{"id":5407,"date":"2026-07-10T12:03:25","date_gmt":"2026-07-10T16:03:25","guid":{"rendered":"https:\/\/www.assuranciagt.com\/business-insurance\/commercial-vehicles\/"},"modified":"2026-07-22T17:30:07","modified_gmt":"2026-07-22T21:30:07","slug":"commercial-vehicles","status":"publish","type":"business-insurance","link":"https:\/\/www.assuranciagt.com\/en\/business-insurance\/commercial-vehicles\/","title":{"rendered":"Commercial Vehicles"},"content":{"rendered":"\n    <section class=\"card-list-two-cols || section \">\n        \n<span class=\"absolute top-[-120px] left-0\" ><\/span>\n        <div class=\"wrapper\">\n            \n\n<div class=\"introduction || flex flex-col gap-4 mb-16 || lg:grid-col \">\n            <h2 class=\"text-h2 || text-heading col-span-6\">Your peace of mind, our coverage<\/h2>\n        <div class=\"wysiwyg-container || text-heading [&amp;_p]:text-heading || lg:[.preview-news_&amp;_p:has(.btn-primary.arrow)]:justify-self-end lg:[.preview-news_&amp;_p:has(.btn-primary.arrow)]:text-end col-span-6\">\n    <p>Your commercial vehicles are essential to the smooth operation of your business. We support you with insurance solutions tailored to your needs to protect your travel, your operations, and the continuity of your business. <\/p>\n<\/div><\/div>\n\n            <div class=\"flex flex-col gap-16\">\n                                    <div class=\"card-row\">\n                        \n                        <div class=\"flex flex-col !gap-16 || lg:grid-col lg:items-stretch\">\n\n                                                            <div class=\"ctc-card bg-module flex flex-col gap-6 p-5 py-6 || lg:p-8 lg:py-7 lg:col-span-6\">\n                                                                            <h4 class=\"text-h4 text-accent\">Liability Coverage<\/h4>\n                                                                        <div class=\"wysiwyg-container || text-accent [&amp;_*]:text-accent\">\n    <p>Liability insurance can protect your business in the event of a claim arising from a covered event and help cover the resulting costs, limiting the financial impact on your operations.<\/p>\n<\/div>\n                                <\/div>\n                            \n                            \n                                                            <div class=\"ctc-card bg-module flex flex-col gap-6 p-5 py-6 || lg:p-8 lg:py-7 lg:col-span-6\">\n                                                                            <h4 class=\"text-h4 text-accent\">Damage Protection <\/h4>\n                                                                        <div class=\"wysiwyg-container || text-accent [&amp;_*]:text-accent\">\n    <p>Damage protection covers your vehicle in the event of an accident, theft, vandalism, fire, or certain other events covered by your policy. It helps you repair or replace your vehicle following a loss. <\/p>\n<\/div>                                <\/div>\n                            \n                        <\/div>\n                    <\/div>\n                                    <div class=\"card-row\">\n                        \n                        <div class=\"flex flex-col !gap-16 || lg:grid-col lg:items-stretch\">\n\n                                                            <div class=\"ctc-card bg-module flex flex-col gap-6 p-5 py-6 || lg:p-8 lg:py-7 lg:col-span-6\">\n                                                                            <h4 class=\"text-h4 text-accent\">Protection for Insured Vehicles<\/h4>\n                                                                        <div class=\"wysiwyg-container || text-accent [&amp;_*]:text-accent\">\n    <p>Protects vehicles owned by your business according to the coverage selected in your policy.<\/p>\n<\/div>\n                                <\/div>\n                            \n                            \n                                                            <div class=\"ctc-card bg-module flex flex-col gap-6 p-5 py-6 || lg:p-8 lg:py-7 lg:col-span-6\">\n                                                                            <h4 class=\"text-h4 text-accent\">Protection Against Collisions, Rollovers, and Certain Other Covered Risks<\/h4>\n                                                                        <div class=\"wysiwyg-container || text-accent [&amp;_*]:text-accent\">\n    <p>Whether during travel or at destination, damage can unfortunately occur. This coverage protects your vehicles against damage resulting from a collision, rollover, or certain other covered risks, such as hail or falling objects. You benefit from coverage tailored to the unexpected events that may occur during your travel or transport.  <\/p>\n<\/div>                                <\/div>\n                            \n                        <\/div>\n                    <\/div>\n                                    <div class=\"card-row\">\n                        \n                        <div class=\"flex flex-col !gap-16 || lg:grid-col lg:items-stretch\">\n\n                                                            <div class=\"ctc-card bg-module flex flex-col gap-6 p-5 py-6 || lg:p-8 lg:py-7 lg:col-span-6\">\n                                                                            <h4 class=\"text-h4 text-accent\">Cargo Insurance<\/h4>\n                                                                        <div class=\"wysiwyg-container || text-accent [&amp;_*]:text-accent\">\n    <p>Whether for supply, delivery, or moving products between different sites, transported goods can be exposed to several risks. Cargo insurance can cover losses, theft, or damage sustained during transport, protecting the value of your goods until they reach their