{"id":1096,"date":"2026-04-23T15:31:07","date_gmt":"2026-04-23T19:31:07","guid":{"rendered":"https:\/\/www.courtika.com\/?post_type=insurance&#038;p=1096"},"modified":"2026-07-13T17:57:05","modified_gmt":"2026-07-13T21:57:05","slug":"smb","status":"publish","type":"insurance","link":"https:\/\/www.courtika.com\/en\/our-products\/business-insurance\/smb-insurance\/","title":{"rendered":"SMB 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 that supports your growth<\/h1>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>SMBs face a variety of challenges: risk management, asset protection, customer liability and business continuity. Courtika supports small and medium-sized businesses across different sectors with flexible and consistent SMB insurance solutions.<\/p>\n<p>As your broker, we take the time to understand your business to offer coverage well suited to your current situation and goals.<\/p>\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=\"875e79d4ccd0331ed44bebb4e71ee4480\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-875e79d4ccd0331ed44bebb4e71ee4480\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Insurance of belongings<\/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-875e79d4ccd0331ed44bebb4e71ee4480\" 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 buildings, equipment and contenus of the business in the event of damage or of loss.<\/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=\"4f4b6542d5a51d82ac33154e7a83c6c21\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-4f4b6542d5a51d82ac33154e7a83c6c21\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">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-4f4b6542d5a51d82ac33154e7a83c6c21\" 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 eligible bodily injury or property damage caused to third parties, subject to the policy conditions.<\/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=\"d9e76b8c2f4e949e00f36d86960da3bd0\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-d9e76b8c2f4e949e00f36d86960da3bd0\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Business interruption<\/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-d9e76b8c2f4e949e00f36d86960da3bd0\" 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>Compensates for lost revenue and certain expenses during a business shutdown following a claim.<\/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=\"15791f0f9ed5bac61de48a9f8331e6ae1\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-15791f0f9ed5bac61de48a9f8331e6ae1\" 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-15791f0f9ed5bac61de48a9f8331e6ae1\" 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 sudden breakdown or failure of equipment.<\/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=\"151b9a38c354ed8ecdbb4c0ec9a2bd592\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-151b9a38c354ed8ecdbb4c0ec9a2bd592\" 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-151b9a38c354ed8ecdbb4c0ec9a2bd592\" 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 theft or acts of vandalism.<\/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=\"831f9c10bf665ecea4dd79025862efb83\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-831f9c10bf665ecea4dd79025862efb83\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Cyber risks<\/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-831f9c10bf665ecea4dd79025862efb83\" 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 expenses related to IT incidents, such as cyberattacks, data loss or system interruptions.<\/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: 3\">\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\">Entrusted property \/ customer property<\/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 damage or loss to property belonging to customers or entrusted to your business.<\/p>\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\">Cargo insurance<\/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 goods during transport against loss or damage.<\/p>\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 protection when the limits of your basic liability insurance are reached.<\/p>\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=\"e61114bfd7cdf4f4fe43a49f67a891fb0\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-e61114bfd7cdf4f4fe43a49f67a891fb0\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Are damages caused by my employees covered?<\/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-e61114bfd7cdf4f4fe43a49f67a891fb0\" 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, damage caused by your employees in the course of their duties is generally covered by the company&#8217;s general liability insurance.<\/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=\"9f30c3e8e704f9cb6d9cb658182b455a1\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-9f30c3e8e704f9cb6d9cb658182b455a1\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">How are the insurance amounts for my property determined?<\/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-9f30c3e8e704f9cb6d9cb658182b455a1\" 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>Insurance amounts are based on the replacement value of insured property (building, contents, equipment), to ensure adequate protection in the event of a claim.<\/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=\"ce72a10802e403670b882200e4f888662\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-ce72a10802e403670b882200e4f888662\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Are my assets covered when they are outside the premises (job site, client location, warehouse)?