Specialized Insurance for Businesses

Business Insurance protects your company against specific risks associated with the industry you operate, such as third-party damage and theft. ​

A comprehensive business insurance policy will typically include the following:

1. Commercial General Liability (CGL)
2. Coverage for Products
3. Completed Operations Liability​
4. Errors and Omissions Insurance
5. Coverage for Contents and Equipment​

If you are a business, there are always risks in the industry you operate, such as third-party injuries, cyber-attacks, property damage, or theft. ​

Small Business insurance will provide the coverage and protection you need should you or one of your employees be named in a lawsuit.​

Whether you operate your business out of your home, rent, lease, or own a commercial space, your business insurance will protect you and your business.

The cost of Business Insurance is not significant and varies depending on a number of factors. ​

The following factors are typically taken into consideration when determining your premium:

• Industry and Services Offered​
• Years of Experience​
• Number of Employees​
• Annual and Projected Revenue​

We have access to many different insurance providers and can therefore offer you different options to ensure the best coverage at the best price.

Situation:
During a home renovation that you are overseeing, your plumbing subcontractor installs bathroom fixtures, which start to leak overnight while the worksite is vacated. By morning, a substantial amount of water has damaged the new floors and other materials left at the site.

Outcome:
Your Commercial Liability Insurance and that of the Plumber would cover the $15,000 claim cost.

Situation:
As a business consultant, you provide specialist advice for your clients; if you were to advise a client to make an investment that turned out to cause negative financial consequences, you might be held liable.

Outcome:
Your Error and Omissions Insurance will protect you against any mistakes or errors that you make.

Situation:
As a business owner, customers come and go from your store; If a customer were to trip and fall in your store, you could be liable for the third party damages.

Outcome:
Your Commercial General Liability Insurance will protect you against a bodily harm injury that occurs on your property.