destination. <\/p>\n<\/div>\n                                <\/div>\n                            \n                            \n                                                            <div class=\"ctc-card bg-module flex flex-col gap-6 p-5 py-6 || lg:p-8 lg:py-7 lg:col-span-6\">\n                                                                            <h4 class=\"text-h4 text-accent\">Optional Coverage<\/h4>\n                                                                        <div class=\"wysiwyg-container || text-accent [&amp;_*]:text-accent\">\n    <p>Depending on your needs, several endorsements can be added to your policy, such as replacement cost coverage, replacement vehicle, glass breakage, roadside assistance, or protection for tools, equipment, transported goods, and accessories. It is also possible to increase your liability coverage, cover certain trailers, rented or borrowed vehicles, as well as travel outside Quebec or Canada to adapt your coverage to your business reality. <\/p>\n<\/div>                                <\/div>\n                            \n                        <\/div>\n                    <\/div>\n                                    <div class=\"card-row\">\n                        \n                        <div class=\"flex flex-col !gap-16 || lg:grid-col lg:items-stretch\">\n\n                                                            <div class=\"ctc-card bg-module flex flex-col gap-6 p-5 py-6 || lg:p-8 lg:py-7 lg:col-span-6\">\n                                                                            <h4 class=\"text-h4 text-accent\">Specific Coverage<\/h4>\n                                                                        <div class=\"wysiwyg-container || text-accent [&amp;_*]:text-accent\">\n    <p>Accessories and equipment added to your vehicle can also be protected. This coverage can include items such as a utility box or chest, a ladder and its supports, a winch, a lift, a beacon, or other specialized equipment used in your operations. <\/p>\n<\/div>\n                                <\/div>\n                            \n                            \n                            \n                        <\/div>\n                    <\/div>\n                            <\/div>\n\n        <\/div>\n    <\/section>\n\n\n\n\n    <section class=\"text-and-image-accordion || section different-background module--alternate\">\n        \n<span class=\"absolute top-[-120px] left-0\" ><\/span>\n        <div class=\"wrapper || flex flex-col gap-10 || lg:grid-col lg:items-start\">\n\n            <div class=\"lg:col-span-5\">\n                                    <h2 class=\"text-h2 text-titles\">Your Commercial Vehicle Insurance Questions<\/h2>\n                \n                                    <div class=\"wysiwyg-container || mt-6 || lg:mt-8\">\n    <p><span>Our teams answer your most frequently asked questions to help you better understand the available coverage and choose solutions tailored to your needs.<\/span><\/p>\n<\/div>                \n                                    <span class=\"relative mt-8 block overflow-hidden aspect-[535\/312] rounded-image || lg:mt-12\">\n                        <img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/photo-commerciale-1-1024x682.jpg\" class=\"size-full object-cover\" alt=\"Your Commercial Vehicle Insurance Questions\" srcset=\"https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/photo-commerciale-1-1024x682.jpg 1024w, https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/photo-commerciale-1-1536x1024.jpg 1536w, https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/photo-commerciale-1-1920x1280.jpg 1920w, https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/photo-commerciale-1-1400x933.jpg 1400w, https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/photo-commerciale-1-640x427.jpg 640w, https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/photo-commerciale-1-480x320.jpg 480w, https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/photo-commerciale-1-350x233.jpg 350w, https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/photo-commerciale-1-150x100.jpg 150w, https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/photo-commerciale-1.jpg 2000w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>                        <span class=\"faq-shape pointer-events-none absolute left-0 top-0 z-10 w-[65%] [&#038;_svg]:block [&#038;_svg]:w-full [&#038;_svg]:h-auto\" aria-hidden=\"true\">\n                            <svg width=\"340\" height=\"313\" viewBox=\"0 0 340 313\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M-34.6837 207.986L-71.3885 95.302L-108.093 -17.3823L-394.923 187.821L-467.225 136.416L-358.667 -203.413L-286.524 -151.485L-351.754 53.3523L-153.321 -88.4303L-427.749 -286.581L-400.676 -369.906C-390.385 -370.951 -381.044 -368.652 -370.911 -371.055L-216.651 -371.943L-62.4432 -372.727L-80.4393 -318.762L-90.4138 -288.88L-200.132 -288.044L-284.888 -287.208L-105.454 -157.65L-85.5057 -217.362L-61.4405 -289.977L-37.3753 -362.592L-14.5766 -431.394L-2.91339 -466.5L86.1174 -466.604L166.071 -229.586L190.928 -157.232L101.369 -157.128L42.1034 -332.815L31.0734 -299.955L8.27478 -231.101L-15.421 -159.531L-24.8149 -130.955H294.155C300.541 -128.865 305.713 -130.067 311.782 -129.649L339.224 -46.7941L65.1658 153.499L37.6703 69.4949L196.522 -46.8463L-28.5619 -47.0553L81.3677 290.266L9.75247 342.455L-279.294 138.192L-206.993 86.5255L-34.5782 207.934L-34.6837 207.986Z\" fill=\"#E65300\"\/>\n<\/svg>\n                        <\/span>\n                    <\/span>\n                            <\/div>\n\n            <div class=\"flex flex-col gap-3 || lg:col-span-6 lg:col-start-7\" itemscope itemtype=\"https:\/\/schema.org\/FAQPage\">\n                                    <div class=\"js-faq-item faq-item overflow-hidden transition-colors duration-300\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\n                        <button type=\"button\" class=\"js-faq-trigger flex w-full items-center justify-between gap-6 text-left p-6 || lg:px-8 lg:py-7\" aria-expanded=\"false\">\n                            <span class=\"faq-question text-h4 text-titles transition-colors duration-300\" itemprop=\"name\">What is commercial vehicle insurance?