{"id":974,"date":"2026-05-06T11:10:43","date_gmt":"2026-05-06T15:10:43","guid":{"rendered":"https:\/\/www.courtika.com\/?page_id=974"},"modified":"2026-06-22T16:18:33","modified_gmt":"2026-06-22T20:18:33","slug":"faq","status":"publish","type":"page","link":"https:\/\/www.courtika.com\/en\/faq\/","title":{"rendered":"FAQ"},"content":{"rendered":"\t\t<header class=\"header-title section-block light-theme\" data-scroll-section>\n\t\t\t<div class=\"container container-main\">\n\t\t\t\t<div class=\"row row-main\">\n\t\t\t\t\t<div class=\"col-md-6 col-left\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"upper-title-1\">Your questions, our answers<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<h1 class=\"title-2\">FAQ<\/h1>\t\t\t\t\t\t\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<\/header>\n\t\n\n\t\t<div class=\"list-faq-b section-block with-background light-theme\" data-scroll-section data-list-faq-b-module>\n\t\t\t<div class=\"container\">\n\t\t\t\t\t\t\t\t<div class=\"row row-main\">\n\t\t\t\t\t<div class=\"col-md-12\">\n\t\t\t\t\t\t<div class=\"row row-faq\">\n\t\t\t\t\t\t\t<aside class=\"col-md-4 left-column\" data-sticky-element-parent>\n\t\t\t\t\t\t\t\t\t\t\t<button class=\"button button-secondary reverse filters\" data-filter-toggler>\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\">tune<\/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\tCategories\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\tCategories\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\t\t\n\t\t\t\t\t\t\t\t<div class=\"side-panel\" data-animation=\"stickyFaqAnchorList\" data-filter-panel>\n\t\t\t\t\t\t\t\t\t\t\t\t<button class=\"button button-primary button-icon button-close\" data-filter-panel-close>\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\">close<\/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\">close<\/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\t\t\t<nav class=\"faq-anchors-list\">\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\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"faq-anchor-link\" href=\"#general\" data-anchor-link>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"faq-anchor-link-label\">General<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"material-symbols-outlined faq-anchor-link-icon\" aria-hidden=\"true\">arrow_forward<\/i>\n\t\t\t\t\t\t\t\t\t\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\t\t\t\t\t\t\t\t\t\t\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 class=\"faq-anchor-link\" href=\"#vehicle-insurance\" data-anchor-link>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"faq-anchor-link-label\">Vehicle insurance<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"material-symbols-outlined faq-anchor-link-icon\" aria-hidden=\"true\">arrow_forward<\/i>\n\t\t\t\t\t\t\t\t\t\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\t\t\t\t\t\t\t\t\t\t\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 class=\"faq-anchor-link\" href=\"#housing-insurance\" data-anchor-link>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"faq-anchor-link-label\">Housing insurance<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"material-symbols-outlined faq-anchor-link-icon\" aria-hidden=\"true\">arrow_forward<\/i>\n\t\t\t\t\t\t\t\t\t\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\t\t\t\t\t\t\t\t\t\t\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 class=\"faq-anchor-link\" href=\"#business-insurance\" data-anchor-link>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"faq-anchor-link-label\">Business insurance<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"material-symbols-outlined faq-anchor-link-icon\" aria-hidden=\"true\">arrow_forward<\/i>\n\t\t\t\t\t\t\t\t\t\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\t\t\t\t\t\t\t\t\t\t\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 class=\"faq-anchor-link\" href=\"#farm-insurance\" data-anchor-link>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"faq-anchor-link-label\">Farm insurance<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"material-symbols-outlined faq-anchor-link-icon\" aria-hidden=\"true\">arrow_forward<\/i>\n\t\t\t\t\t\t\t\t\t\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\t\t\t\t\t\t\t\t\t\t\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 class=\"faq-anchor-link\" href=\"#the-insurance-broker-profession\" data-anchor-link>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"faq-anchor-link-label\">The insurance broker profession<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"material-symbols-outlined faq-anchor-link-icon\" aria-hidden=\"true\">arrow_forward<\/i>\n\t\t\t\t\t\t\t\t\t\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\t\t\t\t\t\t\t\t\t<\/nav>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/aside>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-md-8 right-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"drawers-category-wrapper\" id=\"general\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"title title-4\">General<\/h2>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"drawers\">\n\t\t\t\t\t\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=\"28a2fa834a544476cf00ee7826d7423d0\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-28a2fa834a544476cf00ee7826d7423d0\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">What are the advantages of using the MiKA virtual assistant for a quote request or for modifying an existing policy?<\/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-28a2fa834a544476cf00ee7826d7423d0\" 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>Notre assistante virtuelle MiKA est accessible en tout temps et o\u00f9 que vous soyez. Elle vous permet de faire une demande de soumission ou de modification de police \u00e0 tout moment, tout en \u00e9vitant les d\u00e9lais d\u2019attente lors des p\u00e9riodes de fort achalandage.<\/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=\"7a3bfcf177a4663b17b24d0aea0b7b371\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-7a3bfcf177a4663b17b24d0aea0b7b371\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Why should I register for my Courtika Client Portal?<\/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-7a3bfcf177a4663b17b24d0aea0b7b371\" 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>Like your bank, public service providers, or telecommunications provider, Courtika has implemented a client portal. This portal allows us to better protect your data by limiting its circulation to what is strictly necessary. Accessible 24 hours a day, 7 days a week, 365 days a year, it is available on both your computer and mobile devices.<\/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=\"c96e7bce20961e55cfad3298a07b30582\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-c96e7bce20961e55cfad3298a07b30582\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">What documents can I access through the Client Portal?<\/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-c96e7bce20961e55cfad3298a07b30582\" 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<ul>\n<li>Your insurance certificates (which you can add to your smartphone\u2018s mobile wallet)<\/li>\n<li>Your insurance policies<\/li>\n<li>Your payment schedule<\/li>\n<li>And many other important document!<\/li>\n<\/ul>\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=\"5df3159983f02eff6c23a76af74b88d03\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-5df3159983f02eff6c23a76af74b88d03\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">How to proceed to make a claim?<\/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-5df3159983f02eff6c23a76af74b88d03\" 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>For all the information on how to file a claim, you can visit our <a href=\"https:\/\/www.courtika.com\/en\/claims\/\">Claims page<\/a>.<\/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=\"467b26ff1cd975285e51407f44aa04ce4\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-467b26ff1cd975285e51407f44aa04ce4\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">What is the difference between a broker and an insurer?<\/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-467b26ff1cd975285e51407f44aa04ce4\" 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>An insurance broker acts as an intermediary between you and multiple insurance companies. They compare offers to provide you with the coverage that best suits your needs at the best price. An insurer, on the other hand, only sells its own products.