Skip to content

Business Insurance

Keep your business on an upwards trajectory.

Get a Quote

Business Insurance

Keep your business on an upwards trajectory.

Get a Quote

Ensure a Bright Future for Your Business

As a business owner, you’ve already put a considerable amount of time, effort, and resources into building your business. While you may have taken steps to mitigate potential risks, there are unforeseen circumstances that can wreak havoc on your business.

Business insurance helps you protect your livelihood and helps you cover costs associated with property damage, liability, and potential legal fees. Not only does insurance provide financial security, but it can also instill confidence in your customers, suppliers, and employees.

Having business insurance allows you to focus on growing your business without the fear of a potential disaster wiping out your business. Invest in a comprehensive business insurance plan today.

Why Does Your Business Need Insurance Protection?

Businesses thrive by taking risks, but some risks can cripple a company if not adequately managed. From accidents and storms to lawsuits and property damage, your organization can be ready to absorb the shockwaves with an effective commercial insurance policy.

Business insurance is not just an option, but a vital investment for any company aiming for long-term prosperity. Start learning how to navigate the unpredictable sea of commerce with confidence, knowing you have a sturdy safety net.

Why Choose Caldwell Roach Insurance?

  • Local Expertise, Personal Touch: Our roots run deep in the Maritime soil. Our agents are not just insurance experts; they’re your neighbors, familiar with the challenges and joys of Maritime living. They’re here to provide tailored advice, ensuring your coverage meets your individual needs.
  • 24/7 Claims Service: Open 8am-6pm, Monday-Friday. Our after-hours claims services are here for you when you need it most. We understand that questions and concerns don’t have a schedule, and neither does our commitment to you.
  • Claims Process: Fair, Fast, Focused on You: The claims process should be transparent, efficient, and above all, compassionate. We work tirelessly to ensure that your claims are handled swiftly and with the utmost care, so you can focus on what truly matters—rebuilding and moving forward.

Business Insurance Solutions You Can Count On

Navigating the complex world of insurance can be daunting, which is why it’s essential to work with a knowledgeable insurance broker from Caldwell Roach Insurance. Our brokers help you identify potential risks and recommend coverage options that best suit your business’s unique needs and budget.

Moreover, our brokers can help you understand the terms, conditions, and coverage exclusions that you may not be aware of. In short, when it comes to purchasing business insurance, our experienced and friendly brokers can help you make sense of the complexities and ensure peace of mind for your business.

What Does Business Insurance Cover?

Insurance coverage options for businesses are vast and varied. Below we cover some of the main types of business insurance.

Commercial General Liability Insurance

CGL insurance covers you if someone gets injured on your property, your product or service harms someone, or your operations damage someone else’s property. Think of it as an all-purpose shield against everyday mishaps.

Commercial Property Insurance

Whether you own or rent your business space, this coverage protects your buildings, equipment, and inventory from disasters like fire, theft, or weather events.

Professional Liability Insurance (PLI)

Also called Errors & Omissions insurance, PLI protects you against mistakes or negligence in your professional services. Think of it as a safety net for your expertise.

Additional Business Insurance Coverage

Cyber Liability Insurance

In today’s digital world, data breaches and cyberattacks are real threats. This coverage helps mitigate the financial fallout of such incidents.

Commercial Auto Insurance

If your business uses vehicles, commercial auto insurance is essential for accidents and damage, keeping your vehicles protected, on and off the road.

Product Liability Insurance

If your products cause harm to a third-party, product liability insurance covers legal fees and potential payouts. It also protects your brand reputation.

Workers' Compensation Insurance

This mandatory coverage kicks in if employees get injured on the job, providing them with medical care and lost wages. It protects both your employees and your business from financial strain.

Business Insurance FAQs

In the Maritime provinces, where businesses range from quaint local shops to bustling enterprises, essential coverages include Commercial Property Insurance, General Liability Insurance, and Business Interruption Insurance. Specific industries may also require Professional Liability Insurance, Cyber Liability Insurance, or Commercial Auto Insurance, depending on their operational needs and the unique risks of the Atlantic business landscape.

Businesses can work with our insurance brokers who have expertise in the regional market and the specific industries prevalent in the Maritime provinces. Conducting a thorough risk assessment to identify potential exposures and customizing insurance coverage to address both general business risks and specialized industry-specific risks is crucial. It’s also important to regularly review and update your insurance policy to reflect any changes in your business operations or risk landscape.

Yes, many insurance providers offer the option to bundle different types of business insurance policies. Bundling can benefit your business by providing comprehensive coverage at a reduced cost compared to purchasing each policy separately. It also simplifies the management of your insurance portfolio and can make the claims process more straightforward.

It’s advisable to review and update your business insurance coverage at least annually, or whenever there are significant changes in your business operations, such as expansion, introduction of new products or services, or changes in ownership or key personnel. Regular reviews ensure that your coverage remains aligned with your current business needs and protects against evolving risks.

In the event of a loss or damage, businesses should promptly notify their insurance provider and document the incident comprehensively, including photographs of the damage and a detailed inventory of losses. It’s important to keep all receipts and records of expenses incurred due to the damage. Working closely with the insurance adjuster, understanding the terms of the policy, and seeking the assistance of a claims professional, if necessary, can help ensure a smooth and efficient claims process. Regular communication with the insurer and broker and maintaining detailed records will also aid in resolving the claim satisfactorily.

Get a Quote Now!

Contact us today for a fast, accurate insurance quote.

Get a Quote