There’s no business like your business.

Commercial property:

• Make sure your building, signage, and business contents are all covered.
• Protect against common risks like fire, theft, vandalism, and storm damage.
• Add business interruption insurance to cover lost income if you’re forced to close temporarily.
• Don’t forget to insure equipment, inventory, and anything critical to daily operations.

Small business owners:

• Make sure your space, equipment, and inventory are protected—whether you rent or own.
• Protect against risks like fire, theft, liability claims, and equipment breakdown.
• Add business interruption coverage so you’re covered if you have to pause operations.

Contractors:

• Make sure your tools, equipment, and vehicles are insured—on and off the job site.
• Ensure you have appropriate workers’ protection through your provincial government.
• Consider installation coverage for materials waiting to be installed or in transit.
• If you have employees or subcontractors, ensure they have proper liability..

Cyber risks:

• Make sure you’re covered for data breaches, ransomware, and other cyberattacks.
• Protect sensitive customer and employee information—from financial data to health records.
• Look for coverage that helps with recovery costs like legal fees, notification expenses, and system restoration.
• Don’t forget business interruption—cyberattacks can shut you down just like a fire or flood.

Restaurants:

• Make sure your building, kitchen equipment, and food inventory are all properly covered.
• Protect against risks like fire, food spoilage, equipment breakdown, and liability claims.
• Add business interruption insurance to cover lost income if you have to close temporarily.