<\/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=\"a63ebfbae5bb0188a69ddb2d5c31f83a5\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-a63ebfbae5bb0188a69ddb2d5c31f83a5\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Why use an insurance broker?<\/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-a63ebfbae5bb0188a69ddb2d5c31f83a5\" 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>Working with a broker allows you to benefit from personalized support. They analyze your situation, provide advice, and shop around on your behalf with multiple insurers, helping you save both time and money.<\/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\t\t\t\t\t<\/div>\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\t\t\t\t<div class=\"drawers-category-wrapper\" id=\"vehicle-insurance\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"title title-4\">Vehicle insurance<\/h2>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"drawers\">\n\t\t\t\t\t\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=\"ee553238a6ab3ef4ed4b090d64d392260\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-ee553238a6ab3ef4ed4b090d64d392260\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Can I lend my vehicle to someone?<\/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-ee553238a6ab3ef4ed4b090d64d392260\" 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, but under certain conditions. You must ensure the driver holds a valid licence. It is also important to verify how often you lend your vehicle. We may need to add that driver to your policy. If the person has their own insurance and is designated as a primary driver, you may lend your vehicle.<\/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=\"2cd607e785634571a51c685dee31c09e1\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-2cd607e785634571a51c685dee31c09e1\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Can I use my vehicle for Uber or DoorDash?<\/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-2cd607e785634571a51c685dee31c09e1\" 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>This use must always be declared, as not all insurers cover it.<\/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=\"306501e5f96bf89ac50dec8865b329d92\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-306501e5f96bf89ac50dec8865b329d92\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Why did my premium increase this year?<\/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-306501e5f96bf89ac50dec8865b329d92\" 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>There may be several factors, such as your area of use, the vehicle&#8217;s history, your claims record, your credit report, etc.<\/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=\"6958e5e8d06909e31037bce9053bd71d3\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-6958e5e8d06909e31037bce9053bd71d3\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Can I store my recreational vehicle?<\/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-6958e5e8d06909e31037bce9053bd71d3\" 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>No, storage credits are not available for recreational vehicles.<\/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=\"996e59b7436f81618be23e186835360a4\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-996e59b7436f81618be23e186835360a4\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Can I get a discount by insuring my recreational vehicle and my car together?<\/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-996e59b7436f81618be23e186835360a4\" 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>No, no discount applies between recreational vehicles and automobiles.<\/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=\"087999a1ff54ab10fde28addeb033a045\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-087999a1ff54ab10fde28addeb033a045\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">If my recreational vehicle is in my garage, is it covered by my home 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-087999a1ff54ab10fde28addeb033a045\" 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>No, never. Recreational vehicles must always be insured under a separate policy from home 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=\"3f378f1857eac96adfdd8b5e3826c5a06\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-3f378f1857eac96adfdd8b5e3826c5a06\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Does my RV need to be insured even if it is not driven during the winter?<\/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-3f378f1857eac96adfdd8b5e3826c5a06\" 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, your RV must remain insured during the winter, even if it is not being used. This protects it against risks such as theft, vandalism, fire or certain types of damage while in storage.<\/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=\"3483f110d0de46f57f48cf9181b7c82f7\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-3483f110d0de46f57f48cf9181b7c82f7\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Are personal belongings inside my RV 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-3483f110d0de46f57f48cf9181b7c82f7\" 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 insurers offer an option to cover personal belongings inside the RV.<\/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=\"fb8c28ac5b92b3dfc2f12598899249bb8\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-fb8c28ac5b92b3dfc2f12598899249bb8\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Am I covered if I travel to the United States?<\/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-fb8c28ac5b92b3dfc2f12598899249bb8\" 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, automatically. However, we recommend having at least $2 million in liability coverage, or more.<\/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=\"3c4d965c21c5e72ad8184be124bd02499\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-3c4d965c21c5e72ad8184be124bd02499\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Can I lend my RV to a friend?<\/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-3c4d965c21c5e72ad8184be124bd02499\" 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, you can lend it. However, if you plan to rent it out for compensation, you must notify your insurer beforehand.<\/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=\"7e7aec2e72dab3e9cf395f55f07d046710\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-7e7aec2e72dab3e9cf395f55f07d046710\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">If my boat hits the bottom or a rock, is the damage 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-7e7aec2e72dab3e9cf395f55f07d046710\" 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, provided that you have comprehensive coverage for your boat.<\/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=\"e5524cf26e558258ed7883a2a33fde9c11\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-e5524cf26e558258ed7883a2a33fde9c11\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Are personal belongings on board my boat 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-e5524cf26e558258ed7883a2a33fde9c11\" 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, personal effects such as clothing, sports equipment and electronics may be covered if you add personal belongings coverage.<\/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=\"ab011d5e2d7c8705270644702345635612\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-ab011d5e2d7c8705270644702345635612\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Is damage caused to the boat during transport covered by 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-ab011d5e2d7c8705270644702345635612\" 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, provided that you have comprehensive coverage for your boat.