{"id":1476,"date":"2026-06-08T07:47:04","date_gmt":"2026-06-08T07:47:04","guid":{"rendered":"https:\/\/la-turquoise.dev-1.hamakmarketingnumerique.com\/?post_type=program&#038;p=1476"},"modified":"2026-08-24T20:55:54","modified_gmt":"2026-08-24T20:55:54","slug":"commerces-et-detaillants","status":"publish","type":"program","link":"https:\/\/www.laturquoise.ca\/fr\/programmes\/commerces-et-detaillants\/","title":{"rendered":"Commerces et d\u00e9taillants"},"content":{"rendered":"\n<section class=\"personal-hero reveal\">\n    <div class=\"personal-hero__wrapper container\">\n        <div class=\"personal-hero__media\" aria-hidden=\"true\">\n            <img loading=\"lazy\" decoding=\"async\" width=\"1254\" height=\"836\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1369508999.jpg\" class=\"img-cover\" alt=\"Transaction entre un client et un commer\u00e7ant dans une boutique de fleurs avec plantes expos\u00e9es sur des \u00e9tag\u00e8res. Illustration d\u2019un commerce de d\u00e9tail et de la protection d\u2019assurance pour entreprises au Qu\u00e9bec.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1369508999.jpg 1254w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1369508999-300x200.jpg 300w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1369508999-1024x683.jpg 1024w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1369508999-768x512.jpg 768w\" sizes=\"auto, (max-width: 1254px) 100vw, 1254px\" \/>        <\/div>\n\n        <div class=\"personal-hero__content\">\n                                                <p class=\"personal-hero__subtitle anim anim-fade-right\">\n                        Commerces et d\u00e9taillants                    <\/p>\n                \n                                    <h1 class=\"personal-hero__title anim anim-fade-right\">\n                        Assurance pour les commerces et d\u00e9taillants au Qu\u00e9bec                    <\/h1>\n                            \n                            <div class=\"personal-hero__actions anim anim-fade-right\">\n                                            \n<div class=\"cta-dropdown\" data-cta-dropdown>\n    <button class=\"cta-dropdown__trigger btn btn--white\" type=\"button\"\n            aria-expanded=\"false\" data-cta-dropdown-trigger>\n        Obtenir une soumission        <svg class=\"cta-dropdown__trigger-icon\" aria-hidden=\"true\" width=\"11\" height=\"6\">\n            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n        <\/svg>\n    <\/button>\n\n    <div class=\"cta-dropdown__panel\" data-cta-dropdown-panel>\n                    <p class=\"cta-dropdown__text\">\n                Contactez-nous pour une soumission            <\/p>\n        \n                    <div class=\"cta-dropdown__links\">\n                                    \n                    <a href=\"tel:18332313757\" class=\"cta-dropdown__link btn btn--white-outlined-green\" aria-label=\"1.833.231.3757\"><span>1.833.231.3757<\/span><\/a>                                    \n                    <a href=\"mailto:cde@laturquoise.ca\" class=\"cta-dropdown__link btn btn--green\" aria-label=\"cde@laturquoise.ca\"><span>cde@laturquoise.ca <\/span><\/a>                            <\/div>\n            <\/div>\n<\/div>                    \n                    <a href=\"https:\/\/laturquoise.ca\/fr\/reclamations\/\" class=\"personal-hero__link btn btn--green\" aria-label=\"Faire une r\u00e9clamation\"><span>Faire une r\u00e9clamation<\/span><\/a>                <\/div>\n            \n                            <button class=\"personal-hero__info anim anim-fade-up\" type=\"button\" aria-haspopup=\"dialog\"\n                        aria-controls=\"personal-hero-info-modal\" data-personal-hero-info-modal-trigger>\n                    <svg class=\"personal-hero__info-icon\" aria-hidden=\"true\" width=\"22\" height=\"22\">\n                        <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#info\"\/>\n                    <\/svg>\n\n                    <span>Informations \u00e0 avoir en main<\/span>\n                <\/button>\n                    <\/div>\n    <\/div>\n\n    \n            <div class=\"personal-hero__info-modal hero-info-modal\" id=\"personal-hero-info-modal\" role=\"dialog\" aria-modal=\"true\" aria-label=\"Informations \u00e0 avoir en main\" hidden data-personal-hero-info-modal>\n            <div class=\"hero-info-modal__overlay\" data-personal-hero-info-modal-close><\/div>\n\n            <div class=\"hero-info-modal__dialog\">\n                <div class=\"hero-info-modal__top\">\n                    <p class=\"hero-info-modal__label\">\n                        Informations \u00e0 avoir en main                    <\/p>\n\n                    <button class=\"hero-info-modal__close\" type=\"button\" aria-label=\"Fermer\" data-personal-hero-info-modal-close>\n                        <svg class=\"hero-info-modal__close-icon\" aria-hidden=\"true\" width=\"23\" height=\"23\">\n                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#burger-close\"\/>\n                        <\/svg>\n                    <\/button>\n                <\/div>\n\n                <div class=\"hero-info-modal__content wysiwyg\">\n                    <p>Pour nous aider \u00e0 pr\u00e9parer votre soumission efficacement, voici les informations utiles \u00e0 avoir sous la main. Les renseignements demand\u00e9s peuvent varier selon vos produits, votre local, votre inventaire, vos canaux de vente, vos mesures de s\u00e9curit\u00e9 et les exigences de souscription de l\u2019assureur.<\/p>\n<p><strong>Pour tous les types d\u2019assurance<\/strong><\/p>\n<ul>\n<li>La date d\u2019entr\u00e9e en vigueur souhait\u00e9e<\/li>\n<li>Le nom de votre assureur actuel, si vous \u00eates d\u00e9j\u00e0 assur\u00e9<\/li>\n<li>Votre contrat d&rsquo;assurance actuel, si vous en avez un<\/li>\n<\/ul>\n<p><strong>Votre commerce<\/strong><\/p>\n<ul>\n<li>Le type de commerce et les produits vendus<\/li>\n<li>Vos revenus annuels approximatifs, ainsi que les variations saisonni\u00e8res de votre inventaire<\/li>\n<li>L\u2019adresse, la superficie et l\u2019usage de votre local, et si vous \u00eates locataire ou propri\u00e9taire<\/li>\n<li>La pr\u00e9sence d\u2019une alarme, de cam\u00e9ras, de gicleurs, d\u2019un coffre-fort ou d\u2019autres mesures de s\u00e9curit\u00e9<\/li>\n<li>La valeur approximative de votre inventaire, de vos stocks, de votre mobilier et de votre \u00e9quipement<\/li>\n<\/ul>\n<p><strong>Si applicable<\/strong><\/p>\n<ul>\n<li>La vente en ligne, l\u2019exp\u00e9dition, la livraison ou l\u2019exportation de marchandises hors du Canada<\/li>\n<li>Les produits vendus sous votre marque, import\u00e9s ou modifi\u00e9s avant la revente<\/li>\n<li>La pr\u00e9sence d\u2019un guichet automatique, d\u2019un coffre-fort, d\u2019activit\u00e9s de gestion d\u2019argent comptant ou de d\u00e9p\u00f4ts importants sur les lieux<\/li>\n<li>Les produits restreints ou \u00e0 risque plus \u00e9lev\u00e9 vendus, comme l\u2019alcool, le tabac, les feux d\u2019artifice, les vapoteuses, les carburants ou d\u2019autres produits r\u00e9glement\u00e9s<\/li>\n<\/ul>\n<p><strong><u>Plus nous disposons d\u2019informations sur votre entreprise, plus nos courtiers peuvent pr\u00e9senter votre dossier clairement aux assureurs et analyser les options adapt\u00e9es \u00e0 votre r\u00e9alit\u00e9 d\u2019affaires au Qu\u00e9bec.<\/u><\/strong><\/p>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/section>\n\n\n<section class=\"personal-products container reveal pb-0\">\n            <h2 class=\"personal-products__title title-l anim anim-fade-up\">\n            Nos solutions en assurance pour commerces et d\u00e9taillants        <\/h2>\n    \n            <ul class=\"personal-products__list\">\n                            \n                <li class=\"personal-products__item anim anim-fade-up\">\n                    <a class=\"personal-products__item-link\" href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/commerces-et-detaillants\/harnois-essence-detaillant-carburant\/\">\n                        \n                                                    <div class=\"personal-products__item-content wysiwyg\">\n                                <h3><strong>Harnois \u00c9nergie (essence), d\u00e9taillant et carburant<\/strong><\/h3>\n<p>D\u00e9taillant membre du r\u00e9seau Harnois ? D\u00e9couvrez les options d\u2019assurance pour les stations-service, d\u00e9panneurs et activit\u00e9s connexes, selon les exigences du programme et des assureurs.<\/p>\n                            <\/div>\n                        \n                        <svg class=\"personal-products__item-arrow\" aria-hidden=\"true\" width=\"21\" height=\"18\">\n                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-more\"\/>\n                        <\/svg>\n                    <\/a>\n                <\/li>\n                    <\/ul>\n    <\/section>\n\n\n<section class=\"program-coverage program-coverage--accordeons container reveal\">\n    <div class=\"program-coverage__container anim anim-fade-up\">\n        <div class=\"program-coverage__media anim anim-fade-left\">\n            <img loading=\"lazy\" decoding=\"async\" width=\"836\" height=\"1254\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-649301366.jpg\" class=\"program-coverage__image\" alt=\"D\u00e9taillant en fruits et l\u00e9gumes tenant une caisse de produits frais derri\u00e8re le comptoir d\u2019une boutique. Contexte d\u2019activit\u00e9s commerciales n\u00e9cessitant une assurance pour commer\u00e7ants au Qu\u00e9bec.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-649301366.jpg 836w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-649301366-200x300.jpg 200w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-649301366-683x1024.jpg 683w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-649301366-768x1152.jpg 768w\" sizes=\"auto, (max-width: 836px) 100vw, 836px\" title=\"D\u00e9taillant en fruits et l\u00e9gumes tenant une caisse de produits frais derri\u00e8re le comptoir d\u2019une boutique. Contexte d\u2019activit\u00e9s commerciales n\u00e9cessitant une assurance pour commer\u00e7ants au Qu\u00e9bec.\" \/>        <\/div>\n\n        <div class=\"program-coverage__content anim anim-fade-right\">\n                            <div class=\"program-coverage__text wysiwyg\">\n                    <h2>L\u2019assurance pour commerces et d\u00e9taillants, selon la r\u00e9alit\u00e9 de votre entreprise<\/h2>\n<p>Les commerces de d\u00e9tail au Qu\u00e9bec prennent plusieurs formes : d\u00e9panneurs, boutiques, commerces alimentaires, quincailleries, stations-service et magasins sp\u00e9cialis\u00e9s. Chaque commerce poss\u00e8de ses produits, son local, sa client\u00e8le, son inventaire, ses \u00e9quipements, ses canaux de vente, ses ventes et ses risques.<\/p>\n<p>Chez La Turquoise, un courtier sp\u00e9cialis\u00e9 analyse votre situation afin d\u2019identifier les principaux risques li\u00e9s \u00e0 vos activit\u00e9s et de vous aider \u00e0 comparer les options d\u2019assurance adapt\u00e9es \u00e0 votre commerce, selon les conditions, limites, exclusions, franchises et crit\u00e8res d\u2019admissibilit\u00e9 des assureurs.