<\/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-ce72a10802e403670b882200e4f888662\" 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, with the appropriate coverage, your property can be insured even when located outside your usual premises.<\/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\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\": \"Are damages caused by my employees covered?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"<p>Yes, damage caused by your employees in the course of their duties is generally covered by the company&#8217;s general liability insurance.<\/p>\"\n            }\n        },\n        {\n            \"@type\": \"Question\",\n            \"name\": \"How are the insurance amounts for my property determined?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"<p>Insurance amounts are based on the replacement value of insured property (building, contents, equipment), to ensure adequate protection in the event of a claim.<\/p>\"\n            }\n        },\n        {\n            \"@type\": \"Question\",\n            \"name\": \"Are my assets covered when they are outside the premises (job site, client location, warehouse)?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"<p>Yes, with the appropriate coverage, your property can be insured even when located outside your usual premises.<\/p>\"\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, 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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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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.<\/p>\n\t\t\t\t\t\t\t\t\n\t\t\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\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\tContact us\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\tContact us\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\t\t<\/div>\n\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<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"bg-shape\" aria-hidden=\"true\">\n\t\t\t\t<svg viewBox=\"0 0 1440 868\" preserveAspectRatio=\"xMidYMid slice\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t<mask id=\"mask0_text_cta_b\" style=\"mask-type:alpha\" maskUnits=\"userSpaceOnUse\" x=\"0\" y=\"0\" width=\"1440\" height=\"868\">\n\t\t\t\t\t\t<rect width=\"1440\" height=\"868\" fill=\"#D9D9D9\"\/>\n\t\t\t\t\t<\/mask>\n\n\t\t\t\t\t<g mask=\"url(#mask0_text_cta_b)\">\n\t\t\t\t\t\t<path d=\"M1175.62 321.135L1631 509.934V965.456L1175.62 776.655L720.001 588.09V132.334L1175.62 321.135Z\" fill=\"url(#paint0_linear_text_cta_b)\"\/>\n\t\t\t\t\t\t\n\t\t\t\t\t\t<path d=\"M264.618 321.135L-191 509.934V965.456L264.618 776.655L720.001 588.09V132.334L264.618 321.135Z\" fill=\"url(#paint1_linear_text_cta_b)\"\/>\n\t\t\t\t\t\t\n\t\t\t\t\t\t<path d=\"M264.618 1421.21V965.457V776.656L-191 965.457V1421.21L264.618 1610.01V1421.21Z\" fill=\"url(#paint2_linear_text_cta_b)\"\/>\n\t\t\t\t\t<\/g>\n\n\t\t\t\t\t<defs>\n\t\t\t\t\t\t<linearGradient id=\"paint0_linear_text_cta_b\" x1=\"720.001\" y1=\"549.013\" x2=\"1631\" y2=\"549.013\" gradientUnits=\"userSpaceOnUse\">\n\t\t\t\t\t\t\t<stop stop-color=\"#2897D5\"\/>\n\t\t\t\t\t\t\t<stop offset=\"1\" stop-color=\"#10436F\"\/>\n\t\t\t\t\t\t<\/linearGradient>\n\n\t\t\t\t\t\t<linearGradient id=\"paint1_linear_text_cta_b\" x1=\"-191\" y1=\"-11518.9\" x2=\"720.001\" y2=\"-11518.9\" gradientUnits=\"userSpaceOnUse\">\n\t\t\t\t\t\t\t<stop stop-color=\"#2897D5\"\/>\n\t\t\t\t\t\t\t<stop offset=\"1\" stop-color=\"#10436F\"\/>\n\t\t\t\t\t\t<\/linearGradient>\n\n\t\t\t\t\t\t<linearGradient id=\"paint2_linear_text_cta_b\" x1=\"36.8088\" y1=\"1610.01\" x2=\"36.8088\" y2=\"776.656\" gradientUnits=\"userSpaceOnUse\">\n\t\t\t\t\t\t\t<stop stop-color=\"#2897D5\"\/>\n\t\t\t\t\t\t\t<stop offset=\"1\" stop-color=\"#10436F\"\/>\n\t\t\t\t\t\t<\/linearGradient>\n\t\t\t\t\t<\/defs>\n\t\t\t\t<\/svg>\n\t\t\t<\/div>\n\t\t<\/section>\n\t","protected":false},"excerpt":{"rendered":"<p>Turnkey insurance designed for small and medium-sized businesses, combining coverage for your assets and your general business liability.<\/p>\n","protected":false},"featured_media":1095,"template":"","insurance-category":[43,44],"class_list":["post-1096","insurance","type-insurance","status-publish","has-post-thumbnail","hentry","insurance-category-commercial-insurance-brokers","insurance-category-sector-insurance"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.courtika.com\/en\/wp-json\/wp\/v2\/insurance\/1096","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.courtika.com\/en\/wp-json\/wp\/v2\/insurance"}],"about":[{"href":"https:\/\/www.courtika.com\/en\/wp-json\/wp\/v2\/types\/insurance"}],"version-history":[{"count":5,"href":"https:\/\/www.courtika.com\/en\/wp-json\/wp\/v2\/insurance\/1096\/revisions"}],"predecessor-version":[{"id":1715,"href":"https:\/\/www.courtika.com\/en\/wp-json\/wp\/v2\/insurance\/1096\/revisions\/1715"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.courtika.com\/en\/wp-json\/wp\/v2\/media\/1095"}],"wp:attachment":[{"href":"https:\/\/www.courtika.com\/en\/wp-json\/wp\/v2\/media?parent=1096"}],"wp:term":[{"taxonomy":"insurance-category","embeddable":true,"href":"https:\/\/www.courtika.com\/en\/wp-json\/wp\/v2\/insurance-category?post=1096"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}