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Commercial Insurance Canada


Commercial insurance is a nebulous term, covering a vast array of different needs. Here are a few examples of the types of Commercial Insurance. 
Environmental Liability 
Laws are constantly changing and adapting to new standards, asbestos for example is under a different set of laws today than when it was used for insulation. Environmental Liability is often about protecting your business amongst changing laws. Beyond changing laws environmental liability also covers issues like contractors, lease agreements and supply contracts. 
Business Interruption 
Calamity happens. A fire, frozen pipes in the winter are issues but the real threat to any business is a loss of income. Insurance can help you regrow your business by keeping income steady in the face of calamity. 
Commercial Property
This insurance protects your building, your office, your tools from loss and/or damage. Understanding the needs of businesses help you insure against this risk. 
Employment Practices Liability
It is important that all aspects of your business is protected. Being protected from the actions of your employees is essential. 
Cyber Liability
In the aftermath of the Sony Hack more and more businesses are understanding Cyber threats. From data breach to extortion cyber liability is an important aspect of any company’s commercial insurance. 
Commercial General Liability
In general commercial general liability stems from allegations of bodily injury or property damage. 
Directors’ & Officers’ Liability (D&O)
Just as a company needs insurance to cover employee liability so to do they need protection from Director and Officers liability. Mismanaging funds, discrimination, wrongful termination are a view examples of what D&O covers. 
Commercial Automobile
This is one self-explanatory, it covers insurance for commercial vehicles. 
Professional Liability (E&O)
Professional Liability covers potential injury to clients or third parties. Also includes loss of data or documents, professional negligence and protects against a claim against your professional services. 

When selecting Commercial Insurance it is important to have comprehensive coverage with local knowledgeable professionals.

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