(416) 814-7686 quote@uibgroup.ca

(416) 814-7686 quote@uibgroup.ca

Business Insurance

Insurance for small and medium-sized retail, service and manufacturing businesses and more…

Business insurance can be tricky. Whether you're a small business just getting started or just looking for better insurance rates, United Insurance Brokers Group can help.When you have commercial insurance, you are protecting and providing coverage for your property, vehicle(s), all listed drivers and any loss or damages.

Business Owners Policy

See why businesses trust us to help them with their business insurance needs with coverage for:

• Bodily injury or property damage
• Defense costs for covered liability losses
• Business furniture and equipment

General Liability Insurance/CGL

CGL can help cover your business while performing normal operations.
Coverages include:

• Physical injury liability
• Property damage liability
• Lawsuits costs for covered losses

Professional Liability Insurance

From Personal Trainers to IT Consultants, you need Professional Liability Insurance (PL), also called Errors & Omissions (E&O) insurance.
This coverage protects you for:

• Mistakes or advice your company makes in business
• Legal defense costs
• Services completed

Commercial Auto Insurance

If the driver of a vehicle uses it for their job, work or business, you need a commercial policy.
You may need commercial coverage if:

• The vehicle is used to transport goods or people
• The vehicle is used to perform a service
• Employees drive the vehicle

Medical Malpractice Insurance

Quick, easy, comprehensive coverage for groups and individuals working as Nurse Practitioners, Physician Assistants, Nurse Anesthetists (CRNAs), Registered Nurses, Optometrists, Physical Therapists, Yoga Instructors, Personal Trainers, Nursing Students, and other medical professionals.
What's included:

• Protection against claims of negligence
• Defense counsel costs
• Professional reputation coverage

Cyber Liability Insurance

Protects businesses from computer-related attacks, such as malware, phishing, ransomware or if a laptop with confidential information on it is stolen.

Below is a list of commercial insurance coverages that businesses should have :

Commercial General Liability Coverage:

This section of a commercial insurance policy will provide coverage to protect the insured if a third-party has been injured or succumbs to their injuries, or their property is damaged. It will compensate for claims in the event of a lawsuit against the insured up to the limit of their coverage. It will also compensate for the cost of settling a claim.

Commercial Auto Coverage:

This section of a commercial insurance policy covers all listed commercial vehicles, such as cars, trucks, vans, commercial use trailers and more. It also protects your business when your vehicle(s) are involved in a collision or are stolen, vandalized or damaged, while providing funds to repair or replace your vehicle(s). Lastly, a commercial auto insurance policy covers medical-related expenses and third-party property damage.

Commercial Property Coverage:

This type of commercial insurance coverage protects your commercial business against any loss of damage, such as fire, theft, vandalism and more. It provides coverage for the physical assets inside and outside your commercial business, which includes the commercial building, inventory, electronics, equipment and tools, as well as the exterior fixtures.

Business Interruption Coverage:

This type of commercial insurance coverage covers the business owner(s) when their operations have been unexpectedly disrupted by a flood, earthquake, fire or windstorm. This will also provide protection when your commercial business needs to temporarily shut down your business operations. In addition, should you need to continue to operate your commercial business in the middle of a rebuild after a disaster, business interruption coverage will compensate for lost income and costs incurred. It should be noted that business interruption insurance also comes with various levels of coverage options such as Contingent Business Interruption, Named Perils Business Interruption and Service Interruption.

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