<\/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\t\t\t\t\t<\/div>\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\t\t\t\t<div class=\"drawers-category-wrapper\" id=\"housing-insurance\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"title title-4\">Housing insurance<\/h2>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"drawers\">\n\t\t\t\t\t\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=\"793e84fd10a61bdcd1b7fdeb091b8f8a0\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-793e84fd10a61bdcd1b7fdeb091b8f8a0\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">What is covered by owner-occupied home 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-793e84fd10a61bdcd1b7fdeb091b8f8a0\" 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>It covers the home, personal belongings and liability in the event of damage caused to others.<\/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=\"c8debc600c916b402b27d5c665bff16b1\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-c8debc600c916b402b27d5c665bff16b1\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Am I covered for water damage in my home?<\/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-c8debc600c916b402b27d5c665bff16b1\" 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, but only for included or added coverage, such as sewer backup, infiltration, overflow and similar risks.<\/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=\"3c9e7089fb1f48047acf2371786add252\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-3c9e7089fb1f48047acf2371786add252\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Should I insure my home for its market value?<\/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-3c9e7089fb1f48047acf2371786add252\" 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>No. It should be insured based on its reconstruction value, meaning the cost to rebuild it as new.<\/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=\"2ed5e3858eb71b14ce91b270d2e4c5143\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-2ed5e3858eb71b14ce91b270d2e4c5143\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">What is the difference between the syndicate insurance and my condo 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-2ed5e3858eb71b14ce91b270d2e4c5143\" 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>The syndicate covers the common areas and basic structure, while your insurance covers your belongings, improvements and liability.<\/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=\"521c1ced6cf00d177ca409d5ed0da78e4\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-521c1ced6cf00d177ca409d5ed0da78e4\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Do I need to insure improvements in my condo?<\/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-521c1ced6cf00d177ca409d5ed0da78e4\" 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, improvements such as the kitchen, flooring and similar upgrades must be insured individually.<\/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=\"cc86fff524481fee8d8045d2a543046f5\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-cc86fff524481fee8d8045d2a543046f5\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Am I responsible for the syndicate deductible?<\/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-cc86fff524481fee8d8045d2a543046f5\" 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. In some cases, you may be responsible for part of the deductible.<\/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=\"987843f563f6bd4de9a7e144139b51fd6\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-987843f563f6bd4de9a7e144139b51fd6\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Why do I need tenant 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-987843f563f6bd4de9a7e144139b51fd6\" 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>It protects your belongings and covers you for civil liability, even if you are not the owner.<\/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=\"0e94bbff0e8a4f9e99d9e2ad5ba8ac9d7\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-0e94bbff0e8a4f9e99d9e2ad5ba8ac9d7\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Are my belongings covered in the event of theft or fire?<\/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-0e94bbff0e8a4f9e99d9e2ad5ba8ac9d7\" 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, your personal belongings are protected based on the coverage selected.<\/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=\"3ed128407134a6b37065c194d8ce9b488\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-3ed128407134a6b37065c194d8ce9b488\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Am I covered if I cause water damage to my neighbour\u2019s unit?<\/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-3ed128407134a6b37065c194d8ce9b488\" 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, your civil liability may cover damage caused to others.<\/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=\"b25a196e7e41408cda738b81fcf0d0799\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-b25a196e7e41408cda738b81fcf0d0799\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">What does income property insurance cover?<\/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-b25a196e7e41408cda738b81fcf0d0799\" 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>It covers the building, the owner&#8217;s liability and rental income losses.<\/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=\"57454288bbcd1bea3d5b02119311ea2810\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-57454288bbcd1bea3d5b02119311ea2810\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Are rental income losses covered in the event of a claim?<\/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-57454288bbcd1bea3d5b02119311ea2810\" 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, if you have rental income coverage.<\/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=\"4c05559231b2bfd88278b8fc2ea20d8211\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-4c05559231b2bfd88278b8fc2ea20d8211\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Does the insurance cover tenants&#8217; 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-4c05559231b2bfd88278b8fc2ea20d8211\" 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>No, tenants must have their own 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=\"88ba0c797a8c6e9fd92cdd28842db30412\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-88ba0c797a8c6e9fd92cdd28842db30412\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Is my cottage insured like my primary residence?<\/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-88ba0c797a8c6e9fd92cdd28842db30412\" 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>No, coverage may differ depending on seasonal or occasional use.<\/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=\"b8aacda7016a9adb829a45c3074a4b4613\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-b8aacda7016a9adb829a45c3074a4b4613\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Am I covered if my cottage is unoccupied during the winter?<\/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-b8aacda7016a9adb829a45c3074a4b4613\" 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, but certain conditions must be met, such as regular visits and heating requirements.<\/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=\"469691dbbf887f31e7a2ae972f40f4a814\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-469691dbbf887f31e7a2ae972f40f4a814\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Is damage caused by freezing 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-469691dbbf887f31e7a2ae972f40f4a814\" 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, if the required prevention measures are followed.<\/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=\"ee255d014ccdc19048749199251b67cc15\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-ee255d014ccdc19048749199251b67cc15\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Can I rent my property on Airbnb with standard 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-ee255d014ccdc19048749199251b67cc15\" 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>No, an endorsement or a specific policy is generally required.<\/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=\"3fd32ae9c761deb0f46284982b8698ec16\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-3fd32ae9c761deb0f46284982b8698ec16\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">How many rental days are allowed before I must declare the activity?