<\/span>\n                            <span class=\"faq-icon relative size-4 shrink-0 text-titles transition-colors duration-300\" aria-hidden=\"true\">\n                                <span class=\"absolute left-0 top-1\/2 h-0.5 w-full -translate-y-1\/2 bg-current\"><\/span>\n                                <span class=\"faq-icon-v absolute left-1\/2 top-0 h-full w-0.5 -translate-x-1\/2 bg-current transition-opacity duration-300\"><\/span>\n                            <\/span>\n                        <\/button>\n\n                                                    <div class=\"js-faq-answer h-0 overflow-hidden opacity-0\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\">\n                                <div class=\"px-6 pb-6 || lg:px-8 lg:pb-8\" itemprop=\"text\">\n                                    <div class=\"wysiwyg-container || faq-answer-text body-text\">\n    <p>Commercial vehicle insurance is specialized coverage for vehicles used for professional purposes. Unlike standard auto insurance, it includes coverage specific to business needs, such as commercial liability and protection for transported goods. Since professional risks differ from personal risks, standard insurance does not cover damages or liabilities specific to commercial use, which can result in high costs in the event of a loss.  <\/p>\n<\/div>                                <\/div>\n                            <\/div>\n                                            <\/div>\n                                    <div class=\"js-faq-item faq-item overflow-hidden transition-colors duration-300\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\n                        <button type=\"button\" class=\"js-faq-trigger flex w-full items-center justify-between gap-6 text-left p-6 || lg:px-8 lg:py-7\" aria-expanded=\"false\">\n                            <span class=\"faq-question text-h4 text-titles transition-colors duration-300\" itemprop=\"name\">Why does a business need commercial vehicle insurance?<\/span>\n                            <span class=\"faq-icon relative size-4 shrink-0 text-titles transition-colors duration-300\" aria-hidden=\"true\">\n                                <span class=\"absolute left-0 top-1\/2 h-0.5 w-full -translate-y-1\/2 bg-current\"><\/span>\n                                <span class=\"faq-icon-v absolute left-1\/2 top-0 h-full w-0.5 -translate-x-1\/2 bg-current transition-opacity duration-300\"><\/span>\n                            <\/span>\n                        <\/button>\n\n                                                    <div class=\"js-faq-answer h-0 overflow-hidden opacity-0\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\">\n                                <div class=\"px-6 pb-6 || lg:px-8 lg:pb-8\" itemprop=\"text\">\n                                    <div class=\"wysiwyg-container || faq-answer-text body-text\">\n    <p>Tailored coverage: it offers coverage adapted to professional needs, such as protection for transported goods and commercial liability. Financial protection: in the event of an accident, repair costs and liabilities can quickly add up. Without appropriate coverage, your business&#8217;s financial stability may be at risk. Security and peace of mind: with this insurance, you can focus on your business knowing that your vehicles, drivers, and transported goods are protected in case of the unexpected.   <\/p>\n<\/div>                                <\/div>\n                            <\/div>\n                                            <\/div>\n                                    <div class=\"js-faq-item faq-item overflow-hidden transition-colors duration-300\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\n                        <button type=\"button\" class=\"js-faq-trigger flex w-full items-center justify-between gap-6 text-left p-6 || lg:px-8 lg:py-7\" aria-expanded=\"false\">\n                            <span class=\"faq-question text-h4 text-titles transition-colors duration-300\" itemprop=\"name\">What types of commercial vehicles are covered?<\/span>\n                            <span class=\"faq-icon relative size-4 shrink-0 text-titles transition-colors duration-300\" aria-hidden=\"true\">\n                                <span class=\"absolute left-0 top-1\/2 h-0.5 w-full -translate-y-1\/2 bg-current\"><\/span>\n                                <span class=\"faq-icon-v absolute left-1\/2 top-0 h-full w-0.5 -translate-x-1\/2 bg-current transition-opacity duration-300\"><\/span>\n                            <\/span>\n                        <\/button>\n\n                                                    <div class=\"js-faq-answer h-0 overflow-hidden opacity-0\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\">\n                                <div class=\"px-6 pb-6 || lg:px-8 lg:pb-8\" itemprop=\"text\">\n                                    <div class=\"wysiwyg-container || faq-answer-text body-text\">\n    <p>Commercial vehicle insurance covers: Trucks: for transporting goods, Vans: used by tradespeople and service businesses, Company cars: for sales representatives or executives, Utility vehicles: for construction and maintenance businesses, Coaches and buses: for transporting people, Specialized vehicles: such as ambulances and delivery vehicles.