Your business is everything to you—it’s your livelihood and your passion. We get that, and that’s why we offer tailor-made commercial insurance solutions to protect your business, your property, your employees, and everything you’ve worked so hard to create.
Our dedicated team of commercial insurance brokers will take the time to dig deep and fully understand your business and the unique challenges you face. No matter the size of your company or the industry you’re in, we’ll design a commercial insurance solution that will protect the future of your business. And because businesses evolve, and requirements change, we’ll keep in touch to make sure your hard work and dedication is always protected to the fullest.
From the basic necessities every business needs right down to industry-specific coverage, we’ll give you the peace of mind you need to focus on what you do best.
If you’re not sure what you need to get your business started, or are looking for a competitive quote for your current commercial insurance, don’t hesitate to contact us.
Commercial Property
Whether you own or manage an office building, retail outlet, industrial warehouse, residential apartment building or condo association, we’ll work with you to ensure your assets are protected.
As a building owner, consider the following coverages:
- Coverage on an “All Risk” policy form
- Loss of Rental Income, with a minimum 18 to 24-month Indemnity Period
- Liability
- Machinery Breakdown
- Blanket Glass Coverage
- Earthquake Deductible Buy Down (reduces your earthquake deductible to as low as 3%)
Commercial Liability
Whether you own or manage an office building, retail outlet, industrial warehouse, residential apartment building or condo association, we’ll work with you to ensure your assets are protected.
As a building owner, consider the following coverages:
- Coverage on an “All Risk” policy form
- Loss of Rental Income, with a minimum 18 to 24-month Indemnity Period
- Liability
- Machinery Breakdown
- Blanket Glass Coverage
- Earthquake Deductible Buy Down (reduces your earthquake deductible to as low as 3%)
Construction
Every construction project comes with varying risks, and you need an insurance program that ensures you are covered throughout the course of your evolving project. One of the most important coverages you will need is “Builders Risk” or “Course of Construction” (COC) insurance.
You may also need to consider the following coverages for your project:
- Wrap-Up Liability
- Delayed Opening Loss of Income
- Testing
- Expediting Expenses
Business Interruption Insurance
When your business is interrupted by an event like a fire or a natural disaster, Business Interruption Insurance covers the reduction in income you may incur as a result. This important coverage can also look after ongoing expenses such as rent, mortgage payments, and key personnel wages.
If your operations are disrupted, the language of your policy will determine if, and for how long, your insurance company will cover such a loss. We can help you assess which type of coverage is right for you.
Surety Bonds
It’s important to ensure that performance is guaranteed when agreements such as building contracts or legal compliance are established. Surety Bonds are tools that guarantee the obligations of individuals or corporations to another party. In construction, these are often used to guarantee compliance with an act of parliament, municipal bylaw or city ordinance.
You may need:
- Performance Bonds
- Financial Guarantee Bonds
- Maintenance Bond
- Custom and Excise Bonds
- Labour and Material Bonds
- Fiduciary Bonds
Facebook
Although the crews of View Royal Fire Rescue, Colwood Fire Department and Esquimalt Fire Fighters IAFF 4264 acted quickly, they were unable to save 3 homes in an early morning fire yesterday. Accordi...
October 10, 2019, 10:00 pm
New Hire Alert! We are pleased to announce the addition of Scott Dagnall to our team of HSM Account Executives. Scott comes to us as an experienced, seasoned insurance professional and we are excited ...
October 8, 2019, 9:43 pm
Flood Issues in Canada Even in BC, the risk of flood is an ongoing concern and increasing risk. There are growing intricacies and differences between the various flood products that insurance companie...
October 3, 2019, 10:01 pm