25f7374830020428129061\" class=\"open-collapse-content\" data-collapser-content>\n\t\t\t\t<div class=\"oc-content-mask\">\n\t\t\t\t\t<div class=\"oc-content-inner\">\n\t\t\t\t\t\t<p>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.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<div class=\"open-collapse-wrapper\" data-collapser=\"701e061b1b274c161b4e6d7e88ee1c902\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-701e061b1b274c161b4e6d7e88ee1c902\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Are my tools and equipment covered when they are used on different job sites?<\/div>\n\t\t\t\t<span class=\"button button-secondary toggle-btn\" aria-hidden=\"true\">\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-add\">add<\/span>\n\t\t\t\t\t<span class=\"material-symbols-outlined icon-remove\">remove<\/span>\n\t\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<div id=\"collapseContent-701e061b1b274c161b4e6d7e88ee1c902\" class=\"open-collapse-content\" data-collapser-content>\n\t\t\t\t<div class=\"oc-content-mask\">\n\t\t\t\t\t<div class=\"oc-content-inner\">\n\t\t\t\t\t\t<p>Yes. Most contractors&#8217; 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.<\/p>\n<div>\n<div class=\"fai-CopilotMessage__actions rmlvq19 ___7qar2c0 fcthzvy\" role=\"toolbar\" data-tabster=\"{&quot;mover&quot;:{&quot;cyclic&quot;:false,&quot;direction&quot;:2,&quot;memorizeCurrent&quot;:true}}\"><\/div>\n<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t<script type=\"application\/ld+json\">{\n    \"@context\": \"https:\/\/schema.org\",\n    \"@type\": \"FAQPage\",\n    \"mainEntity\": [\n        {\n            \"@type\": \"Question\",\n            \"name\": \"Do I need construction insurance for small construction or renovation projects?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"<p>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.<\/p>\"\n            }\n        },\n        {\n            \"@type\": \"Question\",\n            \"name\": \"Does insurance cover work performed by my subcontractors?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"<p>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.<\/p>\"\n            }\n        },\n        {\n            \"@type\": \"Question\",\n            \"name\": \"Are my tools and equipment covered when they are used on different job sites?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"<p>Yes. Most contractors&#8217; 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.<\/p>\\n<div>\\n<div class=\\\"fai-CopilotMessage__actions rmlvq19 ___7qar2c0 fcthzvy\\\" role=\\\"toolbar\\\" data-tabster=\\\"{&quot;mover&quot;:{&quot;cyclic&quot;:false,&quot;direction&quot;:2,&quot;memorizeCurrent&quot;:true}}\\\"><\/div>\\n<\/div>\"\n            }\n        }\n    ]\n}<\/script>\t\t<\/div>\n\t<\/div>\n\n\n\n\t\t<section class=\"article-related-a section-block light-theme\" data-scroll-section>\n\t\t\t<div class=\"container\">\n\t\t\t\t<div class=\"row row-main\">\n\t\t\t\t\t<div class=\"col-lg-12 col-title\">\n\t\t\t\t\t\t<div class=\"section-title\">\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<h2 class=\"title-3\">Expert advice<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"text\">\n\t\t\t\t\t\t\t\t\t<p>Through our articles, discover helpful content to better understand property and casualty insurance and make informed decisions. Benefit from practical advice for everyday life.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"btns\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.courtika.com\/en\/expert-advices\/\"\n\t\t\t\tclass=\"button button-primary reverse\"\n\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t<div class=\"icon\">\n\t\t\t\t\t\t<i class=\"material-symbols-outlined\" aria-hidden=\"true\">arrow_forward<\/i>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<span class=\"button-mask\">\n\t\t\t\t\t<span class=\"mask-label\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tSee more tips\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span aria-hidden=\"true\" class=\"mask-extra-label\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tSee more tips\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 slider\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"splide slider hide-nav\" data-splide-slider data-splide=\"{&quot;type&quot;:&quot;slide&quot;,&quot;perPage&quot;:3,&quot;omitEnd&quot;:true,&quot;breakpoints&quot;:{&quot;1199&quot;:{&quot;perPage&quot;:3},&quot;991&quot;:{&quot;perPage&quot;:2},&quot;767&quot;:{&quot;perPage&quot;:1}}}\">\n\t\t\t<div class=\"splide__track slider-track\">\n\t\t\t\t<div class=\"splide__list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<article class=\"slide-wrapper splide__slide\">\n\t\t\t<a class=\"link-overlay\" href=\"https:\/\/www.courtika.com\/en\/buying-your-first-home-what-home-insurance-coverage-do-you-need\/\"  aria-label=\"Buying Your First Home: What Home Insurance Coverage Do You Need?\"><span class=\"sr-only\">Buying Your First Home: What Home Insurance Coverage Do You Need?<\/span><\/a>\n\t\t<div class=\"tile\">\n\t\t<div class=\"tile-content\">\n\t\t\t\t\t\t\t<div class=\"image-wrapper\">\n\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" width=\"1024\" height=\"683\" src=\"https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-1024x683.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"\" srcset=\"https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-1024x683.jpg 1024w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-300x200.jpg 300w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-768x512.jpg 768w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-1536x1024.jpg 1536w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-2048x1365.jpg 2048w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-96x64.jpg 96w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-80x53.jpg 80w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-186x124.jpg 186w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-206x137.jpg 206w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-238x159.jpg 238w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-275x183.jpg 275w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-428x285.jpg 428w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-550x367.jpg 550w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-580x387.jpg 580w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-780x520.jpg 780w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-885x590.jpg 885w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-900x600.jpg 900w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-960x640.jpg 960w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-1160x773.jpg 1160w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-1280x853.jpg 1280w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-1366x911.jpg 1366w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-1440x960.jpg 1440w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-1600x1067.jpg 1600w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/knopka-ivy-i9aPNxsRPTo-unsplash-1920x1280.jpg 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t<span class=\"upper-title-1\">Housing<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title title-first-card title-6\">Buying Your First Home: What Home Insurance Coverage Do You Need?