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Business Insurance
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Commercial insurance protects the business that you’ve worked so hard to build. We’ve been providing customized insurance solutions to Canadian businesses of all sizes for over 30 years, ensuring that their company and assets are protected from an evolving range of risks. We support a wide range of industries, but have particular expertise with commercial/residential realty, F&B, retail, and contractors. Common insurance coverages includes property, liability, loss of income, crime (incl. cyber), and many others.
Speak to one of our commercial insurance experts today to discuss what coverages are a right fit for you and your business. The simple process starts with a discussion so we can better understand the specifics of your business. We then work with our roster of long-standing insurance partners to decide which policy and corresponding premium is the right fit for you.
A few common types of coverage include:
Business Property Coverage
Protection for loss against your contents (i.e. stock, equipment, furniture, etc).
Covers repair/replacement of lost property without deduction for depreciation.
Covers loss/damage to property caused by an earthquake.
Covers loss/damage caused by surface water damage.
Covers damage from water backed up from sewers, sumps, septic tanks or drains.
Loss of Income Coverage
Protection for loss to business income.
Covers loss of income until lost property is recovered or repaired.
Covers loss of income until your business returns to pre-loss levels.
Covers loss of rental income.
Liability Coverage
Protection if your business is found responsible for damage to 3rd party property or injury to another person.
Covers bodily injury, property damage, personal/advertising injury, medical expenses.
Covers lawsuits against board members for their wrongful acts or mismanagement.
Covers loss as a direct result of one’s professional advice.
Crime Coverage
Protection against crime from inside or outside your organization.
Covers loss due to fraudulent acts of employees.
Covers money/securities stolen on or off premises.
Covers loss due to purchases made to your business with counterfeit cash or money orders.
Covers loss due to cyber threats and exposures, i.e. cybercrime, data breaches, system interruption, etc.
