Commercial Insurance

If you are a business owner/operator or rental property owner, you may be interested in the insurance products we have to offer. 


Our Custom Commercial Insurance Packages Include:

  • Office
  • Retail
  • Contractors
  • Residential Rental
  • Church
  • Bed and Breakfast
  • Weekly Rental (Year 'Round)
  • Winery

These package policies include:

  • Broad form building/contents coverage
  • Building by-law and code compliance coverage
  • Personal property of officers, employees, volunteers and visitors
  • Growing plants, trees, shrubs or flowers in the open
  • Brands and labels
  • Loss of business income coverage
  • Basic crime coverage
  • Computers included as equipment
  • Peak season stock increase
  • Debris removal
  • Newly acquired property coverage
  • Power fluctuation

Optional coverage additions and upgrades such as enhanced crime, enhanced business interruption, sewer back up and equipment breakdown coverage are available as well as many others.

Also included are the following extensions of coverage, subject to a stated limit:

  • Pollution damage at insured premises
  • Data
  • Media
  • Building damage by theft
  • Stock spoilage
  • Glass and signs
  • Off premises stock and equipment
  • Valuable papers and records
  • Accounts receivable
  • Extra expense
  • Professional fees
  • Fire department expenses
  • Master key
  • Leasehold interest
  • Contingent loss of income
  • Off premises utilities interruption

If your business does not fit into these designated packages, a tailor-made policy can be written to meet your specific needs.