<\/p>\n                <\/div>\n            \n                            <div class=\"program-coverage__faq faq__list\">\n                    \n                                            \n                        \n                        <div class=\"faq__item faq-item\" data-faq-item>\n                                                            <h4 class=\"faq-item__question title-s\">\n                                    <button class=\"faq-item__trigger\" type=\"button\" id=\"prog-coverage-acc-faq-trigger-0\"\n                                            aria-expanded=\"false\" aria-controls=\"prog-coverage-acc-faq-panel-0\">\n                                        <span>Les types de commerces couverts<\/span>\n\n                                        <svg class=\"faq-item__icon\" aria-hidden=\"true\" width=\"15\" height=\"8\">\n                                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                        <\/svg>\n                                    <\/button>\n                                <\/h4>\n                            \n                                                            <div class=\"faq-item__answer-wrap\" id=\"prog-coverage-acc-faq-panel-0\" role=\"region\"\n                                                                                    aria-labelledby=\"prog-coverage-acc-faq-trigger-0\"\n                                        >\n                                    <div class=\"faq-item__answer wysiwyg\">\n                                                                                    <ul>\n<li>D\u00e9panneurs et stations-service<\/li>\n<li>Boutiques de v\u00eatements, friperies et commerces de seconde main<\/li>\n<li>Magasins de produits \u00e9lectroniques et \u00e9lectrom\u00e9nagers<\/li>\n<li>Quincailleries et commerces de mat\u00e9riaux<\/li>\n<li>Boutiques de vapoteuses et cigarettes \u00e9lectroniques<\/li>\n<li>Commerces d\u2019alimentation et \u00e9piceries sp\u00e9cialis\u00e9es<\/li>\n<li>Magasins de grandes surfaces et commerces \u00e0 fort achalandage<\/li>\n<li>D\u00e9taillants de produits m\u00e9nagers et de consommation g\u00e9n\u00e9rale<\/li>\n<\/ul>\n                                        \n                                        \n                                                                            <\/div>\n                                <\/div>\n                                                    <\/div>\n                                            \n                        \n                        <div class=\"faq__item faq-item\" data-faq-item>\n                                                            <h4 class=\"faq-item__question title-s\">\n                                    <button class=\"faq-item__trigger\" type=\"button\" id=\"prog-coverage-acc-faq-trigger-1\"\n                                            aria-expanded=\"false\" aria-controls=\"prog-coverage-acc-faq-panel-1\">\n                                        <span>Les r\u00e9alit\u00e9s communes \u00e0 ce secteur<\/span>\n\n                                        <svg class=\"faq-item__icon\" aria-hidden=\"true\" width=\"15\" height=\"8\">\n                                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                        <\/svg>\n                                    <\/button>\n                                <\/h4>\n                            \n                                                            <div class=\"faq-item__answer-wrap\" id=\"prog-coverage-acc-faq-panel-1\" role=\"region\"\n                                                                                    aria-labelledby=\"prog-coverage-acc-faq-trigger-1\"\n                                        >\n                                    <div class=\"faq-item__answer wysiwyg\">\n                                                                                    <p>Les commerces de d\u00e9tail partagent plusieurs caract\u00e9ristiques qui influencent directement leurs besoins en assurance :<\/p>\n<ul>\n<li>Un inventaire de marchandises \u00e0 prot\u00e9ger, souvent variable selon la saison<\/li>\n<li>Un local ouvert au public, avec un achalandage quotidien important<\/li>\n<li>Des \u00e9quipements essentiels \u00e0 l\u2019exploitation (caisses, syst\u00e8mes de paiement, r\u00e9frig\u00e9ration)<\/li>\n<li>Un risque de vol et de vandalisme pr\u00e9sent dans l\u2019ensemble du secteur<\/li>\n<li>Des activit\u00e9s parfois r\u00e9glement\u00e9es (alcool, tabac, feux d\u2019artifice, vapoteuses)<\/li>\n<\/ul>\n                                        \n                                        \n                                                                            <\/div>\n                                <\/div>\n                                                    <\/div>\n                                    <\/div>\n            \n                            <div class=\"program-coverage__actions\">\n                                            \n<div class=\"cta-dropdown\" data-cta-dropdown>\n    <button class=\"cta-dropdown__trigger btn btn--turquoise\" type=\"button\"\n            aria-expanded=\"false\" data-cta-dropdown-trigger>\n        Contacter un courtier        <svg class=\"cta-dropdown__trigger-icon\" aria-hidden=\"true\" width=\"11\" height=\"6\">\n            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n        <\/svg>\n    <\/button>\n\n    <div class=\"cta-dropdown__panel\" data-cta-dropdown-panel>\n                    <p class=\"cta-dropdown__text\">\n                Contactez-nous pour une submission            <\/p>\n        \n                    <div class=\"cta-dropdown__links\">\n                                    \n                    <a href=\"tel:18332313757\" class=\"cta-dropdown__link btn btn--white\" aria-label=\"1.833.231.3757\"><span>1.833.231.3757<\/span><\/a>                                    \n                    <a href=\"https:\/\/laturquoise.ca\/fr\/nous-joindre\/\" class=\"cta-dropdown__link btn btn--green-outlined-white\" aria-label=\"Formulaire de contact\"><span>Formulaire de contact<\/span><\/a>                            <\/div>\n            <\/div>\n<\/div>                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n\n\n<section class=\"product-protections container reveal pt-0\">\n            <div class=\"product-protections__content wysiwyg anim anim-fade-up\">\n            <h2>Les protections d\u2019assurance pour commerces et d\u00e9taillants au Qu\u00e9bec<\/h2>\n<p><span style=\"font-weight: 400\">Un commerce de d\u00e9tail, c\u2019est un local ouvert au public, un inventaire \u00e0 prot\u00e9ger et des \u00e9quipements essentiels au quotidien. Voici les grandes cat\u00e9gories de couverture recommand\u00e9es pour prot\u00e9ger votre entreprise.<\/span><\/p>\n        <\/div>\n    \n            <div class=\"product-protections__columns product-protections__columns--split\">\n                            \n                <div class=\"product-protections__column\">\n                                            \n                        <div class=\"product-protections__card product-protection-card anim anim-fade-up\"\n                             id=\"protection-1\">\n                            <div class=\"product-protection-card__examples\" data-protection-item>\n                                                                    <button class=\"product-protection-card__examples-trigger\" type=\"button\"\n                                            id=\"protection-trigger-1\"\n                                            aria-expanded=\"false\"\n                                            aria-controls=\"protection-panel-1\">\n                                        <span class=\"screen-reader-response\">\n                                            Exemples                                        <\/span>\n                                    <\/button>\n                                \n                                <div class=\"product-protection-card__examples-header\">\n                                                                            <h3><strong>Le b\u00e2timent et le local<\/strong><\/h3>\n<p>Votre assurance couvre votre local commercial en cas d\u2019incendie, de vandalisme ou d\u2019autres dommages pr\u00e9vus \u00e0 votre contrat. Si vous \u00eates propri\u00e9taire, la couverture tient compte de la valeur de reconstruction du b\u00e2timent. Si vous \u00eates locataire, elle prot\u00e8ge vos am\u00e9liorations locatives.<\/p>\n                                    \n                                                                    <\/div>\n\n                                                                    <div class=\"product-protection-card__examples-more\" aria-hidden=\"true\">\n                                        <span>Exemples<\/span>\n\n                                        <svg class=\"product-protection-card__examples-icon\" aria-hidden=\"true\"\n                                             width=\"15\" height=\"8\">\n                                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                        <\/svg>\n                                    <\/div>\n\n                                    <div class=\"product-protection-card__examples-wrap\"\n                                         id=\"protection-panel-1\"\n                                         role=\"region\"\n                                         aria-labelledby=\"protection-trigger-1\">\n                                        <div class=\"product-protection-card__examples-content wysiwyg\">\n                                            <ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Un incendie se d\u00e9clare la nuit et endommage votre local<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Du vandalisme brise vos vitrines et votre devanture<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Un d\u00e9g\u00e2t d\u2019eau cause des dommages \u00e0 vos installations<\/span><\/li>\n<\/ul>\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                                            \n                        <div class=\"product-protections__card product-protection-card anim anim-fade-up\"\n                             id=\"protection-3\">\n                            <div class=\"product-protection-card__examples\" data-protection-item>\n                                                                    <button class=\"product-protection-card__examples-trigger\" type=\"button\"\n                                            id=\"protection-trigger-3\"\n                                            aria-expanded=\"false\"\n                                            aria-controls=\"protection-panel-3\">\n                                        <span class=\"screen-reader-response\">\n                                            Exemples                                        <\/span>\n                                    <\/button>\n                                \n                                <div class=\"product-protection-card__examples-header\">\n                                                                            <h3><strong>Le bris d\u2019\u00e9quipement<\/strong><\/h3>\n<p>Un bris soudain et impr\u00e9vu peut ralentir ou interrompre vos activit\u00e9s. Cette protection couvre les dommages caus\u00e9s aux \u00e9quipements m\u00e9caniques, \u00e9lectriques ou \u00e9lectroniques essentiels \u00e0 votre exploitation. Elle peut aussi couvrir les frais de r\u00e9paration ou de remplacement lorsque ceux-ci sont admissibles.<\/p>\n                                    \n                                                                    <\/div>\n\n                                                                    <div class=\"product-protection-card__examples-more\" aria-hidden=\"true\">\n                                        <span>Exemples<\/span>\n\n                                        <svg class=\"product-protection-card__examples-icon\" aria-hidden=\"true\"\n                                             width=\"15\" height=\"8\">\n                                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                        <\/svg>\n                                    <\/div>\n\n                                    <div class=\"product-protection-card__examples-wrap\"\n                                         id=\"protection-panel-3\"\n                                         role=\"region\"\n                                         aria-labelledby=\"protection-trigger-3\">\n                                        <div class=\"product-protection-card__examples-content wysiwyg\">\n                                            <ul>\n<li>Votre syst\u00e8me de r\u00e9frig\u00e9ration tombe en panne et vous perdez votre stock alimentaire.<\/li>\n<li>Une surtension \u00e9lectrique endommage un \u00e9quipement essentiel \u00e0 vos op\u00e9rations.<\/li>\n<li>Un bris soudain d\u2019\u00e9quipement interrompt vos activit\u00e9s et entra\u00eene des frais de r\u00e9paration ainsi qu\u2019une perte de revenus.