The first step is to enter your province in the box on the left, and click on the "Compare" button. Your province will enable us to determine in which Canadian province you're located and to redirect you to the appropriate partner.
The second step is to complete our partner's form, which will begin by asking for your business contact information and other business information that is necessary to obtain business insurance quotes.
The third step is to answer questions about the type of coverage you're looking for and the business assets you wish to insure.
The fourth and final step is to add any specific requests you have and to submit your request. Once your application has been submitted, all you have to do is wait to receive the quotes.
Insurers are very competitive with each other. It's therefore advantageous to obtain quotes from several companies or to find an insurance broker who'll do it for you. If you have a company vehicle, bundling your insurance could possibly save you money. While shopping, do not hesitate to ask if an insurer offers discounts to your professional association, if you belong to one.
The deductible is the amount you'll need to pay in the event of a claim. Normally, by increasing your deductible, you'll lower your premium. You'll have to pay a little more when making a claim, but this strategy can pay off very well if you don't make a lot of claims.
Having coverage tailored to the real risks facing your business will ensure that you pay an amount proportional to your actual needs. You can always modify the contract as your business evolves over time. Remember, the higher the coverage amount, the higher your premium will be.
Every company has its particularities and some insurers are more comfortable with certain types of businesses. Some insurers specialize in the agricultural market while others target retail businesses. It's simply a matter of finding which insurer specializes in your niche, so discussing it with an insurance broker could be a good way to identify the right insurers.
Errors and Omissions (E&O) insurance is a type of business insurance that protects businesses and professionals from financial loss due to negligence,
While some companies in Canada may still rely on employees' personal cars for work purposes, other businesses buy or lease company cars.
Commercial property insurance is a type of business insurance that covers commercial property from losses caused by natural disasters, theft, and fire.
In the event that you're self-employed and work from home, your residential insurance may cover a portion of your professional property, but there's generally a limit of around $2,000 specified in the contract. You are not required to take out insurance, but in the event of a claim affecting your equipment (such as your desk, computer, stationery, books, etc.), that limit may not be sufficient to replace the damaged goods. Don't forget that the liability coverage provided in your residential insurance contract only covers risks related to your personal use of your residence; you'll therefore have no protection in the event of loss of income. In short, you're not required to have insurance, but it's up to you to assess the potential losses that a loss could cause you and then see if the costs associated with business insurance are worth it.
Since business insurance is tailored to your needs, it's not necessarily included in this type of policy. On the other hand, if you wish to have insurance against internal theft, some insurers can offer it to you. Be sure to confirm with your agent or broker whether you can benefit from this coverage, but be realistic about your expectations; every claim has a direct influence on your premiums. This coverage is attractive in the case of a major loss, but making a small claim may not be worth it. To avoid the temptation to claim for petty theft, you could opt for a higher deductible.
* Authorization: I authorize ClicAssure to collect and transmit my personal information to certain of its business partners who may be interested in sending me an insurance quote. I also authorize ClicAssure and these same partners to contact me by e-mail, text message, telephone or mail to follow up on my request for insurance quotes or to allow me to finalize my request for quotes.
If I accept the insurance offer from one of ClicAssure's business partners, I also authorize the latter to inform ClicAssure in order to update my file. I also consent that the assignees or successors of the business or assets of ClicAssure may use and disclose my personal information for purposes similar to those described in this authorization.
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