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Small to Mid-Size Business Insurance

Small to Mid-Size Business Insurance

Small to Mid-Size Business Insurance

As a business owner, you’re responsible for making important decisions every day. Those decisions impact the direction you take and the money you make and of course; either directly or indirectly; your decisions have an impact on the lives of others. You plan and plan and plan but there are unforeseen events that you cannot plan for. That's where a quality business insurance policy comes into play. A well-designed business insurance plan will provide the peace of mind that you need so that you can focus your energy on building your brand.

What is Business Insurance?

Business insurance is a product that protects your business from unforeseen, insurable events. Examples include but are not limited to:
  • Commercial Automobile Insurance. Covers vehicles that are primarily used for business purposes. Not unlike personal car insurance, this policy covers property damage, physical damage, liability and injury.
  • Commercial Property Insurance. Provides coverage for buildings, equipment, stock and other property in the event of fire, theft, vandalism, water damage or other insured losses.
  • Commercial Liability Insurance. Protects your business from possible litigation issues concerning, personal injury, lawsuits and other damages.
  • Cyber Insurance. Offers insurance coverage in event of a hacking, virus, extortion, or other digital mistakes. 
  • Errors and Omissions Insurance. Professionals dispense advice and so this coverage provides protection in the event that you are negligent or make mistakes or in the event of an error or omission as you consult with clients.
  • Small Business Insurance.  Provides insurance solutions for small business or home business. Typically, policies can be customized to meet the needs of a small business. 

Do I need Business Insurance?

Although business insurance is not mandated by law, we don’t think it’s prudent to go without because the benefits of having insurance far outweigh the potential cost. This becomes especially true when you consider what a claim can do to your business.  Best case scenario, an uninsured claim can cost a lot of money.  Worst case, a claim can bankrupt you.
Consider these examples: 
  • Your business partner is injured - does your business have the financial means to cover payments to him and his family for 1 year?  3 years?  5 years?  Life?
  • What if your business was robbed, would you have the cash on hand to absorb the loss?
  • What if a customer was injured on your property, can you afford to settle.  The cost could be minimal or substantial.  Either way, the payouts could financially harm the company.
  • What if you have a water damage claim that destroys your stock and equipment.  How do you replace the inventory and all your business equipment?
  • What if there was a fire and you lost everything.  How do you financially absorb this?
There are but a few examples of situations that could financially harm you.  A small investment in the premium could protect you and your firm. Did you know that we can set you up on a convenient monthly payment plan which makes the payments that much more affordable?

How much is Business Insurance?

The price for business insurance varies and is dependent on many factors. Everything from the size of your business, type of business, location, experience including years in operation, projected sales, alarm and sprinkler systems and the like, will impact your insurance premium.  In some cases, we can set up a policy for as little as $600 per year. 

What does Business Insurance Cover?

Depending on your business exposures, we'll set up a policy to address your needs.  Remember, you’re the expert in your business but we know insurance.  So, all you have to do is email or call us and one of our licensed insurance advisors will be happy to assist you! You can request a quote online or call us toll-free at 1-888-777-6977.

Business Insurance, how do I get a quote and sign up?

The easiest way to access business insurance is by requesting a quote through Ensurco. We have partnerships with dozens of the top insurance providers in Canada. Having access to their rates will enable us to provide you with the best possible policy, at an incredible price. At Ensurco, we understand how important your business is to you.  We also know that you know your business but you may not know insurance and so, if you're not sure what you need - give us a call, and one of our licensed insurance advisors will guide you every step of the way! We'll answer any of your questions, and help you narrow down your options to find exactly what you need.  You can request a quote online or call us toll-free at 1-888-777-6977.
 
At Ensurco, our goal is to take care of your needs, while you take care of your business!
 
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  • Rasoul K.

    What our clients say

    After talking to many different insurance companies, I spoke to Ensurco New Business Team. They returned my call quickly, provided the best rate and helped me set up a home insurance policy within an hour. Great service!

    Rasoul K.
  • Edward L.

    What our clients say

    I recently sent Ensurco an email requesting changes to my auto policy. I got a quick response. All the changes were completed in a timely manner and I received a detailed email with my billing schedule attached.

    Edward L.
  • Maria L.

    What our clients say

    Amazing staff to deal with. Very fast and efficient. My broker explained the difference between condo insurance and condo corporation insurance.  Thank you!

    Maria L.
  • Michelle B.

    What our clients say

    I was in a time crunch to get an auto application done on a Friday afternoon as I was picking up a new car. I called my customer service rep at Ensurco and she was able to get me a quote, provide an application and even send confirmation to my dealer with a liability slip. Keep up the good work.

    Michelle B.
  • Kelly S.

    What our clients say

    As a high risk driver, I was looking for a good rate as well as good coverage. I spoke to an Ensurco broker who helped me set up a 6 month policy so that I can eventually move to a regular market at less premium. You guys came through when no one else cared.  Thank you so much for your help. :)

    Kelly S.
  • Mark C.

    What our clients say

    When my son and I decided to travel to Calgary for a week, I called my broker at Ensurco who was able to provide me with great coverage at a really good price. I got my travel documents by email within 10 minutes. Exceptional timing!

    Mark C.
  • Don S.

    What our clients say

    Claims service! Most people dread talking to an insurance company or broker to report a claim. But I recently called my insurance broker at Ensurco about a possible water damage claim. He was able to guide me through the process.  The decision was mine as to whether or not I would proceed with the claim.  If so, he explained that he could connect me directly with the insurance company adjuster and resolve the issue. Great advice and great service.  Thanks Ensurco!

    Don S.