<\/li>\n<\/ul>\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                                            \n                        <div class=\"product-protections__card product-protection-card anim anim-fade-up\"\n                             id=\"protection-5\">\n                            <div class=\"product-protection-card__examples\" data-protection-item>\n                                                                    <button class=\"product-protection-card__examples-trigger\" type=\"button\"\n                                            id=\"protection-trigger-5\"\n                                            aria-expanded=\"false\"\n                                            aria-controls=\"protection-panel-5\">\n                                        <span class=\"screen-reader-response\">\n                                            Exemples                                        <\/span>\n                                    <\/button>\n                                \n                                <div class=\"product-protection-card__examples-header\">\n                                                                            <h3><strong>La responsabilit\u00e9 civile g\u00e9n\u00e9rale<\/strong><\/h3>\n<p>La responsabilit\u00e9 civile g\u00e9n\u00e9rale (RCG) pourrait s\u2019appliquer lorsqu\u2019une r\u00e9clamation vise des blessures corporelles, des dommages mat\u00e9riels ou certains autres pr\u00e9judices couverts. Ces situations peuvent d\u00e9couler de vos activit\u00e9s, de vos locaux ou des produits que vous vendez.<\/p>\n<p>Les frais de d\u00e9fense pourraient \u00e9galement \u00eatre couverts selon votre contrat. Pour un commerce de d\u00e9tail, cette protection peut notamment concerner les blessures subies par un client, les dommages caus\u00e9s \u00e0 la propri\u00e9t\u00e9 d\u2019un tiers ou certaines r\u00e9clamations li\u00e9es \u00e0 un produit vendu.<\/p>\n                                    \n                                                                    <\/div>\n\n                                                                    <div class=\"product-protection-card__examples-more\" aria-hidden=\"true\">\n                                        <span>Exemples<\/span>\n\n                                        <svg class=\"product-protection-card__examples-icon\" aria-hidden=\"true\"\n                                             width=\"15\" height=\"8\">\n                                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                        <\/svg>\n                                    <\/div>\n\n                                    <div class=\"product-protection-card__examples-wrap\"\n                                         id=\"protection-panel-5\"\n                                         role=\"region\"\n                                         aria-labelledby=\"protection-trigger-5\">\n                                        <div class=\"product-protection-card__examples-content wysiwyg\">\n                                            <ul>\n<li>Un client glisse sur un plancher mouill\u00e9 et se blesse.<\/li>\n<li>Un produit vendu cause un dommage \u00e0 un acheteur.<\/li>\n<li>Un employ\u00e9 endommage accidentellement la propri\u00e9t\u00e9 d\u2019un voisin lors d\u2019une livraison.<\/li>\n<\/ul>\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                            \n                <div class=\"product-protections__column\">\n                                            \n                        <div class=\"product-protections__card product-protection-card anim anim-fade-up\"\n                             id=\"protection-2\">\n                            <div class=\"product-protection-card__examples\" data-protection-item>\n                                                                    <button class=\"product-protection-card__examples-trigger\" type=\"button\"\n                                            id=\"protection-trigger-2\"\n                                            aria-expanded=\"false\"\n                                            aria-controls=\"protection-panel-2\">\n                                        <span class=\"screen-reader-response\">\n                                            Exemples                                        <\/span>\n                                    <\/button>\n                                \n                                <div class=\"product-protection-card__examples-header\">\n                                                                            <h3><strong>Le contenu et la marchandise<\/strong><\/h3>\n<p>Votre inventaire, votre mobilier commercial et votre \u00e9quipement sont couverts contre le vol, l\u2019incendie et les dommages pr\u00e9vus \u00e0 votre contrat. La protection s\u2019adapte aux fluctuations de votre inventaire au fil des saisons.<\/p>\n                                    \n                                                                    <\/div>\n\n                                                                    <div class=\"product-protection-card__examples-more\" aria-hidden=\"true\">\n                                        <span>Exemples<\/span>\n\n                                        <svg class=\"product-protection-card__examples-icon\" aria-hidden=\"true\"\n                                             width=\"15\" height=\"8\">\n                                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                        <\/svg>\n                                    <\/div>\n\n                                    <div class=\"product-protection-card__examples-wrap\"\n                                         id=\"protection-panel-2\"\n                                         role=\"region\"\n                                         aria-labelledby=\"protection-trigger-2\">\n                                        <div class=\"product-protection-card__examples-content wysiwyg\">\n                                            <ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Un vol par effraction vide votre r\u00e9serve de marchandise<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Un incendie d\u00e9truit votre inventaire en entrep\u00f4t<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Votre stock saisonnier est endommag\u00e9 avant les f\u00eates<\/span><\/li>\n<\/ul>\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                                            \n                        <div class=\"product-protections__card product-protection-card anim anim-fade-up\"\n                             id=\"protection-4\">\n                            <div class=\"product-protection-card__examples\" data-protection-item>\n                                                                    <button class=\"product-protection-card__examples-trigger\" type=\"button\"\n                                            id=\"protection-trigger-4\"\n                                            aria-expanded=\"false\"\n                                            aria-controls=\"protection-panel-4\">\n                                        <span class=\"screen-reader-response\">\n                                            Exemples                                        <\/span>\n                                    <\/button>\n                                \n                                <div class=\"product-protection-card__examples-header\">\n                                                                            <h3><strong>La perte de revenus<\/strong><\/h3>\n<p>Cette protection pourrait aider \u00e0 compenser une partie des revenus perdus. Elle peut aussi couvrir certaines d\u00e9penses suppl\u00e9mentaires lorsque votre commerce doit ralentir ses activit\u00e9s ou fermer \u00e0 la suite d\u2019un sinistre couvert. Les montants et la dur\u00e9e de l\u2019indemnisation d\u00e9pendent notamment de votre contrat.<\/p>\n<p>Votre courtier peut vous aider \u00e0 \u00e9valuer la dur\u00e9e de soutien n\u00e9cessaire et certains risques li\u00e9s \u00e0 vos fournisseurs, \u00e0 l\u2019acc\u00e8s \u00e0 votre local ou aux services publics.<\/p>\n                                    \n                                                                    <\/div>\n\n                                                                    <div class=\"product-protection-card__examples-more\" aria-hidden=\"true\">\n                                        <span>Exemples<\/span>\n\n                                        <svg class=\"product-protection-card__examples-icon\" aria-hidden=\"true\"\n                                             width=\"15\" height=\"8\">\n                                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                        <\/svg>\n                                    <\/div>\n\n                                    <div class=\"product-protection-card__examples-wrap\"\n                                         id=\"protection-panel-4\"\n                                         role=\"region\"\n                                         aria-labelledby=\"protection-trigger-4\">\n                                        <div class=\"product-protection-card__examples-content wysiwyg\">\n                                            <ul>\n<li>Un incendie oblige la fermeture de votre commerce pendant trois semaines.<\/li>\n<li>Des travaux de r\u00e9paration majeurs emp\u00eachent l\u2019acc\u00e8s \u00e0 votre local.<\/li>\n<li>Une interruption chez un fournisseur essentiel, un sinistre \u00e0 proximit\u00e9 ou un probl\u00e8me d\u2019acc\u00e8s nuit \u00e0 vos activit\u00e9s, selon les protections souscrites.<\/li>\n<\/ul>\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                                            \n                        <div class=\"product-protections__card product-protection-card anim anim-fade-up\"\n                             id=\"protection-6\">\n                            <div class=\"product-protection-card__examples\" data-protection-item>\n                                                                    <button class=\"product-protection-card__examples-trigger\" type=\"button\"\n                                            id=\"protection-trigger-6\"\n                                            aria-expanded=\"false\"\n                                            aria-controls=\"protection-panel-6\">\n                                        <span class=\"screen-reader-response\">\n                                            Exemples                                        <\/span>\n                                    <\/button>\n                                \n                                <div class=\"product-protection-card__examples-header\">\n                                                                            <h3><strong>Le crime et le vol<\/strong><\/h3>\n<p>Le vol, l\u2019entr\u00e9e par effraction, le vandalisme et la malhonn\u00eatet\u00e9 d\u2019un employ\u00e9 peuvent entra\u00eener des pertes financi\u00e8res importantes. Cette protection pourrait aider \u00e0 couvrir certaines pertes li\u00e9es \u00e0 l\u2019argent, aux stocks ou aux marchandises.<\/p>\n<p>Son application d\u00e9pend notamment des protections choisies, des exclusions et des limites pr\u00e9vues au contrat.<\/p>\n                                    \n                                                                    <\/div>\n\n                                                                    <div class=\"product-protection-card__examples-more\" aria-hidden=\"true\">\n                                        <span>Exemples<\/span>\n\n                                        <svg class=\"product-protection-card__examples-icon\" aria-hidden=\"true\"\n                                             width=\"15\" height=\"8\">\n                                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                        <\/svg>\n                                    <\/div>\n\n                                    <div class=\"product-protection-card__examples-wrap\"\n                                         id=\"protection-panel-6\"\n                                         role=\"region\"\n                                         aria-labelledby=\"protection-trigger-6\">\n                                        <div class=\"product-protection-card__examples-content wysiwyg\">\n                                            <ul>\n<li>Une entr\u00e9e par effraction en dehors des heures d\u2019ouverture.