PROTECT YOUR BUSINESS,
PROTECT YOUR FUTURE.
Get the coverage you need with our commercial insurance options.
If you're in the market for commercial insurance, whether you're just beginning your search, ready to buy a policy, or reviewing your existing coverage, we're here to lend a hand.
Our aim is straightforward: to provide you with the information you need to make an informed decision about the commercial insurance coverage that best fits your business.
We Have Coverage Options
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Commercial Auto
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Contractor
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Business Owner
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Landscaping
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Salon/Shop
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Retail / Restaurant
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Commercial Real Estate / Investor
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Employee Life / Retirement Plan
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HOA
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Farm
Commercial Auto:
As a business owner, your vehicles are critical to your daily operations. Whether it's delivering goods, transporting employees, making deliveries, or transportation services, your vehicles are an essential part of your business. That's why it's important to protect them with a commercial auto policy.
Commercial auto policies provide liability coverage. Accidents can happen at any time, and if one of your business vehicles is involved, it could result in costly damages and legal fees. Commercial auto insurance can help cover the costs of property damage and bodily injury if your business is found liable for an accident.
Your business vehicles are a significant investment. Commercial auto insurance can help protect them from damage, theft, or loss, ensuring that you can continue to operate your business.
If you have employees who drive your business vehicles, you need to ensure that they are protected while on the job. Commercial auto insurance can help cover expenses if they are injured in an accident while driving a business vehicle.
Commercial Contractors:
As a commercial contractor, you face a unique set of risks and challenges that come with running a business. From workplace injuries to property damage, unexpected events can have serious financial consequences.
It’s vital to protect your assets - you've worked hard to build your business and acquire the equipment and tools needed to run your operation. Insurance can help protect your property in the event of theft, damage, or loss, ensuring your business can continue to operate.
As a commercial contractor, you're responsible for the safety of your employees and the public. Liability insurance can help protect you from costly lawsuits and claims resulting from accidents or damages that occur as a result of your business operations.
Many clients and projects require contractors to have certain types and levels of insurance coverage before they can qualify for the job. Having adequate coverage ensures you don't miss out on opportunities because of insufficient coverage.
As a contractor, you will need to have the following types of insurance:
Bond - Required by law
General Liability Policy - Required by law
Tools and Equipment Coverage - protects your assets
Commercial Auto Policy - protects your assets
Business Owners:
As a business owner, you put in a lot of hard work to make your venture a success. However, no matter how carefully you plan and execute, there are always risks and uncertainties that can affect your business. That's why it's essential to protect your investment with business insurance.
As a business owner, here are examples of the types of insurance you would need to carry to protect yourself, your assets, and your livelihood:
General Liability Policy
Property Coverage for owned spaces
Property Coverage for all contents
Rental Liability Coverage
Employee Liability Coverage
Cyber Liability Coverage
Retail / Restaurant:
Running a retail store or restaurant involves managing multiple risks, from potential property damage to employee injuries and liability claims. Without the right insurance coverage, these risks can quickly turn into costly setbacks that can negatively impact your business.
Your business property is a significant investment, and damage to your property can be costly to repair or replace. From damaged inventory to spoiled food, retail or restaurant insurance provides coverage for property damage caused by fire, theft, or other unforeseen events.
Whether it's a slip and fall accident or a foodborne illness outbreak, customers can hold your business responsible for their injuries or losses. Retail or restaurant insurance also provides coverage for liability claims, including legal fees, settlements, and judgments.
Disasters or other unforeseen events can cause business interruptions, leading to lost revenue and increased expenses. Insurance provides coverage for business interruptions, including loss of income and extra expenses incurred during the interruption.
As an owner, here are examples of the types of insurance you would need to carry to protect your business:
General Liability
Spoilage Coverage
Property Coverage
Commercial Real Estate / Real Estate Investors:
Commercial real estate is a significant investment, and protecting it is essential for any business owner. Whether you own an office building, warehouse, or retail space, commercial real estate insurance provides coverage for potential losses, ensuring that your investment is secure.