<\/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-3fd32ae9c761deb0f46284982b8698ec16\" 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>Generally, more than 30 cumulative days per year must be declared, depending on the insurer.<\/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=\"e69ef042714534f1627fce5cf849770517\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-e69ef042714534f1627fce5cf849770517\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Am I covered for damage caused by a tenant?<\/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-e69ef042714534f1627fce5cf849770517\" 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, but only if the rental is declared and covered under your policy.<\/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=\"14681f639a4239d2518aad919f63e3f318\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-14681f639a4239d2518aad919f63e3f318\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Is my trailer covered like a home?<\/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-14681f639a4239d2518aad919f63e3f318\" 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>It has coverage similar to home insurance, but adapted to its stationary use.<\/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=\"e3685cfcc6fd3ae65a836a40ee0af20719\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-e3685cfcc6fd3ae65a836a40ee0af20719\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Are you belongings inside 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-e3685cfcc6fd3ae65a836a40ee0af20719\" 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, personal belongings may be covered based on the coverage selected.<\/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=\"0f5e900550e9b6f7806323860a1736d620\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-0f5e900550e9b6f7806323860a1736d620\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Am I covered for liability on my property?<\/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-0f5e900550e9b6f7806323860a1736d620\" 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, civil liability covers damage caused to third parties.<\/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\t\t\t\t\t<\/div>\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\t\t\t\t<div class=\"drawers-category-wrapper\" id=\"business-insurance\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"title title-4\">Business insurance<\/h2>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"drawers\">\n\t\t\t\t\t\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=\"7c8640f66032d4b0e5fee434dd9ec7e60\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-7c8640f66032d4b0e5fee434dd9ec7e60\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Am I covered if my product causes damage to a customer?<\/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-7c8640f66032d4b0e5fee434dd9ec7e60\" 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, if you have product liability insurance. It covers bodily injury or property damage caused after the sale or distribution of the product.<\/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=\"a0d19d79cf3d6a300fe06e7d7feb241f1\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-a0d19d79cf3d6a300fe06e7d7feb241f1\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">What happens if my production stops after a claim?<\/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-a0d19d79cf3d6a300fe06e7d7feb241f1\" 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>Business interruption insurance compensates for lost income and fixed expenses (salaries, rent) during the shutdown period.<\/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=\"1d300b53b6bbf38f2970d480b6081d152\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-1d300b53b6bbf38f2970d480b6081d152\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Is my specialized equipment covered in the event of a 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-1d300b53b6bbf38f2970d480b6081d152\" 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 always with standard property insurance. Equipment breakdown coverage is required to cover mechanical or electrical failures.<\/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=\"4543ea64436f2bf471231aa8790d423f3\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-4543ea64436f2bf471231aa8790d423f3\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Who is responsible in the event of cargo loss?<\/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-4543ea64436f2bf471231aa8790d423f3\" 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>The carrier may be held responsible, but often limited by contract or law. This is why cargo insurance is important.<\/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=\"b2ecb32acb1d8b93800f1e9acc2614a14\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-b2ecb32acb1d8b93800f1e9acc2614a14\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Does my insurance cover international shipments?<\/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-b2ecb32acb1d8b93800f1e9acc2614a14\" 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. A specific extension is required to cover shipments outside Canada or cross-border transports.<\/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=\"7c9f12cf42976691972301fb705402e15\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-7c9f12cf42976691972301fb705402e15\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">What happens in the event of cargo theft?<\/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-7c9f12cf42976691972301fb705402e15\" 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>If you have cargo insurance with a theft clause, the goods are reimbursed according to the limits and conditions set out in the policy.<\/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=\"633def4b2ac715416b208bd4418966a86\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-633def4b2ac715416b208bd4418966a86\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Am I covered if a client sues me for bad advice?<\/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-633def4b2ac715416b208bd4418966a86\" 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. Professional liability (errors and omissions) covers claims related to a fault, error or negligence in services provided to a client.<\/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=\"3690e850c2934443ab4d8b485a7fb1fa7\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-3690e850c2934443ab4d8b485a7fb1fa7\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Are legal fees included even if the complaint is unfounded?<\/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-3690e850c2934443ab4d8b485a7fb1fa7\" 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. Legal defence costs are generally covered, even if the lawsuit is unfounded, subject to the policy terms and 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\t\t\t\t<div class=\"open-collapse-wrapper\" data-collapser=\"6724f8a6110956b49355315bfc19edb28\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-6724f8a6110956b49355315bfc19edb28\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Does my coverage apply to work performed outside Quebec?<\/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-6724f8a6110956b49355315bfc19edb28\" 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, if an international extension is added to the policy. This option covers work performed outside Quebec or Canada.<\/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=\"0b476f8da4308b93ca07ab38bd1d295f9\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-0b476f8da4308b93ca07ab38bd1d295f9\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Am I covered if my refrigerator breaks down and I lose my inventory?<\/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-0b476f8da4308b93ca07ab38bd1d295f9\" 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 equipment breakdown coverage and protection for food spoilage, losses caused by equipment failure may be compensated.<\/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=\"06317b897232182034fdc085b77d7dc510\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-06317b897232182034fdc085b77d7dc510\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">What happens if I have to close temporarily due to a claim?