<\/li>\n<li>Un vol \u00e0 main arm\u00e9e impliquant la caisse enregistreuse.<\/li>\n<li>Des employ\u00e9s d\u00e9robent de la marchandise sur une p\u00e9riode prolong\u00e9e.<\/li>\n<\/ul>\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                    <\/div>\n    <\/section>\n\n\n\n<section class=\"product-practices container reveal\" data-practice-block>\n            <div class=\"product-practices__content wysiwyg anim anim-fade-up\">\n            <h2>Les protections compl\u00e9mentaires pour votre commerce<\/h2>\n<p><span style=\"font-weight: 400\">Certaines protections s\u2019ajoutent \u00e0 votre couverture de base selon la nature de vos activit\u00e9s. Voici les options les plus pertinentes pour les commerces et d\u00e9taillants.<\/span><\/p>\n        <\/div>\n    \n            <div class=\"product-practices__columns\" data-practice-columns>\n                            \n                <div class=\"product-practices__column\">\n                                            \n                        <div class=\"product-practices__card product-practice-card anim anim-fade-up\"\n                             data-practice-card\n                             data-practice-row=\"0\">\n                            <div class=\"product-practice-card__examples\">\n                                \n                                <div class=\"product-practice-card__examples-header\">\n                                                                            <h3><strong>L\u2019inondation<\/strong><\/h3>\n<p><span style=\"font-weight: 400\">Cette protection couvre les dommages caus\u00e9s par la crue des eaux ou le d\u00e9bordement d\u2019un cours d\u2019eau. Selon l\u2019assureur, elle peut aussi inclure les dommages caus\u00e9s par les eaux de surface, comme les pluies abondantes ou la fonte des neiges.<\/span><\/p>\n                                    \n                                                                    <\/div>\n\n                                                            <\/div>\n                        <\/div>\n                                            \n                        <div class=\"product-practices__card product-practice-card anim anim-fade-up\"\n                             data-practice-card\n                             data-practice-row=\"1\">\n                            <div class=\"product-practice-card__examples\">\n                                \n                                <div class=\"product-practice-card__examples-header\">\n                                                                            <h3><strong>Les biens en cours de transport<\/strong><\/h3>\n<p><span style=\"font-weight: 400\">Si vous livrez de la marchandise ou recevez des commandes de fournisseurs, cette protection couvre les biens en transit. Elle s\u2019applique durant le transport, sur le quai de chargement et en attente de livraison.<\/span><\/p>\n                                    \n                                                                    <\/div>\n\n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                            \n                <div class=\"product-practices__column\">\n                                            \n                        <div class=\"product-practices__card product-practice-card anim anim-fade-up\"\n                             data-practice-card\n                             data-practice-row=\"0\">\n                            <div class=\"product-practice-card__examples\" data-practice-item>\n                                                                    <button class=\"product-practice-card__examples-trigger\" type=\"button\"\n                                            id=\"practice-trigger-2\"\n                                            aria-expanded=\"false\"\n                                            aria-controls=\"practice-panel-2\">\n                                        <span class=\"screen-reader-response\">\n                                            Exemples                                        <\/span>\n                                    <\/button>\n                                \n                                <div class=\"product-practice-card__examples-header\">\n                                                                            <h3><strong>Le refoulement d\u2019\u00e9gouts<\/strong><\/h3>\n<p><span style=\"font-weight: 400\">Un refoulement d\u2019\u00e9gouts peut causer des dommages importants \u00e0 votre local et \u00e0 votre inventaire. Cette protection couvre les dommages caus\u00e9s par les \u00e9gouts sanitaires, les \u00e9gouts pluviaux et les puisards.<\/span><\/p>\n                                    \n                                                                    <\/div>\n\n                                                                    <div class=\"product-practice-card__examples-more\" aria-hidden=\"true\">\n                                        <span>Exemples<\/span>\n\n                                        <svg class=\"product-practice-card__examples-icon\" aria-hidden=\"true\"\n                                             width=\"15\" height=\"8\">\n                                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                        <\/svg>\n                                    <\/div>\n\n                                    <div class=\"product-practice-card__examples-wrap\"\n                                         id=\"practice-panel-2\"\n                                         role=\"region\"\n                                         aria-labelledby=\"practice-trigger-2\">\n                                        <div class=\"product-practice-card__examples-content wysiwyg\">\n                                            <ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Un refoulement endommage votre plancher et votre stock en entrep\u00f4t<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Une pluie abondante surcharge les \u00e9gouts et inonde votre sous-sol<\/span><\/li>\n<\/ul>\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                                            \n                        <div class=\"product-practices__card product-practice-card anim anim-fade-up\"\n                             data-practice-card\n                             data-practice-row=\"1\">\n                            <div class=\"product-practice-card__examples\">\n                                \n                                <div class=\"product-practice-card__examples-header\">\n                                                                            <h3><strong>La responsabilit\u00e9 civile des administrateurs et dirigeants<\/strong><\/h3>\n<p><span style=\"font-weight: 400\">La responsabilit\u00e9 civile des administrateurs et dirigeants (D&amp;O) couvre les cons\u00e9quences financi\u00e8res d\u2019une d\u00e9cision prise dans l\u2019exercice de vos fonctions. Un propri\u00e9taire de commerce peut avoir \u00e0 r\u00e9pondre personnellement d\u2019une d\u00e9cision d\u2019affaires, d\u2019un cong\u00e9diement contest\u00e9 ou d\u2019une promesse non tenue envers un employ\u00e9.<\/span><\/p>\n                                    \n                                                                    <\/div>\n\n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                            \n                <div class=\"product-practices__column\">\n                                            \n                        <div class=\"product-practices__card product-practice-card anim anim-fade-up\"\n                             data-practice-card\n                             data-practice-row=\"0\">\n                            <div class=\"product-practice-card__examples\" data-practice-item>\n                                                                    <button class=\"product-practice-card__examples-trigger\" type=\"button\"\n                                            id=\"practice-trigger-3\"\n                                            aria-expanded=\"false\"\n                                            aria-controls=\"practice-panel-3\">\n                                        <span class=\"screen-reader-response\">\n                                            Exemples                                        <\/span>\n                                    <\/button>\n                                \n                                <div class=\"product-practice-card__examples-header\">\n                                                                            <h3><strong>Le cyber-risque<\/strong><\/h3>\n<p><span style=\"font-weight: 400\">Un commerce qui accepte des paiements \u00e9lectroniques ou qui conserve des donn\u00e9es clients repr\u00e9sente une cible potentielle pour les cyberattaques. Cette protection couvre les frais li\u00e9s \u00e0 une attaque informatique, la remise en \u00e9tat des syst\u00e8mes et les frais de notification aux clients affect\u00e9s.<\/span><\/p>\n                                    \n                                                                            <a class=\"product-practice-card__examples-link\"\n                                           href=\"https:\/\/www.laturquoise.ca\/fr\/entreprises\/cybersecurite\/\">\n                                            En savoir plus sur la cyberassurance                                         <\/a>\n                                                                    <\/div>\n\n                                                                    <div class=\"product-practice-card__examples-more\" aria-hidden=\"true\">\n                                        <span>Exemples<\/span>\n\n                                        <svg class=\"product-practice-card__examples-icon\" aria-hidden=\"true\"\n                                             width=\"15\" height=\"8\">\n                                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                        <\/svg>\n                                    <\/div>\n\n                                    <div class=\"product-practice-card__examples-wrap\"\n                                         id=\"practice-panel-3\"\n                                         role=\"region\"\n                                         aria-labelledby=\"practice-trigger-3\">\n                                        <div class=\"product-practice-card__examples-content wysiwyg\">\n                                            <ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Un pirate bloque vos syst\u00e8mes de caisse et exige une ran\u00e7on<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Des donn\u00e9es de cartes de cr\u00e9dit de clients sont vol\u00e9es<\/span><\/li>\n<\/ul>\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                                            \n                        <div class=\"product-practices__card product-practice-card anim anim-fade-up\"\n                             data-practice-card\n                             data-practice-row=\"1\">\n                            <div class=\"product-practice-card__examples\">\n                                \n                                <div class=\"product-practice-card__examples-header\">\n                                                                            <h3><strong>Les ventes aux \u00c9tats-Unis<\/strong><\/h3>\n<p><span style=\"font-weight: 400\">Vendre des produits \u00e0 des clients am\u00e9ricains expose votre commerce au syst\u00e8me juridique am\u00e9ricain. Les r\u00e9clamations en responsabilit\u00e9 civile peuvent \u00eatre beaucoup plus \u00e9lev\u00e9es qu\u2019au Canada. Cette protection adapte votre couverture aux exigences de ce march\u00e9.<\/span><\/p>\n                                    \n                                                                    <\/div>\n\n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                    <\/div>\n    <\/section>\n\n\n<section class=\"cta-banner container reveal\">\n            <div class=\"cta-banner__content wysiwyg anim anim-fade-up\">\n            <h2>Prot\u00e9gez mon entreprise d\u00e8s maintenant!