<\/p>\n<\/div>                                <\/div>\n                            <\/div>\n                                            <\/div>\n                                    <div class=\"js-faq-item faq-item overflow-hidden transition-colors duration-300\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\n                        <button type=\"button\" class=\"js-faq-trigger flex w-full items-center justify-between gap-6 text-left p-6 || lg:px-8 lg:py-7\" aria-expanded=\"false\">\n                            <span class=\"faq-question text-h4 text-titles transition-colors duration-300\" itemprop=\"name\">Are the materials and tools transported in my vehicles covered?<\/span>\n                            <span class=\"faq-icon relative size-4 shrink-0 text-titles transition-colors duration-300\" aria-hidden=\"true\">\n                                <span class=\"absolute left-0 top-1\/2 h-0.5 w-full -translate-y-1\/2 bg-current\"><\/span>\n                                <span class=\"faq-icon-v absolute left-1\/2 top-0 h-full w-0.5 -translate-x-1\/2 bg-current transition-opacity duration-300\"><\/span>\n                            <\/span>\n                        <\/button>\n\n                                                    <div class=\"js-faq-answer h-0 overflow-hidden opacity-0\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\">\n                                <div class=\"px-6 pb-6 || lg:px-8 lg:pb-8\" itemprop=\"text\">\n                                    <div class=\"wysiwyg-container || faq-answer-text body-text\">\n    <p>If your vehicles are used to transport tools, equipment, or goods, it is important to verify whether they are protected in the event of theft, accident, or damage.<\/p>\n<\/div>                                <\/div>\n                            <\/div>\n                                            <\/div>\n                                    <div class=\"js-faq-item faq-item overflow-hidden transition-colors duration-300\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\n                        <button type=\"button\" class=\"js-faq-trigger flex w-full items-center justify-between gap-6 text-left p-6 || lg:px-8 lg:py-7\" aria-expanded=\"false\">\n                            <span class=\"faq-question text-h4 text-titles transition-colors duration-300\" itemprop=\"name\">How does coverage work in the event of an accident involving an employee?<\/span>\n                            <span class=\"faq-icon relative size-4 shrink-0 text-titles transition-colors duration-300\" aria-hidden=\"true\">\n                                <span class=\"absolute left-0 top-1\/2 h-0.5 w-full -translate-y-1\/2 bg-current\"><\/span>\n                                <span class=\"faq-icon-v absolute left-1\/2 top-0 h-full w-0.5 -translate-x-1\/2 bg-current transition-opacity duration-300\"><\/span>\n                            <\/span>\n                        <\/button>\n\n                                                    <div class=\"js-faq-answer h-0 overflow-hidden opacity-0\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\">\n                                <div class=\"px-6 pb-6 || lg:px-8 lg:pb-8\" itemprop=\"text\">\n                                    <div class=\"wysiwyg-container || faq-answer-text body-text\">\n    <p>Coverage is associated with the vehicles and not with an individual. If an employee has an accident with the company vehicle while performing work duties, they are covered. <\/p>\n<\/div>                                <\/div>\n                            <\/div>\n                                            <\/div>\n                                    <div class=\"js-faq-item faq-item overflow-hidden transition-colors duration-300\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\n                        <button type=\"button\" class=\"js-faq-trigger flex w-full items-center justify-between gap-6 text-left p-6 || lg:px-8 lg:py-7\" aria-expanded=\"false\">\n                            <span class=\"faq-question text-h4 text-titles transition-colors duration-300\" itemprop=\"name\">What are common exclusions in a commercial vehicle insurance policy?<\/span>\n                            <span class=\"faq-icon relative size-4 shrink-0 text-titles transition-colors duration-300\" aria-hidden=\"true\">\n                                <span class=\"absolute left-0 top-1\/2 h-0.5 w-full -translate-y-1\/2 bg-current\"><\/span>\n                                <span class=\"faq-icon-v absolute left-1\/2 top-0 h-full w-0.5 -translate-x-1\/2 bg-current transition-opacity duration-300\"><\/span>\n                            <\/span>\n                        <\/button>\n\n                                                    <div class=\"js-faq-answer h-0 overflow-hidden opacity-0\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\">\n                                <div class=\"px-6 pb-6 || lg:px-8 lg:pb-8\" itemprop=\"text\">\n                                    <div class=\"wysiwyg-container || faq-answer-text body-text\">\n    <p>They generally exclude intentional acts, damage caused by unauthorized use, normal wear and tear, and mechanical breakdowns.<\/p>\n<\/div>                                <\/div>\n                            <\/div>\n                                            <\/div>\n                                    <div class=\"js-faq-item faq-item overflow-hidden transition-colors duration-300\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\n                        <button type=\"button\" class=\"js-faq-trigger flex w-full items-center justify-between gap-6 text-left p-6 || lg:px-8 lg:py-7\" aria-expanded=\"false\">\n                            <span class=\"faq-question text-h4 text-titles transition-colors duration-300\" itemprop=\"name\">Can I add or remove vehicles from my fleet policy at any time?