Institutional Insurance

Whether you’re caring for the health of the elderly, or the future of our young, we want to help your business make a difference. Want an insurance quote and to learn more about your industry’s exposures?

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Institutional School

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Want to learn about insurance for institutions? Connect with one of our experts today to start a quote or ask questions.

Looking for some quick info? Click on one of the below topics to unpack your business insurance!

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Commercial Liability

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.

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Property Insurance

The building that houses your business is a crucial aspect of the success of your operations. Theft, vandalism, and weather are just some of the many things that can cause significant damage to your building, and the bill to repair can be even more substantial. Protecting your most important assets with an insurance policy can keep your business from a significant financial setback.

Cyber Insurance

As a business owner, it’s essential to be realistic about cybercrime risks. This coverage is necessary if your business stores sensitive client information, bank records, or other vital information on its computer systems. To protect yourself fully, you’ll want to talk to one of our advisors who can help assess your situation.

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 in place, but all that policy will cover is the cost of rebuilding your structure. What about all the income you lose because your business is now closed? Business interruption insurance protects your business from a significant financial loss.

Group Benefits

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.

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