<\/h2>\n        <\/div>\n    \n            <div class=\"cta-banner__actions anim anim-fade-up\">\n                            <div class=\"cta-banner__action\">\n                                            \n<div class=\"cta-dropdown\" data-cta-dropdown>\n    <button class=\"cta-dropdown__trigger btn btn--white-outlined-blue\" type=\"button\"\n            aria-expanded=\"false\" data-cta-dropdown-trigger>\n        Obtenir une soumission        <svg class=\"cta-dropdown__trigger-icon\" aria-hidden=\"true\" width=\"11\" height=\"6\">\n            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n        <\/svg>\n    <\/button>\n\n    <div class=\"cta-dropdown__panel\" data-cta-dropdown-panel>\n                    <p class=\"cta-dropdown__text\">\n                Contactez-nous pour une soumission            <\/p>\n        \n                    <div class=\"cta-dropdown__links\">\n                                    \n                    <a href=\"tel:18332313757\" class=\"cta-dropdown__link btn btn--white-outlined-blue\" aria-label=\"1.833.231.3757\"><span>1.833.231.3757<\/span><\/a>                                    \n                    <a href=\"https:\/\/laturquoise.ca\/fr\/nous-joindre\/\" class=\"cta-dropdown__link btn btn--blue-dark\" aria-label=\"Formulaire de contact\"><span>Formulaire de contact<\/span><\/a>                            <\/div>\n            <\/div>\n<\/div>                                    <\/div>\n            \n                    <\/div>\n    <\/section>\n\n\n\n<section class=\"personal-partners container reveal\">\n    <div class=\"personal-partners__media\" aria-hidden=\"true\">\n        <img src=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/decor\/dist\/personal-partners-bg.jpg\" width=\"4320\" height=\"1806\" alt=\"\" class=\"img-cover\" loading=\"lazy\" decoding=\"async\">    <\/div>\n\n    <div class=\"personal-partners-search anim anim-fade-up\" data-insurance-search>\n                    <div class=\"personal-partners-search__content wysiwyg\">\n                <h3><strong>Associations et programmes partenaires<\/strong><\/h3>\n<p><span style=\"font-weight: 400\">La Turquoise collabore avec plusieurs associations, regroupements professionnels et organisations afin d\u2019offrir des avantages \u00e0 leurs membres. Parcourez la liste pour voir les associations et programmes actuellement offerts.<\/span><\/p>\n            <\/div>\n        \n        \n        <div class=\"personal-partners-search__box\">\n            <button class=\"personal-partners-search__button\" id=\"personal-partners-search-trigger\" type=\"button\"\n                    aria-expanded=\"false\" aria-controls=\"personal-partners-search-panel\" data-insurance-search-trigger>\n                <span class=\"personal-partners-search__button-text\">\n                    Rechercher                <\/span>\n\n                <svg class=\"personal-partners-search__button-icon\" aria-hidden=\"true\" width=\"15\" height=\"8\">\n                    <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                <\/svg>\n            <\/button>\n\n                            <div class=\"personal-partners-search__dropdown\" id=\"personal-partners-search-panel\"\n                     data-insurance-search-panel>\n                    <div class=\"personal-partners-search__search\">\n                        <label class=\"personal-partners-search__input-label screen-reader-response\"\n                               for=\"personal-partners-search-input\">\n                            Rechercher                        <\/label>\n\n                        <div class=\"personal-partners-search__search-field\">\n                            <svg class=\"personal-partners-search__search-icon\" aria-hidden=\"true\" width=\"20\"\n                                 height=\"20\">\n                                <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#search\"\/>\n                            <\/svg>\n\n                            <input class=\"personal-partners-search__search-input\" id=\"personal-partners-search-input\"\n                                   type=\"search\" placeholder=\"Rechercher\"\n                                   data-insurance-search-input>\n                        <\/div>\n                    <\/div>\n\n                    <div class=\"personal-partners-search__groups\" data-insurance-search-groups>\n                                                    \n                            <details class=\"personal-partners-search__group\" data-insurance-search-group>\n                                                                    <summary class=\"personal-partners-search__group-title\">\n                                        Programme et rabais d\u2019affinit\u00e9s                                        <svg class=\"personal-partners-search__group-icon\" aria-hidden=\"true\"\n                                             width=\"6\" height=\"11\">\n                                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron-prev\"\/>\n                                        <\/svg>\n                                    <\/summary>\n                                \n                                                                    <ul class=\"personal-partners-search__list\" id=\"personal-partners-search-panel-group-0\">\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/services-professionnels\/anges-quebec\/\"\n                                                   data-insurance-search-link>\n                                                    Anges Qu\u00e9bec                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/agricole-et-foresterie\/societe-internationale-darboriculture-quebec-siaq\/\"\n                                                   data-insurance-search-link>\n                                                    Arboriculteurs (Soci\u00e9t\u00e9 internationale d\u2019arboriculture Qu\u00e9bec &#8211; SIAQ)                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/tourisme-hotellerie-et-voyage\/association-canadienne-des-agences-de-voyages-et-conseillers-de-voyages-acta\/\"\n                                                   data-insurance-search-link>\n                                                    Association canadienne des agences de voyages et conseillers de voyages (ACTA)                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/services-professionnels\/association-educatrices-et-educateurs-specialises-du-quebec-aeesq\/\"\n                                                   data-insurance-search-link>\n                                                    Association \u00c9ducatrices et \u00e9ducateurs sp\u00e9cialis\u00e9s du Qu\u00e9bec (AEESQ)                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/tourisme-hotellerie-et-voyage\/association-des-hoteliers-du-quebec-ahq\/\"\n                                                   data-insurance-search-link>\n                                                    Association des h\u00f4teliers du Qu\u00e9bec (AHQ)                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/services-loisirs-et-divers\/association-des-proprietaires-de-salons-de-quilles-du-quebec-apsqq\/\"\n                                                   data-insurance-search-link>\n                                                    Association des propri\u00e9taires de salons de quilles du Qu\u00e9bec (APSQQ)                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/construction-et-batiments\/association-pour-entrepreneurs-en-construction-au-quebec-acq-abitibi-outaouais\/\"\n                                                   data-insurance-search-link>\n                                                    Association pour entrepreneurs en construction au Qu\u00e9bec (ACQ) Abitibi-Outaouais                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/medecines-alternatives-et-bien-etre\/association-professionnelle-des-ergonomes-du-quebec-apeq\/\"\n                                                   data-insurance-search-link>\n                                                    Association professionnelle des ergonomes du Qu\u00e9bec (APEQ)                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/services-professionnels\/cabinets-et-services-financiers\/\"\n                                                   data-insurance-search-link>\n                                                    Cabinets et services financiers                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/medecines-alternatives-et-bien-etre\/corporation-des-zootherapeutes-du-quebec-czq\/\"\n                                                   data-insurance-search-link>\n                                                    Corporation des Zooth\u00e9rapeutes du Qu\u00e9bec (CZQ)                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/services-professionnels\/courtiers-et-cabinets-en-courtage-hypothecaires\/\"\n                                                   data-insurance-search-link>\n                                                    Courtiers et cabinets en courtage hypoth\u00e9caires                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/agricole-et-foresterie\/federation-des-producteurs-forestiers-du-quebec\/\"\n                                                   data-insurance-search-link>\n                                                    F\u00e9d\u00e9ration des producteurs forestiers du Qu\u00e9bec                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/garages-et-ateliers-mecaniques\/garage-napa-autopro\/\"\n                                                   data-insurance-search-link>\n                                                    Garage NAPA Autopro                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/commerces-et-detaillants\/harnois-essence-detaillant-carburant\/\"\n                                                   data-insurance-search-link>\n                                                    Harnois (essence), d\u00e9taillant carburant                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/garages-et-ateliers-mecaniques\/mecaniques-services-web-msw\/\"\n                                                   data-insurance-search-link>\n                                                    M\u00e9canique Services Web (MSW), cybers\u00e9curit\u00e9                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/medecines-alternatives-et-bien-etre\/medecines-alternatives\/\"\n                                                   data-insurance-search-link>\n                                                    M\u00e9decines alternatives                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/professionnels-de-lesthetique-et-soins-de-beaute\/professionnels-de-lesthetique-et-soins-de-beaute-apeseq\/\"\n                                                   data-insurance-search-link>\n                                                    Professionnels de l\u2019esth\u00e9tique et soins de beaut\u00e9 (APESEQ)                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/residences-pour-aines\/regroupement-quebecois-des-residences-pour-aines-rqra\/\"\n                                                   data-insurance-search-link>\n                                                    Regroupement qu\u00e9b\u00e9cois des r\u00e9sidences pour a\u00een\u00e9s (RQRA)                                                <\/a>\n                                            <\/li>\n                                                                            <\/ul>\n                                                            <\/details>\n                        \n                        <p class=\"personal-partners-search__empty\" hidden data-insurance-search-empty>\n                            Aucun r\u00e9sultat trouv\u00e9.                        <\/p>\n                    <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n\n<section class=\"faq container reveal\">\n            <div class=\"faq__content wysiwyg anim anim-fade-left\">\n            <h2>Vos questions sur l\u2019assurance pour commerces et d\u00e9taillants au Qu\u00e9bec<\/h2>\n<p><span style=\"font-weight: 400\">Des questions reviennent souvent au sujet de l\u2019assurance pour les commerces et d\u00e9taillants. Voici les r\u00e9ponses aux interrogations les plus fr\u00e9quentes pour mieux comprendre vos protections et faire les bons choix.