Commercial Insurance

Commercial Insurance

We design the insurance policy to meet your business needs.

Choose the Commercial Insurance Policy Your Business Deserves

When you select the correct insurance policy for your business you protect the hard work you invested to establish and grow your enterprise. It deserves to be protected from risks that may include physical damage to commercial property, operational errors, legal liability or other threats to the ongoing financial health of your commercial centre, restaurant or business service property. Our expert King Insurance agents guide you to your best insurance options.

As a business owner, it’s important to mitigate any risk of unexpected losses that can devastate you financially. Losses such as theft, fire, explosions, accidents, and acts of nature may be out of your control, but your small business insurance policy will protect you from their costly consequences.

A business insurance policy insures the assets of your business including: buildings, equipment, and office property, such as computers and desks. It can also include third party business liability and business interruption insurance to insure your profits. To be prepared for unforeseen circumstances, smart business owners make business insurance a number one priority when they plan and budget.

Your annual premium for business insurance will depend on the type of business you have. What you pay is also determined by how risky your business type is, your gross revenue, the location, and the types and limits of coverage you require.

It’s best to take out a business insurance package that gives you full coverage, rather than part-cover or insurance for an amount less than your business is worth. King Insurance agents can help you select a policy that’s affordable, but doesn’t skimp on coverage where you need it, for when you need it most.

Commercial General Liability (CGL) Insurance

A Commercial General Liability is the most important coverage for your business, if you own a small or medium-sized business. It can protect you from the costly expenses of legally liable damages that your business, product or service might cause. Anyone who uses your products or services, or who comes into contact with you or your employees, can decide to file a claim or lawsuit against your business.

Here’s what Commercial General Liability Insurance for small businesses covers:

  • Claims involving bodily injury or property damage resulting from accidents on your premises, or from your products, operations, or advertising for your business
  • Expenses relating to out-of-court settlements, litigation, and judgments awarded by courts that you are legally liable for
  • Medical expenses in case of injury to a third party
  • Savvy landlords and important clients may require you to show them your proof of insurance. They would not rent their premises out to you, or do business with you, if you’re unable to provide them with proof of insurance.

Some situations in which you would not be protected by Commercial General Liability insurance:

  • Employees sustaining injuries from being hurt on the job
  • Assault caused by an employee
  • Automobile accidents
  • Punitive damages

When challenging situations arise, a savvy business owner can be prepared to manage their liability risks by carrying Commercial General Liability insurance.

Professional Liability Insurance

Also known as Errors and Omissions Insurance, Professional Liability Insurance coverage is for people in professional fields. These include: lawyers, accountants, engineers, architects, business consultants, computer and technology consultants, life insurance agents, and even Insurance Brokers!

Commercial Property Insurance

Do you have equipment and inventory on your business premises or to help you operate your services? Then you have what is termed commercial property, and you should insure it. Your commercial property could also include the building in which you operate (if you own it), the improvements inside your premises, such as flooring and lighting, and your business income.

Employee Benefits Insurance

You compete in the marketplace for good employees as well as sales, so one way to help your business attract and retain great staff is to offer employee benefits insurance. Of the different types of insurance choices for employees, the most popular is health insurance. When you offer a health insurance policy you signal that you care about your staff’s well-being. It can save you money on sick pay in the long term and after all, healthy employees who feel cared for are happier and more productive employees!

While health insurance isn’t legally required, many small and medium-sized businesses set up a group health insurance plan simply because it’s the most important benefit an employer can offer. Group health insurance plans can also give wider access to specialized care than individual plans. Plus, they enable the addition of other options such as dental plans, life insurance, and disability insurance.

King Insurance Services helps you tailor your employee benefits insurance to your specific business demographic. Some businesses do ask employees for contributions to health insurance premiums. Not only does this help with sharing the cost, it avoids an abuse of the system and a spike in employee claim payments.

Protect your Enterprise

King Insurance Services protect the financial health of your enterprise from risks that threaten it.

Commercial Property

Protect the substantial investments involved with your operations and the future of your business.

Commercial Liability

This insurance policy will cover the costs of your legal liability and will pay on your behalf for your insured losses.


Restaurant owners have a varied menu of solutions for insurance coverage and King Insurance agents can help pair the perfect one to your business.

Errors and Omissions

Be protected as a business professional with errors and omissions insurance that shields your assets, and pays your legal defense if a client makes a claim.

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