Coverage That Fires On All Cylinders
When you’re running a business, you are constantly juggling different responsibilities, putting out fires left and right, and always keeping your clients front of mind. It can be a lot. With the right insurance in place, you can alleviate some stress knowing that your employees, assets, and reputation are protected.
Let’s protect what matters most to you.
Products & Coverages
Commercial Auto
You may have one work truck, a whole fleet of vehicles, or are simply driving your personal vehicle to and from jobs. If this the case, you’ll want to keep these assets insured so that you aren’t left without a ride.
Commercial Auto Liability
When you’re driving all over town delivering parts the risk of causing damage to property, or causing bodily injury to others is increased. Although in Saskatchewan your plates cover you for a minimum amount of liability, having a commercial auto policy with increased third party liability limits will ensure that your business is financially protected.
Physical Damage
Your vehicle, is the vessel your clients trust you to transport their parts with. In the event that it is damaged in a claim, your plate insurance may limit the benefits you receive. Replacement Cost coverage, Deductible Buy Down, Loss of Use, and Excess Limits are all options when building a custom commercial auto policy.
Stock
As a retailer, your stock is one of your most important assets. Without it your business would just be a building with nothing to offer. Make sure your number one revenue generator is insured.
Business Interruption
When most people think of insurance, they think about physical assets like their buildings and equipment. If a substantial loss occurs, like a fire burning down your building, it’s great that you have property insurance, but all that policy is going to cover is the cost to rebuild your building. What about all the income you’re losing because your business is now closed? Business interruption insurance is an absolute must when it comes to protecting your business from a significant financial loss.
Crime Insurance
This insurance is designed to protect your business from theft and employee dishonesty. While it’s an unfortunate situation to think about, it can happen. Rather than just hoping it doesn’t happen, it’s a good idea to have a policy in place so that your business isn’t significantly impacted by a loss.
General Commercial Liability
In the event that you are named in a lawsuit, a Commercial General Liability policy will cover costs such as defense expenses, even in the event that you are not held liable. Don’t let a lawsuit be the undoing of all your hard work. Accidents happen, and if one occurs – having a general commercial liability policy is essential.
Cyber Insurance
If your business stores sensitive client information, bank records, or any other vital information on its computer systems, then this coverage is essential. As a business owner, it’s important to be realistic about the risk cybercrime poses. To protect yourself fully, you’ll want to talk to one of our advisors who can help assess your situation and make appropriate coverage recommendations.
Connect with our team of experienced advisors so we can help analyze your risks and match you with the best protection options for your unique needs.
Group Benefits
Most business owners agree, their employees are the lifeblood of their business, which makes the attraction, retention, and most of all the well-being of your employees a top priority. Employee group benefits are an effective way of making sure the hardworking talent you attracted not only continues to work, but continues to work for you!
Already have a plan in place? It may just be time for a review. Let our experienced team help make sure your plan is competitive and running smoothly.
Book your free review today.