Commercial General Liability (CGL) Insurance can provide coverage for claims or legal actions made by third parties alleging harm to their body or property. For instance, if a visitor trips, falls, and sustains an injury while on your premises, CGL is intended to cover their medical expenses. Nobody wants to imagine being sued. However, accidents do happen, and if one occurs and you are found negligent, you could face a substantial settlement.

Commercial Property Insurance offers financial assistance in covering the costs of property losses or damages caused by severe weather, fire, flood, theft, or vandalism. The building that houses your business is critical to its overall success. Incidents such as theft, vandalism, and adverse weather conditions can cause substantial damage to your property, resulting in significant repair expenses. You can protect your business from a major financial setback by safeguarding your most valuable assets through an insurance policy.

Business Interruption Insurance is designed to protect against the financial impact of a property loss by providing coverage for lost net income. In addition to compensating for lost income, this type of insurance may also cover necessary overhead expenses such as rent, electricity, and employee payroll. For example, if your cafe experiences a kitchen fire and needs to close for restoration and repairs temporarily, Business Interruption Insurance would cover the income lost during the closure.

Equipment Breakdown Insurance provides coverage for repairing or replacing costly electrical or mechanical equipment damaged due to power surges, electrical shorts, or mechanical malfunctions. This type of insurance applies to various office equipment, such as computers and photocopiers, as well as the HVAC system in your building and any freezers, refrigerators, and kitchen appliances you own.

Regrettably, incidents of internal theft occur more frequently than one might anticipate. Commercial crime insurance safeguards against internal theft, fraudulent activities, and employee dishonesty. Furthermore, it provides coverage for the pilferage of funds while in transit outside your business, such as during a bank deposit. It is important to note that to avail of this coverage; you must have commercial property insurance included in your policy.

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:

• Accidental Dental
• Health Practitioners
• Hearing Aids

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