<\/span>\n                            <span class=\"faq-icon relative size-4 shrink-0 text-titles transition-colors duration-300\" aria-hidden=\"true\">\n                                <span class=\"absolute left-0 top-1\/2 h-0.5 w-full -translate-y-1\/2 bg-current\"><\/span>\n                                <span class=\"faq-icon-v absolute left-1\/2 top-0 h-full w-0.5 -translate-x-1\/2 bg-current transition-opacity duration-300\"><\/span>\n                            <\/span>\n                        <\/button>\n\n                                                    <div class=\"js-faq-answer h-0 overflow-hidden opacity-0\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\">\n                                <div class=\"px-6 pb-6 || lg:px-8 lg:pb-8\" itemprop=\"text\">\n                                    <div class=\"wysiwyg-container || faq-answer-text body-text\">\n    <p>Yes, most insurers allow these adjustments with a premium adjustment.<\/p>\n<\/div>                                <\/div>\n                            <\/div>\n                                            <\/div>\n                                    <div class=\"js-faq-item faq-item overflow-hidden transition-colors duration-300\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\n                        <button type=\"button\" class=\"js-faq-trigger flex w-full items-center justify-between gap-6 text-left p-6 || lg:px-8 lg:py-7\" aria-expanded=\"false\">\n                            <span class=\"faq-question text-h4 text-titles transition-colors duration-300\" itemprop=\"name\">Can I insure multiple vehicles under one policy?<\/span>\n                            <span class=\"faq-icon relative size-4 shrink-0 text-titles transition-colors duration-300\" aria-hidden=\"true\">\n                                <span class=\"absolute left-0 top-1\/2 h-0.5 w-full -translate-y-1\/2 bg-current\"><\/span>\n                                <span class=\"faq-icon-v absolute left-1\/2 top-0 h-full w-0.5 -translate-x-1\/2 bg-current transition-opacity duration-300\"><\/span>\n                            <\/span>\n                        <\/button>\n\n                                                    <div class=\"js-faq-answer h-0 overflow-hidden opacity-0\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\">\n                                <div class=\"px-6 pb-6 || lg:px-8 lg:pb-8\" itemprop=\"text\">\n                                    <div class=\"wysiwyg-container || faq-answer-text body-text\">\n    <p>Yes, many insurers offer fleet insurance policies, often with premium discounts.<\/p>\n<\/div>                                <\/div>\n                            <\/div>\n                                            <\/div>\n                                    <div class=\"js-faq-item faq-item overflow-hidden transition-colors duration-300\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\n                        <button type=\"button\" class=\"js-faq-trigger flex w-full items-center justify-between gap-6 text-left p-6 || lg:px-8 lg:py-7\" aria-expanded=\"false\">\n                            <span class=\"faq-question text-h4 text-titles transition-colors duration-300\" itemprop=\"name\">How long does it take to process a claim?<\/span>\n                            <span class=\"faq-icon relative size-4 shrink-0 text-titles transition-colors duration-300\" aria-hidden=\"true\">\n                                <span class=\"absolute left-0 top-1\/2 h-0.5 w-full -translate-y-1\/2 bg-current\"><\/span>\n                                <span class=\"faq-icon-v absolute left-1\/2 top-0 h-full w-0.5 -translate-x-1\/2 bg-current transition-opacity duration-300\"><\/span>\n                            <\/span>\n                        <\/button>\n\n                                                    <div class=\"js-faq-answer h-0 overflow-hidden opacity-0\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\">\n                                <div class=\"px-6 pb-6 || lg:px-8 lg:pb-8\" itemprop=\"text\">\n                                    <div class=\"wysiwyg-container || faq-answer-text body-text\">\n    <p>It can take anywhere from a few days to a few weeks, depending on the complexity of the loss.<\/p>\n<\/div>                                <\/div>\n                            <\/div>\n                                            <\/div>\n                            <\/div>\n\n        <\/div>\n    <\/section>\n\n\n\n\n    <section class=\"advantages || section || overflow-x-clip different-background bg-module\">\n        \n<span class=\"absolute top-[-120px] left-0\" ><\/span>\n        <div class=\"wrapper || relative z-10 || lg:grid-col\">\n\n                            <div class=\"lg:col-span-5\">\n                    <div class=\"lg:sticky lg:top-[calc(var(--header-h,7rem)+theme(spacing.8))]\">\n                        <div class=\"relative overflow-hidden aspect-video || lg:aspect-[535\/660]\">\n                            <img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"855\" src=\"https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/avantage-courtier-scaled-e1783025942847-1024x855.jpg\" class=\"absolute inset-0 w-full h-full object-cover\" alt=\"Commercial Vehicles\" srcset=\"https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/avantage-courtier-scaled-e1783025942847-1024x855.jpg 1024w, https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/avantage-courtier-scaled-e1783025942847-1400x1169.jpg 1400w, https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/avantage-courtier-scaled-e1783025942847-640x535.jpg 640w, https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/avantage-courtier-scaled-e1783025942847-480x401.jpg 