In-depth, easy-to-understand articles on what insurance coverages Canadian small businesses and startups in any industry need to consider.
All small businesses in Canada face some level of liability risk – even home-based, online, or one-person businesses. Without liability insurance, you may have to pay for losses, damages, or legal defence costs, settlements, and court-awarded damages out of pocket.
When you apply for business insurance in Canada, insurers often ask about your company’s annual and projected revenue. Here’s why they need this information, how to figure out your numbers, and why it’s important to be accurate.
Chainsaws. Heights. Heavy equipment. Tree work isn’t low-risk and neither are the financial consequences. Arborists and tree care professionals do dangerous work. Don’t go out on a limb and offer your services without insurance. Here’s what every tree care business owner should know before stepping onto a job site.
If you use your vehicle for work in Canada, you need commercial auto insurance. Personal auto insurance usually won’t cover accidents that happen during business use. Learn the key differences, legal requirements, and how to get the right commercial vehicle insurance coverage for your business.
Consumer lawsuits against Canadian online sellers and e-commerce businesses are common (and expensive). If you sell online – even part-time – it’s vital to understand how to protect your business and finances from customer lawsuits and other liability risks.
What happens if materials are damaged or stolen before you install them? If you transport or store materials on a job site before installation, installation floater insurance can protect your job profit from theft, damage, or loss anywhere in Canada.
Learn what a certificate of insurance (COI) is, why Canadian clients require it, and how small business owners, contractors, and independent professionals in Canada can get a COI fast – often within 24 hours.
House cleaners provide an essential service to Canadian households, but even small accidents can lead to costly claims. Here’s the insurance coverage professional house cleaners in Canada need to protect their businesses and income.
If your business rents or leases vehicles, or if employees use their own cars for work, hired and non-owned commercial auto insurance can help protect your business from costly accidents and liability claims. Here’s what Canadian business owners need to know.
A deductible is the amount your small business pays out of pocket when you file an insurance claim. Understanding how deductibles work can help you lower premiums, avoid surprises, and choose the right coverage.