Commercial real estate insurance provides coverage for your property in case of damage caused by fire, natural disasters, or other unforeseen events. This coverage ensures that your property is protected and can be repaired or replaced without significant financial losses.
As a property owner, you're responsible for ensuring that your property is safe for tenants and visitors. Commercial real estate insurance provides coverage for liability claims, including legal fees, settlements, and judgments, resulting from accidents or injuries that occur on your property.
Disasters or other unforeseen events can cause business interruptions, leading to lost revenue and increased expenses. Commercial real estate insurance provides coverage for business interruptions, including loss of income and extra expenses incurred during the interruption.
When investing in Real Estate, here are examples of the types of insurance you would need to carry to protect yourself and your assets:
Landlord Policy
Director and Officers Coverage
Building coverage
Course of Construction Coverage
Vacant Property Coverage
Airbnb/Short-Term Rental Coverage
Salon/Shop:
As a hair stylist, you know the importance of making your clients look and feel their best. But while you focus on providing exceptional service, it's crucial to protect your business with the right insurance coverage.
Hair salons are exposed to a variety of risks, such as fires, theft, and water damage. With salon insurance, you can protect your business against these risks and safeguard your assets, including your equipment, tools, furniture, and supplies (colours, chemicals, products, etc.).
Accidents can happen, and if a client is injured on your property or during a service, you could be held liable for medical expenses and other damages. Salon insurance provides coverage for liability claims, including bodily injury and property damage, protecting you from the financial impact of a lawsuit.
As a hair stylist, you provide services that could potentially cause harm to your clients, such as chemical treatments or haircuts gone wrong. Professional liability insurance, also known as errors and omissions insurance, provides coverage for claims related to professional negligence or mistakes.
As a salon owner, you will need to have the following types of insurance:
General and Professional Liability
Property Coverage
Employee Life Insurance/Retirement Plan:
Offering retirement plans to your employees is a great way to attract and retain top talent, as well as demonstrate your commitment to their long-term financial security. Employees are more likely to stay with a company that offers retirement plans, as they value the opportunity to save for their future.
Offering retirement plans can provide tax advantages for both your business and your employees. Contributions made to a retirement plan can be tax-deductible for your business, while employees can enjoy tax-deferred growth on their savings until retirement.
Offering retirement plans can give your business a competitive advantage in the job market. It shows that you care about your employees' long-term financial security and are committed to investing in their future and financial wellbeing.
Home Owners Associations:
As a homeowners association, you play an important role in managing and maintaining your community. While you work hard to keep your community safe and secure, unexpected events can happen that are beyond your control. That's where homeowners association insurance comes in.
Homeowners association insurance can provide protection for your community against unexpected events such as natural disasters, theft, and vandalism. With the right insurance coverage, you can help ensure that your community can recover from these events and continue to thrive.
HOA insurance can also provide liability protection for your board members, volunteers, and employees. If someone is injured on your property, you could be held liable. Liability insurance can help cover the costs of legal fees, medical bills, and other expenses associated with a liability claim.
Homeowners association insurance can be tailored to meet the specific needs of your community. You can choose coverage options that make sense for your community, such as coverage for common areas, amenities, and equipment.
As an HOA, here are some of the coverage options you will want to ensure you are properly covered:
Building Coverage
Property Coverage
Earthquake Coverage
Employee Dishonesty
Directors and Officers Coverage
Landscapers:
As a landscaper, you work hard to create beautiful outdoor spaces for your clients. However, your work also involves risks, such as accidental damage to property or injury to your employees.
Landscaping insurance can provide protection for your business against unexpected events, such as theft, fire, or natural disasters.
Landscaping insurance can also provide liability protection for your business. If you accidentally damage a client's property or a passerby is injured on your job site, you could be held liable. Liability insurance can help cover the costs of legal fees, medical bills, and other expenses associated with a liability claim.
Insurance can be tailored to meet the specific needs of your business. You can choose coverage options that make sense for your business, such as coverage for equipment, tools, and vehicles.
As a lanscaper, you will need to have the following types of insurance:
Bond - Required by law
General Liability Policy - Required by law
Tools and Equipment Coverage - protects your assets
Commercial Auto Policy - protects your assets