480w, https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/avantage-courtier-scaled-e1783025942847-350x292.jpg 350w, https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/avantage-courtier-scaled-e1783025942847-150x125.jpg 150w, https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/avantage-courtier-scaled-e1783025942847.jpg 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\n                                                            <span class=\"pointer-events-none absolute bottom-0 right-0 rotate-180 z-10 w-full text-shape [&#038;_svg]:w-1\/2 [&#038;_svg]:h-auto || lg:[&#038;_svg]:w-full\" aria-hidden=\"true\">\n                                    <svg width=\"535\" height=\"190\" viewBox=\"0 0 535 190\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M312.47 55.0984L275.765 -57.5859L239.06 -170.27L-47.7701 34.9333L-120.071 -16.4721L-11.5139 -356.301L60.6291 -304.373L-4.6004 -99.5356L193.832 -241.318L-80.5959 -439.469L-53.5225 -522.794C-43.2314 -523.839 -33.8903 -521.54 -23.7576 -523.943L130.503 -524.831L284.71 -525.615L266.714 -471.65L256.74 -441.768L147.021 -440.932L62.265 -440.096L241.699 -310.538L261.648 -370.25L285.713 -442.865L309.778 -515.48L332.577 -584.282L344.24 -619.388L433.271 -619.492L513.224 -382.474L538.081 -310.12L448.523 -310.015L389.257 -485.703L378.227 -452.843L355.428 -383.989L331.732 -312.419L322.338 -283.843H641.308C647.694 -281.753 652.866 -282.955 658.935 -282.537L686.378 -199.682L412.319 0.610779L384.824 -83.3931L543.675 -199.734L318.591 -199.943L428.521 137.378L356.906 189.567L67.8592 -14.6959L140.16 -66.3624L312.575 55.0461L312.47 55.0984Z\" fill=\"currentColor\"\/>\n<\/svg>\n                                <\/span>\n                                                    <\/div>\n                    <\/div>\n                <\/div>\n            \n            <div class=\"my-10 || lg:my-0 lg:col-span-6 lg:col-start-7\">\n                                    <h2 class=\"text-h2 text-heading\">The Advantage of Our Business Brokers at Assurancia Groupe Tardif<\/h2>\n                \n                <div class=\"wysiwyg-container || text-heading [&amp;_p]:text-heading mt-6\">\n    <p>As one of the largest brokerage firms in Quebec with a team of over 120 brokers across 9 branches, our firm is dedicated to property and casualty insurance. We offer a simple, efficient, and transparent approach to our insurance services. <\/p>\n<\/div>\n                <div class=\"grid grid-cols-1 gap-5 mt-10 || sm:grid-cols-2 || lg:grid-cols-1 lg:mt-14 lg:mb-10 xxl:grid-cols-2\">\n                                            <div class=\"flex flex-col border border-heading p-6 || lg:p-8\">\n                                                            <h3 class=\"text-h4 text-heading\">Count on Our Experts<\/h3>\n                            \n                            <div class=\"wysiwyg-container || text-heading [&amp;_p]:text-heading mt-6 [&amp;_a]:!bg-[length:100%_1px] [&amp;_a:hover]:!opacity-80\">\n    <p><span>On the phone, reach our specialists who support you by adapting to your needs <\/span><span>to offer you the best coverage suited to your business.<\/span><\/p>\n<\/div>                        <\/div>\n                                            <div class=\"flex flex-col border border-heading p-6 || lg:p-8\">\n                                                            <h3 class=\"text-h4 text-heading\">Access Multiple Insurers<\/h3>\n                            \n                            <div class=\"wysiwyg-container || text-heading [&amp;_p]:text-heading mt-6 [&amp;_a]:!bg-[length:100%_1px] [&amp;_a:hover]:!opacity-80\">\n    <p><span>Our experts have access to a vast network of insurers to obtain the insurance products that best meet your needs.<\/span><\/p>\n<\/div>                        <\/div>\n                                            <div class=\"flex flex-col border border-heading p-6 || lg:p-8\">\n                                                            <h3 class=\"text-h4 text-heading\">Save Time<\/h3>\n                            \n                            <div class=\"wysiwyg-container || text-heading [&amp;_p]:text-heading mt-6 [&amp;_a]:!bg-[length:100%_1px] [&amp;_a:hover]:!opacity-80\">\n    <p><span>Our professionals shop and compare multiple <\/span><a href=\"https:\/\/www.assuranciagt.com\/soumission\/\">quotes<\/a><span> for you to save you time and find the most suitable insurance solutions.<\/span><\/p>\n<\/div>                        <\/div>\n                                            <div class=\"flex flex-col border border-heading p-6 || lg:p-8\">\n                                                            <h3 class=\"text-h4 text-heading\">Get the Best Value<\/h3>\n                            \n                            <div class=\"wysiwyg-container || text-heading [&amp;_p]:text-heading mt-6 [&amp;_a]:!bg-[length:100%_1px] [&amp;_a:hover]:!opacity-80\">\n    <p><span>Our brokers search for and negotiate the insurance products best suited to your needs, while ensuring excellent value.<\/span><\/p>\n<\/div>                        <\/div>\n                                            <div class=\"flex flex-col border border-heading p-6 || lg:p-8\">\n                                                            <h3 class=\"text-h4 text-heading\">Have Confidence<\/h3>\n                            \n                            <div class=\"wysiwyg-container || text-heading [&amp;_p]:text-heading mt-6 [&amp;_a]:!bg-[length:100%_1px] [&amp;_a:hover]:!opacity-80\">\n    <p>Our team holds several certifications and strictly adheres to industry guidelines, such as the Autorit\u00e9 des march\u00e9s financiers (AMF), the Autorit\u00e9 des march\u00e9s publics (AMP), and the Registered Insurance Brokers of Ontario (RIBO), ensuring your interests are protected.