<\/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-06317b897232182034fdc085b77d7dc510\" 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>Business interruption coverage can compensate for lost income and help pay certain fixed expenses during the closure period.<\/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=\"5ada8f7741eb58a5f3e964dea1a36b2611\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-5ada8f7741eb58a5f3e964dea1a36b2611\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Am I covered if a customer\u2019s vehicle is damaged?<\/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-5ada8f7741eb58a5f3e964dea1a36b2611\" 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 garagekeepers liability, which covers vehicles entrusted to you during repairs.<\/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=\"af32a314c4e00dd8cfec40bc12157c9212\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-af32a314c4e00dd8cfec40bc12157c9212\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">What happens in the event of theft in my garage?<\/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-af32a314c4e00dd8cfec40bc12157c9212\" 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>Property insurance generally covers contents, but specific theft protection is strongly recommended.<\/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=\"566aadd3edf7ac7b328243ec10a3123013\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-566aadd3edf7ac7b328243ec10a3123013\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Is my equipment covered in case of a 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-566aadd3edf7ac7b328243ec10a3123013\" 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>Only if you have equipment breakdown insurance. Mechanical breakdowns are not covered by a standard policy.<\/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=\"9a11a4ef260bebdd6c08c5da0b17430814\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-9a11a4ef260bebdd6c08c5da0b17430814\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">What is the difference between the condo corporation\u2019s insurance and the co-owners\u2019 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-9a11a4ef260bebdd6c08c5da0b17430814\" 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>The condo corporation&#8217;s insurance covers the building, common areas and the corporation&#8217;s liability. Each co-owner must take out their own insurance for their private unit, personal belongings and individual liability.<\/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=\"0b188124970fe79beb3bebbe848067a415\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-0b188124970fe79beb3bebbe848067a415\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Are the directors personally 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-0b188124970fe79beb3bebbe848067a415\" 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, provided the corporation holds directors and officers liability insurance. This coverage protects directors against lawsuits related to decisions, errors or omissions made in good faith while performing their duties.<\/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=\"9bf5e2d63168e933125b1db1b1b40fe216\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-9bf5e2d63168e933125b1db1b1b40fe216\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">How often should we reassess the building\u2019s reconstruction value?<\/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-9bf5e2d63168e933125b1db1b1b40fe216\" 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>Ideally, the reconstruction value should be reassessed every 3 to 5 years, or sooner in the case of major work, significant renovations or marked fluctuations in construction costs.<\/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=\"6f146d8df109c7d8359c04f886d911fa17\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-6f146d8df109c7d8359c04f886d911fa17\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Am I responsible for the contents of the units?<\/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-6f146d8df109c7d8359c04f886d911fa17\" 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>Generally not, if the contract is well structured, but your liability may be engaged in case of negligence (inadequate security, fire).<\/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=\"4c6c8e13906a3cc41afe62b1e85f06b518\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-4c6c8e13906a3cc41afe62b1e85f06b518\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">What happens in the event of theft in a locker?<\/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-4c6c8e13906a3cc41afe62b1e85f06b518\" 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>Your insurance rarely covers client belongings, but you could be held liable if the theft is linked to a management fault.<\/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=\"29cf17c424b20374355b79615871c0d419\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-29cf17c424b20374355b79615871c0d419\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">How am I covered in case of fire?<\/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-29cf17c424b20374355b79615871c0d419\" 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>Your building insurance covers the structure, but not tenant contents (unless a specific extension is added).<\/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=\"414b2fa66d646b8db8e9f6357ce981cc20\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-414b2fa66d646b8db8e9f6357ce981cc20\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Is my inventory covered against outside theft?<\/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-414b2fa66d646b8db8e9f6357ce981cc20\" 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, if you have auto inventory insurance that includes theft and 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=\"37b8258f614fabefc1f06b9894be122421\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-37b8258f614fabefc1f06b9894be122421\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Are test drives insured?<\/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-37b8258f614fabefc1f06b9894be122421\" 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 fleet insurance or a specific endorsement covering authorized drivers.<\/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=\"6c321f8b740f40152aa84a5c8978497522\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-6c321f8b740f40152aa84a5c8978497522\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">What does garagekeepers liability cover?<\/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-6c321f8b740f40152aa84a5c8978497522\" 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>It covers damage to customers&#8217; vehicles in your care, as well as certain errors related to services.<\/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=\"6081b8c2540b731c8ac059ab6fa2cf4d23\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-6081b8c2540b731c8ac059ab6fa2cf4d23\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Is an employee covered if they cause an accident?<\/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-6081b8c2540b731c8ac059ab6fa2cf4d23\" 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, an employee is covered if they drive an insured vehicle in the course of their duties, provided they are authorized to drive and the policy&#8217;s liability coverage is in effect.<\/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=\"b893a800dd6302013798ab179c464a5324\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-b893a800dd6302013798ab179c464a5324\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Is theft of tools or goods 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-b893a800dd6302013798ab179c464a5324\" 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>Theft of tools or goods may be covered if they are adequately insured, generally through property insurance or a specific endorsement, since auto insurance mainly covers the vehicle and its fixed 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=\"907125e6bcd128216f991b9e80a8382925\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-907125e6bcd128216f991b9e80a8382925\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Does insurance cover damage caused to a customer?