Faq

Yes. A single slip-and-fall accident or professional error claim could be financially devastating. Liability insurance is a crucial safety net for businesses of all sizes.

This depends on your industry, revenue, and risk level. We will analyze your operations to recommend a coverage limit that adequately protects your business assets.

Yes. A key benefit is that your policy helps cover the often-significant costs of legally defending your business, regardless of the lawsuit’s outcome.

Yes, your Commercial General Liability policy extends to cover the actions of your employees while they are acting within the scope of their duties.

Corporations and non-profits need D&O insurance. It protects the personal assets of directors and officers from lawsuits related to their management decisions.

Your policy covers the physical structure and your liability as the property owner. Your tenant’s policy covers their business contents, operations, and their own liability.

Yes. Business income coverage, a key part of your policy, can replace your lost rental income if a covered event like a fire occurs.

It’s the full cost to rebuild your property to its original state using current materials and labour costs, not its market or sale value.

If your building is damaged, new bylaws may require costly upgrades during repair. This essential coverage helps pay for those mandatory construction code changes.

Yes, equipment breakdown coverage can be included. This protects you from the significant cost of repairing or replacing essential building systems after a failure.

It can, as older buildings may have different risks. As brokers, we work with insurers who specialize in older properties to find you suitable coverage.

No. Home insurance typically excludes business-related liability and property. A separate business policy is essential to cover your operations, equipment, and professional risks.

A BOP is an affordable package that bundles key coverages. It typically combines General Liability and Commercial Property insurance, simplifying protection for small to medium-sized businesses.