<\/p>\n<\/div>                        <\/div>\n                                            <div class=\"flex flex-col border border-heading p-6 || lg:p-8\">\n                                                            <h3 class=\"text-h4 text-heading\">Benefit from Proximity<\/h3>\n                            \n                            <div class=\"wysiwyg-container || text-heading [&amp;_p]:text-heading mt-6 [&amp;_a]:!bg-[length:100%_1px] [&amp;_a:hover]:!opacity-80\">\n    <p><span>Thanks to our presence in communities and the <\/span><a href=\"https:\/\/www.assuranciagt.com\/en\/about\/\">values<\/a><span> that unite us, we understand your reality and remain accessible when you need us.<\/span><\/p>\n<\/div>                        <\/div>\n                                            <div class=\"flex flex-col border border-heading p-6 || lg:p-8\">\n                                                            <h3 class=\"text-h4 text-heading\">Rely on Industry Expertise<\/h3>\n                            \n                            <div class=\"wysiwyg-container || text-heading [&amp;_p]:text-heading mt-6 [&amp;_a]:!bg-[length:100%_1px] [&amp;_a:hover]:!opacity-80\">\n    <p><span>Our team of brokers has in-depth knowledge of the different industries we serve to ensure you get the best coverage options to optimally protect your business.<\/span><\/p>\n<\/div>                        <\/div>\n                                            <div class=\"flex flex-col border border-heading p-6 || lg:p-8\">\n                                                            <h3 class=\"text-h4 text-heading\">Guidance when you need it most<\/h3>\n                            \n                            <div class=\"wysiwyg-container || text-heading [&amp;_p]:text-heading mt-6 [&amp;_a]:!bg-[length:100%_1px] [&amp;_a:hover]:!opacity-80\">\n    <p><span>When the unexpected happens, your broker is by your side. They guide you through every step of the\u00a0<\/span><a href=\"https:\/\/www.assuranciagt.com\/en\/claims\/\">claims<\/a><span>\u00a0process, answer your questions, help you navigate each stage, and ensure your case is handled with the care and attention it deserves.<\/span><\/p>\n<\/div>                        <\/div>\n                                    <\/div>\n            <\/div>\n        <\/div>\n\n                    <span class=\"pointer-events-none absolute bottom-0 right-0 z-0 w-[16rem] translate-x-[20%] text-shape [&#038;_svg]:w-full [&#038;_svg]:h-auto || lg:w-[22rem]\" aria-hidden=\"true\">\n                <svg width=\"365\" height=\"239\" viewBox=\"0 0 365 239\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M432.541 674.591L359.131 449.222L72.3012 654.426L0 603.02L108.557 263.191L180.7 315.119L115.471 519.957L313.904 378.174L39.4754 180.023L66.5488 96.6985C76.8399 95.6537 86.181 97.9523 96.3137 95.5492L250.574 94.6611L404.781 93.8775L386.785 147.843L376.811 177.725L267.092 178.56L182.336 179.396L361.77 308.955L381.719 249.243L405.784 176.628L429.849 104.012L452.648 35.2106L464.311 0.104482L553.342 0L633.296 237.018L658.152 309.372L568.594 309.477L509.328 133.79L498.298 166.649L475.499 235.503L451.804 307.074L442.41 335.65H761.38C767.765 337.739 772.937 336.538 779.006 336.956L806.449 419.81L532.39 620.103L504.895 536.099L663.747 419.758L438.663 419.549L548.592 756.871L476.977 809.06L187.93 604.797L260.232 553.13L432.646 674.539L432.541 674.591Z\" fill=\"currentColor\"\/>\n<\/svg>\n            <\/span>\n            <\/section>\n\n\n\n\n    <section class=\"preview-news || section || overflow-hidden different-background bg-module module--alternate\">\n        \n<span class=\"absolute top-[-120px] left-0\" ><\/span>        <div class=\"wrapper\">\n            \n\n<div class=\"introduction || flex flex-col gap-4 mb-16 || lg:grid-col \">\n            <h2 class=\"text-h2 || text-heading col-span-6\">The AGT Blog <\/h2>\n        <div class=\"wysiwyg-container || text-heading [&amp;_p]:text-heading || lg:[.preview-news_&amp;_p:has(.btn-primary.arrow)]:justify-self-end lg:[.preview-news_&amp;_p:has(.btn-primary.arrow)]:text-end col-span-6\">\n    <p>Here are practical tips, useful tools, and clear explanations to answer your everyday questions.<\/p>\n<\/div><\/div>\n\n            <div class=\"preview-news-slider swiper-container\" data-count=\"3\">\n                <div class=\"swiper-wrapper\">\n                                            <div class=\"swiper-slide || h-auto\">\n                            \n<a href=\"https:\/\/www.assuranciagt.com\/en\/tips-and-tricks\/how-to-access-the-agt-client-area\/\" class=\"card-news group || flex h-full flex-col text-titles [.module--alternate_&#038;]:text-accent col-span-6 || lg:col-span-4\">\n            <div class=\"overflow-hidden\">\n            <img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"427\" src=\"https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/services-professionels-640x427.jpg\" class=\"w-full h-auto object-cover aspect-[424\/320] transition-transform duration-500 group-hover:scale-105\" alt=\"How to access the AGT Client Area\" srcset=\"https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/services-professionels-640x427.jpg 640w, https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/services-professionels-1536x1024.jpg 1536w, https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/services-professionels-2048x1365.jpg 2048w, https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/services-professionels-1920x1280.jpg 1920w, https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/services-professionels-1400x933.jpg 1400w, https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/services-professionels-1024x683.jpg 