Commercial Insurance

Being active in the business community, as well as being a small business ourselves, we take the time to sincerely understand your business and you can be confident you’re getting the best insurance for your business at the best price possible. It also means you spend less time searching for insurance and more time doing what you do best — running your business. We have an unwavering commitment to creating long term relationships with both our clients and insurance company partners.

COMMERCIAL AUTOMOBILE & FLEETS

Insuring 5 or more commercial vehicles under one fleet insurance policy can be less expensive than insuring each one individually. Fleet Insurance provides the same coverage and offers some added flexibility in that company employees can drive any vehicle in the fleet, as long as each employee is licensed.

Not all Fleet policies are created equally when it comes to the cost of insuring. If you are not happy with the overall premium you are paying for your fleet then you should discuss your needs with one of our professionals. We will ensure that you are getting full coverage and taking advantage of all the savings which are available.

COMMERCIAL GENERAL LIABILITY

The chances of a business owner getting sued have dramatically increased in the last decade.  Commercial General Liability protects businesses from claims arising from alleged bodily injury, personal injury or property damage liability arising out of operations. It includes protection for civil suits arising from services rendered, products sold or operations in general including coverage for accidents occurring in and around premises owned or occupied by the Insured.

COMMERCIAL & INDUSTRIAL PROPERTY

Your business property faces many of the same risks your home does: fire, water damage and theft. But it faces different risks as well, including employee dishonesty, equipment breakdown, lost profits and business interuption expenses following a claim. You’re not only responsible for your own property — you also need to protect the personal property of employees and customers.

Business property insurance can provide coverage for all this. We do all the research, sourcing competitive quotes and making sure your business property has the best coverage at the best price possible.

ERRORS & OMISSIONS

Today we see a steady increase in the number of claims against clients delivering professional services. If you consult, or give professional advice, you should consider something more than just general liability coverage.  A professional errors and omissions policy insures you against damages from your acts, errors, or omissions in rendering professional services. If your client can prove that your error or neglect led to a financial loss, your business can be held responsible. General liability helps you in situations of bodily injury or property damage, but Errors and Omissions insurance defends you and keeps your professional reputation from being harmed in what is an increasingly litigious business world

PROFESSIONAL LIABILITY

A professional liability policy covers liability arising out of negligent acts, errors and omissions in the rendering, or failing to render, of professional services.  Such failure could have harmful consequences not only your company’s financial stability but your personal assets as well. Each policy is tailored to the needs and hazards of your particular career.

DIRECTORS & OFFICERS LIABILITY

Most Canadian corporate Directors & Officers are well aware (or are rapidly becoming aware) of the significant personal risk that service as a director or officer entails. You can protect yourself. Directors & Officers Liability Insurance protects you and your business against claims that are filed based on the actions of your company’s directors and officers while acting in their corporate role.

SURETY & MISCELLANEOUS BONDING

Surety bonding is essentially an agreement between three parties whereby one party guarantees that another party will perform the work that is stated in contract to the best of his/her ability. It is a guarantee that the owner of a job will receive the quality and completion of work that he/she anticipates. Depending on what type of business you are in, you may be required (by law) to obtain bonding before you can start work. For those of you who are not required to seek bonding, you may decide that the benefits of obtaining it are well worth the hassle.

SPORTS & FITNESS

Sports organizations and health clubs owe it to their players, instructors, participants and others (like volunteers) to make sure that their operations are properly insured and that there is adequate protection against a variety of potential risks for everyone involved. All these organizations should have an insurance program that provides medical coverage for its participants, and general liability insurance to protect against the financial burden of litigation.