<\/h3>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t<\/div>\n<\/article>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<article class=\"slide-wrapper splide__slide\">\n\t\t\t<a class=\"link-overlay\" href=\"https:\/\/www.courtika.com\/en\/6-good-driving-habits-to-adopt\/\"  aria-label=\"6 Good Driving Habits to Adopt\"><span class=\"sr-only\">6 Good Driving Habits to Adopt<\/span><\/a>\n\t\t<div class=\"tile\">\n\t\t<div class=\"tile-content\">\n\t\t\t\t\t\t\t<div class=\"image-wrapper\">\n\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" width=\"1024\" height=\"685\" src=\"https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-1024x685.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"\" srcset=\"https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-1024x685.jpg 1024w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-300x201.jpg 300w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-768x514.jpg 768w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-1536x1028.jpg 1536w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-2048x1371.jpg 2048w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-96x64.jpg 96w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-80x54.jpg 80w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-186x125.jpg 186w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-206x138.jpg 206w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-238x159.jpg 238w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-275x184.jpg 275w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-428x287.jpg 428w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-550x368.jpg 550w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-580x388.jpg 580w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-780x522.jpg 780w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-885x592.jpg 885w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-900x602.jpg 900w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-960x643.jpg 960w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-1160x777.jpg 1160w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-1280x857.jpg 1280w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-1366x914.jpg 1366w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-1440x964.jpg 1440w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-1600x1071.jpg 1600w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/erik-witsoe-NYFUVvKYAdI-unsplash-1920x1285.jpg 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t<span class=\"upper-title-1\">Vehicle<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title title-first-card title-6\">6 Good Driving Habits to Adopt<\/h3>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t<\/div>\n<\/article>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<article class=\"slide-wrapper splide__slide\">\n\t\t\t<a class=\"link-overlay\" href=\"https:\/\/www.courtika.com\/en\/how-is-your-home-insurance-premium-calculated\/\"  aria-label=\"How Is Your Home Insurance Premium Calculated?\"><span class=\"sr-only\">How Is Your Home Insurance Premium Calculated?<\/span><\/a>\n\t\t<div class=\"tile\">\n\t\t<div class=\"tile-content\">\n\t\t\t\t\t\t\t<div class=\"image-wrapper\">\n\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" width=\"1024\" height=\"787\" src=\"https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-1024x787.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"\" srcset=\"https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-1024x787.jpg 1024w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-300x231.jpg 300w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-768x590.jpg 768w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-1536x1181.jpg 1536w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-2048x1574.jpg 2048w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-96x74.jpg 96w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-80x62.jpg 80w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-186x143.jpg 186w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-206x158.jpg 206w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-238x183.jpg 238w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-275x211.jpg 275w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-428x329.jpg 428w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-550x423.jpg 550w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-580x446.jpg 580w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-780x600.jpg 780w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-885x680.jpg 885w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-900x692.jpg 900w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-960x738.jpg 960w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-1160x892.jpg 1160w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-1280x984.jpg 1280w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-1366x1050.jpg 1366w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-1440x1107.jpg 1440w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-1600x1230.jpg 1600w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/07\/linus-belanger-mCMMYTck9AY-unsplash-e1784045941370-1920x1476.jpg 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t<span class=\"upper-title-1\">Housing<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title title-first-card title-6\">How Is Your Home Insurance Premium Calculated?<\/h3>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t<\/div>\n<\/article>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\n<div class=\"slider-navigation\">\n\t\t\t<div class=\"splide__arrows slider-arrows\">\n\t\t\t\t\t\t<button class=\"button button-primary 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https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/06\/S246061-1-300x300.jpg 300w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/06\/S246061-1-1024x1024.jpg 1024w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/06\/S246061-1-150x150.jpg 150w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/06\/S246061-1-768x768.jpg 768w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/06\/S246061-1-96x96.jpg 96w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/06\/S246061-1-80x80.jpg 80w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/06\/S246061-1-186x186.jpg 186w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/06\/S246061-1-206x206.jpg 206w, 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https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/06\/S246061-1-960x960.jpg 960w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/06\/S246061-1-1160x1160.jpg 1160w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/06\/S246061-1-1280x1280.jpg 1280w\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col-md-7 col-content light-theme\">\n\t\t\t\t\t\t<div class=\"content-wrapper\">\n\t\t\t\t\t\t\t<h2 class=\"title-3\">Parlons de votre r\u00e9alit\u00e9<\/h2>\n\t\t\t\t\t\t\t<div class=\"content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Chaque situation est diff\u00e9rente, et prendre le temps d\u2019en discuter fait toute la diff\u00e9rence. 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