Business Insurance

Protection for your most important assetts.

A great business succeeds for many reasons, and one of them is their ability to keep their operating costs as low as possible. That allows them the ability to create new products, hire more staff and expand their marketing department. It all starts with saving a few dollars.

Property & liability

insurance

Business insurance

Safeguard Your Business With The Right Business Insurance Property insurance provides protection for physical assets such as buildings and their contents, equipment and stock, property in transit, as well as business interruption coverage. Liability insurance covers you for bodily injury, property damage, personal injury to third parties and other risks that can arise from your business operations.

Equipment breakdown

You already have insurance to protect your business. But is it complete? Your commercial property policy covers the electrical, mechanical and other equipment used in your business against loss or damage due to fire, theft and other events. But your property policy likely doesn’t cover a far more common problem – sudden, accidental equipment breakdown. A breakdown could shut down your operations. Today, most businesses use some form of electrical, electronic, mechanical or pressure equipment. Think about the impact on your business if your telephone system or cash registers were to break down. What if there was a problem with your heating and air-conditioning unit, refrigerator, or electrical panel? Without equipment breakdown insurance, your business is at risk of absorbing the full impact of costly repairs, replacement and lost income.

Directors and officers liability

Directors and officers are accountable for the organizations they oversee. They are required to act in good faith and in the best interest of the organization – whether it’s a non-profit or for-profit enterprise. Talk to a Cheapest Auto Insurance broker today about coverage for directors and officers liability.

Privacy breach & cyber liability

A privacy breach can include the loss, theft or unauthorized access to or use of personal customer or employee information. With our cyber endorsement, we help you get back to business in the event you are targeted with coverage for remediation expenses as well as business interruption loss coverage. Privacy Breach & Cyber Liability claims are becoming ever more common in today’s on-line world. Don’t think it can happen to you? It’s not just large internet companies that are subject to attack from hackers resulting in loss to your business or your clients. Talk to a Cheapest Auto Insurance Broker today to understand your risk.

Commercial business insurance

From a small startup to large corporations, every dollar counts. Never overpay for your business insurance again.

Insurance by profession

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Errors & omissions: Professionals in private practice and companies that provide professional services to clients are held to high standards of duty and accountability. Your business may be liable if a client claims financial loss due to an error or omission on your part, or that of an employee. Errors and omissions liability insurance offers coverage beyond the scope of a general liability policy. Talk to a Value Insurance Broker today.
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Professional liability: If you work in the health services or personal-care field, you need the right business insurance to protect yourself against claims related to your delivery of professional services.

Comprehensive Insurance Coverage

GET INSURANCE COVERAGE BUILT FOR YOUR BUSINESS
Whether you’re a general contractor, sub-contractor or construction tradesperson, Value Insurance offers policies to help protect you, your employees, your building materials and your equipment – on the job, in the shop and anywhere in between.

Commercial & residential realty

As a building owner or property manager, you have a lot to take care of – especially in a competitive real estate market. Enjoy peace of mind and confidence knowing your assets are protected with realty insurance from the Cheapest Auto Insurance. Select a comprehensive package or choose specific options based on your needs. No matter what you choose, you’ll get the right protection for your business.

Farming insurance

Farm Liability (or Agricultural Liability) is insurance for farming businesses that provides coverage for the unique risks associated with rural business operations, farming buildings, farming property, farming machinery, animals and people working on or visiting farmland. If an accident occurs on a piece of farmland or a piece of property is damaged because of farming operations then the property owner can be responsible. As farming operations can be quite technical and dangerous, it is important to make sure that all aspects of the operation are covered properly in case of accident or breakdown.

Hospitality

Liability for Physical Damage to Non-Owned Automobiles, such as a rented vehicle. Also known as OPCF 27, provides a transfer of coverage on your current automobile policy with a specified limit along with the applicable deductible to a rental vehicle. Valid in Canada or the United States.

Home based business

Many Ontarians operate businesses from their homes. What you may not know is how this affects your home insurance. If employees or clients are coming into the home for business purposes, you may not be covered under your standard home insurance policy for liability.

You need to protect the things that help you run your business every day: furniture, equipment, computers, software, mobile phone, inventory and other property.

Manufacturing & wholesaling

Protect your business with specialized coverage created for the needs of manufacturing or wholesaling companies like yours. Whether you manufacture goods, process food or wholesale products like plumbing supplies, fruit and vegetables or clothing, enjoy peace of mind knowing you have insurance coverage that lets you focus on your business.

As a wholesale distributor, your business risks are unique. You provide facilities and services for the storage and distribution of products – but you also deal with the logistics of global commerce and new technologies.

Non-profit organizations

Each year in Ontario, millions of volunteers generously donate their time and labor to all sorts of worthy causes. Protect these hard workers and the organizations they support, Value Insurance offers affordable coverage for liability, property damage, and more.

Retail

Protect your business with specialized coverage created for the needs of manufacturing or wholesaling companies like yours. Whether you manufacture goods, process food or wholesale products like plumbing supplies, fruit and vegetables or clothing, enjoy peace of mind knowing you have insurance coverage that lets you focus on your business.

As a wholesale distributor, your business risks are unique. You provide facilities and services for the storage and distribution of products – but you also deal with the logistics of global commerce and new technologies.

Service & professionals

You take care of your clients. We’ll take care of you. Service providers and professionals have special business insurance needs. Whether you use specialized equipment, work offsite or consult clients in your office, Value Insurance has your business covered.

Warehousing, transportation & logistics

  • Building and Contents
  • Business Interruption
  • Warehouse Liability
  • Equipment Breakdown

Get the coverage you need at prices that are affordable.