1024w, https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/services-professionels-480x320.jpg 480w, https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/services-professionels-350x233.jpg 350w, https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/services-professionels-150x100.jpg 150w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/>        <\/div>\n    \n    <h3 class=\"text-h4 text-titles [.module--alternate_&#038;]:text-accent mt-6\">How to access the AGT Client Area<\/h3>\n\n    \n    <span class=\"inline-flex items-center gap-x-3 font-bold mt-6 || lg:mt-auto lg:pt-6\" >\n    Read the article    <span class=\"block w-6 transition-transform duration-300 group-hover:translate-x-2 [&#038;_svg]:w-full [&#038;_svg]:h-auto [&#038;_svg_path]:fill-current\" aria-hidden=\"true\">\n        <svg viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n    <g id=\"SVGRepo_iconCarrier\"> \n        <path d=\"M4 12H20M20 12L16 8M20 12L16 16\" stroke=\"#000000\" stroke-width=\"1\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path> \n    <\/g>\n<\/svg>    <\/span>\n<\/span><\/a>\n                        <\/div>\n                                            <div class=\"swiper-slide || h-auto\">\n                            \n<a href=\"https:\/\/www.assuranciagt.com\/en\/useful-tools\/how-to-prepare-your-home-in-the-event-of-a-power-outage\/\" class=\"card-news group || flex h-full flex-col text-titles [.module--alternate_&#038;]:text-accent col-span-6 || lg:col-span-4\">\n            <div class=\"overflow-hidden\">\n            <img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"229\" src=\"https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/panne-de-courant-640x229.jpg\" class=\"w-full h-auto object-cover aspect-[424\/320] transition-transform duration-500 group-hover:scale-105\" alt=\"How to prepare your home in the event of a power outage\" srcset=\"https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/panne-de-courant-640x229.jpg 640w, https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/panne-de-courant-1024x366.jpg 1024w, https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/panne-de-courant-480x171.jpg 480w, https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/panne-de-courant-350x125.jpg 350w, https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/panne-de-courant-150x54.jpg 150w, https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/panne-de-courant.jpg 1400w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/>        <\/div>\n    \n    <h3 class=\"text-h4 text-titles [.module--alternate_&#038;]:text-accent mt-6\">How to prepare your home in the event of a power outage<\/h3>\n\n    \n    <span class=\"inline-flex items-center gap-x-3 font-bold mt-6 || lg:mt-auto lg:pt-6\" >\n    Read the article    <span class=\"block w-6 transition-transform duration-300 group-hover:translate-x-2 [&#038;_svg]:w-full [&#038;_svg]:h-auto [&#038;_svg_path]:fill-current\" aria-hidden=\"true\">\n        <svg viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n    <g id=\"SVGRepo_iconCarrier\"> \n        <path d=\"M4 12H20M20 12L16 8M20 12L16 16\" stroke=\"#000000\" stroke-width=\"1\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path> \n    <\/g>\n<\/svg>    <\/span>\n<\/span><\/a>\n                        <\/div>\n                                            <div class=\"swiper-slide || h-auto\">\n                            \n<a href=\"https:\/\/www.assuranciagt.com\/en\/understanding-insurance\/how-to-prevent-water-damage\/\" class=\"card-news group || flex h-full flex-col text-titles [.module--alternate_&#038;]:text-accent col-span-6 || lg:col-span-4\">\n            <div class=\"overflow-hidden\">\n            <img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"229\" src=\"https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/degats-eau-640x229.png\" class=\"w-full h-auto object-cover aspect-[424\/320] transition-transform duration-500 group-hover:scale-105\" alt=\"How to prevent water damage\" srcset=\"https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/degats-eau-640x229.png 640w, https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/degats-eau-1024x366.png 1024w, https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/degats-eau-480x171.png 480w, https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/degats-eau-350x125.png 350w, https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/degats-eau-150x54.png 150w, https:\/\/www.assuranciagt.com\/wp-content\/uploads\/2026\/07\/degats-eau.png 1400w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/>        <\/div>\n    \n    <h3 class=\"text-h4 text-titles [.module--alternate_&#038;]:text-accent mt-6\">How to prevent water damage<\/h3>\n\n    \n    <span class=\"inline-flex items-center gap-x-3 font-bold mt-6 || lg:mt-auto lg:pt-6\" >\n    Read the article    <span class=\"block w-6 transition-transform duration-300 group-hover:translate-x-2 [&#038;_svg]:w-full [&#038;_svg]:h-auto [&#038;_svg_path]:fill-current\" aria-hidden=\"true\">\n        <svg viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n    <g id=\"SVGRepo_iconCarrier\"> \n        <path d=\"M4 12H20M20 12L16 8M20 12L16 16\" stroke=\"#000000\" stroke-width=\"1\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path> \n    <\/g>\n<\/svg>    <\/span>\n<\/span><\/a>\n                        <\/div>\n                                    <\/div>\n            <\/div>\n\n            <div class=\"flex justify-end gap-3 mt-8\">\n                <button type=\"button\" class=\"button-prev btn-nav btn-nav--prev\" aria-label=\"Previous articles\">\n                    <span class=\"btn-arrow-wrap\" aria-hidden=\"true\"><span 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