commercial insurance


Property and Liability


It is essential to have property or liability policies in place before any business goes ahead. Your business can be liable for any damage or injuries stemming from a product or service your company provided unless proper liability coverage is in effect. You could be liable for injuries resulting from slips and falls, construction defects, faulty packaging, broken seals, spoiled goods, misleading advertising, accidents, or even recently mopped floors. Liability Insurance is extremely important in light of the fact that any one of these contingencies could result in a multi-million dollar lawsuit.

Commercial property insurance is put in place to help business owners safeguard their storefronts, supplies, and business-related machinery. This means office furniture, inventories, files and computers can be replaced in the event of a fire, theft, or other mishap specifically stated in the policy. When office space is leased, the landlord is not under obligation to replace business materials should the building be destroyed. Furthermore, losses resulting from theft, vandalism, or assault are also the responsibility of the tenant.

At Golden Ears Insurance, we are committed to ensuring you get customized property and liability policies that focus on your business’s specific risk exposures. Discuss both your long term goals and immediate business property and liability insurance coverage needs with us today.







Strata
Strata corporations can include residential or commercial property, or a mixture of both. Strata coverage typically includes coverage for common areas, buildings, general liability and director's and officer's liability. Like other insurance coverage, strata insurance should be reviewed on an annual basis. Fixtures installled after completion of the original construction of the building may not be included in the original policy. At Golden Ears Insurance, we are able to provide assistance reviewing your present strata coverage.
Contractors Package
If you are in the trades, Golden Ears Insurance offers contractor’s packages that cover your equipment, your materials and your tools. Due to the very nature of the work as a contractor, there are a number of unique risks faced on a constant basis, such as transportation of supplies, equipment, along with liability and property issues. In most cases, liability is required before a project is even bid on or started.
Small Business
The size, type and structure of the business you run will determine the kind of insurance you need. Company assets and earnings can be protected by a combination of property insurance, contents insurance, vehicle insurance and business interruption insurance. To protect the business from being sued, there are a number of options, including general, product, and professional liability insurance. Protecting the people in your business is also essential - key person, partnership, disability, life and health insurance can cover not only the business itself, but your family and income as well.

Talk to us at Golden Ears Insurance to discuss the type of coverage that best suits your business situation.
Commerical Building
Commercial building insurance provides protection to the business owner against any physical damage to the commercial buildings or business property. There are three types of property coverage that you can choose – building, business personal property, and personal property belonging to others – along with a number of extra coverages depending on your industry specific needs. Examples of situations covered under commercial building insurance, include removal of debris expenses, the cost of restoring electronic data, property preservation and increased construction costs. Replacement cost coverage is needed if you own a commercial building. Accurate appraisals to determine the replacement cost of the building are essential and are best secured from a third party.

Give us a call today to discuss you specific business needs.






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