<\/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-907125e6bcd128216f991b9e80a8382925\" 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 to a customer may be covered by liability insurance, whether auto or general, depending on whether the incident occurs while using the vehicle or in the course of business activities.<\/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=\"9c92eb8225d42e9d1669af193a25a62a26\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-9c92eb8225d42e9d1669af193a25a62a26\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Is damage 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-9c92eb8225d42e9d1669af193a25a62a26\" 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.<\/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=\"851081484d09bb1aa3f3d4842ca4764d27\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-851081484d09bb1aa3f3d4842ca4764d27\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">How are insurance amounts determined for my property?<\/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-851081484d09bb1aa3f3d4842ca4764d27\" 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 established 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=\"58e5ae62d3ececcbcfd3acf80a82d67828\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-58e5ae62d3ececcbcfd3acf80a82d67828\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Are my assets insured when they are off-site (job site, client, 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-58e5ae62d3ececcbcfd3acf80a82d67828\" 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 assets may be covered even when they are 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\t\t\t\t<div class=\"open-collapse-wrapper\" data-collapser=\"3e0bd9d79f756690cbb0c6a5d977fb9f29\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-3e0bd9d79f756690cbb0c6a5d977fb9f29\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">What is the difference with property 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-3e0bd9d79f756690cbb0c6a5d977fb9f29\" 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>Property insurance covers external events (fire, damage), while equipment breakdown coverage covers internal failures.<\/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=\"fb015e06b7631830c22a82223416ae2130\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-fb015e06b7631830c22a82223416ae2130\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Are electrical failures 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-fb015e06b7631830c22a82223416ae2130\" 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, if they are sudden and accidental, according to the policy terms.<\/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=\"a8584cf2a8c4fad24661731c36ac8e4931\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-a8584cf2a8c4fad24661731c36ac8e4931\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Can I cover my income losses related to a 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-a8584cf2a8c4fad24661731c36ac8e4931\" 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, through a business interruption extension linked to equipment breakdown.<\/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=\"8e4494418696f9c41d341e281270c27432\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-8e4494418696f9c41d341e281270c27432\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Is my business really at risk?<\/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-8e4494418696f9c41d341e281270c27432\" 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. All businesses that use emails, computer systems or data are exposed, regardless of their size. SMEs are often targeted due to limited cybersecurity resources.<\/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=\"cfbf867dd2d71d67b6891fe6fb609a0333\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-cfbf867dd2d71d67b6891fe6fb609a0333\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Are we insured if an employee is tricked by a fraudulent email?<\/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-cfbf867dd2d71d67b6891fe6fb609a0333\" 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>Depending on the coverage purchased, cyber insurance may cover losses resulting from social engineering fraud, such as phishing or fake supplier scams. However, it is essential that this protection be specifically included in the policy.<\/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=\"e7e4d144bf7a1a8e4e878bc8e5021a2134\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-e7e4d144bf7a1a8e4e878bc8e5021a2134\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">What happens if customer or employee data is compromised?<\/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-e7e4d144bf7a1a8e4e878bc8e5021a2134\" 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>Cyber insurance can cover incident management costs, notification expenses, regulatory obligations and third-party claims, while providing specialized support to limit impacts and restore operations.<\/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=\"adc42fa89cce09fe9e02459e49f47f5335\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-adc42fa89cce09fe9e02459e49f47f5335\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Does my general insurance cover pollution?<\/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-adc42fa89cce09fe9e02459e49f47f5335\" 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>No, most policies exclude pollution. Separate environmental insurance is required.<\/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=\"8f6479e2d5f7ca64bc667fa9349f29b036\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-8f6479e2d5f7ca64bc667fa9349f29b036\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">What does decontamination coverage include?<\/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-8f6479e2d5f7ca64bc667fa9349f29b036\" 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>It covers soil and water cleanup costs and expenses imposed by authorities.<\/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=\"19936ecdf0878fc9b1129e6b432ea5cc37\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-19936ecdf0878fc9b1129e6b432ea5cc37\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Are legal fees covered in the event of an environmental lawsuit?<\/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-19936ecdf0878fc9b1129e6b432ea5cc37\" 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, if the policy includes legal defence costs, certain fees and expenses related to a covered claim may be covered.<\/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=\"1ac775e45e734250fa539f9484b3dd4938\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-1ac775e45e734250fa539f9484b3dd4938\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">What is the difference between E&#038;O and 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-1ac775e45e734250fa539f9484b3dd4938\" 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>General liability mainly covers bodily injury or property damage caused to third parties, while E&amp;O insurance covers financial losses resulting from professional errors, omissions or bad advice.<\/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=\"68fee1891e69a2bef133b8911116532b39\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-68fee1891e69a2bef133b8911116532b39\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Am I covered for past errors?<\/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-68fee1891e69a2bef133b8911116532b39\" 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, if the policy includes a retroactive date. This allows coverage for claims related to services rendered before the policy inception date, according to the retroactive date specified in the contract.<\/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=\"b519a94f3c1470fd40e2ea2be8f1b29640\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-b519a94f3c1470fd40e2ea2be8f1b29640\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Can a complaint without a judgment be compensated?<\/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-b519a94f3c1470fd40e2ea2be8f1b29640\" 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 without an official judgment, defence costs and certain settlements may be covered, according to the policy&#8217;s terms and limits.