|"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 don't 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.|
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.
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. CLICK HERE to learn more.
35% of private companies in Canada experience a loss due to workplace crime. This covers those types of losses.
If you rely on vehicles, getting back on the road means getting back to business!
Your personal liability is not enough! This covers your legal bills and settlements made against you and your business.
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 help 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.
For when you need a stronger guarantee than just a handshake
More and more, contractors are being required to provide bonding when bidding on or completing projects.
Lots of other businesses require bonding such as:
- Court Bonds
- Customs & Excise Bonds
- License & Permit Bonds
- Lost Document Bonds