Business insurance does not have to be a difficult procedure to obtain the right coverage.

At Expert Insurance, we will ensure that a proper review of your business is conducted so that a proper match to the right insurance products and policies gives you the coverage you want.

Business Insurance

Business Insurance can protect your property, equipment, inventory and supplies from theft, fire or even flooding and also provide liability coverage.

We have insurance for:
  • Contractors
  • Commercial Auto & Fleet
  • Manufacturing & Wholesale such as Wood-working and Warehouse
  • Professional Services
  • Building Owners
  • Real Estate Investors
  • Condominium Corporations
  • Investors
  • Retail Stores
  • Technology / IT Solutions
  • Errors and Ommissions
  • Directors/Officers Liability
  • Arborists
  • Car Washes
  • Churches
  • Consultants
  • Dry Cleaners
  • Farmers’ Market Vendors
  • Fitness Instructors
  • Greenhouses
  • Golf Courses
  • Independent Schools
  • Photography
  • Retirement Living
Equipment Insurance

This insurance will protect your equipment as it goes from one job site to another. This coverage will also protect your equipment during transit of the equipment.

Installation Floater Insurance

This type of floater insurance protects the employment labour and your materials while your work is in progress.

Tool Insurance

Tools insurance covers your hand tools and portable tools, whether they are in transit, locked in a vehicle or storage or at the job site. Each piece of equipment is covered up to $1,500.

Property & Contents Insurance

Contents Insurance provides coverage for your equipment and stock at your shop or warehouse, and office property. The equipment you use to run the day to day operations of your business are covered. Examples may include:
• Computers
• Printers
• Merchandise/stock
• Office furniture

Liability Coverage Extensions

Commercial General Liability policy covers you for bodily injury and property damage to others as a result of your business operation.

Contractors Errors and Omissions Liability Extension

Errors and omissions coverage will cover you for any claims resulting from errors made in your work.

Rip and Tear Coverage

This provides coverage for the expense involved in removal and replacement of goods or products supplied by you or the cost of remedial action where removal and replacement can be avoided.

Wrap Up Liability

Wrap Up Liability is a single insurance policy that names all participants on a project, consolidating additional liability coverage for all involved, including subcontractors. Coverage is extended usually for a period of ten years past the date of completion and will provide coverage for claims arising from construction defects.

Did you know that if you have a home-based business, your home insurance policy does not cover losses or liability. Talk to us about your specific business and we will put together a custom insurance policy.

Directors & Officers Liability Insurance

Directors and officers can be held personally liable for misuse of funds, misappropriation of funds, knowledge of illegal or improper acts, making improper loans, fraudulent acts, and transactions or decisions which are not authorized by the bylaws of the corporation.

Errors and Omissions (E&O) Insurance

There is no business that does not make a mistake at one point in time or another. If you offer a product or service, E&O Insurance will help minimize the risk and loss. Even if your business is not at fault, the costs of legal fees can be very costly and the time involved with the legal process can take months or years. Errors and Omissions Insurance gives you the financial recovery you need if a mistake causes financial loss to your client.

Commercial Auto & Transportation Insurance

There are a variety of different coverage options depending on your insurance needs. The level of coverage and the type of coverage will depend on a variety of variables such as:

  • Area in which you operate (Canada, USA)
  • Type of Cargo
  • Equipment attached to vehicles
  • Fleet Insurance
  • Long-haul transportation activities
  • Number and type of vehicles
  • Garage Policy