<\/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\t\t\t\t\t<\/div>\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\t\t\t\t<div class=\"drawers-category-wrapper\" id=\"farm-insurance\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"title title-4\">Farm insurance<\/h2>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"drawers\">\n\t\t\t\t\t\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=\"736090829be9d749a8616a40e662b8400\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-736090829be9d749a8616a40e662b8400\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Are income losses covered if production slows down?<\/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-736090829be9d749a8616a40e662b8400\" 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>Farm business interruption insurance can compensate for lost income when production is reduced or stopped following an insured 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=\"86ccb89edb4d14b89829be82357689b71\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-86ccb89edb4d14b89829be82357689b71\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">How should I insure my animals?<\/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-86ccb89edb4d14b89829be82357689b71\" 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>Animals can be insured globally for the value the producer would have obtained if they had been sold. In this case, it is important to follow the Proportional Rule mentioned in the contract. If the animal is of high value, it must be insured specifically.<\/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=\"d3f2df7a74b00be971de9791811ecce22\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-d3f2df7a74b00be971de9791811ecce22\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">What is the relevance of having insurance for additional expenses?<\/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-d3f2df7a74b00be971de9791811ecce22\" 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>Coverage for &#8220;Additional Expenses&#8221; can have many uses. For example, this type of coverage can be useful to cover additional costs resulting from renting machinery following a claim that damaged it.<\/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=\"78d311abe35525da0bf96e80d131cb263\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-78d311abe35525da0bf96e80d131cb263\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Am I protected if my activities cause environmental contamination?<\/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-78d311abe35525da0bf96e80d131cb263\" 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>Farm pollution coverage can cover damage caused by the sudden and accidental spill, discharge, emission, release, dispersal or escape of pollutants.<\/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=\"708043c1a0fbb98a998e5ba42a0502d64\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-708043c1a0fbb98a998e5ba42a0502d64\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Are crops in transit to a buyer insured?<\/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-708043c1a0fbb98a998e5ba42a0502d64\" 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>Coverage for goods in transit can protect harvested agricultural products during transport, according 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\t\t\t\t<div class=\"open-collapse-wrapper\" data-collapser=\"cf3ac0d10b1ccae1a912b0eb1e1f53225\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-cf3ac0d10b1ccae1a912b0eb1e1f53225\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">What happens if a third party suffers damage caused by my farming operations?<\/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-cf3ac0d10b1ccae1a912b0eb1e1f53225\" 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>Agricultural liability may cover bodily injury or property damage caused to third parties in the course of your farming activities.<\/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=\"d76c1a8fed7ea80c97793919b9e8f5ce6\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-d76c1a8fed7ea80c97793919b9e8f5ce6\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Do you insure property and activities in the same policy?<\/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-d76c1a8fed7ea80c97793919b9e8f5ce6\" 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, we offer the option to insure both property and activities, including residences, farm buildings, machinery, agritourism activities and processing.<\/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=\"b9b4933577733cdcd491dcd520e46e957\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-b9b4933577733cdcd491dcd520e46e957\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Is the insurer for your program a recognized and financially sound company?<\/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-b9b4933577733cdcd491dcd520e46e957\" 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, Intact Insurance has had expertise in farm and commercial insurance for many years, while being a financially sound partner.<\/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=\"994645cac6b2f579c5ce3762a72695468\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-994645cac6b2f579c5ce3762a72695468\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Do you conduct building evaluations?<\/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-994645cac6b2f579c5ce3762a72695468\" 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>No, the insurance broker does not have the expertise to establish a building&#8217;s reconstruction value. However, we can refer you to professional building appraisers.<\/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=\"349c2623ae21e4295f4120e0f056add49\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-349c2623ae21e4295f4120e0f056add49\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">What happens if the season is interrupted by a claim?<\/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-349c2623ae21e4295f4120e0f056add49\" 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>Business interruption coverage can help compensate for lost income if an insured claim prevents production during maple syrup season.<\/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=\"6b382460f0d498b53ff0022ad080696b10\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-6b382460f0d498b53ff0022ad080696b10\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Is expensive equipment insured at replacement cost?<\/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-6b382460f0d498b53ff0022ad080696b10\" 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, if replacement cost insurance is provided in the contract. This option allows equipment to be replaced without factoring in depreciation, subject to applicable 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\t\t\t\t<div class=\"open-collapse-wrapper\" data-collapser=\"820c6a21ea804ad5e2fbcee6f80ba37e11\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-820c6a21ea804ad5e2fbcee6f80ba37e11\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Am I covered if a visitor is injured on site?<\/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-820c6a21ea804ad5e2fbcee6f80ba37e11\" 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. Farm liability covers bodily injuries sustained by visitors on your site, provided the activity is declared and insured.<\/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=\"200f303532e38223925f607ec6b301cf12\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-200f303532e38223925f607ec6b301cf12\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Is my hobby farm considered residential or agricultural?<\/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-200f303532e38223925f607ec6b301cf12\" 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>It depends on the actual use of the property. A hobby farm is generally residential with declared agricultural use, which allows coverage to be adapted to your activities.<\/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=\"79ebf314d6077fd2876619cdf6a0721a13\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-79ebf314d6077fd2876619cdf6a0721a13\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Am I covered if I sell products on a small scale?