Business Insurance

Insurance for small- and medium-sized retail, service and manufacturing businesses and more…

No matter your commercial insurance needs, BrokerTeam has a solution. We can insure commercial auto, property, manufacturers, garages and other businesses.

Business Auto
Insurance for your entire fleet

If you use your car for any purpose other than leisure, you need to get commercial auto insurance coverage. Commercial auto insurance coverage is almost identical to personal auto coverage. You will therefore be covered in the event that you injure someone or damage their property, that you suffer any injuries, or that your vehicle is damaged if you add comprehensive and collision coverage.

Rented Dwellings
Insurance to protect your investment, your revenues and your own liability

You are investing in your financial future by acquiring strategically located commercial or residential property. You spend on building maintenance and repairs to make the property attractive to tenants. Can you afford to do without those revenues if the roof collapses due to the weight of the snow, or if an electrical fire forces the tenants out? And will you pay for all these repairs yourself?

Rental property insurance makes good business sense.

Commercial Property
Insurance to protect your business assets and revenues

You don’t have to own the building to need commercial property insurance. When you lease a space, you’ll want to insure all the improvements you’ve made. Property insurance will also cover your inventory, your computers, your furniture and anything else you own.

Commercial property insurance works a lot like home insurance; you’ll be insured for a number of perils, such as theft, fire, water damage and so forth. Choose the right deductible and amount of coverage, and decide on the method of settling claims (replacement value or actual cash value).

At BrokerTeam, we can help you manage your business risks and establish exactly how much commercial property insurance you need.

Insurance solutions for local manufacturers

Regardless of the quality assurance procedures you have in place, sometimes mistakes happen and faulty products get shipped. And if there’s a power outage or broken equipment, this could cause a shutdown in production. These are just some reasons why manufacturers insurance is essential. At BrokerTeam, we can get you the right coverage for your industry to ensure you protect yourself and your business.

Service Business
Small and medium insurance solutions for business professionals

If you’re in the service business, you need insurance that covers any business situation that could threaten your livelihood. You can count on BrokerTeam to get you the best coverage for your growing business, whhether you operate yours in a retail space, office environment or even remotely.

Specialized coverage for garages and other automotive businesses

Accidents don’t just happen on the road. If one of your mechanics damages a client’s car, are you going to pay for those repairs yourself? And with all the expensive tools at your disposal, can you survive if your garage goes up in flames or is flooded?

BrokerTeam offers a comprehensive insurance solution for garages and other automotive businesses from the most trusted insurers in Canada.

Insurance to protect your business and your work

As a contractor, you’re exposed to a number of risks that could make or break your business. If you’re in construction, you may have to secure a bid with bonding insurance. If you own or lease commercial space, there’s property insurance. Your tools, equipment and construction materials also deserve special care, not to mention your liability, your revenues or your truck.

At BrokerTeam, we’ll building your contractor insurance block by block. Once we’ve analyzed your business needs, we’ll put together a comprehensive insurance solution to shield you from the financial fallout of unforeseen events.

Group Health Benefits
Happy employees = happy customers

Employee turnover costs companies millions of dollars in lost productivity. An effective way of having low employee turnover is to have a competitive employee benefits package. Your employees probably don’t have private health insurance, nor will they seek any out, so offering them group health benefits is also a way to protect your employees, whom you depend on to sell and produce your products and services.

Health benefits include coverage for prescription drugs (60-80% reimbursement of prescription costs), healthcare phone assistance and coverage for specialists (chiropractors, osteopaths, acupuncturists, psychologists and physiotherapists). Certain drugs are not typically covered by these plans, like birth control pills, fertile drugs or over-the-counter medication.

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