<\/span><\/p>\n        <\/div>\n    \n            <div class=\"faq__list\">\n            \n                            \n                \n                <div class=\"faq__item faq-item anim anim-fade-up\" data-faq-item>\n                                            <h4 class=\"faq-item__question title-s\">\n                            <button class=\"faq-item__trigger\" type=\"button\" id=\"faq-trigger-0\"\n                                    aria-expanded=\"false\" aria-controls=\"faq-panel-0\">\n                                <span>Qu\u2019est-ce que l\u2019assurance responsabilit\u00e9 civile couvre si un client se blesse dans mon commerce?<\/span>\n\n                                <svg class=\"faq-item__icon\" aria-hidden=\"true\" width=\"15\" height=\"8\">\n                                    <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                <\/svg>\n                            <\/button>\n                        <\/h4>\n                    \n                                            <div class=\"faq-item__answer-wrap\" id=\"faq-panel-0\" role=\"region\"\n                                                                    aria-labelledby=\"faq-trigger-0\"\n                                >\n                            <div class=\"faq-item__answer wysiwyg\">\n                                                                    <p><span style=\"font-weight: 400\">La responsabilit\u00e9 civile g\u00e9n\u00e9rale couvre les dommages corporels et mat\u00e9riels caus\u00e9s \u00e0 un tiers. Ces dommages peuvent survenir dans le cadre de vos activit\u00e9s ou sur vos lieux d\u2019affaires. Un client bless\u00e9 dans votre local, dans votre stationnement ou \u00e0 votre entr\u00e9e peut entra\u00eener une r\u00e9clamation. Cette protection prend en charge les frais juridiques et les montants \u00e0 payer.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Elle couvre aussi les dommages caus\u00e9s par un produit vendu. Si un article commercialis\u00e9 cause un dommage \u00e0 un acheteur, votre responsabilit\u00e9 peut \u00eatre engag\u00e9e. Un courtier peut vous aider \u00e0 choisir le bon montant de couverture selon vos activit\u00e9s.<\/span><\/p>\n                                \n                                \n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                            \n                \n                <div class=\"faq__item faq-item anim anim-fade-up\" data-faq-item>\n                                            <h4 class=\"faq-item__question title-s\">\n                            <button class=\"faq-item__trigger\" type=\"button\" id=\"faq-trigger-1\"\n                                    aria-expanded=\"false\" aria-controls=\"faq-panel-1\">\n                                <span>Mon inventaire est-il couvert en cas de vol ou de vandalisme?<\/span>\n\n                                <svg class=\"faq-item__icon\" aria-hidden=\"true\" width=\"15\" height=\"8\">\n                                    <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                <\/svg>\n                            <\/button>\n                        <\/h4>\n                    \n                                            <div class=\"faq-item__answer-wrap\" id=\"faq-panel-1\" role=\"region\"\n                                                                    aria-labelledby=\"faq-trigger-1\"\n                                >\n                            <div class=\"faq-item__answer wysiwyg\">\n                                                                    <p><span style=\"font-weight: 400\">Oui, dans la plupart des cas. L\u2019assurance contenue couvre votre marchandise, votre mobilier commercial et vos \u00e9quipements contre le vol, l\u2019entr\u00e9e par effraction et le vandalisme. La marchandise est g\u00e9n\u00e9ralement rembours\u00e9e au prix co\u00fbtant, pas \u00e0 sa valeur de vente.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Certains \u00e9l\u00e9ments influencent votre couverture\u00a0: le type de produits vendus, la pr\u00e9sence d\u2019un syst\u00e8me d\u2019alarme et les mesures de s\u00e9curit\u00e9 en place. Les commerces qui vendent des produits \u00e0 forte valeur peuvent appliquer des exigences diff\u00e9rentes. V\u00e9rifiez que votre montant assur\u00e9 refl\u00e8te la valeur r\u00e9elle de votre inventaire.<\/span><\/p>\n                                \n                                \n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                            \n                \n                <div class=\"faq__item faq-item anim anim-fade-up\" data-faq-item>\n                                            <h4 class=\"faq-item__question title-s\">\n                            <button class=\"faq-item__trigger\" type=\"button\" id=\"faq-trigger-2\"\n                                    aria-expanded=\"false\" aria-controls=\"faq-panel-2\">\n                                <span>Qu\u2019est-ce que la perte d\u2019exploitation\u2009? Mon entreprise est-elle concern\u00e9e?<\/span>\n\n                                <svg class=\"faq-item__icon\" aria-hidden=\"true\" width=\"15\" height=\"8\">\n                                    <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                <\/svg>\n                            <\/button>\n                        <\/h4>\n                    \n                                            <div class=\"faq-item__answer-wrap\" id=\"faq-panel-2\" role=\"region\"\n                                                                    aria-labelledby=\"faq-trigger-2\"\n                                >\n                            <div class=\"faq-item__answer wysiwyg\">\n                                                                    <p><span style=\"font-weight: 400\">La perte d\u2019exploitation couvre les revenus perdus et les frais fixes qui continuent de courir si un sinistre force la fermeture temporaire de votre commerce. Loyer, salaires, charges fixes\u00a0: ces d\u00e9penses ne s\u2019arr\u00eatent pas parce que votre commerce est ferm\u00e9.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Cette protection s\u2019applique \u00e0 la suite d\u2019un sinistre couvert, comme un incendie ou un d\u00e9g\u00e2t d\u2019eau important. La dur\u00e9e et le montant de l\u2019indemnisation varient selon les conditions de votre contrat. Pour un commerce \u00e0 fort achalandage, cette protection peut faire la diff\u00e9rence entre une reprise rapide et une fermeture d\u00e9finitive.<\/span><\/p>\n                                \n                                \n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                            \n                \n                <div class=\"faq__item faq-item anim anim-fade-up\" data-faq-item>\n                                            <h4 class=\"faq-item__question title-s\">\n                            <button class=\"faq-item__trigger\" type=\"button\" id=\"faq-trigger-3\"\n                                    aria-expanded=\"false\" aria-controls=\"faq-panel-3\">\n                                <span>Ai-je besoin d\u2019une assurance diff\u00e9rente si je vends des produits en ligne ou aux \u00c9tats-Unis?<\/span>\n\n                                <svg class=\"faq-item__icon\" aria-hidden=\"true\" width=\"15\" height=\"8\">\n                                    <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                <\/svg>\n                            <\/button>\n                        <\/h4>\n                    \n                                            <div class=\"faq-item__answer-wrap\" id=\"faq-panel-3\" role=\"region\"\n                                                                    aria-labelledby=\"faq-trigger-3\"\n                                >\n                            <div class=\"faq-item__answer wysiwyg\">\n                                                                    <p><span style=\"font-weight: 400\">Ce n\u2019est pas n\u00e9cessairement une police s\u00e9par\u00e9e, mais votre couverture actuelle doit \u00eatre ajust\u00e9e. La vente en ligne peut modifier votre exposition en responsabilit\u00e9 civile, notamment si vous exp\u00e9diez des produits hors Qu\u00e9bec. La vente aux \u00c9tats-Unis vous expose au syst\u00e8me juridique am\u00e9ricain. Les r\u00e9clamations peuvent y \u00eatre beaucoup plus \u00e9lev\u00e9es qu\u2019au Canada.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Dans les deux cas, avisez votre courtier de tout changement dans vos activit\u00e9s. Une activit\u00e9 non d\u00e9clar\u00e9e peut cr\u00e9er des angles morts dans votre couverture. Un courtier \u00e9value votre situation et s\u2019assure que votre police couvre l\u2019ensemble de vos activit\u00e9s.<\/span><\/p>\n                                \n                                \n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                            \n                \n                <div class=\"faq__item faq-item anim anim-fade-up\" data-faq-item>\n                                            <h4 class=\"faq-item__question title-s\">\n                            <button class=\"faq-item__trigger\" type=\"button\" id=\"faq-trigger-4\"\n                                    aria-expanded=\"false\" aria-controls=\"faq-panel-4\">\n                                <span>Pourquoi faire affaire avec un courtier pour mon assurance commerce?<\/span>\n\n                                <svg class=\"faq-item__icon\" aria-hidden=\"true\" width=\"15\" height=\"8\">\n                                    <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                <\/svg>\n                            <\/button>\n                        <\/h4>\n                    \n                                            <div class=\"faq-item__answer-wrap\" id=\"faq-panel-4\" role=\"region\"\n                                                                    aria-labelledby=\"faq-trigger-4\"\n                                >\n                            <div class=\"faq-item__answer wysiwyg\">\n                                                                    <p><span style=\"font-weight: 400\">Un courtier ne repr\u00e9sente pas un seul assureur. Il compare plusieurs produits du march\u00e9 pour trouver la couverture la mieux adapt\u00e9e \u00e0 votre type de commerce, \u00e0 votre inventaire et \u00e0 vos activit\u00e9s. Dans le secteur des commerces et d\u00e9taillants, les besoins varient beaucoup d\u2019un \u00e9tablissement \u00e0 l\u2019autre.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Un courtier sp\u00e9cialis\u00e9 conna\u00eet les risques propres \u00e0 votre secteur. Il identifie les angles morts, vous aide \u00e0 \u00e9viter la sous-assurance et vous accompagne en cas de sinistre. Chez La Turquoise, nos courtiers en assurance entreprise sont disponibles pour analyser votre situation et vous proposer une couverture adapt\u00e9e \u00e0 votre r\u00e9alit\u00e9 d\u2019affaires.<\/span><\/p>\n                                \n                                \n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                    <\/div>\n    <\/section>\n\n    <section class=\"personal-articles container reveal\">\n        <div class=\"personal-articles__header anim anim-fade-left\">\n            <div class=\"personal-articles__content\">\n                                    <h2 class=\"personal-articles__title title-l\">\n                        Des conseils pratiques pour la vie de tous les jours                    <\/h2>\n                \n                \n                <a href=\"https:\/\/laturquoise.ca\/fr\/blogue\/\" class=\"personal-articles__link btn btn--white-outlined-green\" aria-label=\"Voir tous nos conseils\"><span>Voir tous nos conseils<\/span><\/a>            <\/div>\n\n            <div class=\"personal-articles__nav\" aria-label=\"Navigation du carrousel d\u2019articles\">\n                <button class=\"personal-articles__arrow personal-articles__arrow--prev swiper-button-prev\"\n                        type=\"button\" aria-label=\"Article pr\u00e9c\u00e9dent\">\n                    <svg class=\"personal-articles__arrow-icon\" aria-hidden=\"true\" width=\"25\" height=\"22\">\n                        <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-left\"\/>\n                    <\/svg>\n                <\/button>\n\n                <button class=\"personal-articles__arrow personal-articles__arrow--next swiper-button-next\"\n                        type=\"button\" aria-label=\"Article suivant\">\n                    <svg 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loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2285589250-1024x683.jpg\" class=\"img-cover\" alt=\"Vue a\u00e9rienne d\u2019une exploitation agricole au Qu\u00e9bec \u00e0 l\u2019automne, illustrant la planification des prochaines \u00e9tapes et la pr\u00e9paration de la prochaine saison.