<\/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-79ebf314d6077fd2876619cdf6a0721a13\" 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, provided farm gate sales are declared and extended liability has been added to cover risks related to this activity.<\/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=\"c82942dca995aeade4b99dfc456d257f14\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-c82942dca995aeade4b99dfc456d257f14\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Are hobby animals properly insured?<\/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-c82942dca995aeade4b99dfc456d257f14\" 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. Hobby farm animals can be insured, but they must be declared so that coverage adequately reflects their value and associated risks.<\/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\t\t\t\t\t<\/div>\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\t\t\t\t<div class=\"drawers-category-wrapper\" id=\"the-insurance-broker-profession\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"title title-4\">The insurance broker profession<\/h2>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"drawers\">\n\t\t\t\t\t\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=\"511f88c02b9da6d237f7b77b6726d6600\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-511f88c02b9da6d237f7b77b6726d6600\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">What is the ACD (Automatic Call Distributor) and what is its advantage compared to the module system?<\/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-511f88c02b9da6d237f7b77b6726d6600\" 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>The ACD is the system that automatically manages and distributes incoming calls to available brokers, based on availability or type of request. Unlike the &#8220;module&#8221; system, where clients are assigned to a specific broker, the ACD allows for faster and more equitable call distribution, which reduces wait times and improves overall efficiency.<\/p>\n<p>Its advantage is even more visible in case of absence: calls are simply redirected to other available brokers, which ensures continuity of service without accumulating pending requests, unlike the module system where a replacement must be arranged.<\/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=\"069c77eb78df21e3ff8e482cf1fc63871\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-069c77eb78df21e3ff8e482cf1fc63871\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Is the insurance broker profession well paid?<\/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-069c77eb78df21e3ff8e482cf1fc63871\" 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>The broker profession can indeed be very well paid, but it is directly linked to involvement and performance.<\/p>\n<p>At Courtika, there is a competitive base salary to which commissions and bonuses are added. The more comfortable a person is with sales and the more they develop their skills, the greater their income potential!<\/p>\n<p>What we offer above all is an environment that allows for good performance: volume through the ACD, coaching, and tools to support success.<\/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=\"2cf1abd800b3944efef51cf0e253877f2\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-2cf1abd800b3944efef51cf0e253877f2\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">What kind of support can I expect?<\/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-2cf1abd800b3944efef51cf0e253877f2\" 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>At Courtika, brokers can count on several forms of daily support. First, they are accompanied by our team of managers and directors, who act as coaches to help them develop and achieve their goals. We also have a dedicated training team that especially supports newly certified brokers in their integration and skill development.<\/p>\n<p>Finally, collaboration is one of our values. Brokers can rely on their colleagues to ask questions, validate files or share best practices.<\/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=\"c3ff3d507624b443671ed4136ec211a83\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-c3ff3d507624b443671ed4136ec211a83\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">What does it take to be a good property and casualty insurance broker?<\/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-c3ff3d507624b443671ed4136ec211a83\" 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>A good insurance broker is someone who combines an empathetic client approach, business development skills and rigour. It is also a naturally curious person who is interested in many areas and develops good general knowledge to better understand their clients&#8217; realities and advise them well.<\/p>\n<p>At Courtika, it is above all a person who demonstrates professionalism and adheres to our way of working and our values.<\/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=\"b36366f1684f93c5d402e6dd270f795c4\">\n\t\t\t<button type=\"button\" id=\"collapseTitle-b36366f1684f93c5d402e6dd270f795c4\" class=\"open-collapse-title\" data-collapser-controller>\n\t\t\t\t<div class=\"oc-title title-6\">Are you training courses paid for?<\/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-b36366f1684f93c5d402e6dd270f795c4\" 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>Broker training costs, as well as certification renewal fees, are fully covered by Courtika.<\/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\t\t\t\t\t<\/div>\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\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<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\n\n\t\t<section class=\"text-cta-b section-block with-background light-theme is-reverse\" data-scroll-section>\n\t\t\t<div class=\"container\">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t<div class=\"col-md-5 col-image\">\n\t\t\t\t\t\t<div class=\"image-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" width=\"1333\" height=\"1333\" src=\"https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/06\/S246061-1.jpg\" class=\"image\" alt=\"\" sizes=\"auto\" srcset=\"https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/06\/S246061-1.jpg 1333w, 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, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/06\/S246061-1-238x238.jpg 238w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/06\/S246061-1-275x275.jpg 275w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/06\/S246061-1-428x428.jpg 428w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/06\/S246061-1-550x550.jpg 550w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/06\/S246061-1-580x580.jpg 580w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/06\/S246061-1-780x780.jpg 780w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/06\/S246061-1-885x885.jpg 885w, https:\/\/s3.ca-central-1.amazonaws.com\/cdn.courtika.com\/wp-content\/uploads\/2026\/06\/S246061-1-900x900.jpg 900w, 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\">Let&#8217;s talk about your reality<\/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>Every situation is unique, and taking the time to talk about it makes all the difference. Whether you have a question, a specific need, or simply want trusted advice, our team is here to support you and guide you toward solutions tailored to your reality.<\/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":"","protected":false},"author":5,"featured_media":0,"parent":0,"menu_order":32,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":"","_members_access_role":[],"_members_access_error":""},"class_list":["post-974","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.courtika.com\/en\/wp-json\/wp\/v2\/pages\/974","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.courtika.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.courtika.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.courtika.com\/en\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.courtika.com\/en\/wp-json\/wp\/v2\/comments?post=974"}],"version-history":[{"count":2,"href":"https:\/\/www.courtika.com\/en\/wp-json\/wp\/v2\/pages\/974\/revisions"}],"predecessor-version":[{"id":1296,"href":"https:\/\/www.courtika.com\/en\/wp-json\/wp\/v2\/pages\/974\/revisions\/1296"}],"wp:attachment":[{"href":"https:\/\/www.courtika.com\/en\/wp-json\/wp\/v2\/media?parent=974"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}