Every business owner should consider the benefits of having Commercial Insurance.
As careful as you might be, there are unforeseen events that can happen to every business.
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What is Commercial Insurance?
It’s a type of insurance protection designed specifically for businesses. When dealing with clients, vendors and the government, businesses are exposed to a wide range of risks including legal fees and payouts if an accident or any damages to 3rd parties may occur.
Getting commercial coverage is just another smart business decision. With the right commercial coverage, you’ll have the peace of mind of being protected from liability and that your business is covered.
Who needs Commercial Insurance?
Almost every business needs insurance protection. If any of the following statements are true, you should consider getting a commercial policy
- You have clients or suppliers visiting your office or home
- You or your employees visit clients or suppliers
- You sell a physical product
- You rent an office or commercial space
Without the right insurance coverage, your business could suffer sever financial stress due to a legal lawsuit or other unforeseen events. Small businesses are specially vulnerable.
Getting coverage will have you covered and allow you to focus stress-free on running your business.
What is the cost of Commercial Insurance?
The cost of a Commercial policy varies according to factors such as:
- Level of experience in the industry
- Number of employees
The best way to find the optimal policy at a competitive rate is to shop around.
Getting insured is quick and easy!
If commercial insurance is what you need, request a free quote now
Which Businesses Require Commercial Insurance?
Regardless of the type of business you own, commercial insurance is critical for almost any business including:
Aerial and ground based Photographers / Videographers
Architects & Engineers
Building Designers (Bill 124)
Directors and Officers
Energy Audits & Assessments
Foreign Legal Consultants
Human Resources (HR) Consultant
Information Technology & Computer Consultants
Lawyer’s Excess Professional Liability
Medical Professionals (Malpractice Insurance)
Medical Students (Malpractice Insurance)
Occupational Health and Safety Consultants
Quality Control Consultants
Publishers and Printers
Recruitment and Employment Agency
Solar & Wind Farm Engineers & Consultants
Travel Agents, Tour operators
Excess & Umbrella Liability
Common scenarios where Commercial Insurance is useful:
A client visits your site and injures themselves—they want to sue. In this case, a Commercial Insurance with Personal Injury protection would cover you.
While excavating on a client’s property, you accidentally burst a pipe. In this case, you would need a Commercial Insurance with Property Damage protection.
Your food product is contaminated and makes a customer sick. In this case, you would need Commercial Insurance with Product Liability protection.
Frequently Asked Questions about Commercial Insurance
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