Office and Retail Insurance

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.

Insure your liability with Office and Retail Insurance *

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.

Office and Retail 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. However, Office and Retail Insurance would cover your loss of business income if an insured peril damaged your properties.

Crime coverage

You may consider protecting your money from crime. It could be by a hold-up, theft or dishonesty committed by your employees.

Additional Protection of Office and Retail Insurance*

And then, usually Medical payment and Tenants’ legal liability would be included with office and retail insurance.

Discounts*

• Various higher deductibles. Loss history
• Experience
• Location

*Subject to the provisions, conditions, definitions, limitations and exclusions as described in the policy wordings.

Insurance Broking

As a member of the largest independent insurance broker group, we represent major respective insurance companies in Canada. Therefore, we will find the best competitive coverage out of Office and Retail Insurance. IBC is one of them. And then, if you need help in selecting other types of insurance, we can also provide you with consistent consultation. Please let us know what your needs are. We are happy to assist you to meet your needs.