Ensure your security with Professionals Business Insurance today.
If your small business offers professional or creative services, provides advice or recommendations, or specializes in technical consulting, it is crucial to have adequate business insurance coverage.
Click on one of the below topics to unpack your Business Insurance:
Commercial General Liability (CGL) Insurance, commonly known as “slip-and-fall insurance,” provides essential coverage to safeguard your business against everyday risks. When a business is held liable, it is responsible for the harm suffered by someone not part of the business.
CGL offers protection in the event of third-party bodily injury or property damage that occurs at your business premises. If an accident occurs and it is determined that your negligence played a role, you could have to pay a substantial settlement amount.
Professional Liability Insurance, also called errors and omissions (E&O) insurance or malpractice insurance, protects individuals from accusations of misconduct, negligence, or failure to meet advertised service standards if a customer alleges that your professional advice or service was incorrect and they experience financial loss or damage.
The purpose of professional liability insurance is to provide coverage for your legal expenses and any financial judgments that the court may impose.
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Commercial Property insurance safeguards the property and contents of your office and covers the expenses associated with replacing them in the event of a covered loss. Your office is a physical space and a representation of your professionalism and credibility.
Therefore, ensuring that all the necessary job-specific items within your office are adequately protected is crucial. By securing these items, you can minimize downtime and quickly resume operations after experiencing a loss.
This coverage is essential if your business stores sensitive client information, bank records, or other vital information on its computer systems. As a business owner, it’s critical to be realistic about cybercrime risks. To protect yourself fully, you’ll want to talk to one of our advisors, who can help you assess your situation.
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If you own a vehicle that you or your employees use for business purposes, such as attending meetings or visiting/driving clients, having commercial auto insurance can protect you. While a personal auto policy may not be sufficient in such cases, a commercial auto policy can help ensure that you are adequately covered in the event of a claim.
Ask an advisor if you need to add business use permission to your vehicle today to prevent gaps in your coverage.
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Get a customizable health insurance plan that helps replace or fill the gaps in your provincial or workplace benefits, whether you’re looking for individual or family health insurance that best meets your needs. A Basic Plan Includes:
- Health insurance: This is usually the core benefit, covering medical expenses like hospital stays, health practitioners, and prescriptions.
- Dental insurance: This helps pay for dental treatments like cleanings, fillings, and orthodontics.
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Get a quick quote to learn about affordable health insurance options.
Your business is unique, and so are your risks.
As a consultant or professional services provider, your expertise is your livelihood. But what protects your business from unforeseen risks? The right insurance policy can provide the financial security you need to weather storms, from malpractice claims to property damage.
- Professional Liability: Protects you from claims of negligence, errors, or omissions in your services.
- Cyber Liability: Safeguards your business from data breaches, cyberattacks, and privacy violations.
- General Liability: Covers property damage, bodily injury, and personal injury claims.
The benefits of working with an Advisor.
Navigating the complex world of insurance can be daunting. An experienced insurance advisor can help you with the following:
- Identify Your Specific Needs: Assess your unique risks and recommend tailored coverage.
- Choose the Right Policy: Select the most suitable policy to protect your assets and reputation.
- Optimize Your Coverage: Ensure you have adequate coverage without overpaying.
- Manage Claims: Guide you through the claims process, minimizing stress and getting a fair resolution.
Insurance for non-profit organizations and charities.
Non-profit organizations and charities are well-known for their dedication to supporting significant causes. However, it is essential to recognize that these organizations are not immune to the potential of encountering claims or legal actions.
Non-profits and charities can be vulnerable to similar risks as for-profit businesses, including third-party physical harm or property damage.
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Find your Profession below to start the process of securing a quote:
