Whether you’re a small owner-operator or running a large industrial operation, our expert brokers can customize the best policy for your specific needs.

We’ll make sure your buildings, equipment, stock and liability risks are covered to ensure continuation of your business after a loss.

Typical business insurance policies provide coverage for your assets such as equipment, buildings, furniture, computers and stock. This coverage will be based on your choice of replacement cost or cash value and be subject to a deductibles range of $500 and up (the higher the deductible, the less the premium).

The policy can include liability coverage to protect you from litigation due to bodily injury or property damage you cause to other parties such as your customers, product users and your landlord. Legal defence costs are also included.

Your business may also require this additional coverage:

• Business Interruption: to ensure continued income after a fire or other peril closes your business.  Your business may have to close but you may still have to pay rent and sometimes keep key personnel; this insurance will cover these ongoing expenses
• Computer Breakdown
• Theft or disappearance of cash and employee dishonesty
• Income Protection/Business Interruption 
• Loss of valuable Papers/Accounts Receivables
• Professional Liability: to protect you from lawsuits for errors and omissions
• Directors and officers Liability
• Products Liability: if your product injures a consumer and you are sued
• Completed operations: liability coverage for your work

We specialize in insurance plans for these types of businesses:

• Restaurants
• Commercial Buildings (apartments, office buildings)
• Tour/Travel 
• Automobile Repair 
• Retail stores
• Wholesalers & Distributors
• Beauty Salons
• Offices and Professionals
• Gardeners, Landscapers
• Contractors, Tradesmen
• Construction Projects, New Home Construction
• Any other business

We can customize any policy to suit your needs. If you would like a quote for your business insurance, just give us a call and we’ll get some information from you or email you a questionnaire. We can usually provide a prompt quote. Contact Kamloops Insurance to find out more.