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Commercial Insurance: Why Your Company Needs Coverage

Commercial InsuranceBuilding a business is hard work and requires a major investment of your time, money, and energy. When you have put all that into creating a company you can be proud of, the last thing you want is to lose it all to a lawsuit, an accident, or a theft. Commercial insurance exists to protect you, your company... Read more »

A Guide to Commercial Insurance Terms

Insurance tab on internet browserInsurance terms can be difficult to understand, and when it comes to protecting your business, it’s vital that you have a clear view of what your coverage entails. Getting to know the meaning behind some of the common terms used in commercial insurance is the best way to make shopping for your commercial policies simpler. These definitions provide a basic guide to the world of commercial insurance, and will help break down the complex terms of your policy... Read more »

Keeping Your Business Insurance Affordable

Insurance Savings in a Piggy BankLike any other part of running your business, you want to keep the business insurance coverage within the company’s budget. It’s important to have all the coverage you need, but it’s also important for that coverage to be affordable and keep your company’s bottom line healthy. Fortunately, there are some ways to save on commercial insurance and still get a comprehensive policy that covers all the bases... Read more »

The Extra Business Insurance Well Worth Considering

row of commercial buildings Business insurance is designed to protect every aspect of the company you have built from the ground up, and make certain a mistake or an accident doesn’t spell the end. Most business insurance policies are a package that incorporates the same basic coverage. From there, you will likely have added a few other options based on the type of business you run. Beyond the basics, there a variety of options you can consider adding to your package. Take a look at some of the options that are well worth your consideration... Read more »

The Coverage You Can Expect From a Small Business Insurance Policy

Commercial InsuranceBuilding a business is hard work and requires a major investment of your time, money, and energy. When you have put all that into creating a company you can be proud of, the last thing you want is to lose it all to a lawsuit, an accident, or a theft. Commercial insurance exists to protect you, your company... Read more »

Find Canada’s Best Commercial Insurance Rates For Your Business

Commercial Property Insurance Quotes In Canada

Welcome to InsuranceHotline.com, providing auto and commercial property insurance quotes to Canadians for over 15 years. InsuranceHotline.com allows business owners to quickly and easily get competitive business insurance quotes to help protect their most important business assets. Get connected with our network of licensed insurance professionals who can work with you to best understand your specific insurance needs and ensure you are adequately protected.

About Commercial Insurance

Owners of small, medium and large businesses are exposed to a wide variety of risks and need to ensure they’ve obtained the most comprehensive protection possible. Having the right commercial insurance policy does more than just offer peace of mind; it’s an essential part of your company’s strategy to stay competitive and protect yourself, your employees and your assets from financial ruin.

Types of Commercial Insurance:

The most common commercial insurance policies required by businesses include:

Commercial General Liability Insurance
Covers you and your business if you cause property damage or bodily injury, and includes defence costs

Tenants Legal Liability Insurance
Protects against certain damages to leased premises

Errors and Omissions Insurance
Covers you for professional mistakes that might cost your clients expenses or fines

Property coverage Insurance
Insures any property the business may own against insured perils

Construction and Bonding Insurance
Provides coverage for Final bonds, Bid bonds, Environmental bonds

Business Interruption Insurance
Helps cover lost revenue due to a physical loss or damage to assets

Crime Insurance
Insures actual money loss due to employee dishonesty

Transit Insurance
Covers property you send by land, sea or air

Why Do I Need Commercial Insurance?
Without the right business insurance coverage, your business could suffer financial ruin due to a catastrophic loss or legal lawsuit. This is especially true for small business owners who wouldn’t be able to withstand such an impact. Obtaining commercial insurance unique to your business needs will allow you to plan for the worst case scenario, maintain a successful, viable business and provide peace of mind. Review and assess your businesses needs often for complete protection of your business.

What Does Commercial Insurance Cover My Business For?
The most common facets of a commercial insurance policy include protection of your company’s Property, General Liability insurance and Business Interruption. In general, Property insurance covers you for damage to your business property, General Liability insurance covers bodily injury or damage done to others, and Business Interruption compensates for lost income due to physical loss or damage to your business assets.

For more information on Commercial Insurance Terms check out the glossary.