Business insurance

If you drive for work, you’ll likely need commercial coverage for your vehicle, equipment and some extra liability. Our commercial policies are available on an individual (1-4) or fleet (5+ Vehicles) basis and you can customize coverage by adding conviction protection, accident forgiveness, rental car coverage and enhanced accident benefits.

You can save even more when you combine your commercial auto and business insurance with the same insurance company.

A commercial insurance package is the “one-stop” solution for all your business insurance needs. Our comprehensive packages provide coverage for your property, stock, business interruption, equipment breakdown and commercial general liability and much more. Combine your retail policy with a commercial auto policy for additional savings.

The tools of your trade are your tools, your skills and your reputation as a professional. Our contractor products include all the standard features of our commercial packages with enhanced coverage for your tools & equipment at your facility and in transit, business income protection, and extended liability insurance including installation, completed work, and injury to visitor or customers at your premises.

Combine your retail policy with a commercial auto policy for additional savings.

Your clients trust you with their cars, trucks and toys which makes you responsible when something goes wrong. Our policies are flexible, covering repair, restoration, detailing and sales. Garage liability will cover you for loss or damage and liability from the work you perform on your customer’s vehicles.

If you are in business you have a liability exposure. Our Commercial General Liability policies are available on a stand-alone basis or as part of our commercial insurance package. All policies include coverage for legal fees to defend you if you are sued and protection for payments you have to make if you are found legally liable.

You manufacture something unique which means you need insurance that is unique, not complicated. Our manufacturer products include all the standard features of our commercial packages with enhanced coverage for your assets at your facility and in transit, business income protection, and extended liability insurance including errors & omissions, product recall and cyber liability coverage.

Combine your manufacturing policy with a commercial auto policy for additional savings.

From yacht manufacturing, harbour tours, tug and barge to cargo import and export, marine insurance is as unique as the companies that operate in the marine industry. Our specialized knowledge enables us to design a marine insurance solution that integrates with your commercial insurance program for maximum protection.

You work hard to deliver an experience for your customers, one that keeps them coming back. Our restaurant policies protect your investments in your space, equipment and stock. Coverage is available for loss of your loss of income when accidents happen.

Commercial general liability and umbrella liability are extended to include food and host liquor liability. Combine your restaurant policy with a commercial auto policy for additional savings

Keeping you open for business is the priority of our retail insurers. With a retail package policy, you will have coverage for your property, stock, business interruption, equipment breakdown and commercial general liability. Combine your retail policy with a commercial auto policy for additional savings.

Not every business operates in a “standard” business environment. Our specialty products provide general liability, professional liability and kidnap & ransom insurance to companies that specialize in high risk operations both domestic and international.

Providing or coordinating transportation services is a challenging environment. Our understanding the unique challenges of load brokers, freight forwarders, importers, exporters and transportation providers allows us to negotiate a better package for your growing enterprise.

Sometimes you just need more protection. Our package polices provide great liability limits at a great price, but there are times when you want that extra coverage. Umbrella liability can extend the liability on all your policies from $1million to $25million.

Good of others in your care. Our warehousing insurance program cover professionals taking care of property in transit, storage or just in time inventory management. Coverage includes legal fees, liability including replacement cost and all risk storage & transit.