Liability Insurance2019-09-04T22:25:29-05:00

Liability Insurance

Liability insurance is a type of coverage that protects your business against claims resulting from bodily injury or property damage.

It helps you offset legal costs and payouts to cover yourself and your business in case of a lawsuit, regardless of your business size or industry.

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Consultant Insurance

What is Liability Insurance?

It is an insurance policy that protects business owners from losses due to unforeseen events that may occur during normal business operation such as property damage or injuries. There are many types of insurance for businesses that protect them according to their industry, size, and revenue. Some of these types include general liability insuranceerrors and omissions insurance or directors & officers insurance.

What does Consultant Insurance cover?

What does Liability Insurance cover?

It is the most general type of business insurance that covers damages to 3rd party property or bodily injuries. Depending on your specific business needs, you may require additional coverage.

Explore the following business insurance policies for specific coverage information:

Read more about general liability.

What is the cost of Consultant Insurance?

Who needs Liability Insurance?

Regardless of your business type, owning Liability Coverage is critical for the long term survival of any business and may cover the financial costs associated with unforeseen events such as a lawsuit or litigation.

Getting insurance should be seen as a normal aspect of running a business responsibly. It protects your personal assets depending on your type of incorporation, it protects your life’s work, it protects your employee’s livelihood and it protects your clients as well.

What is the cost of Consultant Insurance?

What is the cost of Liability Insurance?

The cost of an insurance policy varies according to factors such as:

  • Industry
  • Level of experience in the industry
  • Revenue
  • Area of operations
  • Previous insurance claims

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Which Small Businesses Require Liability Insurance?

Regardless of the type of business you own, having insurance is critical for almost any business including:

  • Accountants

  • Accounting Firm

  • Actuaries

  • Advertising

  • Aerial and ground based Photographers / Videographers

  • Alternative Energy

  • Architects & Engineers

  • Appraisers

  • Bookkeepers

  • Broadcasters

  • Building Designers (Bill 124)

  • Business Consultant

  • Chiropodists

  • Civil engineers

  • Collection Agencies

  • Consultants

  • Chiropractors

  • Design Firms

  • Directors and Officers

  • Employment Agencies/Recruiters

  • Engineers

  • Environmental Engineers

  • Energy Audits & Assessments

  • Financial Advisors

  • Financial Planners

  • Foreign Legal Consultants

  • Holistic Professional

  • Hotel Consultant

  • Home Inspectors

  • Human Resources (HR) Consultant

  • Immigration Consultants

  • Information Technology & Computer Consultants

  • Interior Designers

  • IT Contractor

  • IT Specialist/Technician/Programmer

  • Independent Contractor

  • Product Designers

  • Professionals Liability

  • Lawyer’s Excess Professional Liability

  • Management Consultants

  • Medical Related

  • Medical Professionals (Malpractice Insurance)

  • Medical Students (Malpractice Insurance)

  • Multimedia designers

  • Mortgage Brokers

  • Naturopaths

  • Occupational Health and Safety Consultants

  • Quality Control Consultants

  • Placement Agencies

  • Podiatrists

  • Process Servers

  • Private Investigators

  • Project Managers

  • Property Managers

  • Paralegals

  • Publishers and Printers

  • Recruitment and Employment Agency

  • Recruitment Consultants

  • Safety Engineers

  • Service Organizations

  • Solar & Wind Farm Engineers & Consultants

  • Staffing Agencies

  • Structural Engineers

  • Sub Contractor

  • Surveyors

  • Therapist Professionals

  • Training Providers/Trainers

  • Travel Agencies

  • Travel Agents, Tour operators

  • Web-Site Designers

  • Web Developers

  • Workplace Engineers & Consultants

Frequently Asked Questions about Liability Insurance

What does a general liability insurance policy cover?2019-05-10T12:27:08-05:00

A general liability policy covers legal expenses and settlements related to bodily injury or property damage to a third-party. The most common scenarios usually involve accidents and injuries: trip-and-falls are the leading cause of injury hospitalization in Canada.

How much liability insurance do I need?2019-05-10T12:29:49-05:00

Most small businesses opt for a $2M policy, but every business faces different risks so definitely work with your insurance provider to find the right policy for your business. Also, consider your budget and how much you can afford to pay in premiums as policies with more coverage usually cost more.

How is general liability insurance calculated?2019-05-10T10:33:01-05:00

General Liability Insurance costs are calculated based on a few different factors such as industry, projected revenues, and the number of years in operation. Insurance companies have collected decades’ worth of data to predict the risk associated with different industries, business sizes, and many other factors to help them calculate your yearly premium cost.

How do I get general liability insurance for my business?2019-05-10T12:28:21-05:00

Get in touch with your local insurance broker or request an online quote from a digital brokerage like Zensurance. A digital brokerage has a number of benefits over local brokers including speed, ease of use and lower costs. All insurance brokers, digital and traditional, have a fiduciary responsibility to protect your best interests and should help you find the right policy for your business.

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