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2285589250-1024x683.jpg 1024w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2285589250-300x200.jpg 300w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2285589250-768x512.jpg 768w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2285589250.jpg 1254w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" title=\"Vue a\u00e9rienne d\u2019une exploitation agricole au Qu\u00e9bec \u00e0 l\u2019automne, illustrant la planification des prochaines \u00e9tapes et la pr\u00e9paration de la prochaine saison.\" \/>    <\/div>\n\n    <div class=\"post-card__body\">\n                    <ul class=\"post-card__tags\" aria-label=\"Cat\u00e9gories\">\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/conseils-pratiques\/\">\n                            Conseils pratiques                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/couvertures-expliquees\/\">\n                            Couvertures expliqu\u00e9es                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/entreprises\/\">\n                            Entreprises                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/entreprises-agricoles\/\">\n                            Entreprises agricoles                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/la-turquoise\/\">\n                            La Turquoise                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/protections-expliquees\/\">\n                            Protections expliqu\u00e9es                        <\/a>\n                    <\/li>\n                            <\/ul>\n        \n        <h3 class=\"post-card__title title-m\">\n            Fin de saison agricole        <\/h3>\n\n        <div class=\"post-card__bottom\">\n            <div class=\"post-card__meta\">\n                <time class=\"post-card__date\" datetime=\"2026-08-24\">\n                    08\/24\/2026                <\/time>\n\n                                    <span class=\"post-card__meta-sep\" aria-hidden=\"true\"><\/span>\n                    <span class=\"post-card__read-time\">\n                        7 min                    <\/span>\n                            <\/div>\n\n                            <span class=\"post-card__arrow\" aria-hidden=\"true\">\n                    <svg class=\"post-card__arrow-icon\" aria-hidden=\"true\" width=\"21\" height=\"18\">\n                        <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-more\"\/>\n                    <\/svg>\n                <\/span>\n                    <\/div>\n    <\/div>\n<\/article>                        <\/li>\n                                            \n                        <li class=\"personal-articles__slide swiper-slide\">\n                            \n<article class=\"post-card\">\n    <a class=\"post-card__overlay-link\"\n       href=\"https:\/\/www.laturquoise.ca\/fr\/cyberattaques-en-pme-risques-et-assurance-cyber\/\"\n       aria-label=\"Lire l\u2019article : Cyberattaques en PME : comprendre les risques et le r\u00f4le de l\u2019assurance cyber\"><\/a>\n\n    <div class=\"post-card__media\">\n        \n        <img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2220462827-1024x683.jpg\" class=\"img-cover\" alt=\"Employ\u00e9e analysant un \u00e9cran d\u2019ordinateur dans un contexte de cybers\u00e9curit\u00e9 en entreprise.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2220462827-1024x683.jpg 1024w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2220462827-300x200.jpg 300w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2220462827-768x513.jpg 768w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2220462827.jpg 1254w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" title=\"Employ\u00e9e analysant un \u00e9cran d\u2019ordinateur dans un contexte de cybers\u00e9curit\u00e9 en entreprise.\" \/>    <\/div>\n\n    <div class=\"post-card__body\">\n                    <ul class=\"post-card__tags\" aria-label=\"Cat\u00e9gories\">\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/conseils-generaux\/\">\n                            Conseils g\u00e9n\u00e9raux                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/conseils-pratiques\/\">\n                            Conseils pratiques                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/couvertures-expliquees\/\">\n                            Couvertures expliqu\u00e9es                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/cybersecurite\/\">\n                            Cybers\u00e9curit\u00e9                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/entreprises\/\">\n                            Entreprises                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/la-turquoise\/\">\n                            La Turquoise                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/protections-expliquees\/\">\n                            Protections expliqu\u00e9es                        <\/a>\n                    <\/li>\n                            <\/ul>\n        \n        <h3 class=\"post-card__title title-m\">\n            Cyberattaques en PME : comprendre les risques et le r\u00f4le de l\u2019assurance cyber        <\/h3>\n\n        <div class=\"post-card__bottom\">\n            <div class=\"post-card__meta\">\n                <time class=\"post-card__date\" datetime=\"2026-08-23\">\n                    08\/23\/2026                <\/time>\n\n                                    <span class=\"post-card__meta-sep\" aria-hidden=\"true\"><\/span>\n                    <span class=\"post-card__read-time\">\n                        10 min                    <\/span>\n                            <\/div>\n\n                            <span class=\"post-card__arrow\" aria-hidden=\"true\">\n                    <svg class=\"post-card__arrow-icon\" aria-hidden=\"true\" width=\"21\" height=\"18\">\n                        <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-more\"\/>\n                    <\/svg>\n                <\/span>\n                    <\/div>\n    <\/div>\n<\/article>                        <\/li>\n                                            \n                        <li class=\"personal-articles__slide swiper-slide\">\n                            \n<article class=\"post-card\">\n    <a class=\"post-card__overlay-link\"\n       href=\"https:\/\/www.laturquoise.ca\/fr\/courtier-en-assurance-de-dommages-role-conseils-et-avantage\/\"\n       aria-label=\"Lire l\u2019article : Courtier en assurance de dommages au Qu\u00e9bec : r\u00f4le, avantages et diff\u00e9rences avec un assureur direct\"><\/a>\n\n    <div class=\"post-card__media\">\n        \n        <img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"444\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-1462696665-e1787589260808-1024x444.jpg\" class=\"img-cover\" alt=\"Courti\u00e8re pr\u00e9sentant des documents d&#039;assurance \u00e0 un client lors d&#039;une rencontre de consultation.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-1462696665-e1787589260808-1024x444.jpg 1024w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-1462696665-e1787589260808-300x130.jpg 300w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-1462696665-e1787589260808-768x333.jpg 768w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-1462696665-e1787589260808.jpg 1252w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" title=\"Courti\u00e8re pr\u00e9sentant des documents d&#039;assurance \u00e0 un client lors d&#039;une rencontre de consultation.\" \/>    <\/div>\n\n    <div class=\"post-card__body\">\n                    <ul class=\"post-card__tags\" aria-label=\"Cat\u00e9gories\">\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/automobile\/\">\n                            Automobile                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/conseils-generaux\/\">\n                            Conseils g\u00e9n\u00e9raux                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/cybersecurite\/\">\n                            Cybers\u00e9curit\u00e9                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/entreprises\/\">\n                            Entreprises                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/habitation\/\">\n                            Habitation                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/la-turquoise\/\">\n                            La Turquoise                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/particuliers\/\">\n                            Particuliers                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/vehicules-recreatifs-et-de-loisirs\/\">\n                            V\u00e9hicules r\u00e9cr\u00e9atifs et de loisirs                        <\/a>\n                    <\/li>\n                            <\/ul>\n        \n        <h3 class=\"post-card__title title-m\">\n            Courtier en assurance de dommages au Qu\u00e9bec : r\u00f4le, avantages et diff\u00e9rences avec un assureur direct        <\/h3>\n\n        <div class=\"post-card__bottom\">\n            <div class=\"post-card__meta\">\n                <time class=\"post-card__date\" datetime=\"2026-08-23\">\n                    08\/23\/2026                <\/time>\n\n                                    <span class=\"post-card__meta-sep\" aria-hidden=\"true\"><\/span>\n                    <span class=\"post-card__read-time\">\n                        4 min                    <\/span>\n                            <\/div>\n\n                            <span class=\"post-card__arrow\" aria-hidden=\"true\">\n                    <svg class=\"post-card__arrow-icon\" aria-hidden=\"true\" width=\"21\" height=\"18\">\n                        <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-more\"\/>\n                    <\/svg>\n                <\/span>\n                    <\/div>\n    <\/div>\n<\/article>                        <\/li>\n                                            \n                        <li class=\"personal-articles__slide swiper-slide\">\n                            \n<article class=\"post-card\">\n    <a class=\"post-card__overlay-link\"\n       href=\"https:\/\/www.laturquoise.ca\/fr\/batir-sa-carriere-en-assurance-de-dommages\/\"\n       aria-label=\"Lire l\u2019article : Les possibilit\u00e9s de carri\u00e8re en assurance de dommages\"><\/a>\n\n    <div class=\"post-card__media\">\n        \n        <img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"478\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Gestionnaires_FemmeNoire_HommeCaucasien-scaled-e1787345013408-1024x478.jpg\" class=\"img-cover\" alt=\"Deux coll\u00e8gues \u00e9changent devant un ordinateur lors d&#039;une journ\u00e9e de travail. La collaboration est au c\u0153ur des carri\u00e8res en assurance au Qu\u00e9bec.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Gestionnaires_FemmeNoire_HommeCaucasien-scaled-e1787345013408-1024x478.jpg 1024w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Gestionnaires_FemmeNoire_HommeCaucasien-scaled-e1787345013408-300x140.jpg 300w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Gestionnaires_FemmeNoire_HommeCaucasien-scaled-e1787345013408-768x358.jpg 768w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Gestionnaires_FemmeNoire_HommeCaucasien-scaled-e1787345013408.jpg 1230w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" title=\"Deux coll\u00e8gues \u00e9changent devant un ordinateur lors d&#039;une journ\u00e9e de travail. La collaboration est au c\u0153ur des carri\u00e8res en assurance au Qu\u00e9bec.