Each office or retail operation has specific risks that should be transferred out through office and retail insurance. Whether you are an owner or lessee of the premises, you have specific protection need from perils or litigations that you may imagine or those beyond your imagination.
That is why we have a wide range of office and retail insurance products that fit with your office needs or retail operations. Whether you provide goods or services, at store front or online, we find the best coverage to manage your risk.
Commercial general liability at designated premises only without completed operations, or owners, landlords and tenants liability are available in order to save your cost.
It depends on your operations, your may require broad coverage such as commercial or comprehensive general liability insurance, or just premises only liability would be good enough. Owners’ Landlords and Tenants Liability insurance may be available. In these days, $2 million limit is the minimum standard.
Business properties *
In addition to liability insurance, commercial property coverage may be required. Business properties are your equipments, betterments and improvements, stocks, buildings and others, so called contents of every description (COED).
Loss of Business Income
When you lose the use of your business space, you suffer an additional loss of your business income. Repairs or replacement to your property or space takes some time to recover the business income. Your loss of business income would be covered if your properties were damaged by an insured peril.
You may consider protecting your money from crime. It could be by a hold-up, theft or dishonesty committed by your employees.
Usually Medical payment and Tenants’ legal liability would be included with office and retail insurance.
- Various higher deductibles. Loss history
*Subject to the provisions, conditions, definitions, limitations and exclusions as described in the policy wordings.
As a member of the largest independent insurance broker group, we represent major respective insurance companies in Canada. We will find best coverage with competitive edge. Please let us know what your needs are. We are happy to assist you to meet your needs.