Your business insurance

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Fiction Facts
"I don't have enough risk in my business" Business is risky. You have more on the line than you might think. Don't risk your livelihood by not having the coverage you need.
"I’m not big enough to need it” You dont need to be a millionaire to be sued like one. Protect the income you and your employees rely on.
" I‘m sufficiently covered by my personal insurance” Your personal insurance is not enough! It does not cover your business.

The Essentials

PROPERTY

This covers your physical property including your buildings, your equipment, your materials or stock, tools, office furniture and more.

Not insuring to the full value can cost you! If you don't have the right amount of insurance, your claim payment will be reduced. And remember, there is a difference between market value and rebuild/replacement cost.

BUSINESS INTERRUPTION

Could you go without income for weeks after a claim? This coverage can replace the income on which your family and your employees‘ families rely.

CRIME

35% of private companies in Canada experience a loss due to workplace crime. This covers those types of losses.

AUTO

If you rely on vehicles, getting back on the road means getting back to business!

GENERAL LIABILITY

Your personal liability is not enough! This covers your legal bills and settlements made against you and your business.

IMPORTANT EXTRAS

EQUIPMENT BREAKDOWN

Keep your production line running! This covers sudden and accidental breakdown of electrical, mechanical and pressure equipment.

ERRORS & OMISSIONS (PROFESSIONAL LIABILITY)

General Liability is not always enough! This provides coverage for your errors in your professional service and advice, resulting in financial loss for your customer.

DIRECTORS & OFFICERS (MANAGEMENT LIABILITY)

The buck stops here! Directors and officers can be held personally responsible for their business decisions. This coverage protects you and your business.

ENVIRONMENTAL IMPAIRMENT (POLLUTION LIABILITY)

Dirty deeds aren't dirt cheap! This covers environmental remediation and clean-up expenses. Your General Liability alone won't cover this.

CYBER (PRIVACY LIABILITY)

Access Denied. Your business is responsible for any private information you keep on file. You’ll need this coverage.

BONDING (SURETY)

For when you need a stronger guarantee than just a handshake

CONTRACT BONDING

More and more, contractors are being required to provide bonding when bidding on or completing projects.

MISCELLANEOUS BONDING:

Lots of other businesses require bonding such as:

  • Court Bonds
  • Customs & Excise Bonds
  • License & Permit Bonds
  • Lost Document Bonds

Contact us to get the service and coverage that your business needs! Click here to request a quote.

More than "Just Insurance". We are a one-stop shop for more than just your insurance needs.

Employee perk! Group discounts can save your employees money off their own insurance, and it's free to you! For more details contact us at groupinsurance@staebler.com