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Business insurance is the only way to ensure you're fully protected
You've worked hard to build your business, but without the right insurance your business is left vulnerable to risk. InsuranceHotline.com facilitates commercial insurance for a variety of businesses and industries, including:
No two businesses are the same. Your insurance shouldn't be either
Get the right commercial insurance for your business needs
With InsuranceHotline.com, its not just about finding you a great price for your business insurance, but also about ensuring you get the coverage you need.Our partners are licensed commercial insurance experts that understand the unique needs and challenges of todays growing businesses.Our service helps you feel informed and empowered by your insurance decisions. A growing business ourselves, we understand how important these choices are when it comes to protecting the very thing we put our heart, soul, money and energy into on a daily basis.
With the right business insurance, youre left with peace of mind knowing that youre protected from liability and that your business is covered. Well connect you with brokers who take a thorough, thoughtful and tailored approach to your business insurance.
Its just another smart business decision. Get started on your quote today to ensure your business has all its insurance needs covered.
Types of Business Insurance
Today's business owners have so many choices when it comes to protecting their property, employees and services. These are some of the most common types of commercial business insurance available today.
Property Coverage Insurance
Insures any property the business may own against insured perils
Business Interruption Insurance
Helps cover lost revenue due to a physical loss or damage to assets
Errors and Omissions Insurance
Covers you for professional mistakes that might cost your clients expenses or fines
Tenants Legal Liability Insurance
Protects against certain damages to leased premises
Construction and Bonding Insurance
Provides coverage for Final bonds, Bid bonds and Environmental bonds
Insures actual money loss due to employee dishonesty
Property in Transit Insurance
Covers property you send by land, sea or air
Commercial Car Insurance
Covers vehicles used for business purposes
Find the best commercial insurance for your business
Why compare commercial insurance rates?
Better coverage. Owners of small, medium and large businesses are exposed to a wide variety of risks and need to ensure theyve obtained the most comprehensive protection possible. It's not just about getting a great rate, but great coverage too.
Better business. Having the right commercial insurance policy does more than just offer peace of mind. Its an essential part of your companys strategy to stay competitive and protect yourself, your employees and your assets from financial loss.
Better rates. The right business insurance means you can focus more on what matters most: your products, clients, employees and customers. With so many insurers competing for your business, you're a quick quote away from joining thousands of Canadian business owners in savings.
Frequently asked business insurance questions
These are some of the most common questions we get about business insurance and commercial property insurance.
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:
- Property insurance: covers you for damage to your business property;
- General Liability Insurance: covers bodily injury or damage done to others; and
- Business Interruption Insurance: compensates for lost income due to physical loss or damage to your business assets.
There are many additional coverages you can get to suit your unique business needs. Speaking with your insurance representative will help determine what type of business insurance is right for you. For more information on Commercial Insurance Terms check out the glossary.
How do I know what type of business insurance I need?
Every business has its own challenges and insurance needs. After you've completed your quote, you'll be connected with a licensed insurance professional who can help determine exactly what protection your business needs. Your insurance rep will conduct a thorough risk assessment and help you lock in the best coverage at the best price.
How much does commercial insurance cost?
It depends on a number of variables, such as:
- The type(s) of coverage you need
- What discounts you're eligible for
- Your commercial insurance claims history
- The claims experience of the company you purchase your policy from
- If you're bundling your policy with other insurance policies, such as business auto insurance