\" \/>    <\/div>\n\n    <div class=\"post-card__body\">\n                    <ul class=\"post-card__tags\" aria-label=\"Cat\u00e9gories\">\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/carrieres\/\">\n                            Carri\u00e8res                        <\/a>\n                    <\/li>\n                            <\/ul>\n        \n        <h3 class=\"post-card__title title-m\">\n            Les possibilit\u00e9s de carri\u00e8re en assurance de dommages        <\/h3>\n\n        <div class=\"post-card__bottom\">\n            <div class=\"post-card__meta\">\n                <time class=\"post-card__date\" datetime=\"2026-08-21\">\n                    08\/21\/2026                <\/time>\n\n                                    <span class=\"post-card__meta-sep\" aria-hidden=\"true\"><\/span>\n                    <span class=\"post-card__read-time\">\n                        5 min                    <\/span>\n                            <\/div>\n\n                            <span class=\"post-card__arrow\" aria-hidden=\"true\">\n                    <svg class=\"post-card__arrow-icon\" aria-hidden=\"true\" width=\"21\" height=\"18\">\n                        <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-more\"\/>\n                    <\/svg>\n                <\/span>\n                    <\/div>\n    <\/div>\n<\/article>                        <\/li>\n                                            \n                        <li class=\"personal-articles__slide swiper-slide\">\n                            \n<article class=\"post-card\">\n    <a class=\"post-card__overlay-link\"\n       href=\"https:\/\/www.laturquoise.ca\/fr\/lassurance-de-dommages-donner-un-sens-a-sa-carriere\/\"\n       aria-label=\"Lire l\u2019article : L\u2019assurance de dommages: donner un sens \u00e0 sa carri\u00e8re en ayant un impact concret\"><\/a>\n\n    <div class=\"post-card__media\">\n        \n        <img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"295\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Femme_Meeting-scaled-e1787325748745-1024x295.jpg\" class=\"img-cover\" alt=\"R\u00e9union d\u2019\u00e9quipe dans une salle de conf\u00e9rence lumineuse, avec plusieurs personnes en discussion autour d\u2019une table de travail.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Femme_Meeting-scaled-e1787325748745-1024x295.jpg 1024w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Femme_Meeting-scaled-e1787325748745-300x86.jpg 300w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Femme_Meeting-scaled-e1787325748745-768x221.jpg 768w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Femme_Meeting-scaled-e1787325748745-1536x443.jpg 1536w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Femme_Meeting-scaled-e1787325748745-2048x590.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" title=\"R\u00e9union d\u2019\u00e9quipe dans une salle de conf\u00e9rence lumineuse, avec plusieurs personnes en discussion autour d\u2019une table de travail.\" \/>    <\/div>\n\n    <div class=\"post-card__body\">\n                    <ul class=\"post-card__tags\" aria-label=\"Cat\u00e9gories\">\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/carrieres\/\">\n                            Carri\u00e8res                        <\/a>\n                    <\/li>\n                            <\/ul>\n        \n        <h3 class=\"post-card__title title-m\">\n            L\u2019assurance de dommages: donner un sens \u00e0 sa carri\u00e8re en ayant un impact concret        <\/h3>\n\n        <div class=\"post-card__bottom\">\n            <div class=\"post-card__meta\">\n                <time class=\"post-card__date\" datetime=\"2026-06-25\">\n                    06\/25\/2026                <\/time>\n\n                                    <span class=\"post-card__meta-sep\" aria-hidden=\"true\"><\/span>\n                    <span class=\"post-card__read-time\">\n                        5 min                    <\/span>\n                            <\/div>\n\n                            <span class=\"post-card__arrow\" aria-hidden=\"true\">\n                    <svg class=\"post-card__arrow-icon\" aria-hidden=\"true\" width=\"21\" height=\"18\">\n                        <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-more\"\/>\n                    <\/svg>\n                <\/span>\n                    <\/div>\n    <\/div>\n<\/article>                        <\/li>\n                                            \n                        <li class=\"personal-articles__slide swiper-slide\">\n                            \n<article class=\"post-card\">\n    <a class=\"post-card__overlay-link\"\n       href=\"https:\/\/www.laturquoise.ca\/fr\/entrer-dans-lassurance-de-dommages-le-vrai-parcours\/\"\n       aria-label=\"Lire l\u2019article : Entrer dans l\u2019assurance de dommages : le vrai parcours\"><\/a>\n\n    <div class=\"post-card__media\">\n        \n        <img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1588289996-1024x683.jpg\" class=\"img-cover\" alt=\"\u00c9change professionnel autour de documents dans un environnement de bureau. Illustration li\u00e9e \u00e0 l\u2019entr\u00e9e dans une carri\u00e8re en assurance de dommages au Qu\u00e9bec.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1588289996-1024x683.jpg 1024w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1588289996-300x200.jpg 300w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1588289996-768x512.jpg 768w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1588289996.jpg 1254w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" title=\"\u00c9change professionnel autour de documents dans un environnement de bureau. Illustration li\u00e9e \u00e0 l\u2019entr\u00e9e dans une carri\u00e8re en assurance de dommages au Qu\u00e9bec.\" \/>    <\/div>\n\n    <div class=\"post-card__body\">\n                    <ul class=\"post-card__tags\" aria-label=\"Cat\u00e9gories\">\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/carrieres\/\">\n                            Carri\u00e8res                        <\/a>\n                    <\/li>\n                            <\/ul>\n        \n        <h3 class=\"post-card__title title-m\">\n            Entrer dans l\u2019assurance de dommages : le vrai parcours        <\/h3>\n\n        <div class=\"post-card__bottom\">\n            <div class=\"post-card__meta\">\n                <time class=\"post-card__date\" datetime=\"2026-06-03\">\n                    06\/03\/2026                <\/time>\n\n                                    <span class=\"post-card__meta-sep\" aria-hidden=\"true\"><\/span>\n                    <span class=\"post-card__read-time\">\n                        6 min                    <\/span>\n                            <\/div>\n\n                            <span class=\"post-card__arrow\" aria-hidden=\"true\">\n                    <svg class=\"post-card__arrow-icon\" aria-hidden=\"true\" width=\"21\" height=\"18\">\n                        <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-more\"\/>\n                    <\/svg>\n                <\/span>\n                    <\/div>\n    <\/div>\n<\/article>                        <\/li>\n                                    <\/ul>\n            <\/div>\n\n            <div class=\"personal-articles__pagination swiper-pagination\"><\/div>\n        <\/div>\n    <\/section>\n    \n\n\n<section class=\"needs-cards container reveal\">\n            <div class=\"needs-cards__content wysiwyg anim anim-fade-up\">\n            <h2>Des solutions d\u2019assurance pens\u00e9es pour votre quotidien<\/h2>\n<p><span style=\"font-weight: 400\">Parce que chaque situation est diff\u00e9rente, nous proposons des protections adapt\u00e9es \u00e0 votre r\u00e9alit\u00e9, qu\u2019il s\u2019agisse de vos biens, de vos activit\u00e9s ou de votre entreprise.<\/span><\/p>\n        <\/div>\n    \n            <ul class=\"needs-cards__list\">\n                            \n                <li class=\"needs-cards__item anim anim-fade-up\">\n                    <a class=\"need-card\" href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/commerces-et-detaillants\/harnois-essence-detaillant-carburant\/\"\n                            >\n                                                    <div class=\"need-card__icon\" aria-hidden=\"true\">\n                                <img decoding=\"async\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/icone15_recadree.svg\" class=\"attachment-full size-full\" alt=\"icone15_recadree\" \/>                            <\/div>\n                        \n                        <h3 class=\"need-card__title title-m\">\n                            Harnois \u00c9nergies                        <\/h3>\n                    <\/a>\n                <\/li>\n                            \n                <li class=\"needs-cards__item anim anim-fade-up\">\n                    <a class=\"need-card\" href=\"https:\/\/www.laturquoise.ca\/fr\/entreprises\/responsabilite-civile\/\"\n                            >\n                                                    <div class=\"need-card__icon\" aria-hidden=\"true\">\n                                <img decoding=\"async\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/05\/business-needs-icon-2.svg\" class=\"attachment-full size-full\" alt=\"Responsabilit\u00e9 civile\" \/>                            <\/div>\n                        \n                        <h3 class=\"need-card__title title-m\">\n                            Responsabilit\u00e9 civile                        <\/h3>\n                    <\/a>\n                <\/li>\n                            \n                <li class=\"needs-cards__item anim anim-fade-up\">\n                    <a class=\"need-card\" href=\"https:\/\/www.laturquoise.ca\/fr\/particuliers\/\"\n                            >\n                                                    <div class=\"need-card__icon\" aria-hidden=\"true\">\n                                <img decoding=\"async\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/05\/personal-discounts-icon-2.svg\" class=\"attachment-full size-full\" alt=\"Particuliers\" \/>                            <\/div>\n                        \n                        <h3 class=\"need-card__title title-m\">\n                            Particuliers                        <\/h3>\n                    <\/a>\n                <\/li>\n                            \n                <li class=\"needs-cards__item anim anim-fade-up\">\n                    <a class=\"need-card\" href=\"https:\/\/www.laturquoise.ca\/fr\/entreprises\/\"\n                            >\n                                                    <div class=\"need-card__icon\" aria-hidden=\"true\">\n                                <img decoding=\"async\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/05\/needs-cards-icon-4.svg\" class=\"attachment-full size-full\" alt=\"Entreprises\" \/>                            <\/div>\n                        \n                        <h3 class=\"need-card__title title-m\">\n                            Entreprises                        <\/h3>\n                    <\/a>\n                <\/li>\n                    <\/ul>\n    <\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"featured_media":0,"parent":0,"menu_order":0,"template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-1476","program","type-program","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Assurance commerce et d\u00e9taillant &#8211; La Turquoise<\/title>\n<meta name=\"description\" content=\"Assurance pour commerces et d\u00e9taillants au Qu\u00e9bec. Biens, responsabilit\u00e9 civile, vol, perte d&#039;exploitation. Obtenez une soumission avec La Turquoise.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/commerces-et-detaillants\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Assurance commerce et d\u00e9taillant &#8211; La Turquoise\" \/>\n<meta property=\"og:description\" content=\"Assurance pour commerces et d\u00e9taillants au Qu\u00e9bec. Biens, responsabilit\u00e9 civile, vol, perte d&#039;exploitation. 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