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To be liable mean simply that you are found to be legally responsible. If you are liable for injury to someone or found responsible for damage to another’s property, you can be sued for damages. No one likes to imagine being sued. But accidents happen, and if one does occur and you’re deemed negligent, you could find yourself with a hefty settlement. This type of insurance is essential for business owners because it helps protect them from financial losses that may occur due to a lawsuit. Liability automatically comes with your business insurance, but reviewing your coverage with an advisor to ensure you’re appropriately protected is essential.
While Canada may not be known for outrageous personal liability settlements, the cost of these claims is rising. A five-million-dollar case may have been rare ten years ago, but not so much anymore. With inflation on the rise, the compensatory awards awarded to plaintiffs are also increasing. Keep in mind no lawsuit is a quick fix. Some take years for the court to settle, which all adds to the bottom line.
Building & Contents
Protecting your physical assets, such as buildings, contents, stock, equipment, and computers, is essential. Your products and inventory are your primary source of income. If a fire were to damage your inventory, not only would your income stream come to a halt, but the cost to replace these items could set your business back financially.
Crime insurance is a necessary evil for businesses of all sizes. Not only do criminals often target businesses with valuable assets, but also businesses with high-risk activities. This means that businesses that do business in dangerous or risky environments are at risk for both criminal damage and business loss. In order to protect your business, you need to have crime insurance in place.
If you’re the victim of an employee robbery or theft, this coverage will cover your lost money, securities and other property. If you’re not sure whether you need crime insurance or if you’re not sure how it would benefit your business, it’s best to speak with an insurance advisor. An advisor can help you understand the risks and benefits of crime insurance and provide you with a tailored plan for your business.
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Every business, regardless of size, should have a Group Benefits plan. It benefits your employees to get coverage at a reduced cost compared to most personal plans. Help reduce financial stress if something happens to protect your employee’s and their family’s health.