Property and liability insurance for businesses
Coverage that’s tailored to your sector.
Our all-risk business insurance includes the following coverages:
All-risk protection for your property (buildings, furniture, merchandise and equipment), that covers fire, theft and vandalism.
Accidental breakdown coverage for electrical, electronic, computer, telephone, mechanical and refrigeration equipment.
Loss of business income
Coverage against financial difficulties that may follow an insured loss. Various coverages are offered.
Dishonesty, disappearance and destruction
Protection against fraudulent activities from third parties as well as internal theft or embezzlement.
Protection for your business in case of injury or property damage caused to a third party.
Additional business property insurance coverages that may interest you:
Coverage for damage to your building and contents caused by an earthquake.
Coverage for damage to your building and contents caused by a flood.
Coverage for damage to your building and contents caused by sewer backup.
Public utility interruption (water, electricity, gas)
Coverage for loss of income and property damage caused by an insured loss, following an off-premises service interruption.
Coverage for building by-laws
Coverage for increased costs and loss of income arising from the enforcement of by-laws regulating zoning or building reconstruction following an insured loss.
Take advantage of these savings in addition to our special group rates
LEED certified building discount
Save 10% on your commercial building coverage if your building is LEED certified (Leadership in Energy and Environmental Design).
Centrally monitored alarm system discount
Install a centrally monitored fire and theft alarm system, and save even more!
Business assistance services
Insure your business with The Personal and get 24/7 access to assistance services.
Talk to a lawyer over the phone to help you avoid or settle legal issues with employees, suppliers or clients.
Professional expertise assistance
Get the help you need with access to a network of recognized, experienced professionals like general contractors, accountants, plumbers and IT experts.
- The information on this page is provided for informational purposes only. The terms and conditions of the coverages described are set out in the insurance policy, which always prevails. Certain conditions, exclusions and limitations may apply.