Commercial Insurance

We design the insurance policy to meet your business needs.

The Commercial Insurance Policy Your Business Deserves

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Business Insurance

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

A business insurance policy insures your business’ assets (including buildings, equipment, and office property, such as computers and desks), and can include third party business liability and business interruption insurance to insure your profits. Smart business owners always make business insurance a number one priority in their planning and budget, so they’re prepared for unforeseen circumstances.

The annual premium you’ll pay for business insurance will depend on the type of business you have (and 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. With so many business insurance products on the market, you should be able to find a policy that’s affordable, but doesn’t skimp on coverage where you need it.

General Liability Insurance

A general liability insurance policy is wise if you own a small or medium-sized business. 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. Having liability insurance can protect you from the costly expenses of legally liable damages that your business, product or service might cause.

Here’s what 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.

There are also some situations in which you would not protected by business liability insurance:

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

Even though challenging situations may arise, as a savvy business owner you can manage your liability risks by having commercial liability insurance.

Professional Liability Insurance

Professional Liability coverage is for people in professional fields, such as doctors, lawyers, and accountants, engineers, architects, and even Insurance Brokers too!

Commercial Property

If you have equipment and stock for your business, that is commercial property, and you require insurance for it!

Employee Benefits Insurance

One way to make your business an attractive place to work is to offer employee benefits insurance. There are many different types of insurance for employees, but the most popular by far is health insurance. Not only does health insurance signal that you care about staff well-being, it can save you money on sick pay in the long term. Healthy employees are more productive employees after all!

Even though 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 the ability to add other options such as, dental, life, and disability insurance.

An important thing to remember is to tailor employee benefits insurance to your business’ demographic. Some businesses will 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.

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Protect your Enterprise

The purpose of our service is to protect you from risks that threaten the financial health of your enterprise.

Commercial Property

Our insurance protects the future of your business and the substantial investments involved with your operations.

Commercial Liability

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


We have the perfect solution for restaurant owners. Our agent will tailor insurance coverages for your business.

Errors and Omissions

If you are a business professional, errors and omissions insurance protects you by shielding your assets, and by paying for your legal defence if a client makes a claim.

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