Commercial Property Insurance

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What is Commercial Property Insurance?

Commercial Property Insurance is a type of policy that protects buildings which are used in the course of some type of business. It can be a contractor that uses their building as an office and storage or it can be a landlord who owns a strip plaza that has a variety of occupancy.

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What Does Commercial Property Insurance Cover?

At a minimum commercial property insurance should cover the building as well as the legal liability of the owner.

Building coverages should include things like fire, windstorm and hail as well as other perils.

Liability coverage should cover the owner in the event someone becomes injured on the premises as result of negligence of the owner.

Other coverages and limitations may apply

What is usually excluded Under a Commercial Property Insurance Policy?

Common exclusions can include repair and maintenance – such as having a leaky roof because it is old. Other typical exclusions could include pollution events, and injury to owners or their employees.

Other exclusions exist under commercial property insurance and it is best to talk to a Licensed Broker about your unique property.

What Kind of Commercial Properties Do We Cover?

Typically commercial properties we may be able to provide coverage on include buildings which are occupied by:

  • Stores
  • Restaurants
  • Mix of residential and commercial tenants
  • Occupied by offices
  • Occupied by contractors

Resources

Why Contractors in Ontario Should Do This One Thing

As a contractor you probably work hard for your stuff, and let’s face it tools and equipment can get expensive. Many contractor insurance polices may not even cover you for tools or equipment, and tools can quickly depreciate in value especially after a few years of good use, so how much really can they be worth? That… Read More »

What kind of insurance does my bar in Toronto need?

As Toronto grows, so do the various industries supporting it. The hospitality and entertainment industry is clearly no exception. Nightclubs, bars, lounges and resto-lounges each provide a unique experience and have been popping up across Toronto. Neighborhoods in Toronto like Queen Street, Dundas, Ossington and Roncesvalles have seen a surge in these types of establishments,… Read More »